Every step in your life brings with it new learning’s. You are determined to make the best of it, so that you can look forward to a great future. How you shape your tomorrow depends greatly on how you build on your today.

Kotak Life Insurance introduces Kotak Smart Advantage offering you a smart solution to put your savings to work today for a brighter tomorrow. It is a market linked plan with 100%1 premium allocations helping you accumulate wealth systematically, over the long-term.


Kotak Smart Advantage is a great combination of investment with insurance designed to enable you to make the best use of your hard-earned money that puts you right ahead.

What can you gain by investing in Kotak Smart Advantage?

Smarter Avenues for Growth
Smart investing is based on the fundamental idea of regular savings and the power of
compounding, which is a great way to multiply your money. It makes small savings transform into jackpots if planned with a long-term vision and right investment fund options.

Kotak Smart Advantage, with its power-packed and well-defined fund options, gives you
unmatched benefits to maximize your earnings potential. Each of these funds is carefully crafted to suit your individual long-term needs.

You can distribute your investments across one or more funds based on your needs and goals, keeping in mind your time horizon and risk appetite. You also have the convenience of switching your monies between funds to balance your needs and risk appetite at different stages of life.



Smarter Financial Protection for your loved ones
Kotak Smart Advantage allows you to shoulder all your responsibilities to the fullest. In the unfortunate event of loss of life, your beneficiary will receive a life cover benefit equal to the higher of:

Basic Sum Assured; OR
Fund Value plus the Fixed Advantage benefit
You have the flexibility to choose any multiple of your first year premium as the Basic Sum Assured according to your life stage needs, subject to underwriting conditions.

Smarter Savings to avail Tax Benefits
You can avail of tax benefits under Section 80C and Section 10 (10D) of Income Tax Act, 1961. Tax benefits are subject to change in the tax laws. You are advised to consult your Tax Advisor for details.

Entry Age : Min – 0 years | Max – 65 years
Maturity Age : Min – 18 years | Max – 75 years
Policy Term : Regular – 10 / 15 / 20 / 25 / 30 years. For Minors, minimum term – 10 years or 18 less entry age at last birthday, whichever is higher, rounded to the next higher policy term available.
Premium Payment Term (PPT) : Regular – Full Policy Term. Limited Premium Payment – 3 or 5 years (applicable only with policy terms of 10 / 15 / 20 years)
Minimum Premium : Regular PPT – Rs.10,000 p.a. | Limited PPT – Rs. 36,000 p.a.
Basic Sum Assured: Min – 0.5 x Policy Term x Annual premium | Max – Any multiple of premium, subject to underwriting.
Optimal Financial Planning In 5 Easy Steps

Now that you are aware of the Kotak Smart Advantage details, here’s how you can structure your financial planning in 5 easy steps:

Decide how much you want to save in a year to fulfill your financial goals, payable
as the premium amount.
Decide the term of the policy, the number of years you want to save, depending on
your age and priorities.
Decide your life cover, basis your financial protection needs.
Choose your fund options to suit your risk appetite and financial goals.
Add more value to your plan by choosing the optional benefits.
If you want a Life Insurance/ ULIP, Health Insurance or any kind of General Insurance and Mutual Funds, Please CALL/SMS us @ 9831205467 or Contact us. Thanks for visiting!