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Kotak Invest Maxima is a non-participating unit-linked individual life insurance savings product. It is designed for investment-oriented policyholders who want life insurance protection alongside market-linked investment. The plan offers regular, limited and single premium payment structures, with policy-term choices depending on the payment method. It also offers investment fund choices and a Systematic Switching Strategy intended to help policyholders move investments into equity exposure in a phased manner. The investment value depends on market performance and applicable charges. This plan does not promise a fixed investment return. Linked insurance policies do not permit full or partial withdrawals during the first five policy years.
Choose regular, limited or single premium payment and access systematic switching features
Kotak Invest Maxima may be relevant for people who understand market risk and can remain invested for the selected policy term. The official product page lists regular premiums from ₹50,000, limited premiums from ₹75,000 and single premiums from ₹2,50,000, subject to the applicable option and policy conditions. Regular and limited premium policies offer terms of 10, 15, 20, 25 or 30 years; single-premium policies offer 10 or 15 years. The plan advertises zero premium allocation charge and a Systematic Switching Strategy, but these features do not guarantee returns or remove all policy charges. The policyholder bears investment risk. Review the latest brochure for fund choices, charges, sum-assured rules, surrender conditions and death-benefit calculations before purchasing.
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
The product advertises zero deduction under the premium allocation charge.
Other applicable policy and fund charges may still apply.
Provides a strategy for transferring investments into equity exposure in a systematic manner.
Investment outcomes remain market-dependent.
Offers a selection of equity, balanced, debt and money-market-oriented funds, subject to current fund availability.
Fund availability and investment risk should be checked in the latest brochure.
Regular and limited payment structures offer terms of 10, 15, 20, 25 and 30 years; single pay offers 10- or 15-year terms.
Permitted combinations depend on the chosen option.
Partial withdrawals may be made after completion of the five-year lock-in.
Applicable withdrawal limits and policy conditions apply.
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 product that combines life cover with investment in market-linked funds.
No. It is a ULIP with an investment component and life insurance protection, not a standalone term plan.
The official product page lists ₹50,000 for regular pay, ₹75,000 for limited pay and ₹2,50,000 for single pay. Eligibility and terms apply.
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)
No. The fund value depends on market performance and applicable charges. Illustrations are not guaranteed returns.
Regular and limited premium options offer 10, 15, 20, 25 and 30 years. Single premium offers 10- and 15-year terms.
The product lists equity-oriented, balanced, debt-oriented and money-market funds. Check the current brochure for the latest available funds.
It is an investment strategy designed to move investments into equity exposure in a systematic way. It does not guarantee a profit.
Partial withdrawals may be available after the five-year lock-in, subject to the policy rules.
Yes. Life insurance protection is included under the policy. The applicable death benefit depends on the chosen option and policy terms.
The insurer advertises zero premium allocation charge. It does not mean that every policy or fund charge is zero.
Yes. The fund value can fall due to market movements. The policyholder bears the investment risk.
It may suit long-term investors who understand market risk, can meet the premium commitment and want life cover alongside investment.