79954232 comparative study of the products of hdfc standard life insurance company and metlife india...
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8/14/2019 79954232 Comparative Study of the Products of HDFC Standard Life Insurance Company and MetLife India Insura…
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SUMMER TRAINING REPORT SUBMITTED TOWARDS THE PARTIAL FULFILLMENT OF
BACHELOR OF BUSINESS ADMINISTRATION
SUMMER TRAINING PROJECT REPORT
ON
“Comparative study on HDFC Standard Life
Insurance & MetLife India Insurance”
Submitted By:
Name ! "tude#t: Maya#$ Ma%a&a#
E#'((me#t N: ))*+),)*-).
Bat/%:+)).0+)*+
INTERNAL GUIDE E1TERNAL GUIDE
Name: M'2 Ma%tab A(am Name: M'"2 3ee#u dua
De"i4#ati#: A""i"ta#t P'!e""' De"i4#ati#: Sa(e" Ma#a4e'
T'i#ity I#"titute ! P'!e""i#a( Studie"
A!!i(iated T Gu'u Gbi#d Si#4% I#d'a5'a"t%a U#i6e'"ity
7I8
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CERTIFICTE
TO WHOM SO E3ER IT MA9 CONCERN
T%i" i" t /e'ti!y t%at t%e 5'&e/t '$ ;Comparative study on HDFC Standard Life
Insurance & MetLife India Insurance< made by Mayan! Ma"a#an ! $$ %E I
S"ift ''()'*'(+', i" a# aut%e#ti/ '$ /a''ied ut by %e' u#de' 4uida#/e a#d "u5e'6i"i#
! M'2 Ma"ta- .am2
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! Ba/%e(' ! Bu"i#e"" Admi#i"t'ati#2
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Ma%tab A(am
Name
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T%i" i" t /e'ti!y t%at I %a6e /m5(eted t%e Summe' T'ai#i#4 P'&e/t tit(ed <Comparative
study on HDFC Standard Life insurance and MetLife India insurance< u#de' t%e
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7e8 De/(a'ati# 37!8 E=e/uti6e Summa'y 3I748 C%a5te' * 7P'!i(e ! t%e Cm5a#y8 7*0*-8
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CH8TER9(8R0FILE 0F THE
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(3 8rofi.e of t"e Company:Firm
ame9 MetLi!e I#dia I#"u'a#/e Cm5a#y Ltd2
ddress9
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• $ranc" ddress=>"ere trainin; is done?< MetLi!e I#dia I#"u'a#/e Cm5a#y Ltd2 F(at
#2) ), 'd F('> A"%i'ad C%$> A44a'a( Ma(( P(t #2 Se/0 Da'$a> De(%i>
5%#e:)**,-,*.)> )**,-,*.* 5i#:**))-
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Type of Company0 Mu(ti#ati#a( Cm5a#y
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=India?
• A#d%'a P'ade"% Ha'ya#a Pudu/%e''y
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Introduction of t"e or;ani@ation0MetLi!e I#dia I#"u'a#/e Cm5a#y Limited 7MetLi!e8 i" a#
a!!i(iate ! MetLi!e> I#/2 a#d a" i#/'5'ated a" a &i#t 6e#tu'e betee# MetLi!e
I#te'#ati#a( H(di#4"> I#/2> T%e Jammu a#d a"%mi' Ba#$> M2 Pa((#&i a#d C2 P'i6ate
Limited a#d t%e' 5'i6ate i#6e"t'"2 It i" a 5'i6ate (imited i#"u'a#/e /m5a#y 'ea/%e"
m'e t%a# .) mi((i# /u"tme'" a'u#d t%e '(d it i" t%e /a5ita(ied 5'i6ate "e/t'
mu(ti#ati#a( /m5a#y
MetLifeA Inc3 i" t%e %(di#4 /'5'ati# !' t%e Metropo.itan Life Insurance Company
' MetLife !' "%'t2 T%e !i'm a" !u#ded # Ma'/% +> *K,K2 MetLi!e i" t%e (a'4e"t
(i!e i#"u'e' i# t%e U#ited State"> it% m'e t%a# 2 t'i((i# ! (i!e i#"u'a#/e i# !'/e2 A
(eade' i# "a6i#4" a#d 'eti'eme#t 5'du/t" a#d "e'6i/e" !' i#di6idua("> "ma(( bu"i#e""> a#d
(a'4e i#"tituti#"> MetLi!e "e'6e" .) ! t%e (a'4e"t F'tu#e *)) /m5a#ie"2 MetLi!e i"
i#"u'i#4 t%e (i6e" ! t%e 5e5(e !' a'u#d *) yea'"2
Tday> %e# 5e5(e a'e !ee(i#4 a 4'eate' !i#a#/ia( bu'de# t%a# e6e' be!'e> MetLi!e i"
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i#"u'a#/e 5(a#"2
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METLIFE IDI FCT SHEET
Founded )''(
Started 0peration F4 )''(9')
HeadBuarters $an;a.oreA India
1or.d 1ide 1e- ddress
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Mana;in; Director Ra#es" Re.an
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$ancassurance Tie97ps =5&/ $an!:is $an!:D"ana.a!s"mi
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t%at Ste6e# a#da'ia#> % %ad %eaded MetLi!e" i#6e"tme#t de5a'tme#t u(d "u//eed
Rbe't He#'i/$"# a" P'e"ide#t a#d CEO a" ! May *> +)**2
$usiness Sector0 Met(i!e i" a !a"t u5/mi#4 5'!e""i#a( i#"u'a#/e /m5a#y i# I#dia2
It i" 5e'ati#4 i# t%e i#"u'a#/e "e/t'2 MetLi!e i" #e ! t%e !a"te"t 4'i#4 (i!e
i#"u'a#/e /m5a#ie"2 T%e M etLi !e ' 4a# iat i# i" a ( ead i#4 5' 6id e' !
i#"u 'a# /e> a## ui t i e" a#d em5 (y ee be# e! i t 5' 4'a m"2 MetLi!e I#dia %a"
de6e(5ed a#d di"t'ibute" a 'a#4e ! (i!e i#"u'a#/e 5'du/t" i# I#dia2
MetLi!e i" a (eade' i# "a6i#4" a#d 'eti'eme#t 5'du/t" a#d "e'6i/e" !' i#di6idua("> "ma((
bu"i#e""e" a#d (a'4e i#"tituti#"2 T%e /m5a#y /#du/t" it" bu"i#e"" 5e'ati#" t%'u4%
!i6e "e4me#t" #ame(y> i#"tituti#a(> i#di6idua(> i#te'#ati#a(> aut a#d %me> a" e(( a"
t%e /'5'ate2 MetLi!e i" 5e'ati#4 i# t%e a'ea ! i#"u'a#/e2
78
3 CompanyGs 2ision and Mission
2ision Meanin;: A 6i"i# "tateme#t i" "metime" /a((ed a 5i/tu'e ! yu' /m5a#y i#
t%e !utu'e but it" " mu/% m'e t%a# t%at2 9u' 6i"i# "tateme#t i" yu' i#"5i'ati#> t%e
!'ame'$ !' a(( yu' "t'ate4i/ 5(a##i#42 A 6i"i# "tateme#t may a55(y t a# e#ti'e
/m5a#y ' t a "i#4(e di6i"i# ! t%at /m5a#y2 W%et%e' !' a(( ' 5a't ! a#
'4a#iati#> t%e 6i"i# "tateme#t a#"e'" t%e @ue"ti#> ;W%e'e d e a#t t 4<
MetLife 2ision0;t bui(d !i#a#/ia( !'eedm !' e6e'y#e04uide" t%e /m5a#y" t
5e5(e" 4'i#4 #eed" !' !i'"t 'ate !i#a#/ia( 5'du/t" a#d "e'6i/e" t%'u4% 6a'iu" (i!e
"ta4e" a#d e/#mi/ /y/(e"2<
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Mission Meanin;: A mi""i# "tateme#t i" a b'ie! de"/'i5ti# ! a /m5a#y" !u#dame#ta(
5u'5"e2 A mi""i# "tateme#t a#"e'" t%e @ue"ti#> W%y d e e=i"t
T%e mi""i# "tateme#t a'ti/u(ate" t%e /m5a#y" 5u'5"e bt% !' t%"e i# t%e
'4a#iati# a#d !' t%e 5ub(i/2 E6e'y bu"i#e"" "%u(d %a6e a mi""i# "tateme#t> bt% a"
a ay ! e#"u'i#4 t%at e6e'y#e i# t%e '4a#iati# i" # t%e "ame 5a4e a#d t "e'6e
a" a ba"e(i#e !' e!!e/ti6e bu"i#e"" 5(a##i#42
MetLife Mission0;Ou' /m5a#y" 5u'5"e i" t "im5(i!y a#d aid t%e de/i"i#0ma$i#4
5'/e"" !' u' /u"tme'" i# buyi#4 a !i#a#/ia( 5'du/t2 We i(( ma$e i#!'mati#
a6ai(ab(e t t%e /u"tme' i# t%e "im5(e"t a#d ea"i(y /m5'e%e#dib(e ay " t%at
/u"tme'" /a# ma$e a# i#!'med /%i/e be"t "uited !' t%ei' i#di6idua( #eed"2<
7,8
3 8roduct ran;e of t"e company
MetLi!e dea(" i# t%e (i!e i#"u'a#/e 5'du/t"2 P'du/t 'a#4e ! MetLi!e i":0
Life Insurance 8roducts
Traditiona.
8roducts
Term p.an Endo>ment
p.an
Money -ac!
p.an
C"i.d money
-ac! p.an
8ension p.an
Term p.an9T%i" i" a 5(a# t /6e' t%e 'i"$ ! ea'(y deat%2 Met sura!s"a> met sura!s"a
tropA met sura!s"a p.us et/ a'e t%e te'm" 5(a#" ! MetLi!e
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Endo>ment p.an 0T%i" i" a 5(a# t 5'6ide" "a6i#4" a#d "e/u'ity2 met suvid"a> met
sara.> met ('' et/ a'e t%e e#dme#t 5(a#" ! MetLi!e2
7K8
Met Suvid"a0Met Su6id%a i" a F(e=ib(e E#dme#t P(a# t%at /mbi#e" "a6i#4" a#d
"e/u'ity2 I# additi# t 5'6idi#4 yu 5'te/ti# ti(( t%e matu'ity ! t%e 5(a#> it %e(5" yu
"a6e !' yu' "5e/i!i/ (#4 te'm !i#a#/ia( b&e/ti6e"2
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m#ey ba/$ 5(a#" ! MetLi!e2
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C"i.d money -ac! p.ans 0T%e"e a'e ba/$ 5(a# t%at 5ay" ut !u#d" t %e(5 yu meet t%e
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!'m a#d !i=ed te'm be#e!it"> 5e'idi/ additi#" te'mi#a( additi#" a'e 5ayab(e ba"ed
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m#ey ba/$ 5(a# %i/% 5'6ide" 4ua'a#teed 5e'idi/ "u'6i6a( be#e!it" at t%e e#d ! > *)
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Metma;ic 8.us0 Met Ma4i/ P(u" i" a U#it Li#$ed N#0Medi/a( Re4u(a' 5'emium Li!e
I#"u'a#/e P(a#> it "e/u'e yu' /%i(d" !utu'e2 Met Ma4i/ 5(u" 5'6ide" t%e be#e!it !i#"u'a#/e 5'te/ti# t yu' !ami(y> 5a'ti/u(a'(y yu' /%i(d> e6e# %e# yu a'e #t a'u#d2
Minimum Entry ;e *Kyea'"2Maimum Entry ;e yea'"2Maturity ;e of Life Insured -)yea'"2Minimum 8o.icy Term *) 9ea'"> * 9ea'"> +) 9ea'" + 9ea'"
7*+8
8ension p.an9 A 5e#"i# 5(a# i" a 5(a# i# %i/% a# em5(yee t'a#"!e'" 5a't ! %i" '
%e' /u''e#t i#/me "t'eam ta'd 'eti'eme#t i#/me %i/% %e 4et" i# t%e !utu'e 2 Sme
! t%e 5e#"i# 5(a#" ! MetLi!e a'e Met smart one> met easy super> met pension par
et/2
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Met smart one0met "ma't #e > %i/% i" i#6e"tme#t /um 5'te/ti# "i#4(e 5'emium 5(a#
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premium
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5"t" R" /''e" 5'!it i# t%e !i#a#/ia( yea' +)*)0+)**
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7*8
+3 Mar!et s"are & position of t"e company in t"e industry
Mar!et S"are definition0 T%e 5e'/e#ta4e ! a# i#du"t'y ' ma'$et" tta( "a(e" t%at i" ea'#ed
by a 5a'ti/u(a' /m5a#y 6e' a "5e/i!ied time 5e'id2 Ma'$et "%a'e i" /a(/u(ated by ta$i#4 t%e
/m5a#y" "a(e" 6e' t%e 5e'id a#d di6idi#4 it by t%e tta( "a(e" ! t%e i#du"t'y 6e' t%e "ame
5e'id2 T%i" met'i/ i" u"ed t 4i6e a 4e#e'a( idea ! t%e "ie ! a /m5a#y t it" ma'$et a#d it"
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MetLi!e I#dia I#"u'a#/e Cm5a#y Limited 7MetLi!e8> #e ! I#dia" !a"te"t 4'i#4 (i!e
i#"u'a#/e /m5a#ie"> tday /'""ed t%e #e mi((i# ma'$ i# 5(i/ie" i""ued> ta$i#4 t%e
tta( #umbe' ! (i6e" i#"u'ed t t mi((i# 7i#/(udi#4 t%e 4'u5 bu"i#e""82T%e /m5a#y>
%i/% "ta'ted it" 5e'ati#" i# I#dia i# t%e yea' +))+> i" tday #e ! t%e !a"te"t
4'i#4 (i!e i#"u'a#/e /m5a#ie" i# t%e /u#t'y> it% a 5'e"e#/e i# 6e' ,.) (/ati#"
a#d a ma'$et "%a'e ! 2 It i" 5'e"e#t at t%e K 5"iti# i# t%e i#"u'a#/e ma'$et !
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2 HDFC Sta#da'd 2+ *2 ING 3y"ya )2
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-2 Re(ia#/e Li!e 2* *2 B%a'ti A=a Li!e )2+
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38resent Leaders"ip
I %a6e d#e my Summe' t'ai#i#4 u#de' t%e 4uida#/e ! M'"2 2EE7 D7 at Da'$a
B'a#/% Ne De(%i2 My '$i#4 te#u'e a" !u(( ! (ea'#i#4 a#d de6e(5me#t2 I 4t t%e
'ea( e=5"u'e ! /'5'ate '(d du'i#4 "umme' t'ai#i#42 I a" b(e""ed it% t%e 4'eat
me#t' % de6e(5 my "$i((" a#d e#%a#/ed my $#(ed4e2
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m"t e!!e/ti6e (eade'"%i5 "ty(e2 S%e !!e'ed 4uida#/e t t'ai#ee"> "%e a(" 5a'ti/i5ate i# t%e
t'ai#i#4 5'4'am a#d a(( i#5ut !'m a(( t%e t'ai#ee"2 S%e e#/u'a4ed t'ai#ee" t
5a'ti/i5ate i# t%e t'ai#i#4 5'/e""> t'ai#ee" !ee( e#4a4ed i# t%e 5'/e"" a#d !e(t 6e'y
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CH8TER9)
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T $# t%e m"t 5'e!e''ed 5(i/y2
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e=5e/tati# !'m 5'i6ate i#"u'a#/e /m5a#ie"2
• T A""e"" t%e 55'tu#ity a#d Ri"$" i#6(6e i# i#"u'a#/e "e/t'2
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• T "tudy t%e Re4u(at'y F'ame'$ !' i#"u'a#/e "e/t'2
• T "tudy t%e !u#dame#ta( ! Li!e I#"u'a#/e I#du"t'y2
• Cm5a'i"# betee# HDFC a#d Met (i!e I#"u'a#/e a//'di#4 t t%ei' 5'du/t
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Re"ea'/% de"i4# /a# be di6ided i#t !i=ed a#d !(e=ib(e 'e"ea'/% de"i4#"2 Sme e/#mi"t"
%a6e 'e!e''ed t t%i" di"ti#/ti# it% Q@ua#titati6e 'e"ea'/% de"i4#" a#d Q@ua(itati6e
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/m5#e#t" "u/% a" 5%a"e"> ta"$"> met%d"> te/%#i@ue" a#d t("2
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at (ea"t /a'e!u((y te"ti#4 t%e /#/(u"i# t dete'mi#e %et%e' t%ey !it t%e !'mu(ati#4
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a#d m'e !'ma( a55'a/%e" t%'u4% i#0de5t% i#te'6ie"> @ue"ti##ai'e %a" 4i6e# a
"i4#i!i/a#t i#"i4%t i#t t%e 4i6e# "ituati#2 T%e 'e"ea'/% i" 5'ima'i(y e=5('at'y i# #atu'e2
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7+)8
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att'ibute" ! a 6a'iab(e ' "et ! 6a'iab(e"2 Data i" bit" ! i#!'mati# btai#ed !'m
b"e'6ati#2 I# t%e /#te=t ! "/ie#/e> it i" u"ua((y 5%y"i/a( t'ait" b"e'6ed du'i#4 a#
e=5e'ime#t2
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/%a'a/te'" ' t'ait2
T%e data /((e/ted a" 'e5'e"e#ted i# t%e !'m ! tab(e"> ba'"> 5ie /%a't" !' d'ai#4
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I#!e'e#/e"2 ua#titati6e te/%#i@ue" (i$e a6e'a4e"> 5e'/e#ta4e"> t0ay tab(e"> e'e a55(ied
a" 'e@ui'ed2 T%e (e6e( ! 5'e!e'e#/e> 5e'/e5ti# ! t%e /u"tme'" abut t%e 5'du/t a#d
/m5a#y e'e ide#ti!ied by mea#" ! @ue"ti#" i# t%e @ue"ti##ai'e2 F' t%e
'e5'e"e#tati# ! data 6a'iu" /%a't" tab(e" 5ie /%a't" a#d 4'a5%" %a6e bee# u"ed a" 5e'
'e@ui'eme#t2
I# 'de' t ma$e t%e /m5a'ati6e "tudy 5""ib(e> 5a'amete'" e'e /%"e# a#d @ue"ti#"
e'e de"i4#ed e(i/iti#4 'ati#4" !'m t%e 'e"5#de#t"2 T%e"e 'ati#4" e'e tabu(ated a#d t%e#
'e5'e"e#ted by mea#" ! (i#e dia4'am"2
Du'i#4 t%e 5'/e"" ! data /((e/ti#> /#"ide'ab(e amu#t ! time a" "5e#t i#
e=5(ai#i#4 t%e 5u'5"e a#d t%e e=a/t #atu'e ! t%e data 'e@ui'ed !'m t%e @ue"ti##ai'e"
!i((ed2 I# additi# t t%i"> i# "me /a"e" @ue"ti#" %ad t be e=5(ai#ed t t%e 'e"5#de#t"2
M'e6e'> !' "me @ue"ti##ai'e" %ad t be !i((ed i# a" t%ey e'e #t " e(( 'ead a#d
(ite'ate2
Sources of Data Co..ection:
T%e'e a'e t "u'/e" ! data:0
*2 8rimary data0 P'ima'y data i" data t%at %a" #t bee# 5'e6iu"(y 5ub(i"%ed> i2e2 t%e data
i" de'i6ed !'m a #e ' 'i4i#a( 'e"ea'/% "tudy a#d /((e/ted at t%e "u'/e> e242> i#
ma'$eti#4> it i" i#!'mati# t%at i" btai#ed di'e/t(y !'m !i'"t0%a#d "u'/e" by mea#" !
"u'6ey"> b"e'6ati# ' e=5e'ime#tati#2 7+*8
+2 Secondary data0 Se/#da'y data i" t%e data t%at %a6e bee# a('eady /((e/ted by a#d
'eadi(y a6ai(ab(e !'m t%e' "u'/e"2 Su/% data a'e /%ea5e' a#d m'e @ui/$(y btai#ab(e
t%a# t%e 5'ima'y data a#d a(" may be a6ai(ab(e %e# 5'ima'y data /a##t be btai#ed
at a((2
• 8rimary Source: T%'u4% ue"ti##ai'e> /((e/ti#4 data !'m t%e i#"u'a#/e
cm5a#y t $# abut t%e "a(e" ! i#"u'a#/e
• Secondary source: 3a'iu" i#"u'a#/e &u'#a( a#d 46e'#me#t Ju'#a( (i$e IRDA
a(" t%'u4% 6a'iu" i#"u'a#/e 'e(ated eb"ite i2e i#te'#et2
Met"od of Data co..ection
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Census servey Samp.e survey
Samp.e met"od
Types of samp.in;
8ro-a-i.ity non pro-a-i.ity
Random samp.in;
Random Samp.in; Tec"niBue
I#itia((y> a 'u4% d'a!t a" 5'e5a'ed $ee5i#4 i# mi#d t%e b&e/ti6e ! t%e 'e"ea'/%2 A
5i(t "tudy a" d#e i# 'de' t $# t%e a//u'a/y ! t%e ue"ti##ai'e2 T%e !i#a(
ue"ti##ai'e a" a''i6ed #(y a!te' /e'tai# im5'ta#t /%a#4e" e'e d#e2 T%u" my
"am5(i#4 /ame ut t be &ud4me#ta( a#d /#6e#ie#t2
7++8
7niverse<
T%e !i'"t "te5 i# de6e(5i#4 a#y "am5(e de"i4# i" t /(ea'(y de!i#e t%e "et ! t%e b&e/t"
te/%#i/a((y /a((ed t%e u#i6e'"e t t%e "tudied2 U#i6e'"e /a# be eit%e' be !i#ite ' i#!i#ite2
I# !i#ite u#i6e'"e t%e #2 ! item mea#" t%e 5e'"# % (i6ed i# (/a( a'ea ! DELHI2
Tta( #umbe' ! 5e'"#" a55'a/%ed !' /((e/ti#4 data?i#!'mati# a" )2
;e0ut ! )> ) e'e a4ed betee# ) t )> * e'e betee# ) t ,) a#d 'e"t e'e
ab6e ,)2
%ender9 bt% ma(e" a#d !ema(e" e'e a55'a/%ed !' t%e data?i#!'mati#2 Out ! )> )
e'e ma(e" a#d 'e"t +) e'e !ema(e"2
Samp.in; 7nit<
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T%e 'e"5#de#t" % e'e a"$ed t !i(( ut @ue"ti##ai'e" a'e t%e "am5(i#4 u#it"2 T%e"e
/m5'i"e ! em5(yee" ! MNC"> G6t2 Em5(yee" a#d Se(! Em5(yed et/2
Samp.e si@e<
T%e "am5(e "ie a" 'e"t'i/ted t #(y )2
Samp.in; rea<
T%e a'ea ! t%e 'e"ea'/% a" De(%i> I#dia2
Researc" Instrument
St'u/tu'ed C("ed E#ded a#d O5e# E#ded ue"ti##ai'e2
De5t% i#te'6iei#4
7+8
3 Limitation = pro-.ems in data co..ection?
➢ 8syc"o.o;ica. Constraints0 M"t ! t%e 5e'"#" % e'e i#te'6ieed !e(t
di"tu'bed %i(e 'e"5#di#4 t @ue"ti#" du'i#4 t%ei' '$ %u'" %e#/e t%ey made it a
5i#t t !i#i"% !! a#"e'i#4 t%e @ue"ti##ai'e a" "# a" 5""ib(e2
➢ Constraints re;ardin; confidentia. Issues9 M"t ! t%e i#te'6ieed 5e'"#" e'e
'e(u/ta#t t 4i6e i#!'mati#2
➢ o >ide covera;e0 T%e Li!e I#"u'a#/e I#du"t'y /6e'" 6e'y 6a"t a'ea " it may
be 5""ib(e t%at "me ! t%at a'ea mi4%t be #t /6e' i# t%i" 'e5't2
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➢ Increased competition 9 Tday t%e /m5etiti# i# t%e I#"u'a#/e "e/t' %a" be/ame
6e'y "ti!!2 Cu''e#t(y t%e'e a'e * Li!e I#"u'a#/e /m5a#ie" '$i#4 i# I#dia2 Tday ea/%
a#d e6e'y /m5a#y i" t'yi#4 t i#/'ea"e t%ei' I#"u'a#/e Ad6i"'" " t%at t%ey /a#
i#/'ea"e t%ei' 'ea/% i# t%e ma'$et2 T%i" "ituati# %a" /'eated a "/e#a'i i# %i/% t
'e/'uit Li!e i#"u'a#/e Ad6i"'" a#d t "e(( (i!e I#"u'a#/e P(i/y %a" be/ame 6e'y di!!i/u(t2
➢ Time constraint0 T%e'e a" a time /#"t'ai#t i# t%e "tudy2
➢ Dai.y c"an;es in t"e Industry0 I# a 'a5id(y /%a#4i#4 i#du"t'y> a#a(y"i" # #e
day ' i# #e "e4me#t /a# /%a#4e 6e'y @ui/$(y2 T%e e#6i'#me#ta( /%a#4e" a'e 6ita( t
be /#"ide'ed i# 'de' t a""imi(ate t%e !i#di#4"2
7+8
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CHAPTER0S10T L4SIS 0F
THE C0M84
(3 Stren;t"s & t"e 1ea!nesses of t"e Firm:Company
Stren;t"s<
Wit% 6e' *. yea'" ! e=5e'ie#/e MetLi!e %a6e a55'=imate(y US 2 t'i((i# ! (i!e
i#"u'a#/e i# !'/e2
B'a#d Ima4e > Bu"i#e"" E=5e'ie#/e a#d I##6ati6e 5'du/t"22
La'4e #umbe' ! yu#4 '$!'/e> Se'6i/e @ua(ity %i/% i" t%e /'u= ! t%ei' mi""i#2
Ha" tie u5 it% ba#$" (i$e A=i" > J > Ba'/(ay" > a'#ata$a Ba#$ a#d D%a#a(a$"%mi
ba#$2
Paid0u5 /a5ita( ! RS *)) /''e" a" # +)*) %i/% "%" /m5a#y de5e#dabi(ity2
3e'y (e"" /%a'4e" # ULIP 5(a#" a" /m5a'ed t t%e' i#"u'a#/e 5(aye'" 2
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1ea!nesses<
Ma#y /m5etit'" i# t%e ma'$et ! "ame 5'du/t" by t%e tit(e a#d di!!e'e#/e i#
5'emium a#d !!e'i#4"2
Su"tai#ab(e t 'i"$ a""/iated it% i#6e"tme#t" i# m#ey ma'$et2
3e'y (e"" #et'$ b'a#/%e" due t %i/% it" di!!i/u(t !' /u"tme' t ma$e 5ayme#t
ea"i(y2
Nt !/u"i#4 # /#"ume' aa'e#e"" mai#(y /#/e#t'ati#4 # 5e'"#a( "e((i#42
M'e !/u"i#4 i# u'ba# a'ea" #t tu/%i#4 'u'a( a'ea %i/% %a" a 6e'y 4d 5te#tia(
ma'$et !' i#"u'a#/e "e/t'2
La/$i#4 i# ad6e'ti"eme#t due t %i/% t%ey a'e #t ab(e t /6e' a (a'4e a'ea ' (a'4e
#2 ! /u"tme'2
7+,8
)3 0pportunities & T"reats t"at t"e Company faces
0pportunities<
Hu4e ma'$et i" (ite'a((y u#ta55ed2 Out ! e"timated +) mi((i# i#"u'ab(e ma'$et" #(y
+) ! t%e 55u(ati# i" i#"u'ed2
Hea(t% i#"u'a#/e a#d 5e#"i# "/%eme"> a# e"timated ma'$et 5te#tia( ! a55'=imate(y
* bi((i#2
Nea'(y -) ! t%e I#dia# 55u(ati# i" it%ut Li!e > Hea(t% > a#d N#0Li!e i#"u'a#/e2
Pe' Ca5ita (i!e i#"u'a#/e 5'emium i# I#dia i# +)) a" *, a" /m5a'ed t t%e '(d
a6e'a4e ! +.+2
St'#4 e/#mi/ 4't% it% i#/'ea"e i# a!!(ue#/e a#d 'i"i#4 'i"$ aa'e#e"" (eadi#4 t
'a5id 4't% i# t%e I#"u'a#/e "e/t'2
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T"reats<
P(aye'" (i$e Ba&a& a#d Bi'(a "u# (i!e !!e' "ame 5(a#" it% ( 5'emium"2
E#t'y ! ma#y t%e' 5'i6ate /m5a#ie" it% e@ua((y "t'#4 e=5e'ie#/e a#d !i#a#/ia(
"t'e#4t% ! !'ei4# 5a't#e'" ma$i#4 t%e /m5etiti# di!!i/u(t a#d "atu'ati#4 t%e u'ba#
ma'$et" 7e=am5(e Idbi F'ti" i#"u'a#/e > B%a'ti a=a i#"u'a#/e a#d m'e8
Cu''e#t 46t2 5(i/ie" d #t e#/u'a4e 4'"" dme"ti/ "a6i#4"2 I! t%e ta= (iabi(ity !
t%e "e'6i/e /(a"" 'i"e"> t%e /u"tme' i(( %a6e (itt(e m#ey t i#6e"t2
LIC %a" $e# u5 !'m "(ee5 a#d i" !((i#4 /m5etiti6e "t'ate4ie"2 It" %u4e "u'5(u"
i# (i!e !u#d 4i6e" a /a5abi(ity t (d4e 5'i/e a'2
7+-8
3 Competitive ed;e of t"e company
1"y c"oose MetLife
Cu"tme' 'e@ui'eme#t" a#d /m!'t a'e a(ay" u' 5'i'ity2 T%at i" %y u' i#te'a/ti#"
a'e di"ti#4ui"%ed by u' e=5e'ti"e> /m5a""i# a#d "e#"iti6ity2
T%e MetLi!e /m5a#ie" a'e #e ! t%e '(d" (a'4e"t a#d m"t 'e"5e/ted !i#a#/ia(
"e'6i/e" '4a#iati#"2 F' 6e' *) yea'"> e6e bee# %e(5i#4 5e5(e bui(d !i#a#/ia(
!'eedm2 F' "me> t%i" mea#" 5'te/ti# !' t%ei' !ami(ie"2 F' t%e'"> it mea#" ea(t%
5timiati# ' 5'e"e'6ati#2 Cmbi#ed it% u' i##6ati#> t%i" ma$e" t%e MetLi!e
/m5a#ie" t'u(y !'midab(e 5(aye'" i# t%e Li!e I#"u'a#/e i#du"t'y2
MetLi!e i" t%e (eadi#4 5'6ide' ! G'u5 Li!e I#"u'a#/e "e'6i#4 6e' +K>))) 4'u5 (i!e
/u"tme'"> /6e'i#4 m'e t%a# +. mi((i# 5a'ti/i5a#t" i#/(udi#4 ma#y ! t%e t5 #e
%u#d'ed FORTUNE )) /m5a#ie"2 Ou' !i#a#/ia( "t'e#4t% a#d e=5e'ie#/e a(( u" t
!!e' "e6e'a( (i!e i#"u'a#/e 5ti#" t bette' !it yu' /m5a#y" "5e/i!i/ #eed"2
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We (ead t%'u4% I##6ati# t !!e' '(d /(a"" a#d /m5etiti6e 5'du/t" t u' /u"tme'"2
We bui(d L#4 Te'm Re(ati#"%i5" it% u' /u"tme'" by /'eati#4 a '(d /(a"" "e'6i/e
e=5e'ie#/e t%'u4% 5e'ati#a( e=/e((e#/e a#d t%e i##6ati6e u"e ! te/%#(4y2
We /'eate a Cu"tme' Ce#te'ed a#d Re"u(t F/u"ed 3i"i# t%at i#"5i'e" ea/% #e ! u'
A""/iate" a#d %a" t%ei' buy0i#2
We a'e /mmitted t /'eati#4 a Hi4% Pe'!'ma#/e O'4a#iati# by /'eati#4 a# e#6i'#me#t
t%at a((" ea/% #e ! u' A""/iate" t 5e'!'m at t%ei' 5ea$2 A" a 'e"u(t e i(( a(" be
'e/4#ied a" a# Em5(ye' ! C%i/e2
We a'e /mmitted t Pa't#e'i#4 it% u' i#te'#a( a#d e=te'#a( Cu"tme'" !' mutua( "u//e""2
We '$ it% I#te4'ity> Fai'#e"" a#d Fi#a#/ia( P'ude#/e i# a(( u' dea(i#4" $ee5i#4 t%e
i#te'e"t" ! u' S%a'e%(de'"> Cu"tme'" a#d A""/iate" 5a'amu#t2
7+K8
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CHAPTER 0 FIDI%S & L4SIS
L4SIS
HDFC STDRD LIFE
8rofi.e
Housin; Deve.opment Finance Corporation Limited ' HDFC> !u#ded *.-- by
Ha"mu$%b%ai Pa'e$%> i" a# I#dia# NBFC> !/u"i#4 # %me m't4a4e"2 HDFC"
di"t'ibuti# #et'$ "5a#" +K ut(et" t%at i#/(ude ,, !!i/e" ! HDFC" di"t'ibuti#
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/m5a#y a#d HDFC Sa(e" P'i6ate Limited2 Sta#da'd (i!e i" a Ca#adia# /m5a#y2 T%e
Sta#da'd Li!e A""u'a#/e Cm5a#y a" e"tab(i"%ed i# *K+ a#d a" 'ei#/'5'ated a" a
mutua( a""u'a#/e /m5a#y i# *.+2
I# additi#> HDFC /6e'" 6e' .) (/ati#" t%'u4% it" ut'ea/% 5'4'amme"2 HDFC"
ma'$eti#4 e!!'t" /#ti#ue t be /#/e#t'ated # de6e(5i#4 a "t'#4e' di"t'ibuti#
#et'$2 Hme (a#" a'e a(" "u'/ed t%'u4% HDFC Sa(e"> HDFC Ba#$ Limited a#d
t%e' t%i'd 5a'ty Di'e/t Se((i#4 A4e#t" 7DSA82
HDFC Sta#da'd Li!e I#"u'a#/e Cm5a#y Limited i" #e ! t%e !i'"t /m5a#ie" t be
(i/e#"ed by IRDA t 5e'ate i# t%e I#"u'a#/e "e/t'2 T%e /m5a#y /ame i#t e=i"te#/e
# *t% Au4u"t +)))2 HDFC %(d" K*2 "%a'e i# HDFC a#d t%e 'emai#i#4 *K2, "ta$e
i" it% Sta#da'd Li!e2 It i#te4'ate" t%e "t'#4 e=5e'ti"e a#d "tabi(ity ! Sta#da'd Li!e a#d
HDFC2 It i" #e ! t%e m"t t'u"ted /m5a#ie" it i" ea"i(y a//e""ib(e a#d a55'a/%ab(e>
!!e'i#4 6a(ue "e'6i/e" t it" /u"tme'"2 T%e /m5a#y aim" t 5'6ide:
I##6ati6e 5'du/t" t /ate' t di!!e'e#t #eed" ! di!!e'e#t /u"tme'"
Cu"tme' "e'6i/e ! t%e %i4%e"t 'de'
U"e ! te/%#(4y t im5'6e "e'6i/e "ta#da'd"
3a(ue !' m#ey !' /u"tme'"
I#/'ea"i#4 ma'$et "%a'e 7)8
T%e 6a(ue" i#4'ai#ed i# t%e /m5a#y a'e t 5'6ide !i#a#/ia( "e/u'ity t 5(i/y%(de'">
mai#tai# t'u"t a#d $ee5 i##6ati#4 t e"tab(i"% it a" a u#i@ue 5(aye'2
HDFC Sta#da'd Li!e I#"u'a#/e> a &i#t 6e#tu'e betee# HDFC a#d Sta#da'd Li!e
A""u'a#/e Cm5a#y> Eu'5e" (a'4e"t mutua( (i!e /m5a#y> %a" ide#ti!ied t%e 'u'a( ma'$et
a" a# im5'ta#t t%'u"t a'ea !' it" !utu'e 4't%2
T%e /m5a#y> 'a#$ed #umbe' am#4 t%e 5'i6ate 5(aye'" i# t%e i#"u'a#/e "e/t' 2
8roduct 8ortfo.io
At HDFC Sta#da'd Li!e> !!e' a bu@uet ! i#"u'a#/e "(uti#" t meet e6e'y #eed2 It
/ate' t bt%> i#di6idua(" a" e(( a" t /m5a#ie" ($i#4 t 5'6ide be#e!it" t t%ei'
em5(yee"2
➢ Te'm P'du/t
➢ E#dme#t P'du/t
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➢ M#ey ba/$ P'du/t
➢ C%i(d M#ey Ba/$ P'du/t
➢ Pe#"i# P'du/t
7*8
C0M8RIS0 $ET1EE HDFC STDRD LIFE D METLIFE IS7RCE 8R0D7CTS
ISTIT7TI0 ME 8L ME M6 TERM M6 S7M SS7RRED 1HICH 0E IS $ETTER
METLIFE
HDFC
STDRD LIFE
TERM PLAN
TERM PLAN
,) 9EARS
,) 9EARS
NO BAR
NO BAR
BOTH PLANS ARE
BETTER
METLIFE
HDFC
STDRD LIFE
ENDOWMENT
PLAN
ENDOWMENT
PLAN
-) 9EARS
-) 9EARS
,)>))>)))
)>))>)))
METLIFE PLAN IS
BETTER THEN THE
HDFC PLAN
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METLIFE
HDFC
STDRD LIFE
MONE9
BAC PLAN
MONE9
BAC PLAN
-) 9EARS
,) 9EARS
NO BAR
NO BAR
METLIFE PLAN IS
BETTER THEN THE
HDFC PLAN
METLIFE
HDFC
STDRD LIFE
CHILD PLAN
CHILD PLAN
) 9EARS
,) 9EARS
NO BAR
NO BAR
HDFC PLAN IS
BETTER THEN THE
METLIFE PLAN
METLIFE
HDFC
STDRD LIFE
PENSION
PLAN
PENSION
PLAN
,) 9EARS
,) 9EARS
NO BAR
NO BAR
BOTH ARE BETTER
7+8
Mar!etin; strate;ies of METLIFE
I# /#"#a#/e it% t%e /%a#4e" ta$i#4 5(a/e i# t%e i#"u'a#/e ma'$et> t%e /'5'ati# %a"
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'ie#ted ta'd" t%e yu#4e' 4e#e'ati#2 T%e /'5'ati# ad6e'ti"i#4 /am5ai4#" a""i"ted
t%e ma'$eti#4 "t'ate4ie"2
8R ctivities for Consumer Re.ations<
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bui(di#4 'e(ati#" it% 5'"5e/ti6e /u"tme'2
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T%e /'5'ati# %a" time a#d a4ai# made e#dea6'" t 'ea/% ut t t%e /#"ume'">
i#te'a/t it% t%em a#d $ee5 t%em "ati"!ied2 T%e /'5'ati# t'ie" t a/%ie6e it" b&e/ti6e
t%'u4% a #umbe' ! mea#"0
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C#"ume' Cmmu#i/ati#:
T%e %a'm#iu" 'e(ati#"%i5 t%at METLIFE %a"> t%'u4% t%e yea'" > bui(t a#d mai#tai#ed
it% it" /u"tme'" %a" #(y bee# 5""ib(e due t it" dedi/ated a#d /mmitted team !
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8ress Conferences<
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i#t'du/ti# ! #e "/%eme"> et/2 Audi03i"ua( Cmmu#i/ati#
78
Te(e6i"i# a#d Radi b'ad/a"t" a'e a ba"i/ medium ! /#"ume' /mmu#i/ati#
Te(e6i"i# a#d Radi ad6e'ti"i#4
T%e /'5'ati#" ad6e'ti"eme#t" 'ea/%ed #ea'(y + /''e 5e5(e t%'u4% 6e' )
/am5ai4#"2 T%e'e e'e -. %u'" ! T3 ad6e'ti"i#4 a#d )K %u'" ! Radi ad6e'ti"i#42
Trans9s.ides:
T%e C'5'ati# %a" 5(a/ed t'a#"0"(ide" at "t'ate4i/ 5(a/e"> (i$e Rai(ay Stati#" a#d
Ai'5't"> !' ma=imum e=5"u'e t 5ub(i/ at (a'4e2 P'i#ted Cmmu#i/ati#2 At METLIFE
5'i#ted /mmu#i/ati#" a'e u"ed i# /#&u#/ti#
# it% 'a( /mmu#i/ati# media2
8ress Re.ease <
P'e"" 'e(ea"e" a'e !'e@ue#t(y %a#ded ut t t%e media by t%e (/a( PR de5a'tme#t #
be%a(! ! t%e /m5a#y2 T%e"e 4e#e'a((y /m5'i"e ! a#y "ub&e/t ' i""ue /#/e'#i#4 t%e
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/m5a#y> /#tai#i#4 i#!'mati# !' 5(i/y %(de'" ' a#y item ! #e" 6a(ue t t%e
media a#d it" 'eade'"2
5ourna.s and 8u-.ications<
T%e /'5'ati# ta$e" ut it" a##ua( '$i#4 'e"u(t" a#d "e6e'a( t%e' 5ub(i/ati#" !'m
time t time t $ee5 t%e 5ub(i/ ab'ea"t ! t%e %a55e#i#4" a#d a/%ie6eme#t" at
METLIFE2
Financia. Resu.ts<
T%e a##ua( !i#a#/ia( 'e5't ! t%e /'5'ati# i" 5ub(i"%ed i# t%e Nati#a( dai(ie" a#d i"
a(" /i'/u(ated am#4"t t%e "%a'e%(de'" t $ee5 t%em i#!'med2 It a(" aim" at att'a/ti#4
#e i#6e"t'"2
78
$oo!.etsA $roc"ures and 8amp".ets<
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e=te'#a( 5ub(i/ abut it" 6a'iu" #e "/%eme" a#d a/t a" a# e!!e/ti6e medium ! 5'i#t
/mmu#i/ati#2
8osters and Hoardin;s<
T%e"e t(" a'e #t #(y a# ad6e'ti"i#4 medium but a(" a 6e'y e!!e/ti6e PR t(2
METLIFE u"e" 5"te'" a#d %a'di#4" t 4et @ui/$ 5ub(i/ #ti/e2 P"te'" a#d %a'di#4"
a'e ide(y 5(a/ed t%'u4%ut t%e /ity at bu"y i#te'"e/ti#" (i$e "ubay"> 'ai(ay "tati#">
'ad"ide"> bu" "%e(te'"> et/2 Ot%e' Ame#itie" P'6ided by METLIFE
1e-site<
T%e C'5'ati#" eb"ite 2met(i!e2/2i# 4i6e" i#!'mati# abut t%e /'5'ati#"
5'du/t"> "e'6i/e"> "ub"idia'ie" a#d add'e""e" ! b'a#/%e" a#d abut 5'emium 5ayme#t
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t%'u4% t%e i#te'#et2 It a(" 5'6ide" P'e"" 'e(ea"e"> Ne" "e/ti#"> O#(i#e 5(i/y "tatu"
O#(i#e P'emium Payme#t2
METLIFE %a" tied u5 it% ARNATAA Ba#$> DHANALASHMI Ba#$> J Ba#$>
a#d "e'6i/e 5'6ide'" (i$e Bi(( Ju#/ti#2/m> time"!m#ey2/m t !!e' t%e #(i#e
5'emium 5ayme#t !a/i(ity t it" /u"tme'" i# "e(e/t /itie"2
Information /ios!s<
T%e /'5'ati# %a" i#"ta((ed #(i#e i#!'mati# $i"$" at 5'mi#e#t 5(a/e" a/'"" t%e
/u#t'y2 T%i" 5'6ide" i#!'mati# abut t%e P'du/t"> "e'6i/e" a#d 5(i/y "tatu" 'e5't" t
t%e /u"tme'"2
Customer Contact 8ro;ramme<
T%e 5u'5"e ! "u/% a /am5ai4# i" Qt "t'e#4t%e# t%e 'e(ati#"%i5 it% t%e /u"tme'"
a#d t bui(d b'id4e" ! u#de'"ta#di#4 FINANCIAL RELATIONS
78
T%e'e a'e @uite a !e !i#a#/ia( 5ub(i/" ! METLIFE2
*8 G6e'#me#t A4e#/ie"
+8 Ba#$" a#d Fi#a#/ia( I#"tituti#"
8 Statut'y Bdie" e242 IRDA 7I#"u'a#/e Re4u(at'y a#d De6e(5me#t Aut%'ity8
8 Audit'"
T /mmu#i/ate it% t%em a#d t $ee5 t%em i#!'med ! t%e /m5a#y" 5'4'e""
"e6e'a( a/ti6itie" a'e u#de'ta$e# by t%e PR De5a'tme#t2 T%e A##ua( Ge#e'a( Meeti#4> T%e
A##ua( Re5't> T%e a##ua( 'e5't i" 'e(ea"ed a##ua((y t i#!'m a(( 5ub(i/" ! t%e
/m5a#y" '$i#4 'e"u(t"2
Community Re.ations<
METLIFE 'e4u(a'(y 5'6ide" QHea(t% 6a#" t 6a'iu" '4a#iati#" a/'"" t%e /u#t'y2
T%e /'5'ati# a(" "5#"'" ma#y "5't" e6e#t" at t%e #ati#a( (e6e(2 Nume'u"
5ub(i/ity 5'&e/t" it% a "/ia( 5u'5"e a'e u#de'ta$e# at t%e #a( (e6e(2 Re/e#t(y t%e
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N't% #e7De(%i8 a""/iated it"e(! it% t%e QPe'!e/t Hea(t% Me(a t 5'5a4ate t%e
/au"e ! 4d %ea(t%2
Mar!etin; Strate;ies of HDFC STDRD LIFE Co3 Ltd
It a" time %e# t%e ma'$eti#4 team a" t%i#$i#4 abut a# ad6e'ti"i#4 /am5ai4#> a(m"t
e6e'y#e> i#/(udi#4 t%e /m5a#y" ba'd> 5%05%ed t%e idea2 At t%at time 5e5(e
t%u4%t Cm5a#y i" a"ti#4 m#ey2 But HDFC di"/a'ded t%i" ;!ea' ty5i/a((y u"ed !'
%a$i#4 i#"u'a#/e> /%"i#4 i#"tead a %a55y 5(at!'m t /#6ey a m'e 5"iti6e
me""a4e2 E6e# tday a!te' it %a" '((ed ut " ma#y /am5ai4#"> HDFC 'emai#" am#4
t%e t5 ad6e'ti"e'": ad "5e#d"> a" a 5e'/e#ta4e ! #e bu"i#e"" 5'emium> 'a#4e betee#
)2 5e' /e#t a#d )2- 5e' /e#t2
7,8
T"e Tar;et audience:
Re5'e"e#ti#4 a# idea( mi= ! medium t %i4% #et 't% i#di6idua(": T%e /#"ume'" m"t
di"5"ed ta'd" buyi#4 (i!e i#"u'a#/e2 Midd(e0a4ed 5'!e""i#a("> 5'ima'i(y ma(e> "a(a'ied
a#d "e(! em5(yed> a4e 4'u5: +K 0 yea'"> %u"e%(d i#/me: R"2+)> ))) a#d ab6e2
Creative Strate;y:
T%e e""e#/e ! t%e /'eati6e "t'ate4y: T 4et t%e /#"ume' t 'e ($ at I#"u'a#/e a" a
mea#" t (ead a ''y !'ee (i!e a#d #t a" a #e/e""a'y e6i(2 W%e# HDFC STANDARD
Li!e I#"u'a#/e !i'"t be4a# 5e'ati#"> t%e ta"$ a" t 5'e"e#t t%e 6i"iti#4 /a'd ! t%e
/m5a#y t t%e 5ub(i/ at (a'4e a#d bui(d /'edibi(ity a#d "tatu'e a#d t 4i6e t%e
/#"ume' t%e /#!ide#/e t%at %e'e a" a /m5a#y t%at /u(d be t'u"ted t i#6e"t !u#d"
it%2 T%i" 'e@ui'ed a /'5'ate /am5ai4#> %i/% "ta'ted it% ad6e'ti"i#4 t e"tab(i"% t%e
b'a#d> bui(d aa'e#e"" a#d 4i6e t%e b'a#d a (a'4e' t%a# (i!e ima4e2 T t%i" e!!e/t t%e
/'e b'a#d i#"i4%t %i4%(i4%ted a" A" %ead ! t%e !ami(y it" my 'e"5#"ibi(ity t ta$e
/a'e ! my (6ed #e" a#d 5'te/t t%em !'m t%e u#/e'tai#tie" ! (i!e> "ummed u5 i#
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t%e ad6e'ti"i#4 idea: SR 7TH /R 5I40G2 HDFC a" 5"iti#ed a" a# e#ab(e' !
5'te/ti# 'e(e6a#t t t%e #eed" ! t%e (i!e "ta4e t%at yu a'e i#2 O6e' t%e (a"t !e
m#t%"> HDFC STANDARD LIFE %a" bee# ad6e'ti"i#4 i# utd'> T3 a#d 5'e""2 T%e
/m5a#y (au#/%ed a /'5'ate te(e6i"i# /am5ai4# Saat P%e'e %i/% t$ t%e emti#"
a#d t%u4%t" ! i#itia( Si#d' /'5'ate !i(m a !e "te5" !u't%e'2 T%e !i(m %i4%(i4%t" t%e
"t'e#4t% ! 5'mi"e" t%at a %u"ba#d ma$e" t %i" i!e> t%'u4% t%e de5i/ti# ! e6e'yday
"ituati#"> a#d t%e# 4e" # t em5%a"ie t%at HDFC STANDARD i(( "ta#d by t%e
%u"ba#d t %e(5 %im !u(!i(( a(( t%e"e 5'mi"e"2 T%e T3 /am5ai4# %a" a(" bee# e=te#ded
t utd'2 T%e /m5a#y %a" a(" u#de'ta$e# 5'e"" a#d i#te'#et /am5ai4#" t i#!'m
/u"tme'" abut be#e!it" ! "me ! it" 5'du/t"> 5a'ti/u(a'(y 'eti'eme#t "(uti#"> t%'u4%
t%e Chintamani campaign’ 3
7-8
O#/e t%e /'5'ate ima4e a#d b'a#d ide#tity e'e e"tab(i"%ed> a#d a" t%e /m5a#y
e=5a#ded a#d it" 5'du/t 'a#4e 4'e> t%e #e=t 5%a"e ! /mmu#i/ati# a" t 4i6e t%e
/#"ume' a 'ati#a( a#d ta#4ib(e 'ea"# t buy !i'"t ! a(( i#"u'a#/e a#d "e/#d(y !'m
Li!e2 T%i" a" ta/$(ed t%'u4% 5'du/t0"5e/i!i/ ad6e'ti"i#4> "u/% a" !' HDFC
STANDARD LIFE Sma't id> 'eti'eme#t "(uti#" ' Li!etime2
T"e Creative eecution<
T"rou;" te.evision c"anne.s: Bui(di#4 ima4e a#d /'eati#4 a di!!e'e#tia( i# t%e m"t
/'eati6e a#d /m5e((i#4 ma##e'2 T%e /'eati6e e=e/uti# %ei4%te#ed t%e emti#a( /##e/t
it% t%e HDFC STANDARD LIFE b'a#d0 I#dia# "ati"!a/ti# ! $#i#4 t%at #e" (6ed
#e" a'e 5'te/ted2 Symb(i/ 'e5'e"e#tati# ! t%e 5'te/t' ! t%e !ami(y t%'u4%
"ituati#" "%/a"i#4 6a'iu" (i!e "ta4e" a#d /'eati#4 e#dea'i#4 ima4e'y ! 5'te/ti# a#d
!ami(ia( b#di#42
8ress< Ga6e t%e /#"ume' a 'ati#a( a#d ta#4ib(e 'ea"# t buy i#"u'a#/e !i'"t a#d
"e/#d(y !'m HDFC STANDARD LIFE2 T%e 5'du/t "5e/i!i/ ad6e'ti"i#4 !/u""ed #
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/%a#4i#4 t%e 5'e6a(e#t 5e'/e5ti# abut i#"u'a#/e a#d b'ea$i#4 a !e myt%": ##0
a!!'dabi(ity> i#"u'a#/e #t bei#4 4d i#6e"tme#t 5ti# a#d t%e myt% t%at i#"u'a#/e a"
4d #(y !' ta= "a6i#42 A!te' t%e %u4e(y "u//e""!u( C%i#tama#i 7'eti'eme#t8 a#d Saat
P%e'e 7/'5'ate8 /am5ai4#"> HDFC Sta#da'd Li!e I#"u'a#/e a(" i#t'du/ed "me
i##6ati#" i# t%e /ate4'y> "u/% a": %a6i#4 a ta= 5(a##e' by t%e #ame ! C%i#tama#i #
'adi> % u(d a#"e' /#"ume'" @ue'ie" abut t%e '(e ! i#"u'a#/e i# !i#a#/ia(
5(a##i#42
0t"er Communications<
Ot%e' 5'4'am" i#/(uded di'e/t mai(> PR ! /mmu#i/ati#" /am5ai4# i# 5'e"" T3>
eb"ite ma'$eti#4 a#d databa"e 4e#e'ati# t%'u4% Ba#/a""u'a#/e /%a##e("2 Ot%e'
i#itiati6e" i#/(uded tie0u5 it% t%e Dabbaa((a O'4a#iati# i# Mumbai !' a di'e/t
ma'$eti#4 e=e'/i"e> t ta($ t t%e /u"tme' t%'u4% a ##0/(utte'ed 'ute> a#d t%e'eby
%a6e a %i4%e' im5a/t2 7K8
T%e di'e/t mai(e' a" abut HDFC STANDARD LIFE 'eti'eme#t "(uti#" a#d t%e ta=
be#e!it" t%at #e /a# a6ai( ! buy i#6e"ti#4 i# a#y ! t%e"e2 Abut *))>))) di'e/t
mai(e'" e'e atta/%ed t t%e Qdabba"> i# a'ea" "u/% a" C%u'/%4ate> Ba#d'a a#d A#d%e'i
%e'e t%e'e a'e m"t(y !!i/e04e'"2 HDFC STANDARD Li!e I#"u'a#/e %a" a("
a##u#/ed a "t'ate4i/ di"t'ibuti# tie0u5 it% Ha'iya(i i"aa# Baaa'> t%e 'u'a( bu"i#e""
a'm ! DCM S%'i'am C#"(idated Ltd 7DSCL82 A" a 5a't#e'> Ha'iya(i i"aa# Baaa' /a#
# di"t'ibute HDFC Sta#da'd" 5'te/ti#> ea(t% /'eati#> 'eti'eme#t "(uti#" a#d %ea(t%
i#"u'a#/e 5'du/t" t /u"tme'" a/'"" t%e it" 4'i#4 #umbe' ! 'u'a( bu"i#e"" %ub" i#
t%e /u#t'y2
I# additi# t ad6e'ti"i#4> t%e /m5a#y %a" a(" i#itiated "e6e'a( a/ti6itie" t 'ai"e
/#"ume' aa'e#e"" abut (i!e i#"u'a#/e a#d HDFC STANDARD LIFE2 ;It i#/(ude"
"emi#a'" HDFC STANDARD LIFE 'e4u(a'(y %(d" /#"ume' aa'e#e"" meet" # Qt%e
#eed !' 'eti'eme#t 5(a##i#4 i# di!!e'e#t /itie" "u/% a" Pu#e> Au'a#4abad> Cimbat'e>
Na45u'> Ba#4a('e a#d Ma#4a('e2 T%e"e a'e 6e'y e(( atte#ded a#d %a6e /#t'ibuted
"i4#i!i/a#t(y ta'd" i#/'ea"i#4 aa'e#e"" abut t%e /ate4'y a#d t%e /m5a#y2 A5a't
!'m t%i"> /m5a#y a(" e#te'ed i#t a((ia#/e" it% te(e/m /m5a#ie"> a" e(( a"
/m5a#ie" (i$e BPCL a#d Dmi#"2
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METLIFE 2S HDFC STDRD LIFE
Comparison and na.ysis9
Wit% 5'i6ate 5(aye'" 5ayi#4 mu/% atte#ti# t ad6e'ti"i#4 a#d 5'mti#a( a/ti6itie">
METLIFE> t> a" !'/ed t ma$e e!!'t" t i#/'ea"e it" 6i"ibi(ity a#d e#%a#/e it" b'a#d
ima4e2 T%e /m5a#y /mme#/ed i#te#"e> "y"temati/ a#d e((0!/u"ed 5ub(i/ 'e(ati#" a#d
5ub(i/ity a/ti6itie" bt% at t%e /'5'ate a#d 5e'ati#a( (e6e("2
METLIFE u55ed it" ad "5e#d t ta/$(e /m5etiti# a#d "u//eeded i# !'4i#4 ay a%ead2
METLIFE %a" ad6e'ti"ed i# "ate((ite /%a##e(" a" e(( a" te''e"t'ia( /%a##e("2 METLIFE
%a" t 'ea/% ut t ##0'e"ide#t I#dia 5(i/y %(de'" a" e(( a" it" t%e' /'5'ate
/u"tme'" % a'e ba"ed ab'ad2 HDFC STANDARD LIFE %a" ad6e'ti"ed # "e6e'a(
/%a##e(" !'m t%e Sta' T3 bu@uet> ee Net'$ a#d S#y2
T%e /m5a#y %a6e "5e#t abut R" ) mi((i# # T3 ad6e'ti"i#4 (a"t yea'2 Wit% t%e
4e4'a5%i/a( e=5a#"i#> T3 be/ame a 6iab(e medium a#d t%e /'5'ate /am5ai4# !'
HDFC STANDARD LIFE a" 'u# # T3> be/au"e t%e medium (e#d" it"e(! e(( t a#
emti#a( ty5e ! !i(m" t%at "t'i$e a /%'d it% t%e audie#/e2 P'du/t ad6e'ti"i#4> %i/%
#eed" t im5a't i#!'mati#> a" (a'4e(y d#e t%'u4% 5'i#t a#d utd' /%a##e("> a"
t%e"e a'e a55'5'iate !' 'ati#a( ty5e ! me""a4e"> HDFC STANDARD LIFE I#"u'a#/e
/am5ai4# a" "%'t0(i"ted a" #e ! t%e *+ m"t e!!e/ti6e /am5ai4#" !' t%e yea' +))*
i# t%e EFFIE aa'd"2 A//'di#4 t a# ORG MARG "tudy> t%e HDFC STANDARD LIFE
b'a#d #ame a#d ad6e'ti"i#4 %ad t%e %i4%e"t 'e/a(( am#4"t a(( 5'i6ate 5(aye'"> a#d a"
#(y ma'4i#a((y be%i#d METLIFE2
HDFC STANDARD LIFE a" aa'ded t%e IND9" Aa'd !' E=/e((e#/e i# Ma""
Cmmu#i/ati# i# t%e /ate4'y ! M"t C'eati6e Ad6e'ti"eme#t0Te(e6i"i#2
Strate;ies dopted $y METLIFE
METLIFE "ta'ted i#te#"e > "y"temati/ e(( !/u"ed 5ub(i/ 'e(ati# a#d
5ub(i/ity a/ti6itie" bt% at t%e /'5'ate a#d 5e'ati#a( (e6e("2
METLIFE u55ed it" ad "5e#d t ta/$(e /m5etiti#2
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METLIFE %a" (au#/%ed it" SATELLITE SAMPAR !!i/e"2
METLIFE %a" e"tab(i"%ed "tate ! a't ma/%i#e'y2
Strate;ies adopted -y HDFC STDRD LIFE
• HDFC STANDARD LIFE (au#/%ed t%e QT'uLi!e C(ub !' it" %i4%06a(ue 5(i/y%(de'" a"
5a't ! it" ma'$eti#4 "t'ate4y2
• It" 8ra;ati /i no!"i 8aat"saa.a ' 8/82 PAP aim" t b'i#4 ut t%e i#%e'e#t
/'eati6e "$i((" am#4"t /%i(d'e#2
• HDFC STANDARD LIFE %a" a(" 5a't#e'ed it% e046e'#a#/e $i"$" i# A#d%'a
P'ade"% 0 a5#(i#e2/m a#d Ra&a"t%a# 0 emit'a2/m> t e#ab(e /#"ume'" 'e#e t%ei'
5(i/ie" i# t%ei' $i"$"2 7)8
Findin;s
W%e'ea" MetLi!e 6i"i# i" t %e(5 em5(ye'" a#d em5(yee" "e(e/t t%e 'i4%t mi= ! (i!e
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t bui(di#4 !i#a#/ia( !'eedm2
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!' i#"u'a#/e i# I#dia2
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ta"$ t "e/u'e a 4d 5"iti# i# ma'$et2
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ea"y !' t%em t 5e#et'ate i#t t%e ma'$et a#d "e/u'e a 4d 5"iti# i! t%ey 5ay
4'eate' atte#ti# t t%e "e'6i/e 5a't 5'6ided t t%ei' /u"tme' a#d t%e'eby !'mi#4 a
(#4 a#d t'u"ted 'e(ati#"%i52
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5(i/y ut ! %i/% K-2 ! t%e /u"tme' a'e 5(a##i#4 !' #e i#6e"tme#t"2 S it /a#
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be a 4d 5te#tia( !' t%e /m5a#y a#d t%ey "%u(d ma$e a# attem5t t t'a5 t%e"e
/u"tme'"2
3 A" ! t%e /u"tme'" a'e e6e# 'eady t 4 !' i#"u'a#/e i! a "e'6i/e 5'6ide'
aay !'m t%ei' /ity i" 5'6idi#4 it2 But i# tu'# t%ey "%u(d 5'6ide 4d 5'du/t" a#d
"e'6i/e"2 T%e /m5a#y "%u(d t'y t /#6i#/e t%e"e /u"tme'" a#d 4et t%em i# it" !a6'2
,2 Ma#y 5e5(e %a6e a i#"u'a#/e 5(i/y it " t%at t%ey a'e aa'e it% it a#d t%i#$ t%at
it i" " im5a'tme#t t%e 5e5(e2
7*8
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/((e/ti# i" abut + ! GDP 4'i#4 betee# * a#d +) 5e' a##um2 I#dia a(" %a"
t%e %i4%e"t #umbe' ! i#"u'a#/e 5(i/ie" i# !'/e i# t%e '(d a#d t%e tta( i#6e"tib(e
!u#d" it% LIC a(#e a'e a(m"t K ! GDP2
9et> m'e t%a# t%'ee0!u't% ! I#dia" i#"u'ab(e 55u(ati# %a" # (i!e i#"u'a#/e /6e' 2
C#"ide'i#4 t%at #(y abut , mi((i# ut ! +) mi((i# 5e5(e a'e /6e'ed by (i!e
i#"u'a#/e> t%e 5te#tia( i" @uite e6ide#t2
I t'ied a#d a#a(ye t%e be#e!it t%at 4etti#4 t t%e !i#a( /u"tme' /6e'i#4 u#de' t%e I#"u'a#/e
a#d be/au"e 6a'iu" ty5e" ! 5(i/ie" a#d i#"t'ume#t" a'e /mi#4 u5 i# t%e ma'$et t att'a/t
m'e /u"tme'"2 M"t ! t%e 55u(ati# ! I#dia i" #t i#"u'ed> %e#/e t%e'e i" a (t !
"/5e i# t%i" "e/t' a#d a #umbe' ! /m5a#ie" a'e 5(a##i#4 t e#te' t%e "e/t'2 E6e'y
!utu'i"ti/ i#di6idua( u(d a#t %im"e(! t 4et i#"u'ed2
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7+8
ITER8RETTI0 0F RES7LT
*2 P(ea"e me#ti# t%e #ame ! t%e i#"u'a#/e /m5a#y t%'u4% %i/% ma=imum t%'u4% yu
(i$e t /6e' yu' (i!e
Cate4'y N ! Re"5#de#t
HDFC Sta#da'd (i!e K
BIRLAS *
LIC *)
TPA K
Ot%e'" ,
Met (i!e ,
ICICI P'ude#tia( **
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F'm %e'e it% t%i" @ue"ti# e a'e t'yi#4 t a#a(ye t%at bu"i#e"" 55'tu#ity ! bt% t%e
/m5a#y i2e2 HDFC "ta#da'd (i!e a#d Met (i!e i# /u''e#t "/e#a'i ' ma'$et a#d %at 5e'/e#ta4e
! ma'$et t%ey a'e /6e'i#4 'i4%t #2
F'm u' "u'6ey it i" /(ea'(y me#ti#ed t%at ma'$et (eade' i#"u'a#/e /m5a#y i" ICICI
P'ude#tia( %e'ea" ** 5e5(e ut ! ) 'e"5#de#t %a6i#4 i#"u'a#/e !'m ICICI a(" LIC u(d
be /me i# "e/#d 5(a/e %e'e a" *) 'e"5#de#t a'e ta$e# i#"u'a#/e !'m t%e /m5a#y ! LIC2
N !' t%e t%i'd a#d !u't% "(t t%e bi4 !i4%t i" betee# Met Li!e %e'e t%i" /m5a#y ta$e" a
"%a'e ! K 5e5(e ut ! ) a#d t%e HDFC "ta#da'd (i!e %i/% i" 'e##ed b'a#d due t it"
ma'$et %a" , 5e5(e i# !a6' ! ut ! )2
+2 P(ea"e me#ti# t%e ty5e ! i#"u'a#/e 5(i/y yu a'e /6e'ed u#de'
I#di6idua( )
C'5'ate +)
He'e a'e #e m'e /(ue t%at i(( 'ea/% HDFC Met (i!e 5(a# t (au#/% i#"u'a#/e HDFC Met
(i!e "e'6i/e" i# I#dia ,) 5e5(e 'e"5#ded t%at t%ey %a6e i#di6idua( i#"u'a#/e 5(i/y %i(e
) 5e5(e "ti(( it% /'5'ate "ide2 78
Re/mme#dati# !' HDFC Met (i!e t%at t%at ,) 5e5(e a#t m'e a#d m'e "e'6i/e !'m
t%e i#"u'a#/e /m5a#y a#d i# /mi#4 day" 5e5(e a#t %ae( !'ee (i!e i! "mebdy te(( %im 5ay
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!' t%at t%ey a'e 'eady t 5ay 'ea"#ab(e amu#t !' t%e bette' a#d e!!e/ti6e "e'6i/e2 Wit% t%e
"ame 5'du/t 5't!(i i(( i#/'ea"e t%e 5e#et'ati# ! t%e i#"u'a#/e /m5a#y2
2 P(ea"e me#ti# t%e ty5e ! i#"u'a#/e yu a'e /6e'ed u#de'
Cate4'y N ! Re"5#de#t
A//ide#ta( **
Hea(t% *
Li!e +
A#y t%e' +
He'e !'m u' "u'6ey e 4t t $# t%at m'e 'e"5#de#t a'e ta$e# mu(ti5(e ' Li!e i#"u'a#/e
!' ta$i#4 t%em i#"u'ed + 5e5(e ut ) a'e i#"u'ed by t%e (i!e i#"u'a#/e2
78
W%i(e * 5e5(e a'e ta$e# %ea(t% i#"u'a#/e> a#d ** a'e ta$e# a//ide#ta( i#"u'a#/e2
F' 'e/mme#dati# ! HDFC Met (i!e t%ey ta5 (i!e i#"u'a#/e /m5a#y ea"i(y be/au"e t%e (i!e
i#"u'ed 5e5(e ta$e a#y 5(i/y !' (i!e(#4 " t%e HDFC Met (i!e i#6(6ed at (ea"t m'e t%a#
+) y'"> i# !a/t %ea(t% "e'6i/e i" m'e /m5(i/ated #e " HDFC Met (i!e %e(5 /(ie#t t bette'
/u"tme' "e'6i/e 'at%e' t%a# it" /m5etit' i! t%ey i(( ta$e "e'6i/e ! HDFC Met (i!e
2 I" MetLi!e I#"u'a#/e m'e a!!'dab(e t%a# t%e t%e' I#"u'a#/e a6ai(ab(e # yu' #ea'e"t
te(e/m "%5"
St'#4(y A4'ee ,
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St'#4(y Di"a4'ee *)
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T%i" @ue"ti# 4i6e" u" i#"i4%t ! t%e a!!'dabi(ity ! t%e I#"u'a#/e ' "e'6i/e2 Wit% (
di"5"ab(e i#/me"> I#"u'a#/e" #eed t be a!!'dab(e t t%e De(%i /#"ume'> m"t ! % a'e #
dai(y a4e"2 N e /%e/$ %at De(%i /u"tme' a#t !'m t%e /m5a#y i# te'm" ! t%ei'
I#"u'a#/e 5'i/e"2
Out ! ) "am5(e "ie e /#"ide' t /%"e !i'"t "t'#4(y a4'ee 'e"5#de#t % be(ie6e" t%at
HDFC I#"u'a#/e i" a!!'dab(e !' %im?%e' + 'e"5#de#t ut ! ) "ay" HDFC I#"u'a#/e i"
a!!'dab(e i# /m5a'ati6e ! t%e' /m5etit'2 W%i(e a'e #(y a4'ee it% t%i" "tateme#t t%at
HDFC %a" mu/% a!!'dab(e 5'i/e ! t%ei' 'e"5e/ti6e I#"u'a#/e2 N m6i#4 a%ead +K
'e"5#de#t a'e "ti(( #t a4'ee ' "t'#4(y di"a4'ee it% t%i" @ue"ti# t%ey t%u4%t Met (i!e
I#"u'a#/e" a'e mu/% /"t(ie' t%a# t%e t%e' mbi(e "e'6i/e 5'6ide' /m5a#ie" I#"u'a#/e2
* 'e"5#de#t "aid t%ey %a6e mi=ed 6ie abut t%e a!!'dabi(ity t%e"e 5e5(e a'e t%"e %
a'e 'i/%e' i# De(%i 'e4i#2
Re/mme#dati# !' Met (i!e u(d be ta'4et +K 5e5(e a(" t 5'6ide mu/% m'e "/%eme
a#d 5(a# " t%ey /me" u#de' t%e 5ie ! a!!'dab(e 'a#4e2
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7-8
2 T%e 6a'iu" 'a#$" 4i6e# by t%e /u"tme'" abut t%ei' 5e'/e5ti# abut di!!e'e#t 5(aye'" i# t%e
ma'$et:
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ua(ity . - K ,
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5'du/t 5't!(i It i" e6ide#t t%at Met (i!e %a" t im5'6e (t # t%ei' 5'du/t 5't!(i " t%at
met (i!e I#"u'a#/e i" %a6i#4 'i"e" it" (e' #umbe' #e due t it" t mai# att'ibute" it i" #t
ea"y a6ai(abi(ity a#d /%ea5 5'i/e2
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%e(5" t%e 5ub(i/ $# abut t%e e=i"te#/e ! t%e 5'du/t" a#d t%e '(e> %i/% t%ey 5(ay i# t%e
(i6e" ! t%e 5e5(e2 MetLi!e be(ie6e" i# "t'#4 et%i/" a#d be(ie6e" t%at a/ti#" "5ea$ m'e t%a#
'd" a#d " a#t it" '$ t 5'6e !' it"e(! a#d " de"#t be(ie6e i# ad6e'ti"i#4 a#d
5ub(i/ii#4 it"e(! but i# t%e I#dia# /#te=t it i" a mu"t !' a#y /m5a#y t 5ub(i/ie it"e(!
be/au"e it %(d" t%e be"t medium t 'ea/% t it" /u"tme'" a#d a(" t i#/'ea"e it" /u"tme' ba"e2
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de4'ee 6ie ! t%ei' /u"tme'2 CRM %a" %e(5ed /u"tme'" t%'u4% e!!e/ti6e e6e#t0ba"ed
ma'$eti#4 a#d (ead t'a/$i#4 t /'""0 a#d u50"e(( 5'du/t"2 CRM %e(5" /ate4'i"e a#d "e4me#t
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met'" a#d i# /e'tai# bi4 /itie"2 I# 'de' t e=5a#d it" 5"iti# a#d t 'ea/% t it" /u"tme'"
%at MetLi!e #eed" i" t "et0u5 it" b'a#/%e" i# m'e /itie" a#d "%u(d a(" 4et i#t t%e 'u'a(
a'ea" %e'e t%e'e i" a %u4e u#ta55ed ma'$et2 A" MetLi!e a('eady %a" a ide 4(ba( "et
u5 it /a# ea"i(y e=5a#d i# I#dia a(" i# 'de' t 'ea/% t t%e /u"tme'" a#d be a6ai(ab(e at
t%ei' d' "te5"2
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7.8
2 Stron; tie9ups >it" >e.. !no>n and a.ready esta-.is"ed companies or -an!s N Tie0
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ba#$ t%e a'#ata$a ba#$> %i/% i# it"e(! a'e #t " /mm# it% t%e 4e#e'a( ma""> ma$e" it
di!!i/u(t !' MetLi!e t 4et it"e(! 5(a/ed i# t%e I#dia# ma'$et2 F' 6e'/mi#4 t%e "ame
MetLi!e /a# 4 !' !u't%e' me'4e'" a#d a/@ui"iti#" it% "t'#4 ba#$" %i/% u(d %e(5
it 4'> !' e=am5(e> it a##u#/ed it" i#te#ti# t 5u'/%a"e Citi4'u5" T'a6e(e'" Li!e
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C0CL7SI0
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%i/% /a# be "ee# i# t%e ab6e a#a(y"i"2 A 4e#e'a( im5'e""i# t%at I 4at%e'ed du'i#4
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bee# "u//e""!u( t att'a/t 5ub(i/ m#ey i# 'e/e#t time"2
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'e@ui'e" im5'6eme#t2 But t%e'ei# (ie" t%e 55'tu#ity !' a 'e(ati6e 5(aye' (i$e MetLife
India Insurance Co3 Ltd3 LIC %a" #e6e' bee# $## !' 5'm5t "e'6i/e ' /u"tme'
'ie#ted2
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I# my 6ie > /m5a#y "%u(d !/u" 'at%e' m'e # t%e"e i""ue" t i# t%e ma'$et:
➢ E=5a#"i# ! Cu"tme' ba"e
➢ Im5'6eme#t i# ua(ity ! t%e Se'6i/e"
➢ I#/'ea"ed Cu"tme' Sati"!a/ti#
➢ C#"i"te#t Bu"i#e"" G't%
➢ I#/'ea"e i# P'!itabi(ity
➢ Retai#i#4 T%e Cu"tme'
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➢ De6e(5 t%e Fi#a#/ia( Ad6i"'" "$i(("
➢ Gi6e t%e 55'tu#itie" t%em i# t%e '4a#iati#
➢ M'e Ad6e'ti"i#4
LIMITTI0S
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$I$LI0%R8H4: REFERECES
Bu"i#e"" Tday2 T%e M#it'y G'u5 Study # I#"u'a#/e I a#d II2 Ma'/% ++ a#d
A5'i( -> +)**2
uma'i> 3a"ati> I#dia I#"u'e'" See$ Pe'!e/t Pa't#e'"2 Nati#a( U#de''ite'"> Ma'/% >
+)*)> K0.2
Ry> Ab%i&it2 Pe#"i# !u#d bu"i#e"" i# I#dia2 T%e Hi#du> Ju(y *,> +)).> 52 +2
Ry> Samit2 I#"u'a#/e Se/t': I#dia2 I#du"t'y Se/t' A#a(y"i"> Nati#a( T'ade a#d
De6e(5me#t Ba'd> US De5a'tme#t ! State> Wa"%i#4t#> DC> De/embe' +)).2
Si4ma2 W'(d I#"u'a#/e i# *...2 N2 .?+)))2 Pub(i"%ed by Si""Re2 A6ai(ab(e at
2"i""'e2/m2
Ma'$eti#4 Ma#a4eme#t II by P%i(i5 t(e'> 52,2
%tt5:??%d!/"ta#da'd(i!e2/2i#
%tt5:??met(i!ei#dia2/2i#
%tt5:??"/'ibd2/m
%tt5:??IRDA2i#
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E67RE
O7ESTI0IRE
WHAT IS 9OUR NAME VVVVVVVVVVVV
WHAT IS 9OUR AGE VVVVVVVVVVVV
9OUR EMAIL ID VVVVVVVVVVVV
9OUR PHONE NUMBER VVVVVVVVVVVV
*2 W%at i" yu' @ua(i!i/ati#
a8 Hi4% S/%( b8 I#te'mediate
/8 G'aduati# d8t%e' 75(ea"e "5e/i!y8
+2 A//'di#4 t yu %i/% i" t%e be"t !'m ! i#6e"tme#t
a8 Fi=ed A""et" b8 Ba#$ De5"it"
/8 Jee((e'y d8 Se/u'itie"> i2e b#d"> m!" et/
e8 S%a'e" !8 I#"u'a#/e
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a89e" b8N
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t%'u4% yu (i$e t /6e' yu' (i!e2
a8 LIC b8 HDFC d8 MetLi!e
e8 ICICI PRUDENTIAL !8Ot%e' 7"5e/i!y8
2 P(ea"e me#ti# t%e ty5e ! i#"u'a#/e 5(i/y yu a'e /6e'ed u#de'
a8 I#di6idua( b8C'5'ate
,2 P(ea"e me#ti# t%e ty5e ! i#"u'a#/e yu a'e /6e'ed u#de'
a8A//ide#ta( b8Hea(t%
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/8Li!e d8A#y t%e'7S5e/i!y8
-2 A'e yu "ati"!ied it% t%e 5(i/y
a8 Sati"!ied b8 Nt "ati"!ied
K2 W%at" yu' 5e'/e5ti# abut i#"u'a#/e
a8 A "a6i#4 t( b8 A ta= "a6i#4 de6i/e
/8 A !utu'e 5'te/ti# t( d8A#y t%e'
.2 W%at u(d yu ($ !' i# a# i#"u'a#/e /m5a#y
a8 A t'u"ted #ame b8 F'ie#d(y "e'6i/e a#d 'e"5#"i6e#e""
/8 Gd 5(a#" d8 A//e""ibi(ity
*)2 W%m u(d yu /#"u(t be!'e ma$i#4 a# i#6e"tme#t :
a8Ba#$e' b8C%a'te'ed a//u#ta#t
/8I#6e"tme#t /#"u(ta#t d8a#y t%e'
**2 I" MetLi!e I#"u'a#/e m'e a!!'dab(e t%a# t%e t%e' I#"u'a#/e a6ai(ab(e # yu'
#ea'e"t te(e/m "%5"
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5(aye'" i# t%e ma'$et:
Att'ibute" B'a#d" ICICI HDFC Met (i!e Ot%e'"
C%ea5
Ea"y A6ai(abi(ity