Powered by Kotak Life Insurance

Your family's future,
secured —
starting today.

Finding the right life insurance plan shouldn't feel like reading a legal document. Answer 3 simple questions and we'll match you to the perfect plan — in under 2 minutes.

↓ See how it works
98.5%
Claim settlement
ratio
2 min
To find your
perfect plan
₹0
Cost for your
consultation
🛡️
e-Term Plan
Pure protection
₹1 Cr cover from ₹490/mo
Tax-free death benefit
📈
Invest Maxima
ULIP — Market linked
Equity + insurance
Flexible fund choice
🌅
Retirement Plan
Monthly pension
Guaranteed income
Spouse cover option
⭐ Most Popular
🏆
98.5%
Claim Settlement Ratio
👥
3.2 Cr+
Lives Insured
📅
25+ Yrs
Trusted Since 2001
🛡️
IRDAI
Licensed & Regulated
⚡
24 hr
Advisor Callback
Why It Matters

The safety net your
family deserves

Life is full of beautiful uncertainty. But your family's financial future shouldn't be one of them.

🛡️
Income replacement when it matters most
If something happens to you, a life insurance payout ensures your family can maintain their lifestyle, pay the EMIs, and keep the children in school — without financial panic.
💰
Save taxes, grow wealth simultaneously
Savings and ULIP plans give you life cover AND build your wealth — with tax benefits under Section 80C. Your premium works twice as hard.
🌅
Retire on your own terms
Start your retirement plan early and let compounding do the work. A monthly pension plan ensures your golden years are genuinely golden.
71%
of Indian families have no life insurance coverage — leaving them financially exposed to life's uncertainties.
₹490
Starting premium per month for ₹1 Cr cover
10 min
To apply for a plan online
80C
Tax deduction on your premium paid
0%
Tax on maturity payout under 10(10D)
Simple Process

Three steps to
total peace of mind

No paperwork, no jargon, no pushy salespeople. Just a friendly, guided experience.

Step 01
🧠
Answer 3 questions
Tell us your goal, age, and budget. No forms, no documents — just a quick friendly quiz.
Step 02
⭐
Get your match
We instantly recommend the one Kotak plan that fits your life perfectly — no confusing comparisons.
Step 03
📞
Talk to an advisor
A friendly expert calls you within 24 hours to walk you through the plan. Zero pressure, 100% clarity.
Kotak Life Insurance

Four plan types. One perfect fit for you.

Each plan solves a different life need. Explore them below, or take the quiz to get a personalised recommendation in 2 minutes.

🛡️ Protection Plans
Pure life cover.
Maximum peace of mind.
Protection plans are pure-term insurance — their one job is to ensure your family is financially secure if you're no longer around. No investment component, no maturity payout. Just the highest possible life cover at the lowest possible premium. It's the most honest, straightforward form of life insurance.
💰
Massive cover at minimal cost
Get ₹1 Crore life cover for as little as ₹490/month. The younger you start, the lower your premium — locked in for the full term.
📋
Tax benefits on every premium paid
Claim deductions under Section 80C (up to ₹1.5L/year) on premiums, and your nominee receives the entire death benefit completely tax-free under Section 10(10D).
➕
Add critical illness & disability riders
Enhance your cover by adding riders for 40+ critical illnesses, accidental death, or total permanent disability — all at a small additional premium.
💻
100% online — apply in 10 minutes
The Kotak e-Term plan requires zero paperwork and no branch visits. Upload your documents, complete a quick health declaration, and you're covered.
📞 Speak to an advisor first
Most Popular
Kotak Life Insurance
Kotak e-Term Plan &
Signature Term Plan
₹490
Minimum monthly premium
₹1 Cr+
Life cover available
98.5%
Claim settlement ratio
40+
Critical illness riders
"A term plan is the most responsible thing I've ever done. ₹550/month and my family has ₹1 Crore protection." — Rohit, 29, Bengaluru
This plan is ideal if you…
✓
Have dependents — spouse, children, or parents
✓
Have an active home loan or other EMIs
✓
Want maximum cover at the lowest premium
✓
Are between 18–65 years of age
🏦 Savings & Investment Plans
Grow your money.
Protect your family.
Savings plans combine guaranteed life cover with the discipline of regular saving — and at maturity, you receive a guaranteed lump sum. Unlike pure term plans, you get your money back at the end of the policy term. It's the ideal product for people who want safety, certainty, and structured wealth creation all in one.
🔒
Guaranteed returns — zero market risk
Your maturity benefit is fixed at policy inception. No volatility, no surprises. What you're promised is exactly what you get.
🎯
Goal-based planning made easy
Align your policy term with life goals — children's higher education (15 yrs), daughter's wedding (20 yrs), or buying a home. The plan matures exactly when you need it.
🏫
Waiver of premium benefit
In certain plans, if the policyholder passes away, all future premiums are waived — but the policy continues in full force, protecting the family until maturity.
📊
Flexible premium payment terms
Choose to pay for 5, 7, 10, or 12 years while the policy continues to provide cover for 20–25 years. Pay less, stay protected longer.
📞 Speak to an advisor first
Kotak Life Insurance
Kotak Assured Savings Plan &
e-Invest Plus
100%
Guaranteed maturity benefit
10(10D)
Tax-free maturity payout
5–30 yr
Flexible policy terms
₹500
Starting monthly premium
"I invested ₹5,000/month for 10 years and received ₹8.5L at maturity — tax-free. My kids' college fund sorted." — Kavitha, 41, Chennai
This plan is ideal if you…
✓
Want to save for a specific future goal
✓
Prefer guaranteed, risk-free returns
✓
Want insurance + savings in one premium
✓
Are risk-averse and dislike market volatility
📈 Market-Linked Plans — ULIPs
Invest in markets.
Stay protected too.
Unit Linked Insurance Plans (ULIPs) are the product of choice for investors who want their money to work hard in equity or debt markets — while maintaining a life insurance cover. Part of your premium goes into market-linked funds you choose; the rest provides life cover. With recent IRDAI reforms, ULIPs are now more cost-efficient than ever.
📊
You choose your investment funds
Allocate your premium across equity, balanced, or debt funds based on your risk appetite. Switch between funds as market conditions change — at no extra cost.
💹
Higher growth potential over 10+ years
Historically, equity-oriented ULIP funds have delivered 10–14% CAGR over long horizons — significantly outperforming traditional savings plans. Time in market is key.
🔄
Partial withdrawals after 5 years
After the mandatory 5-year lock-in period, you can make partial withdrawals from your fund value for emergencies without surrendering the entire policy.
🧾
Triple tax advantage
Premium deduction under 80C, fund growth is tax-deferred, and maturity proceeds are tax-free under 10(10D) — making ULIPs one of India's most tax-efficient products.
📞 Speak to an advisor first
Kotak Life Insurance
Kotak Platinum, Invest Maxima
& Wealth Optima Plan
5 yr
Lock-in period (IRDAI mandated)
10–14%
Historical equity CAGR
0 tax
On maturity payout 10(10D)
Free
Fund switching — unlimited
"I'm 34 and investing ₹10K/month in a balanced ULIP. The advisor showed me projections at 60 — I was blown away." — Arjun, 34, Mumbai
This plan is ideal if you…
✓
Are comfortable with some market risk
✓
Have a long investment horizon of 10+ years
✓
Want to combine wealth creation with insurance
✓
Are looking to maximise tax efficiency
🌅 Retirement Plans
Build a pension.
Retire on your terms.
India has no universal social security net — which makes a private retirement plan not just wise, but essential. Kotak's retirement plans help you systematically build a corpus during your working years, then convert it into a guaranteed pension income from the date you choose. The earlier you start, the more powerful the compounding.
🏖️
Guaranteed income from your chosen retirement age
Choose when you want your pension to begin — age 55, 60, or 65. From that date, you receive a fixed monthly or annual payout for life, regardless of market conditions.
💑
Joint life option — spouse stays covered
With the joint life option, the pension continues to be paid to your spouse after your passing. Your life's work keeps supporting the people you love, even when you're gone.
🎁
Lump sum or monthly — you decide
At vesting, choose to receive up to 1/3rd of your corpus as a tax-free lump sum and convert the rest into an annuity. Full flexibility to suit your lifestyle at retirement.
📈
Accumulation + annuity in a single product
The accumulation phase builds your corpus with market-linked or guaranteed returns. The annuity phase converts it into steady income. One seamless journey from working life to retirement.
📞 Speak to an advisor first
Kotak Life Insurance
Kotak Retirement Plan
& Pension Products
55–70
Flexible vesting age range
1/3rd
Corpus as tax-free lump sum
Life
Pension payable for lifetime
Joint
Spouse pension option
"I started at 42 — later than I'd like, but my advisor built a plan that still gives me ₹45,000/month from age 60." — Sanjay, 48, Hyderabad
This plan is ideal if you…
✓
Are 30+ and thinking about post-retirement income
✓
Don't have a company pension / EPF alone isn't enough
✓
Want to ensure your spouse is financially secure
✓
Want to retire before 60 and need income from earlier
Find Your Plan

Let's find the perfect plan for you

2 minutes. 3 questions. One recommendation built just for you.

GetCovered Plan Finder
Step 1 of 4
👋
What's most important to you right now?
No wrong answers — just pick what feels closest.
🛡️
Protect my family
If something happens to me, they'll be okay
🏦
Save & grow money
Insurance + guaranteed returns together
📈
Invest in markets
Comfortable with market-linked growth
🌅
Plan for retirement
Comfortable, stress-free future income
🎂
How old are you?
Helps us suggest the right coverage for your life stage.
20s 18–29 yrs
30s 30–39 yrs
40s 40–49 yrs
50s+ 50 & above
💸
How much can you invest monthly?
Drag the slider — there's no right or wrong amount.
₹2,000
per month
₹500₹10,000₹20,000+
⭐ Your Recommended Plan
🔒 A friendly advisor will walk you through this plan — free, no pressure.
🔐 Your information is 100% private. We never spam or share your details.
✓
You're all set! 🎉
Our advisor will call you within 24 hours to explain your plan — no jargon, just clear answers.

What happens next

1
Advisor reviews your profile & plan match
2
You get a friendly call to walk through the details
3
If you like it, apply online in under 10 minutes
Real Stories

Families who found
their peace of mind

Real customers. Real plans. Real confidence about the future.

e-Term Plan
"
★★★★★
I always knew I needed life insurance but the complexity scared me away. This quiz took me 2 minutes and the advisor explained everything so clearly. My family now has ₹1 Crore cover at less than ₹600/month.
R
Rahul Mehta
Software Engineer, Pune · Age 31
Assured Savings
"
★★★★★
I wanted something that would grow my money AND protect my kids. The savings plan recommendation was perfect — guaranteed returns with life cover. The advisor was so patient with all my questions!
P
Priya Nair
School Teacher, Kochi · Age 35
Retirement Plan
"
★★★★★
I'm 48 and honestly felt it was too late to plan for retirement. But the quiz suggested a plan that starts paying me pension from age 60. I wish I had found this service 10 years ago.
A
Anil Sharma
Business Owner, Delhi · Age 48
FAQ

Questions we always get

Is this service free? Do I have to pay to get a recommendation?
+
Completely free. The quiz, the recommendation, and the advisor consultation all cost you nothing. We earn a commission from Kotak only if you choose to purchase a plan — with zero extra cost to you.
Will someone pressure me to buy a plan after the call?
+
Not at all. Our advisors are trained to inform and educate — not sell. If the plan doesn't feel right for you, there's absolutely no obligation. Many customers take a few days to think it over, and that's perfectly fine.
What documents do I need to apply for a plan?
+
Typically just your Aadhaar card, PAN card, and a bank account for premium payment. For higher sum-assured plans, a basic medical check-up may be required. Your advisor will guide you through the exact requirements.
How does Kotak's claim settlement work?
+
Kotak Life Insurance has a 98.5% claim settlement ratio, one of the highest in the industry. Claims are typically processed within 30 days of submitting all documents. Your nominee simply needs to contact Kotak's claims team with the policy documents.
About Us

We exist to make life
insurance make sense

A friendly, independent advisor — not a bank, not an insurer. Just a guide that puts you first.

"Our only job is to help you find the right plan — not to sell you the most expensive one."

GetCovered.in was started with a simple frustration: life insurance pages are overwhelming, jargon-heavy, and designed to confuse rather than clarify. We believe every Indian family deserves access to the right financial protection — without needing to decode 40-page policy documents or sit through high-pressure sales calls.

We are a licensed affiliate advisor for Kotak Mahindra Life Insurance. This means we earn a commission from Kotak when you purchase a plan through us — but at absolutely zero extra cost to you. Our incentive is your satisfaction, because our business runs on referrals and trust, not volume.

🔍
Transparent, always
We tell you exactly how we earn, what the plan costs, and what it doesn't cover. No surprises — ever.
🤝
Zero-pressure approach
Our advisors are trained to educate and inform. If a plan isn't right for you, we'll tell you. If you need time, take it.
🛡️
Licensed & IRDAI-compliant
We operate fully within IRDAI guidelines as an authorised point of sale for Kotak Life Insurance. Your data and transaction are protected.
Built on
trust & clarity
Everything we do is designed to make insurance simple, honest, and accessible for every Indian family.
🏆
Award-winning partner
Kotak Life has consistently been rated AAA for claims handling
⚡
24-hr callback
Every lead gets a personal call within one business day — guaranteed
📋
No hidden charges
You pay exactly the premium Kotak publishes. Not a rupee more
🔒
Data privacy
Your details are never sold, rented, or shared with third parties
R
P
A
S
Our advisor team 500+ families guided · avg. 8 yrs experience
Get In Touch

We're here to help you

Have a question about a plan? Not sure where to start? Reach out — our advisors respond within a few hours.

📞
Call Us
+91 98765 00000
Mon–Sat, 9 AM – 7 PM IST
💬
WhatsApp
+91 98765 00000
Quick replies · typically within 30 minutes
✉️
Email Us
hello@getcovered.in
We respond within 24 hours on working days
📍
Registered Office
Bengaluru, Karnataka
Authorised point of sale · IRDAI Reg. No. 107
📅 Business Hours
Monday – Friday9:00 AM – 7:00 PM
Saturday10:00 AM – 5:00 PM
Sunday & Public HolidaysClosed
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