Invest Maxima Plan

As an informed investor you value every rupee of your financial investments and would like to invest at an economical cost. You also might appreciate a systematic entry into the volatile equity market. Keeping all this in mind, we bring you Kotak Invest Maxima, an investment oriented unit-linked life insurance plan with maximum premium allocation and a Systematic Switching Strategy that allows you to enter the equity market in a systematic manner.


Key features

Zero premium allocation charge
Zero deduction towards premium allocation charge, ensure that most of your money is invested in the funds chosen by you and returns are enjoyed over a larger portion of your premiums.


Choice of portfolio strategies
Flexibility in choosing investment strategy enhances convenience and offers an investment avenue more suitable to your requirements. Kotak Invest Maxima offers you two portfolio strategies to optimise your investments: 1. Self-Managed Portfolio Strategy offers you the flexibility to invest in any of the five fund options we provide you. These fund options vary from aggressive to cautious and hence are suitable for all kinds of investors. 2. Systematic Switching Strategy allows you to participate in the volatile equity markets in a systematic and structured manner. Your fund is parked in Money Market Fund and transferredat a pre-defined rate every month into any one of the following funds: Classic Opportunities Fund Frontline Equity Fund You have the option to choose Systematic Exit Strategy (SES)2, wherein during the last policy year, you will have the choice to switch out of the selected fund, i.e. you can move the amount accumulated in either Classic Opportunities Fund or Frontline Equity Fund to the Money Market Fund systematically over a 12-month period, in a similar manner as Systematic Switching Strategy. SFINs: Classic Opportunities Fund ((ULIF-033-16/12/09 CLAOPPFND-107), Frontline Equity Fund (ULIF-034-17/12/09-FRLEQUFND-107), Money Market Fund (ULIF-041-05/01/10-MNMKKFND-107)


Get rewarded for staying invested longer
To reward long-term savings the plan will add survival units every 5 years starting from the end of 10th policy year (subject to policy being in force i.e. not in the discontinued state). Annualized / Single Premium - Rs. 50,000 to Rs. 74,999 Survival Units^ (as % of Fund Value) - 1% Annualized / Single Premium- Rs. 75,000 & Above Survival Units^ (as % of Fund Value)- 2% ^ Average of the Fund Value on the relevant date and the two preceding year ends.


Choice of convenient policy term and premium payment term
You have the flexibility to opt for policy terms and premium payment terms as per your convenience. For Single Premium Payment option the policy term is fixed 10 years whereas for Regular and Limited Premium Payment terms you can choose from the fixed policy terms of 10, 15, 20, 25 and 30 years.



Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year



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