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Kotak 1 Crore Term Insurance

In the realm of financial planning, ensuring the well-being of your loved ones is paramount. Kotak Life Insurance recognizes this need and offers a comprehensive solution with its 1 Crore Term Insurance. Let’s discuss Kotak 1 crore term insurance offering's key features and benefits that help you decide on securing your family's future. 

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Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
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We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
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The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
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In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

What is Kotak 1 Crore Term Insurance? 

Kotak 1 Crore Term Insurance is designed to provide substantial coverage of 1 crore rupees in the event of the policyholder's demise. 

one crore term plan

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Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

What are the Features of Kotak 1 Crore Term Insurance? 

Let's explore the features that set this policy apart. 

  • Affordable Premiums: Kotak's 1 Crore Term Insurance is known for its cost-effective premium rates, making it accessible to many individuals. This affordability ensures that you can secure a significant sum assured without straining your financial resources. 

  • Flexible Policy Terms: The policy offers flexibility in choosing the coverage tenure. Policyholders can select a term that aligns with their financial goals and the duration for which they want their family to be financially protected. 

  • Comprehensive Coverage: With a coverage amount of one crore rupees, this term insurance plan provides a substantial financial cushion for your family. This lump-sum payout can be instrumental in meeting various financial obligations, including loan repayments, children's education, and daily living expenses. 

  • Add-On Riders for Enhanced Protection: Kotak offers additional riders that can be attached to the base policy for added protection. These riders may include critical illness cover, accidental death benefit, and more, providing a comprehensive safety net for unforeseen circumstances. 

  • Tax Benefits: Like many life insurance plans, Kotak 1 Crore Term Insurance offers tax benefits under Section 80C and Section 10(10D) of the Income Tax Act. This allows policyholders to optimize their tax planning while securing their family's financial future. 

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Term Plan Starting @ ₹449/month+

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How Do You Calculate Whether Rs. 1 Crore is Enough Coverage for You? 

Determining the right amount of term insurance for your family's future is quite straightforward. It involves calculating the present value of all future goals and expenses minus your current wealth and assets. 

Let's understand this with the help of an example: 

Imagine you're considering buying term insurance, and your monthly expenses are Rs. 40,000. That adds up to ₹4.8 lakh annually. Experts suggest having a life cover of at least Rs. 10 times your yearly expenses. So, in this case, your term insurance should be at least Rs. 48 lakh. Now, let's consider other expenses. If you have outstanding car and home loans of around Rs. 55 lakhs, i.e., Rs. 20 lakhs for your children's education and an extra Rs. 80 lakh for your spouse's retirement, the total comes to around Rs. 2 crores. However, you might have some savings or assets to consider. Let's say you have Rs. 20 lakh in accessible investments. Subtracting this, your total insurance requirement would be ₹1.8 crores.

How to Buy Kotak 1 Crore Term Insurance? 

Step 1: Visit Policybazaar and go to the Term Insurance 

Step 2: Fill in basic details such as Name, Date of Birth, and contact number, then click ‘View Plans’. 

Step 3: Answer the questions about Smoking habits, annual income, type of occupation, and educational qualification. 

Step 4: After submitting all the information, a list of all available 50 Lakh term insurance plans will be displayed. 

Step 5: Choose the plan that suits your financial needs and pay.

Wrapping Up

Kotak 1 Crore Term Insurance emerges as a compelling choice for individuals seeking substantial life coverage at an affordable cost. By understanding the features and benefits of this policy, you can take a significant step towards securing the financial future of your loved ones. Before finalizing your decision, it's advisable to consult with Kotak representatives or financial advisors to ensure that the policy aligns perfectly with your specific needs and goals.

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