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Product Information
Saving And Investment Plans Kotak Premier Life Plan
This plan is designed to protect your life right up to your 99thbirthday. It is a limited premium paying participating whole life plan, where you can choose to receive bonus payouts even after premium payment term expires.You can utilise these payoutsto take care of your financial commitments, build a retirement corpus for a worry-free life or even create a legacy for your children and grandchildren to cherish.


  • Participating whole life plan offering protection up to the age of 99 years
  • Simple Reversionary bonus declared from 1 policy year till the end of Premium payment 3 term and Cash Bonus after the expiry of Premium payment term
  • Option to either receive bonus payouts or accumulate them under the policy
  • More value for money through discount in premium for high Sum Assured on maturity and female lives
  • Option to enhance protection through a wide range of Riders
  • Tax benefits u/s Sec 80(C) and 10(10D) of the Income Tax Act
Entry Age : Min - 3 years Max 8 years PPT - 55 years 12 years PPT - 53 years 15 years PPT - 50 years 20 years PPT - 45 years
Maturity Age : 99 years
Premium Payment Term (PPT) : Fixed PPT of 8, 12, 15 and 20 years
Policy Term : 99 years less entry age
Premium Payment Option : Only Limited pay
Minimum Premium : Determined on the basis of Sum Assured on maturity, entry age, gender and premium payment term
Maximum Premium : No limit, subject to underwriting
Minimum Sum Assured on maturity : Rs.2,00,000
Premium Payment Mode : Yearly, Half yearly, Quarterly, Monthly
Modal Factor (% of annual premium) : The following modal loadings will be used to calculate the installment Premium. Yearly – 100% Half yearly – 51% Quarterly – 26% Monthly – 8.8%