Kotak Platinum
Kotak Life's premium ULIP with zero premium allocation charge, 10 fund options, and systematic investment strategies — built for disciplined long-term wealth creators.
Data verified: 15 July 2026
Zero Allocation Charge
100% of every premium is invested — no upfront deduction, maximising the compounding effect.
10 Fund Options
Classic Opportunities (equity), Active Income (debt), Money Market, Balanced, Dynamic Floor, and more.
Systematic Investment Strategy
Auto-invest via Systematic Transfer Plan (STP) or Dynamic Asset Allocation — built-in strategies for hands-off investors.
Loyalty Additions
Extra units added from the 6th year onward, increasing annually — Kotak's long-term loyalty reward.
Related Products
HDFC Life
HDFC Life ProGrowth Plus
A unit-linked insurance plan from HDFC Life with a choice of 8 investment funds, unlimited free switches, loyalty additions from year 11, and life cover throughout the policy term.
SBI Life
SBI Life Smart Wealth Builder
SBI Life's flagship ULIP with 9 fund options, automated rebalancing, and loyalty additions from year 6 — designed for long-term wealth creation with built-in life cover.
ICICI Prudential Life Insurance
ICICI Pru Signature
ICICI Prudential's premium ULIP with zero allocation charges, 18 fund options including international funds, and systematic transfer plans — positioned for HNI clients seeking maximum investment flexibility.
Quick Facts
Entry Age
0–65 years
Policy Term
10–30 years
Premium Paying Term
5 / 7 / 10 years or Regular Pay
✓ Last verified 15 Jul 2026
Premium Modes