The features that decide the best saving policy include:High yields – When investing in the money market, look for plans that offer diverse fund types and the option to switch among funds with changing market scenario. It will help in maximizing returns. Also, when investing in traditional plans, opt for those that offer guaranteed boosts to your capital.Low cost – Look for plans that charge the least for handling your funds.Reliability –The provider must be financially strong enough to be able to meet all claims. Also, a company with a robust claim settlement record promises surety about your claim being cleared In India, Kotak Life Insurance meets all these parameters.Offering 6 fund types to choose from and the liberty to switch, the ULIPs from Kotak present substantial growth potential.Guaranteed income and guaranteed additions lead to capital appreciation in traditional plans.Some plans require zero premium allocation charges.With a CSR of 97.4% in the FY 2018-19 and a solvency ratio of 3.02 for the year ending on March 2019, Kotak Life occupies a position of trust in the Indian insurance sector.Therefore,you can remain stay stress-free about your investments with a Kotak savings and investment plan.