Kotak Ace Investment

It is an investment oriented unit linked life insurance plan. This plan offers you Investment Strategies along with convenient payment options to ensure efficient wealth creation

Key Features

  • Option to choose from multiple investment strategies
  • Convenient premium payment options
  • Life insurance cover as per your need
  • Choice of Riders to enhance protection
  • Flexibility through partial withdrawal


  • Tax Benefits:
Tax benefits are subject to conditions specified under section 10(10D) and section 80C of the Income-tax Act, 1961. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant. Service Tax & Cess, as applicable shall be levied over and above premium amount shown here as per applicable tax laws.
  • Death Benefit
Kotak Ace Investment helps you safeguard your family's long-term financial well-being in the event of your unfortunate demise by providing you life cover over the policy term. In the event of death, your family would receive. Highest of:
1) Basic Sum Assured less applicable partial withdrawal amount from Main Account (if any), or
2) Fund Value in Main Account, or
3) 105% of the Premiums paid up to the date of death
In respect of each Top-Up Premium paid (if any), highest of:
1) Top-Up Sum Assured, or
2) Fund Value of Top-Up Account, or
3) 105% of the Top-Up Premium paid
  • Maturity Benefit:
On maturity, you can avail of the full Fund Value (including Fund Value in Top-Up Account, if 4 any) and the policy terminates OR you can select the Settlement Option

Am I eligible?

ENTRY AGE 0 65 years
MATURITY AGE 18 years 75 years
POLICY TERM 10/15/20/25/30 years
SUM ASSURED 10 times of Annual Premium 25 times of Annual Premium
PREMIUM Regular Pay:
Annual: ` 30,000,
Half-Yearly: ` 18,000,
Quarterly: ` 9,000 &
Monthly: ` 3,000.

Limited Pay:
Annual: ` 50,000,
Half-Yearly: ` 30,000,
Quarterly: ` 15,000 &
Monthly: ` 5,000.
No limit
Equal to the policy term.
Limited Pay:
5-year payment with policy term of 10 years
10-year payment with policy term of 15 / 20 / 25 / 30 years
PAYMENT MODE Yearly, Half-Yearly, quarterly and Monthly


To add to your protection, we offer a choice of 2 riders:

Kotak Accidental Death Benefit Rider (Linked) :

In addition to the death benefit as per the base plan the Rider Sum Assured is payable in case of an unfortunate demise of the life insured due to accident

Kotak Permanent Disability Benefit Rider (Linked):

In case of Total & Permanent disability of the life insured due to accident, the Rider Sum Assured is payable and the base policy continues.

What if?

I am unable to pay premium on time

It is Single time payment.

I want to take a loan

No such option is available under this policy