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Kotak e-Invest Plus is a non-participating unit-linked individual life insurance product. It combines life insurance protection with investment in market-linked funds. Policyholders can select from three options: Maximizer, Rising Star and Retire Rich. The available investment strategy, policy term, premium payment term and eligibility depend on the chosen option. Maximizer focuses on investment accumulation, Rising Star is designed around a beneficiary-oriented benefit structure, and Retire Rich is intended for long-term retirement planning with coverage extending to age 99 under the product rules. Because this is a ULIP, the value of investments depends on the performance of the selected funds and is not guaranteed. Linked insurance products generally do not permit complete or partial withdrawals during the first five policy years.
Choose Maximizer, Rising Star or Retire Rich according to your financial goals
Kotak e-Invest Plus may suit someone who wants life cover alongside a long-term, market-linked investment structure. Compare the three options carefully rather than treating them as interchangeable: eligibility, policy term, premium payment term and benefit design differ. The insurer lists annual premiums from ₹9,000 for certain configurations, but minimums vary by option and premium payment term. Fund values can rise or fall, and policy charges and investment performance affect the outcome. Do not interpret illustrated returns as assured returns. Before purchasing, review the latest product brochure, policy wording, fund choices, charges, death-benefit rules and benefit illustration. The five-year lock-in is important for anyone who may need access to their money in the short term.
Kotak Mahindra Life
Key Insights
Founded
2001
Kotak Mahindra Life was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.8% CSR, calculated as a 3-year average
Kotak Mahindra Life settles 98.8% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-209-8800
Headquarters: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, Maharashtra – 400051, India
Choose Maximizer, Rising Star or Retire Rich according to your investment and protection objectives.
Eligibility and benefits differ by option.
The self-managed strategy allows the policyholder to select from available funds according to their risk preference.
Fund selection carries market risk.
The age-based strategy adjusts the investment mix as the policyholder ages, according to the product rules.
Check the latest brochure for strategy mechanics.
Provides life cover under the chosen policy option and applicable policy conditions.
The sum assured and death benefit depend on policy specifications.
Maximizer offers policy terms of 10, 12, 15 or 20 years. Retire Rich follows the age-99 structure; Rising Star terms depend on its premium payment configuration.
Permitted combinations vary by option.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Kotak Mahindra Life plans and claim process
It is a unit-linked life insurance plan that combines life cover with investment in market-linked funds.
No. It is a ULIP with investment and life insurance components, not a standalone term insurance plan.
The three options are Maximizer, Rising Star and Retire Rich. Each has different eligibility and policy conditions.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Kotak Mahindra Life website before purchasing.
Official Website
kotaklife.com
Visit the official Kotak Mahindra Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The official page lists premiums from ₹9,000 per year for certain configurations. The minimum depends on the selected option and premium payment term.
No. This is a market-linked ULIP. Fund values depend on investment performance and applicable charges.
The plan provides investment strategy choices, including a self-managed strategy that lets policyholders select from available funds.
Partial withdrawals may be available after the five-year lock-in, subject to the policy conditions and applicable limits.
For Maximizer, the listed terms are 10, 12, 15 and 20 years. Rising Star and Retire Rich follow different option-specific rules.
The insurer lists up to age 75 for Maximizer, up to age 60 for Rising Star and age 99 for Retire Rich, subject to policy rules.
Yes. Life insurance protection is part of the policy. The applicable sum assured and death benefit depend on the selected option and policy specifications.
Yes. The fund value can fall when the selected investments perform poorly. The policyholder bears the investment risk.
It is generally structured for longer-term goals. The five-year lock-in and market risk make it important to assess your liquidity needs before purchasing.