Child Plans

As strive to provide the best in life for the children, let the insurance plans make it easier
with a head start that prepares for the future. Kotak Life Insurances child plans provide
children with comprehensive life insurance coverage, as well as the extra edge of financial
support in their future education and careers. Maximise childrens potential now, help realise
their dreams with the child insurance plans.
Kotak Headstart Child Assure

Considering the constantly rising cost of education, fulfilling children's aspirations can get
harder with time. In the event of a parent's demise, the hopes of realising their dreams could
be dashed. It recommend one of the most popular child plans the Kotak Headstart Child
Assure Plan.
As a unit-linked insurance plan (ULIP), it allows to invest systematically to build a corpus for

the children's education expenses and at the same time protect their dreams from
unfortunate events, such as the death of a parent.

Plan type:
Unit-linked insurance plan with potential returns earned through a wide variety of
investment options, along with life insurance coverage for parent

Best suited for:

Parents looking for flexible equity and debt investment options

Parents with a Conservative to Aggressive Risk-Returns Profile

Key features:

Option to build corpus according to your risk-returns preference

Enhanced life insurance protection with Triple Benefit
Flexible premium payment period

Retirement Plans

Kotak Life Insurance has the right solutions to make retirement planning easier. .
What's more, it is also have access to extensive protection of the life insurance
plans offer.
Kotak e-Lifetime Income Plan

Retirement is all about fulfilling the unfulfilled dreams! To ensure that enjoy
financially secure retirement years and fulfill the desires Kotak Life Insurance brings t
Kotak e-Lifetime Income Plan a plan that gives the assurance of regular stream of
income through out lifetime to lead a care-free life.
Plan type:
Traditional annuity plan that provides regular payouts for post-retirement financial
needs

Best suited for:

45 99 years
People who have sufficient corpus that can be used to generate regular income for
meeting post-retirement needs

Key features:

Regular Payouts
Flexibility to choose the frequency & payouts options
Option to gift it to near & dear ones

Kotak Lifetime Income Plan

Kotak Lifetime Income Plan gives the assurance of income continuing throughout
the life!
Plan type:
Traditional annuity plan that provides regular payouts for post-retirement financial
needs

Best suited for:

45 99 years
People who have sufficient corpus that can be used to generate regular income for
meeting post-retirement needs

Key features:

Regular Payouts
Flexibility to choose the frequency of receiving payments
Flexibility to choose from four payout options
Option to gift it to near & dear ones

Group Plans

Group Life Insurance Plans from Kotak provide protective life cover to individuals belonging
to specific groups like borrowers of credit institutions or employees of an organization
Kotak Gratuity Plus Group Plan

Gratuity is not just a statutory obligation but also a very important tool today to retain
and attract talented employees. However, gratuity liability of the employer tends to
increase with an increase in the salary and tenure of employment.
Kotak Life Insurance offers Kotak Gratuity Plus Group Plan (KGPP) - a Unit-linked
group gratuity plan that will not only help you fund for the gratuity obligation
systematically & effectively but also will help to release resources for core business
activities.

Kotak Leave Encashment Group Plan

Kotak Leave Encashment Group Plan is designed to cater to the needs of

Employee's leave encashment liabilities increasing over the period of time. This
product is designed to reduce the financial strain on the employer by helping them
fund their Leave encashment liabilities payable to employees. This will also help the
employee fund for the leave encashment benefit systematically & effectively and
release resources for core business activities
Kotak Secure Return Superannuation Plan

Kotak Secure Return Superannuation Benefit is designed to cater to the needs of

Employers / Trustees State governments / Central government / PSUs planning to
fund group members' superannuation benefit schemes. This product is designed as
a comprehensive employee benefit solution to manage the superannuation schemes
in the most efficient manner.
Kotak Credit Term Group Plan

The Kotak Credit Term Group Plan provides life cover to a group of borrowers of credit
institutions (banks, retail finance providers etc.) with the life assured being the borrower and
the credit institution being the beneficiary (only to the extent of the outstanding loan; the rest
of the amount is paid to the nominee of the life assured). It is a non-participating yearly
renewable plan. In the unfortunate event of death of the member during the term of the
policy, the outstanding loan amount would be repaid by Kotak Life Insurance, relieving the
member's family of the loan liability and eliminating risk of loss due to death of the borrower
to the credit institution.
Kotak Complete Cover Group Plan

Kotak Complete Cover Group Plan provides life cover to a group of

borrowers of the credit /lending institution (banks, retail finance providers etc.). It is a
non-participating single-premium plan and can be customized to cover all types of
loans and repayment terms.
The plan can be mandatory (all members join) or voluntary (subject to certain
conditions). In the unfortunate event of death of the borrower during the term of the
policy, the outstanding loan amount (as per the cover schedule) will get extinguished
relieving the borrower's family of the loan liability and will also eliminate the risk of
loss due to death of the borrower to the Credit Institution

Kotak Group Assure

Kotak Group Assure Plan protects the family of the life insured from risk of loan liability
falling on their head in case of the demise of the insured. At the same time, it shields credit
institutions from the risk of loan non-payments due to death, illness and disability. It also
helps to protect customer's assets and savings in the unfortunate event of death, illness or
disability.