What is the first word comes to the mind when we talk about insurance? Isn’t it security? This security can be achieved only if we know that which type of insurance can be fruitful for us. The major players of the insurance sectors are trying hard to provide the best services. It is important from the customer’s point of view that the money should be invested only after checking all the details. Aviva and PruHealth are one of the major achievers in this field. They have got Health insurance award 2010. This award was organized by health insurance and protection magazine. Aviva’s health plus plan is a health cum savings plan which not only covers various types of diseases however there are various ways through which you can get the full value of your money.

Kotak is also a major player in the field of life insurance. It has recently started the e-insurance program. It is possible to buy life insurance online. They have the products available in two forms. The first is called as e-preferred term and the second is called as e-term. E-preferred term is very beneficial for non-smokers as well as women. The assured sum is more than Rs.25 lakhs. Similarly e-term is also available with some assured sum. It is in between Rs.3 lakhs and less than Rs. 25 lakhs. They have some good and highly competitive rates for women. It is your choice that which plan is suitable for you. You can also pay the premium according to your choice.

The three new schemes of the company are also available. These are

1. Kotak Guaranteed pension builder

2. Kotak Super advantage

3. Kotak Platinum edge

Kotak Guaranteed pension builder is the plan available for those people who want a systematic investment scheme. These are the savings which can help you to receive money after retirement. The expenses usually increase after the retirement. You can get capital guarantee here. It is an element which permits equity exposure. The allied hazard is reduced. The whole premium given by the depositor is assured at maturity.

Kotak super advantage is for those people who are looking for long-term investment. This plan empowers complete premium from second year onwards. The first year premium is going to count here and they have announced that an investor can get an assured return up to 280% of the first premium on maturity.

Kotak Platinum edge is a flexible plan. It gives the freedom to invest according to the necessities. Investors can choose the stage of required security. The options are not less however it is necessary to choose the product carefully. Many people don’t think properly before buying any plan and they simply waste their money. The type of requirement is the first thing which we should keep in mind, if you’re unsure then check insurance guide online.