Kotak e-Invest Plus

A Non-Participating, Unit-Linked, Individual Savings Life Insurance Product

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

Note: The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

Kotak e-Invest Plus is a flexible and comprehensive Unit Linked Life Insurance (ULIP) plan that combines the benefits of market-linked returns and protection in one solution. It provides life coverage and allows you to invest in a range of funds, ensuring the financial security of your loved ones in case of any unfortunate events.

The ULIP plan offers options like Maximizer, Rising Star, and Retire Rich, tailored to maximise your investment returns, secure your child's future and plan for retirement. The plan provides flexibility with self-managed or age-based investment strategies that align with your changing financial needs.

Key Features

100% premium allocation: Your premiums are fully invested into the chosen funds.
Yearly Additions to enhance your fund value, starting from the end of the 6^th policy year until maturity or death, whichever is earlier, based on the plan option.
Return of Mortality Charges - 25% to 200% of life cover charges deducted will be added to your fund value (if applicable).
Multiple plan options:
- Maximizer: This option is aimed at maximizing your returns for the money invested.
- The Rising Star option offers Triple Protection Benefit on a parent’s death through lump-sum payout, monthly income, and policy continuation till maturity.
- Retire Rich Option provides coverage till the age of 99 years.
Boost Long-term Savings through Retirement Income, along with Income Booster, ensuring your expenses after retirement are taken care of.
Provides flexibility to choose from two Investment Strategies: This plan enables you to choose the funds that suit your risk profile:
- Self-MManaged Strategy
- Age-BBased Strategy

How does the plan work?

Mr. Ram is a 35-year-old businessman, who is financially well off and is looking for investment avenues with the objective of having adequate protection as well as a substantial corpus for future years.

He chooses a policy term of 20 years and a premium payment term of 10 years with the annual premium of ₹1,00,000* and a Basic Sum Assured of ₹10,00,000. He has selected Maximizer Option and Self-Managed Investment Strategy with 100% in Classic Opportunities Fund.

At the end of 10 years, his cumulative premium is ₹10,00,000, fund value at 8%^# is ₹14,20,391 and fund value at 4%^# is ₹11,40,638.

At maturity, when Mr. Ram is 55 years and is nearing retirement, his cumulative premium is ₹10,00,000 and fund value at 8%^# is ₹26,56,034 and fund value at 4%^# is ₹14,78,189.

Eligibility

Parameter	Plan Option	Eligibility Criteria
Parameter	Plan Option	Minimum	Maximum
Entry Age¹	Maximizer	3 years	55 years
	Rising Star	18 years	45^@ years
	Retire Rich	3 years	50 years

Maturity Age¹	Maximizer	18 years	75 years
	Rising Star	28 years	60 years
	Retire Rich	Fixed at 99 years of age of the Life Insured
Policy Term (PT)	Plan Option	Policy Term
	Maximizer	10 years / 12 years / 15 years / 20 years
	Rising Star	10 years / 12 years / 15 years / 20 years
	Retire Rich	99 minus Entry Age of Life Insured
	Note: 1. For Maximizer and Retire Rich, the minimum policy term will be equal to the smallest available term to ensure that the Life Insured is a Major at the time of maturity. For example, if the Life Insured’s age is 7, the minimum policy term available would be 12 years. 2. For Rising Star option, where the beneficiary is a minor, the minimum policy term will be greater of 10 years and 18 minus the beneficiary’s age on the last birthday at the time of policy commencement, to ensure that the policy matures when the beneficiary has attained the age of majority. If the calculated term falls between two available policy terms, the next higher policy term will be offered. 3. For Rising star option, where the beneficiary is an adult, minimum policy term will be 10 years.

Premium Payment Term Options (PPT)	Category	Premium Payment Term Option (PPT)		Policy Term
Maximizer	Regular	Regular		10 / 12 / 15 / 20 years
	Limited	5, 7 years		10 / 12 / 15 / 20 years
	Limited	10 years		12/ 15 / 20 years
Rising Star	Regular	Regular		10 / 12 / 15 / 20 years
	Limited	5 years		10 /12 /15 /20 years
		7 years		10 /12 /15 /20 years
		10 years		12/ 15 / 20 years
Retire Rich	Limited	10 to 60 minus Age at Entry of Life Insured.		99 minus Entry Age of Life Insured
Premium Level	Maximizer		Rising Star	Retire Rich
Minimum
Yearly Half Yearly Quarterly Monthly	₹9,000 ₹4,500 ₹2,250 ₹750		For 5 & 7 PPT ₹18,000 ₹9,000 ₹4,500 ₹1,500 For 10 PPT & Regular Pay ₹9,000 ₹4,500 ₹2,250 ₹750	₹9,000 ₹4,500 ₹2,250 ₹750
Maximum
Yearly	No Limit		No Limit	No Limit
Half Yearly
Quarterly
Monthly
Sum Assured	Maximizer		Rising Star	Retire Rich
Basic Sum Assured (Minimum & Maximum)	10 times AP		10 times AP	10 times AP

Mode	Maximizer	Rising Star	Retire Rich
	Yearly, Half-Yearly, Quarterly, Monthly

@For Rising Star option, Under PT-PPT 20-5 option , theand the maximum entry age is 40. 1Age above will be Age as on the last birthday.

Disclaimer

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Kotak e-Invest Plus UIN: 107L137V02. This is A Non-Participating, Unit-Linked, Individual Savings Life Insurance Product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Classic Opportunities Fund (ULIF-033-16/12/09-CLAOPPFND-107).

*Goods and Services Tax is exempted for all individual life policies with effect from 22nd September 2025.

^#The assumed non-guaranteed rates of return chosen in the illustration are 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. The actual experience may be different from the illustrated. Past performance is not indicative of future performance.

Risk Factors

Linked Insurance products are different from the traditional insurance products and are subject to the risk factors.
The premium paid in linked insurance policies are subject to investment risks associated with capital markets. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Kotak Mahindra Life Insurance Company Ltd is only the name of the Life Insurance Company and Kotak e-Invest Plus is only the name of the linked insurance contract and does not, in any way, indicate the quality of the contract, its future prospects or returns.
The various funds offered under this contract are the names of the funds and do not, in any way, indicate the quality of these plans, their future prospects and returns.
Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.

This website content only gives the salient features of the plan.

Kotak Mahindra Bank Ltd. is a corporate agent of Kotak Mahindra Life Insurance Company Limited with Corporate Agency License No: CA0250. Regd. Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. The plan is offered and underwritten by Kotak Mahindra Life Insurance Company Limited.

Participation by Kotak Mahindra Bank Ltd.’s customers to buy insurance policy is purely voluntary and there is no direct or indirect linkage between the provision of banking services offered by Kotak Mahindra Bank Ltd. to its customers and products/services offered by Kotak Mahindra Life Insurance Company Ltd. Insurance products/services are obligations of Kotak Mahindra Life Insurance Company Ltd. and are not guaranteed by Kotak Mahindra Bank Ltd. Kotak Mahindra Life Insurance Company Ltd. shall be liable or responsible for all matters arising out of or pertaining to the insurance products/services offered by it.

Kotak Mahindra Life Insurance Company Ltd. Regn. No.:107, CIN: U66030MH2000PLC128503; Regd. Office: 8^th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051; Website: www.kotaklife.com | WhatsApp: 9321003007 | Toll Free No: 1800-209-8800 | Ref. No.: KLI/25-26/E-WEB/1946.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.