Kotak Guaranteed Fortune Builder Plan
  • Get Long or Early Income
  • Earn Yearly Guaranteed Additions
  • In-built Waiver of Premium
Buy Policy in just 2 mins

Buy Policy in just 2 mins

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2 lakh + Happy Customers

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Customized Investment Plan for you.

Select Your Annual Income

15 Lacs+ P.A. 10-15 Lacs P.A. 7-10 Lacs P.A. 5-7 Lacs P.A. 3-5 Lacs P.A. Upto 3 Lacs P.A.

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Kotak Guaranteed Fortune Builder Plan

Kotak Guaranteed Fortune Builder is a comprehensive savings plan that helps you protect your family’s future with an assurance to fulfill your goals. It offers guaranteed benefits with multiple plan options to suit different plans and objectives. It includes wealth creation, income for short-term or long-term goals, and protecting your child's future with guaranteed payouts.  This Investment plan offers a liquidity option in which you can encash the cash value of guaranteed yearly addition. You can add your spouse to the same plan and get cover for two people. It offers value-added services for females, such as a premium break feature where female policyholders can avail of a 1-year premium break during the premium payment term.  Guaranteed Fortune Builder offers inbuilt health & wellbeing management services such as consultation, medical care, home health care, etc, with no additional charges. Let’s learn more about the plan in detail.

Kotak Life Insurance Guaranteed Fortune Builder Plan offers you a range of benefits including:

why-choose
  • Stay protected with a life cover for the entire policy term.
  • The plan offers multiple guaranteed benefits to meet your different needs.
  • In this plan, you'll get inbuilt health & well-being management services at no extra charge.
  • The plan allows you to encash the cash value of guaranteed yearly addition.
  • Female policyholders can avail of a 1-year premium break during the premium payment term.
  • Under the spouse cover feature, you can add your spouse under the same plan in exchange for an additional premium.

Eligibility Criteria for Kotak Guaranteed Fortune Builder Plan

Your Occupation

Entry age

Min- 3 years, Max- 60 years

Mukhyamantri Amrutam Yojana

Maturity age

Min- 18 years, Max- 75 years

Your Gender

Policy tenure

8 to 18 years

Maternity Benefit Rider

Premium payment term

5, 7, 10 years

Dr YSR Aarogyasri Trust

Premium payment frequency

Yearly, Half-yearly, Quarterly, Monthly Mode 

Maternity Benefit Rider

Sum assured

No Limit

Riders You Can Avail With Kotak Guaranteed Fortune Builder Plan

Rider Name Benefits
Kotak Accidental Death Benefit Rider Get an extra payout on top of the base cover on accidental death.
Kotak Term Benefit Rider It offers an added death benefit for accidental death.
Kotak Permanent Disability Benefit Rider Get an extra payout on top of the base cover on total and permanent disability due to an accident.
Kotak Life Guardian Benefit Rider Upon the insured person's unfortunate death, the insurer shall pay the remaining premiums.
Kotak Accidental Disability Guardian Benefit Rider Remaining premiums are paid on behalf of the policyholder in the event of accidental disability.
Kotak Critical Illness Plus Benefit Rider Get additional coverage if you are diagnosed with a pre-specified critical illness. Kotak Critical Illness Plus Rider offers coverage against 37 critical illnesses.

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Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Benefits of Kotak Guaranteed Fortune Builder Policy

There are various benefits to buying the Kotak Guaranteed Fortune Builder Plan. Let’s understand each of them in detail:

  • Death benefits:Upon your unfortunate death during the policy term, the death benefit amount shall be payable to your nominee under all options.
  • Maturity Benefit: The plan offers the flexibility to choose to receive the annual income under the guaranteed, Life long, and long-term income.Once you survive till the end of the policy term and all due premiums have been paid, the maturity benefit shall be payable to you under all plan options.
  • Spouse Cover:In this feature, you can add your spouse under the same plan and get coverage for two people by paying an additional premium. This feature is available for all plan options. You can add it while buying a policy, and it cannot be changed during the policy term. The spouse's life cover can range from 50% to 100% of the sum assured on death. It'll automatically terminate at the end of the policy term, or the spouse attains the age of 75 years.
  • Guaranteed Income:Guaranteed income is a percentage of annualized premiums payable to you in installments during the income benefit period. You can opt for the guaranteed income benefit under long-term & early income plan options.

Documents Required to Buy Kotak Guaranteed Fortune Builder Policy

Here is the list of documents required to buy the Kotak Guaranteed Fortune Builder Policy:

Photo ID Proof

Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.

How to Buy Kotak Guaranteed Fortune Builder Plan?

You can buy the Kotak Guaranteed Fortune Builder Plan official website or one of their nearest branch offices.

Life Insurance
  • Step 1

    Visit the official website of PolicyX.com.

  • Step 2

    Click on the ‘Investment’ tab.

  • Step 3

    A new page will appear on the screen.

  • Step 4

    Fill out the form at the top of the page with the necessary details.

  • Step 5

    Select your income and city. Click on 'Proceed'.

  • Step 6

    Update your education and occupation details.

  • Step 7

    Choose your preferred plan and click on 'Buy this plan'.

  • Step 8

    Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.

Life Insurance
  • Step 1

    Visit the official website of Kotak Life Insurance.

  • Step 2

    Hover over the 'Investment Plans' from the top of the menu.

  • Step 3

    Click on the 'Kotak Guaranteed Fortune Builder Policy'.

  • Step 4

    Click on ‘Buy Now’ and you will be redirected to a new page.

  • Step 5

    Enter your name and contact information. One of their representatives will reach out to you and discuss the quotes.

  • Step 6

    Once discussed you can make the premium payment and get the policy documents.

Buying from their branch office

You can buy the Kotak Guaranteed Fortune Builder Policy offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.

Your Occupation

Exclusions of Kotak Guaranteed Fortune Builder Policy

  • Suicide within 12 months of the policy purchase is not covered.
  • Consumption of any intoxicants.
  • Death due to any aviation accident.
  • Death due to any adventurous sports.

Plan At a Glance

What’s Good Here What’s Missing
Guaranteed Benefits Premium Offset
Guaranteed Income High sum assured rebate
Premium Break Top-up Premium
Spouse Cover Whole Life Cover

In a nutshell

Kotak Guaranteed Fortune Builder is a comprehensive savings plan that helps you create wealth with multiple plan options. Whether you want income for short-term or long-term goals or to protect your child's future with guaranteed payouts, you can do so with a Guaranteed Fortune Builder plan. It's a very important decision to invest in an insurance plan. Therefore, you can reach out to us and get insurance-related advice from top insurance experts free of cost.

Kotak Guaranteed Fortune Builder Plan: FAQs

1. Why should I opt for the Kotak Guaranteed Fortune Builder plan?

Kotak Guaranteed Fortune Builder plan is designed to help you create wealth with multiple plan options. It includes wealth creation, income for short-term or long-term goals, and protecting your child’s future with guaranteed payouts.

2. What are milestone payouts?

Milestone payouts are only available under the Bright Future option and shall be payable in instalments of 3, 4, 5, or 6 years after the end of the policy term.

3. What is the minimum premium in the Kotak Guaranteed Fortune Builder?

The minimum premium amount to be paid in the Kotak Guaranteed Fortune Builder plan is ₹30,000 annually under all plan options.

4. Does this plan provide an option for joint life cover?

Under the spouse cover feature, you can add your spouse to the same policy and get coverage for two people. This feature is available for all plan options.

5. What are the plan options in the Kotak Guaranteed Fortune Builder plan?

The plan offers a choice of 4 plan variants that cater to your financial needs: long-term income, early income, assured wealth, or bright future.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Sahil Singh Kathait

Written By: Sahil Singh Kathait

A boy-in-squares bagging escapades of switching streets in groove & sensing musical airy-notes from 6 1". Under wayed nyctophile sketching the walls of life from the panorama of anime.