project birla sun life insurance

7/30/2019 Project Birla Sun Life Insurance

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Project Report on Business Opportunity

With

Sun Institute Of Management &

Technology, Shahjahanpur

Submitted to: Submitted by:

Badar Hasan KhanBBA- VIth Semester

PREFACE


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The student of Management only with theoretical Knowledge is just like a wandering ship

in the ocean without a compass the exposure to the real market scenario gives him the base

practical experience which serves him as a compass in the directionless ship this enables

the ship to reach its destination against all odds .Form all its rivals.,I got an opportunity to

do my summer training at Birla Sun life Insurance Limited an Aditya Birla Group Company

one of the largest private Business houses .The duration of my training was 6 weeks the

very first day when Joined Birla I was in a new world knowing nothing about it but the

passage of Time one could eventually know, what activities going round him and with what

Purpose I could adjust myself in that environment due to the Kind co-operation of People

working there during the first there weeks of my training I was in training Cell anddifferent department of the firm when we are made aware of Recruitment & Development

Process and last there weeks I was placed in the marketing department with a project title

BUSINESS OPPORTUNITY WITH BSLI

Initially I feel that all What is taught in the classroom no relevance in the industry today the

management gives us all the fundamental concepts which are applicable in industry but

leaves the individual to work outputs application it is just a matter of modifying the theoryyou know so as to apply it to a given practical situation and there is no best place to learn

this practical side of management other than the industry it self..I do sincerely hope that this

project work will help the BSLI Ltd. Gwalior in formulating its marketing plans I tried my

best to cover up the maximum in the minimum time available even is there is any lacunae, I

regret for that.

Acknowledgement


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I am thankful with heart to Mr. Rahul Kanchan (Managing partner) who gave me a chance to

work in the organization. I am grateful to Mr. Praveen Singh (Branch Head) for his

guidelines. I express my sincere gratitude and indebtedness to my guide Mrs. Ena Gupta

for his invaluable guidance and encouragement throughout the preparation of this project

report. His comments and suggestions have been of immense help to me.

Last but not least I would also like to thanks the Institute Faculty for giving full Co-

Operation without which this project would not have been possible. Due to all these help I

really enjoyed doing my Project and learned a lot.

Badar Hasan Khan


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Table of contents

1) Introduction

2) Company Profile

3) Business Opportunity

4) Details of Product

5) IRDA

6) Objective

7) SWOT Analysis

8) Research Methodology

9) List of Tables

10) List of Graphs

11) Findings and Conclusions

12) Suggestions and Recommendations

13) Bibliography

14) Questionnaire


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List Of Tables

1. Competition Ranking: YTD December 2011

2. BSLI Investment Performance Vs. Peers, Sep 2011

3. BSLI Investment Performance Vs. Benchmark, Sep 2011


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Competition

Ranking: YTD

December

2011


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Copyright Birla Sun Life Insurance Company Limited 2008

Competition Ranking: YTD Dec 2010

4

IndividualLife

MarketShare Rank

GroupBusiness

MarketShare Rank

TotalBusiness

MarketShare Rank Individual Group Total

SBI Life 26,125 7.8% 2 13,404 7.8% 1 39,529 7.8% 1 39% 4% 25%

ICICI Prudential 31,097 9.3% 1 5,283 3.1% 2 36,379 7.2% 2 -15% -28% -17%Bajaj Allianz 19,934 6.0% 3 2,842 1.6% 4 22,776 4.5% 3 -26% 262% -17%Birla Sun Life 15,904 4.8% 6 4,232 2.5% 3 20,136 3.97% 4 -1% 190% 15%

Reliance Life 18,779 5.6% 4 817 0.5% 6 19,596 3.9% 5 -4% 179% -1%HDFC Standard 16,278 4.9% 5 515 0.3% 9 16,793 3.3% 6 -3% 85% -1%

Max New York 11,649 3.5% 7 607 0.4% 8 12,256 2.4% 7 -2% 289% 2%Tata AIG 7,028 2.1% 8 906 0.5% 5 7,934 1.6% 8 18% 57% 22%OM Kotak 5,809 1.7% 10 653 0.4% 7 6,462 1.3% 9 -26% 40% -23%Met Life 5,832 1.7% 9 256 0.1% 11 6,089 1.2% 10 -12% 914% -8%

Aviva 4,233 1.3% 12 280 0.2% 10 4,512 0.9% 11 -8% 89% -5%ING Vysya 4,278 1.3% 11 9 0.0% 17 4,287 0.8% 12 -1% -95% -5%Canara HSBC OBC 4,163 1.2% 13 2 0.0% 18 4,166 0.8% 13 186% 0% 186%Future Generali 2,623 0.8% 14 177 0.1% 13 2,799 0.6% 14 904% 72% 669%Bharti Axa Life 2,350 0.7% 15 18 0.0% 15 2,369 0.5% 15 29% 236% 30%Shriram Life 1,940 0.6% 16 20 0.0% 14 1,959 0.4% 16 29% 0% 30%IDBI Fortis Life 1,652 0.5% 17 0 0.0% 19 1,652 0.3% 17 53% - 53%Star Union Dai-ichi 1,537 0.5% 18 17 0.0% 16 1,553 0.3% 18 0% 0% 0%Aegon Religare 735 0.2% 19 0 0.0% 20 735 0.1% 19 536% - 536%

Sahara Life 451 0.1% 20 198 0.1% 12 649 0.1% 20 -16% 0% 20%India First 195 0.1% 21 0 0.0% 21 195 0.0% 21 - - -DLF Pramerica 191 0.1% 22 0 0.0% 21 191 0.0% 22 3916% - 3916%Total Private Players 182,782 54.6% 30,236 17.5% 213,018 42.0% 0% 22% 3%

LIC 151,868 45.4% 142,385 82.5% 294,253 58.0% 26% 78% 47%Total 334,650 100.0% 172,621 100.0% 507,271 100.0% 10% 65% 24%

Insurers

First Year Premium Details - With 10% single premium credit Y/Y Growth


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BSLIInvestment

Performance

Vs. Peers, Sep

2011


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Absolute

ReturnsRank

Absolute

ReturnsRank

Assure 100% - 1.80% 1 BSLI 18.06% 3 KOTAK

Builder (10 - 20%) 80% - 90% 10% - 20% 4.34% 1 BSLI 24.98% 1 BSLI

Enhancer (20 - 35%) 65% - 80% 20% - 35% 5.65% 1 BSLI 25.18% 1 BSLI

Creator (30 - 50%) 50% - 70% 30% - 50% 10.35% 1 BSLI 44.23% 1 BSLI

Magnifier (50 - 90%) 10% - 50% 50% - 90% 15.23% 4 BAJAJ 31.04% 3 BSLI

Maximiser (100%) 0% - 20% 80% - 100% 17.17% 3 BAJAJ 43.12% 1 BSLI

Money Market 100% - 2.06% 3 KOTAK 17.06% 1 BSLI

Fixed Interest 100% - 2.02% 1 BSLI 29.18% 1 BSLI

Bond 100% - 1.48% 2 BSLI 23.18% 2 BSLI

Secure (10 - 20%) 80% - 90% 10% - 20% 3.59% 4 BAJAJ 25.80% 1 BSLI

Stable (20 - 35%) 65% - 80% 20% - 35% 5.92% 2 BAJAJ 28.38% 1 BSLI

Growth (35 - 50%) 50% - 70% 30% - 50% 8.56% 4 BAJAJ 38.18% 1 BSLI

Growth (10 - 20%) 80% - 90% 10% - 20% 3.99% 1 BSLI 31.83% 1 BSLI

Enrich (20 - 35%) 65% - 80% 20% - 35% 7.14% 1 BSLI 34.40% 1 BSLI

Individual Pension Funds

BSLI Asset

BSLIBest

Performer

3 Months 12 Months

BSLIBest

Performer

FundDebt Equity

Individual Life Funds

Group Funds


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BSLI

InvestmentPerformance

Vs.Benchmark,

Sep 2011


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LIST OF GRAPHS

1.Competition Analysis H1 FY11

2. BSLI Market Share

2.


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Competition

Analysis H1

FY11


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Competition Analysis H1 FY10

Sales & YoY growth Policies & YoY Growth

Premium Mix Distribution Reach

Premium

21,590 34,070 66,169 45,208 21,698 21,981 24,203 10,193

Note: Sales Nos. based on information published by IRDA. Other Parameters. based on information available in public domain


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BSLI MarketShare


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BSLI Market Share

21

3.49%

8.8%

YTD Nov 09


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Life insurance

Life insurance (Life Assurance in British English) is a type ofinsurance. As inall insurance, the insured transfers a risk to the insurer. The insured pays a

premium and receives a policy in exchange. The risk assumed by the insurer is

the risk of death of the insured.

HO W LIFE INSURA NCE WOR KS

There are three parties in a life insurance transaction; the insurer, the insured,and the owner of the policy (policyholder), although the owner and the insured

are often the same person. For example, if John Smith buys a policy on his own

life, he is both the owner and the insured. But if Mary Smith, his wife, buys a

policy on John's life, she is the owner and he is the insured. The owner of the

policy is called the grantee (he or she will be the person who will pay for the

policy). Another important person involved is thebeneficiary. The beneficiaryis the person or persons who will receive the policy proceeds upon the death of

the insured. The beneficiary is not a party to the policy, but is designated by the

owner, who may change the beneficiary unless the policy has an irrevocable

beneficiary designation. With an irrevocable beneficiary, that beneficiary must

agree to changes in beneficiary, policy assignment, or borrowing of cash value.

The policy, like all insurance policies, is a legal contract specifying the terms

and conditions of the risk assumed. Special provisions apply, including a

suicide clause wherein the policy becomes null if the insured commits suicide

within a specified time for the policy date (usually two years). Any

misrepresentation by the owner or insured on the application is also grounds for

nullification. Most contracts have a contestability period, also usually a two-

year period; if the insured dies within this period, the insurer has a legal right to
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contest the claim and request additional information before deciding to pay or

deny the claim.

The face amount of the policy is normally the amount paid when the policymatures, although policies can provide for greater or lesser amounts. The policy

matures when the insured dies or reaches a specified age. The most common

reason to buy a life insurance policy is to protect the financial interests of the

owner of the policy in the event of the insured's demise. The insurance

proceeds would pay for funeral and other death costs or be invested to provide

income replacing the deceased's wages. Other reasons include estate planningand retirement. The owner (if not the insured) must have an insurable interest

in the insured, i.e. a legitimate reason for insuring another persons life. The

insurer (the life insurance company) calculates the policy prices with intent to

recover claims to be paid and administrative costs, and to make a profit. The

cost of insurance is determined using mortality tables calculated by actuaries.

Actuaries are professionals who use actuarial science which is based in

mathematics (primarily probability and statistics). Mortality tables are

statistically based tables showing average life expectancies. The three main

variables in a mortality table are age, gender, and use of tobacco. The mortality

tables provide a baseline for the cost of insurance. In practice, these mortality

tables are used in conjunction with the health and family history of the

individual applying for a policy in order to determine premiums and

insurability. The current mortality table being used by life insurance companies

in the United States and their regulators was calculated during the 1980s. There

is currently a measure being pushed to update the mortality tables by 2010.

The current mortality table assumes that roughly 2 in 1,000 people aged 25 will

die during the term of coverage. This number rises roughly quadratic ally to

about 25 in 1,000 people for those aged 65. So in a group of one thousand 25
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year old males with a $100,000 policy, a life insurance company would have

to, at the minimum, collect $200 a year from each of the thousand people to

cover the expected claims. The insurance company receives the premiums from

the policy owner and invests them to create a pool of money from which to pay

claims, and finance the insurance company's operations. Contrary to popular

belief, the majority of the money that insurance companies make comes

directly from premiums paid, as money gained through investment of

premiums will never, in even the most ideal market conditions, vest enough

money per year to pay out claims. Rates charged for life insurance increase

with the insured's age because, statistically, a people are more likely to die as

they get older.

Since adverse selection can have a negative impact on the financial results of

the insurer, the insurer investigates each proposed insured (unless the policy is

below a company-established minimum amount) beginning with the

application, which becomes part of the policy. Group Insurance policies are an

exception. This investigation and resulting evaluation of the risk is called

underwriting. Health and lifestyle questions are asked, and the answers are

dutifully recorded. Certain responses by the insured will be given further

investigation. Life insurance companies in the United States support The

Medical Information Bureau, which is a clearinghouse of medical information

on all persons who have ever applied for life insurance. As part of the

application, the insurer receives permission to obtain information from the

proposed insured's physicians. Life insurance companies are never required by

law to underwrite or to provide coverage on anyone. They alone determine

insurability, and some people, for their own health or lifestyle reasons, are

uninsurable. The policy can be declined (turned down) or rated. Rating means

increasing the premiums to provide for additional risks relative to that

particular insured.
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Many companies use four general health categories for those evaluated for a

life insurance policy. These categories are Preferred Best, Preferred, Standard,

and Tobacco. Preferred Best means that the proposed insured has no adverse

medical history, is not under medication for any condition, and his family

(immediate and extended) have no history of early cancer, diabetes, or other

conditions. Preferred is like Preferred Best, but it allows that the proposed

insured is currently under medication for the condition and may have some

family history. Most people are in the Standard category. Profession, travel,

and lifestyle also factor into not only which category the proposed insured falls,

but also whether the proposed insured will be denied a policy. For example, a

person who would otherwise be in the Preferred Best category will be denied a

policy if he or she travels to a high risk country.

Upon the death of the insured, the insurer will require acceptable proof of death

before paying the claim. The normal minimum proof is a death certificate and

the insurer's claim form completed, signed, and often notarized. If the insured's

death was suspicious and the policy amount warrants it, the insurer may

investigate the circumstances surrounding the death, before deciding whether

there is a legal obligation to pay the claim. Proceeds from the policy may be

paid in a lump sum or as an annuity paid over time in regular recurring

payments for either for the life of a specified person or a specified time period.
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Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between

the Aditya Birla Group and Sun Life Financial Inc., a leading international

financial services organisation. The local knowledge of the Aditya Birla Group

combined with the expertise of Sun Life Financial Inc., offers a formidable

value proposition to customers.

Sun Life Financial and its partners today have operations in key marketsworldwide, including India, Canada, the United States, the United Kingdom,

Hong Kong, Philippines, Japan, Indonesia, China and Bermuda. Sun Life

Financial Inc. had assets under management of over US$ 386.82 billion, as on

31 March 2007. Sun Life Financial Inc. is a leading performer in the life

insurance market in Canada.

BSLI in its five successful years of operations has contributed significantly to

the growth and development of the life insurance industry in India. It pioneered

the launch of Unit Linked Life Insurance plans amongst the private players in

India. It was the first player in the industry to sell its policies through the Bank

assurance route and through the internet. It was also the first private sector

player to introduce a pure term plan in the Indian market. This was supported

by sales practices, which brought a degree of transparency that was entirely

new to the market. The process of getting sales illustrations signed by

customers, offering a free look period on all policies, which are now industry

standards were introduced by BSLI.

Being a customer centric company, BSLI has invested heavily in technology to

build world class processing capabilities. BSLI has covered more than one and

a half million lives since inception and its customer base is spread across 100


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cities in India. All this has assisted the company in cementing its place amongst

the leaders in the industry in terms of new business premium income. Birla Sun

Life Insurance (BSLI), one of the leading private life insurers in India today

announced the inimitable achiever, cricketer Kapil Dev as their corporate brand

ambassador. The cricketing supremo will be endorsing BSLI in all its

marketing initiatives. Birla Sun Life Insurance is a value-driven brand which

has a national brand recall of 70 per cent. The objective of appointing a brand

ambassador is to grow its brand recall as it goes national in its distribution

reach and fuel business growth. As a brand ambassador, Kapil Dev will play a

key role in the brand and product marketing and promotional activities. BSLI

has always used an integrated marketing approach, which will be strengthened

further.

Commenting on the association with Kapil Dev, Mr. S. K. Mitra, Director,

Financial Services, Aditya Birla Group and currently in charge of BSLI

expressed, "The Birla Sun Life Insurance business distribution network is

national in nature covering more than 1000 points across the country .We have

made our entry in several tier I and tier II towns. It is therefore very important

for the brand to connect at the grassroots level and create trust. We believe that

our association with Kapil Dev as our brand ambassador will help us create this

connect in a shorter period of time. We therefore now have two strong connects

our parent brand Birla and our brand ambassador Kapil Dev".

Kapil Dev, also known as the Haryana Hurricane, was born on 6 January 1959

in Chandigarh. He played his first competitive game of cricket at the age of 13

years and made his test debut on 16 October 1978 at Faisalabad against

Pakistan. Kapil Dev remained India's top strike bowler for almost 15 years. His

extraordinary test match figures of more than 5000 runs and 434 wickets along


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with 64 catches show that he was a world class cricketer and an all-rounder. He

has raised the mantle of India to sporting glory by winning us the World Cup.

In a study conducted by BSLI, Kapil Dev connected extremely well with thelife insurance category and had high acceptance by the masses. Our survey

suggests that he is seen as a very good fit for the BSLI brand. He is very much

loved and respected by a vast majority of the population.

On 26 November 2006, Birla Sun Life was host the annual golf tournament at

the Chamber Golf Club in Mumbai where Kapil Dev was participate.

About Birla Sun Life Insurance

Birla Sun Life Insurance Company Limited is a joint venture between the

Aditya Birla Group, one of the largest business houses in India and Sun Life

Financial Inc., a leading international financial services organisation. The local

knowledge of the Aditya Birla Group combined with the expertise of Sun Life

Financial Inc., offers a formidable protection for your future.

Birla Sun Life Insurance (BSLI), in its five successful years of operations, has

contributed significantly to the growth and development of the life insurance

industry in India. It pioneered the launch of unit linked life insurance plans

amongst the private players in India. It was the first player in the industry to

sell its policies through the banc assurance route and through the internet. Itwas the first private sector player to introduce a pure term plan in the Indian

market. This was supported by sales practices which brought a degree of

transparency that was entirely new to the market. The process of getting sales

illustrations signed by customers and offering a free look period on all policies,

which are now industry standards, were introduced by BSLI. Being a customer-

centric company, BSLI has invested heavily in technology to build world class

processing capabilities. BSLI has covered more than a million lives since


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inception and its customer base is spread across more than 1000 towns and

cities in India. All this has assisted the company in cementing its place amongst

the leaders in the industry in terms of new business premium income. The

company's current capital base is Rs.520 crore.

About the Aditya Birla Group

The Aditya Birla Group has a turnover close to Rs.38,000 crore (as on 31

March 2008) and is one of the largest business houses in India. It enjoys a

leadership position in all the sectors in which it operates. With over 75 business

units spanning the South East Asian belt, Africa, Canada and the UK among

others, it is reckoned as India's first multinational corporation. The group is

anchored by 72,000 employees and has seven lakh shareholders, with a market

capitalization of Rs.53,400 crore.

About Sun Life Financial Inc.

Sun Life Financial Inc. is a leading international financial services organisation

providing a diverse range of wealth accumulation and protection products and

services to individuals and corporate customers. Tracing its roots back to 1865,

Sun Life Financial and its partners today have operations in key markets

worldwide, including Canada, the United States, the United Kingdom, Hong

Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of 31

March 2010, the Sun Life Financial group of companies had total assets under

management of US$ 343 billion.

Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and

Philippine (PSE) stock exchanges under ticker symbol "SLF".


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KEY PEOPLES OF ORGANISATION

BOARD OF DIRECTORS

Mr. Kumar M Birla

Mr. Donald A Stewart,

Mr. Bishwanath N Puranmalka

Mr. Ajay Srinivasan

Mr. Gary M Comerford

Mr. Suresh N TalwarMr. Gian P Gupta

His Highness Maharaja G Singh

Mr. Stephan Rajotte

Dr. Bharat K Singh

INVESTMENT COMMITTEE

Mr. B. N. Puranmalka


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Mr. Eugene Lundrigan

Mr. Ajay Srinivasan

Mr. Vikram Mehmi

Mr. Mayank Bathwal

Mr. Fabien Jeudy

Mr. Vikram Kotak

Ms. Keerti Gupta

Management Team

Mr. Vikram Mehmi

President & ChiefExecutive Officer

Mr. Mayank Bathwal

Chief Financial Officer

Mr. Mario Braganza

Chief Operating OfficerMr. E.N. Goveia

Head - Direct Sales Force

Mr. Amit Punchhi

Senior Vice President -Third Party Distribution

Mr. Bhavesh Sanghvi

Head - Group Life &Pensions

Mr. Snehal Shah

Senior Vice President -Operations

Ms. Anjana Grewal

Senior Vice President -Marketing &Communications

Mr. Rajesh Bhojani

Senior Vice President -DSF Expansion

Mr. K.H.

Venkatachalam

Vice President - HumanResource

Mr. Fabien Jeudy

Vice President, Chief &

Appointed Actuary

Mr. Lalit Vermani

Vice President -

Compliance

Mr. Melvyn D'souza

Vice President - RiskManagement and InternalAudit

Mr. Vikram Kotak

Vice President -Investments

Mr. Bhalachandra

Nayak

Vice President - Strategy


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Birla Sun Life Insurance Company Ltd.

Copyright Birla Sun Life Insurance Company Ltd. 2008

Business Opportunity

Presenting


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What is this

opportunity

all about?


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Copy right Birla Sun Life Insurance Company Ltd. 2008

Opportunity of creating an IDENTITY

Rajeev Kumar

Insurance Advisor


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Opportunity to Earn through Commission

Unlimited earning potential

Increase earnings year after year

No. of years and customers

Earnings


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Copy right Birla Sun Life Insurance Company Ltd. 2008

Regular flow of Income Year on Year

First year commission

Renewals commissions year after year

First Year Commission Renewal Commissions

Earnings


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Opportunity to get recognized

Aces Club: 08-09)

European Destination

Asian Destination

National Destination

3313 Club membersTotal club benefits of

Rs 7 crore paid out


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Individual Life Protection

Birla Sun Life Term Plan

Premium Back Term Plan

Saving Birla Sun Life Insurance Gold-Plus

Supreme Life

Dream Plan

Classic Life Premier

Simply Life

Prime Life Premier

Prime Life

Life Companion

Flexi Cash Flow

Flexi Save Plus

Flexi Life Line

Single Premium Bond

Retirement
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Flexi Secure Life Retirement Plan II

Children

Children's Dream Plan

Rural

Bima Kavach Yojana

Riders Accidental Death and Dismemberment Rider

Term Rider Critical Illness Rider

Waiver of Premium

Critical Illness Plus Rider

Critical Illness - Woman Rider
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Retirement

Our Retirement Plans allow you to meet your expenses and build a nest

egg, which gives you the freedom to live life to the fullest even after

retirement.

The post retirement years can be the best years of your life. Time to do things

you couldn't have done while you were working. A right financial planning

makes your post retirement years truly golden . Our Sun Life secure Life II

assures you just that.

PRODUCTS

Life is unpredictable. But in face of adversity, our

responsibilities towards our parents, children and loved ones need

not be compromised. Insurance planning equips you to smooth out

Insurance Plans


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the uncertainties and adversities that life might send your way, so

that the best that l ife has to offer, secure in the knowledge that

your beloved ones are well provided for.

BSLI offers a complete range of insurance products

1. Protection Plans

2. Savings Plans

3.Child Plans

4. Investment Plans

5.Retirement Plans

6.Group Plans

7.Rural Plans

8.Plans for NRIs

9. Keyman Plans

10.Riders

BSLI offers LifeGuard - a set of pure protection plans. Choose

from amongst three different product structures to insure your life

and provide total security to your family, at a very affordable cost.

Protection Plans
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Level Term Assurance with return of premium

On death the entire sum assured will be paid.

On maturity, all the premiums paid will be returned.

Level Term Assurance without return of premium


No survival or matur ity benefits.

You can also enhance the above two policies by adding Accident &

Disability Benefit Riderand Waiver of Premium Rider (WOP) .

Level Term Assurance - Single premium:


No survival or maturity benefits

BSLI offers a variety of policies that give you the benefits of

protection and the opportunity to save for important assets or

events, like a home, a ca r or a wedding.

A regular premium unit-linked insurance plan with an assurance of

Capital Guarantee# with the added advantage of flexible liquidity

option. An ideal plan for long term planning with the benefit of

liquidity.

Savings Plans
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The key features of the plan are:

Flexibi li ty to choose a specif ic level of protection (Sum

Assured), based on a multiple of the annual premium. You canalso choose the term of the plan.

At the end of the term, the higher of the value of units or the

guaranteed value* is paid. On death, Sum Assured along with

the h igher of va lue o f un it s or the guaranteed value i s

payable.

Faci li ty to make withdrawals f rom the 6 th po li cy year onwards till the end of the policy term. Every year withdraw

up to 10% of the value of units.

Addit ional credi ts payable as a percentage of the ini tial

annual premium are paid along with the death or maturi ty

benefit.

Additional insurance for 10 years after the maturity, for anamount of 50% of the Sum Assured.

Flexibility to make additional investment with the help of the

top-up facility.

Flexibility to increase / decrease your annual premium amount

Facili ty of Automatic Premium Payment- With this facili ty

you can take a temporary break from premium payment. ** Total transparency with the premium allocations, and other

charges declared upfront.

The guaranteed value of the uni t fund is the value of a ll

invested premiums (premiums net of all charges) along with

the declared bonus interests.


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** With Automatic Premium Payment facili ty, you can avail a

temporary break from premium payment for a maximum of 1

year. This facility is available once if the premium paying term

is less than 15 years and twice, if it is 15 years or more.

You can a lso enhance your pol icy by add ing Accident &

Disability Benefit Rider, Waiver of Premium Rider and Critical

Illness Rider.

A regular premium unit-linked insurance plan with an assurance of

Capital Guarantee# An ideal plan for your long-term savings and

protection requirement.

The key features of the plan are :

Flexibili ty to choose a specific level of protection ( Sum

Assured ), based on a multiple of the annual premium. You can

also choose the term of the plan.

At the end of the term, the higher of the value of units or

the guaranteed value* is paid. On death, Sum Assured along with

the higher of value of units or the guaranteed value is payable

Additional credits payable as a percentage of the initial

annual premium are paid along with the death or matur ity

benefit.

Additional insurance for 10 years after the maturity, for an

amount of 50% of the Sum Assured.
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Flexibility to make additional investment with the help of

the top-up facility.

Flexibility to increase / decrease your annual premium

amount

Facility of Automatic Premium Payment- With this facility

you can take a temporary breakfrom premium payment.

Total transparency with the premium allocations, and other


The guaranteed value of the unit fund is the value of all invested

premiums (premiums net of all charges) along with the declared

bonus interests.

With Automatic Premium Payment faci li ty , you can avai l a

temporary break from premium payment for a maximum of 1

year. This facility is available once if the premium paying term

is less than 15 years and twice, if it is 15 years or more.

The capital guarantee is applicable only on the invested premium

and the declared bonus interests.

You can also enhance your policy by adding Accident & Disability

Benefit Rider, Waiver of Premium Rider and Critical Illness Rider.

A un it- linked insurance p lan with an assurance of Capi ta l

Guarantee which offers you the benef it of a l imited premium


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payment term. An ideal plan for protection with wealth creation

that offers the flexibility of a limited premium paying term.

Flexibility to choose a premium payment term of 5, 7 or 10 yearsfor a maturity term of 10, 15 or 20 years respectively.

Flexibi li ty to choose a spec if ic l eve l of protec tion (Sum

Assured), based on a multiple of the annual premium.

At the end of the term (maturity), the higher of the value of units

or the guaranteed value* is paid. On death, Sum Assured along

with the higher of value of units or the guaranteed value ispayable.

Additional credits payable as a percentage of the initial annual

premium are paid along with the death or maturity benefit.

Facility to make withdrawals from the 6th policy year onwards

till the end of the policy term. Every year withdraw up to 10% of

the value of units Flexibili ty to make additional investment with the help of the

top-up facility.

Flexibility to increase / decrease your annual premium amount

Total t ransparency with the premium allocat ions, and other


The guaranteed value of the unit fund is the value of all investedpremiums (premiums net of all charges) along with the declared

bonus interests.

The capital guarantee is applicable only on the invested premium

and the declared bonus interests.


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You can also enhance your policy by adding Accident & Disability

Benefit Rider and Critical Illness Rider.

Presenting Premier Life The Preferred plan for the Preferred

Customer. The key features of the plan are :

Limited premium payment option: Choose from among a 3, 5, 7

or 10 year premium paying term.

Choice o f sum assured: Choose a sum assured, which i s a

minimum multiple of 1 and a maximum multiple of 25 times the

annual contribution.

Additional allocation of units on a periodic basis.

Facili ty to top-up your investment any time you have surplus

funds.

Choose f rom among four funds , based on your inves tment

objective and risk appetite.

Choice to switch between investments options (4 free switches

every policy year).

Flexibility to decrease your sum assured.

Add-on riders to protect you against any eventuality.

Loans against the policy.

You can also enhance your policy by adding Critical Illness Rider,

Accident & Disability Benefit Rider.


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Presenting Life Time unit linked plans that meets your changing needs over

a lifetime. These solutions have been developed to meet your savings, protection and

investment needs at every stage in life.Protection

Choose a specified level of protection (available only with

LifeTime).

Two levels of Sum Assured to choose from (available only

with LifeTime II).

Flexibility to increase or decrease your sum assured .

Add-on riders to protect you against any eventuality. Savings

Flexibility to increase or decrease your contribution.

Facility of Premium Holiday, wherein the policy continues

even if there is a temporary break in the payment of annual

contribution (available only with Life Time).

Facility of Automatic Cover Continuance, wherein the policy

continues even if there is a temporary break in the payment of

annual contribution

Facility to top-up your investment any time you have surplus

funds.

Additional allocation of units on a periodic basis.

Loans against the policy.

Investment:

Choose f rom among four funds , based on your inves tment

objective and risk appetite.

Choice to switch between investments options (4 free switches

every policy year).


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Major Surgical Assistance Rider, Accident & Disabili ty Benefit

Rider, Accident Benefit Rider (available only with Life Time) and

Waiver of Premium Rider


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.

An insurance plan that gives added protection, savings and multiple

options, all in one!

The flexibility to choose your premium contribution.

The flexibili ty to choose amongst three levels of cover (in the

form of sum assured) for the same amount of total annual

contribution. The flexibility of shifting between the three levels of cover, as

you require.

The flexibili ty of receiving your maturity proceeds as a lump

sum or in equal annual installments over 3 or 5 years.

You can also enhance your policy by adding Variety of Riders

An insurance plan that gives you added protection, savings,

multiple options, plus the power of liquidity.

The flexibility to choose your premium contribution.

The flexibili ty to choose amongst three levels of cover (in the

form of sum assured) for the same amount of total annual

contribution.

The flexibility of shifting between the three levels of cover, as

you require.

The flexibili ty of receiving your maturity proceeds as a lump

sum or in equal annual installments over 3 or 5 years.
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The flexibili ty of withdrawing up to 10% of the accumulated

value of your policy, after the first 5 policy years.

You can also enhance your policy by adding Variety of Riders

An ideal plan for those who want to accumulate funds on a regular

basis while enjoying insurance protection.

Guaranteed Benefits: Guaranteed additions @ 3.5% of the Sum

Assured, compounded annually for the first 4 years of the policy.

Extended Life Cover: An extended cover for 5 years after the

maturity of the policy, for 50% of the sum assured, at no extra

cost.

Maturity Benefit: At the end of the term, the pol icyholder

receives the full sum assured, the guaranteed additions and the

vested bonuses.

Death Benefit: The beneficiary receives the sum assured, the

guaranteed addit ions and the vested bonuses incase the l ife

assured were to meet with an unfortunate event. In case the life

assured is aged 7 years or less, the basic premium paid will be

returned.


Major Surgical Assistance Rider, Accident & Disabili ty Benefit

Rider, Waiver of Premium Rider (WOP)
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As a responsible parent, you will always strive to ensure a hassle-

free , successful l if e for your chi ld . However, l if e i s ful l of

Uncertainties and even the best-laid plans can go wrong. Heres

how you can give your child a 100% safe and assured tomorrow,

whatever the uncertainties. Smart Kid is especially designed to

provide flexibility and safeguard your childs future education and

lifestyle, taking all possibilities into account. Choose from amongst

a basket of 4 plans:

Smart Kid regular premium

Smart Kid unit-linked regular premium

Smart Kid unit-linked regular premium II

Smart Kid unit-linked single premium II

Child Plans


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All these plans offer you:

Financial Benefits: Regular payments at critical stages in

your childs l ife, l ike Board examinations, Graduation and

Post-graduation.

Total peace of mind, even if you are not around

Sum Assured is paid immediately: Ensures that your loved

ones stay financially secure, even in your absence.

All future premiums are waived: Ensuring that your family

is not financially burdened in your absence.

Policy benefits continue: The educational benefits of the

policy continue, ensuring that your child can realize his or her

dreams without any hassles.

Development Allowance: Smart Kid guarantees regular

income to secure your chi lds educational career and also

ensures h is or her a ll -round development , for a nominal

additional amount. The Income Benefit Rider takes care of

this through an annual payment of 10% of the sum assured, to

your child, till the maturity of the policy, in the unfortunate

event of the death of the parent.

All Smart Kid plans can be enhanced with the Accident &

Disability Benefit Rider and Income Benefit Rider. You can

also an Accident Benefit Rider to a Smart Kid Regular

Premium policy, and a Waiver of Premium Rider (WOP) to

Smart Kid unit-linked regular premium policy.
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Life Link II is a unique plan that combines the security

of a l ife insurance policy with the opportunity of enjoying high

returns on your investments, without the market risks

compromising on the protection of your family!

Death Benefit: The Sum Assured under the product has 2 options,

either 500% of the initial premium or 105% of the initial premium.

In the event of an unfortunate death, the beneficiary will receive

higher of the value of units or the initial death benefit , less any

withdrawals.

Withdrawal Benefit: One can make partial withdrawals from the

accumulated value of the policy after completion of one policy

year.

Flexibility: Choose from four fund options, based on your

investment object ive and r isk appetite. I f at a later s tage your

financial priorit ies change, you can switch between the various

fund options, absolutely free, 4 times a year.

Investment Plans


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Life Expectancy has been rising rapidly and today you can

expect to l ive longer than your earlier generations. For you, this

increase will mean a longer retirement life, stretching into a couple

of decades. BSLI Retirement Solutions that combine the best of

insurance and investment. These solutions are developed to ensure

your peace of mind for the years to come.

1. Why plan for retirement?

2. How much should I set aside for retirement?

3. The impact of inflation on your retirement savings

4. Why plan early?

5. About Annuities

Why plan for retirement?

For too many people, the joy of retirement after years of hard

work is ecl ipsed by the f inancial uncer tain ties that i t brings.

Despite all the planning and saving, you can never sure whether

your money will last a lifetime. Retirement planning offers a way

to ensure a more enjoyable, stress free tomorrow. A prudent plan

will ensure that increasing life expectancy, higher inflation and

increasing taxes do not eat away into your hard earned savings.

Retirement Plans
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How much must I set aside for retirement?

To ensure a comfortable retired life, you would be wise to

invest money into additional avenues like pension plans. How much

you need to invest can be answered by answering some questions

such as:

1. How long do you have to save that amount before retirement?

2. Where can you invest your retirement money?3. How much risk are you willing to take on your investments?

In an era of competitive parity, the only asset that makes a decisive

difference between corporate success and failure is the quality of

human capital. Employee benefits have proven to be an excellent

tool to optimize the retention of talent and improve an

organizations bot tom-line. The quali ty of an organizat ions

employee benefits establishes and maintains a company's image as

a caring employer. Optimum care of employees is a long-term

investment that results in a sustained competitive advantage for an

organization in the times to come.

BSLI Group Solutions Advantage:

An integrated basket of employee benefits solutions that offer

incomparable flexible benefits.

Group Solutions


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Sound inves tment management tha t focuses on safe ty ,

stability and profitability of the portfolio.

Personalized financial planning for your employee that takes

care of his/her changing financial needs at every stage of life.

Quali ty service ini ti at ives and tr ansparency across a ll

operations, promising superlative operational efficiency.

Group Term Assurance : Helps provide affordable cover to

members of a group.

Group Gratuity Plan : Helps employers fund their s tatutory

gratuity obligation in a flexible and hassle-free manner.

Group Superannuation Plan : A flexible scheme (defined benefit

and defined contribution) to provide a retirement kitty for each

member of the group.

Group Term Assurance:

BSLI flexible group term solution helps provide affordable

cover to members of a group. The cover could be uniform or based

on designation/rank or a multiple of salary, and can be extended to

all employees between the ages of 18 and 65 years. The benefit

under the policy is paid on the event of the members death to thebeneficiary nominated by the member. It is a one-year renewable

policy where one master policy covers all proposed employees

comprising the group, with a minimum group size of 25 persons.

New members can join the group and outgoing members can leave

the group at any point during the policy term.
http://www.iciciprulife.com/ipru/groupplan1.jsp#ahttp://www.iciciprulife.com/ipru/groupplan1.jsp#bhttp://www.iciciprulife.com/ipru/groupplan1.jsp#chttp://www.iciciprulife.com/ipru/groupplan1.jsp#ahttp://www.iciciprulife.com/ipru/groupplan1.jsp#bhttp://www.iciciprulife.com/ipru/groupplan1.jsp#c


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Highlights include:

Greater convenience for the employees with re laxed

underwriting and medical requirements.

"Free Cover Limits" with simplified underwriting depending

upon the number of employees in the group and the level of

cover chosen.

Guaranteed benefit: On death during the term of the contract

(whi le in service), the sum assured wil l be paid to the

beneficiary of the employee.

Choice of addit ional coverage in form an Accident and

Disability Benefit Rider and Critical Illness Cover

Premium is v iewed as a bus iness expense in the year of

payment.

Group Gratuity Plan:

BSLI group gratuity plan helps employers fund their gratuity

obligation in a scientific manner. Employers can avail of the tax

benefits as applicable to approved gratuity funds. The plan can also

be customized to structure schemes that can provide benefits

beyond the statutory obligations.

Highlights include:

Wider choice of investments with Market Linked Plans - to

meet the d iverse f inancial goals . We offer 4 inves tment

opt ions (shor t- term debt, debt and balanced and capital


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guarantee plan) where investments will be made in accordance

with the fund objectives.

Transparency through Daily disclosure of Unit Value and

regular disclosure of the portfolio of each of the investment

option

Flexibility through switching and contribution redirection

option to enable reshuffling of portfolio

Bundled Life Cover grea ter value to the employee by

packaging life insurance cover with the gratuity, with minimal

amount of underwriting.

Actuarial services to provide a scientific estimation of the

gratuity liability.

Low explicit charge structure with the conditions for exit

specified upfront.

Enhanced service levels through faster claim settlement,

easier access to information and regular statements.

Complete end to end solution in the legal and regulatory

approval process for scheme set up or transfer

Employee Benefits:

The contribution made by the employer is not included in the

value of taxable perquisites in the hands of the employee.

Gratuity received up to Rs 350000 is exempt from Income tax

under Sec 10(10)

Employer Benefits:


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Annual contribution up to 8.33% of salary bill in a financial

year is allowed a deduction for the purpose of computation of

profits and gains of business.

Contribution towards past service l iabi li ty is allowed as

deduction as per the Income Tax rules.

Group Superannuation Plan:

BSLI Superannuation Scheme (for both Defined Benefit and

Defined Contribution funds) offers substantial benefits to both

employers and employees. The employer and employee can avail of

tax benefits applicable to an approved superannuation trust. The

scheme will provide for a retirement fund for each participating

employee. An employee would be able to choose from various

annui ty opt ions or opt for par tial commutation of corpus at

retirement.

Highlights include:

Wider choice of investments with Market Linked Plans - to

meet the diverse financial goals. We offer 5 investment options

( short -term debt , debt, balanced, growth and capital

guarantee plan) where investments will be made in accordance

with the fund objectives.

Control - Each member/employer can exercise greater control

over investments by choosing one or more of the investment

options.

Multiple Annuity Options - 5 annuity options and open market

option


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Transparency - Transparency through Daily disclosure of Unit

Value and regular disclosure of the portfol io of each of the

investment option

Flexibility - Flexibi li ty through switching and contr ibution

redirection option to enable re shuffling of portfolio

Low explicit charge structure with conditions for exit specified

upfront.

Enhanced service levels through faster claim settlement, easier

access to information and regular statements.

Complete end to end solution in the legal and regulatory

approval process for scheme set up or transfer

BSLI Rural Products are designed to meet the needs of the rural

consumers. These products offer the following features:

1. Low and Affordable Premiums

2. Life Cover

3. Savings Option

4. Hassle free procedure

BSLI offers 2 specially designed rural plans.

a) BSLI Endowment Plan

b) BSLI - Regular Premium

BSLI Endowment Plan:

BSLI offers the following features:

Rural Plans
http://www.iciciprulife.com/ipru/ruralplan1.jsp#ahttp://www.iciciprulife.com/ipru/ruralplan1.jsp#ahttp://www.iciciprulife.com/ipru/ruralplan1.jsp#bhttp://www.iciciprulife.com/ipru/ruralplan1.jsp#bhttp://www.iciciprulife.com/ipru/ruralplan1.jsphttp://www.iciciprulife.com/ipru/ruralplan1.jsphttp://www.iciciprulife.com/ipru/ruralplan1.jsp#ahttp://www.iciciprulife.com/ipru/ruralplan1.jsp#b


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Life Cover and Savings

Regular Premiums

Age at entry 18 - 45 Yrs

Premium Mode Half Yearly / Yearly

Term 5,10,15 Yrs

Sum Assured Rs.5,000 -20,000

Premium / Year Rs. 507 - 553 ( SA: Rs.10,000)

Maturity/Death benefit Sum Assured

BSLI - Regular Premium:

BSLI is a regular premium policy with the following features:

Individual policy

Only Life cover

Term - 3 & 5 Yrs

Age independent premium

Age at entry 18 - 45 Yrs

Sum Assured Single

Premium / Year Rs 50 200

Maturity/Death benefit Rs.5,000 - 20,000

Death Benefit Sum Assured

NRI Plans:

Plans for NRIs
http://www.iciciprulife.com/ipru/nriplan1.jsphttp://www.iciciprulife.com/ipru/nriplan1.jsp


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Being away from India doesn't mean you have to compromise the

safety and security of your loved ones. In fact, your savings from

your time overseas can be easily canalized to meet your family's

needs - now and in the future. So, whether its your dream to retire

in your hometown; to secure funds for your children's education; or

to bui ld assets, BSLI has a range of solutions that can be

customized to meet your needs.

IRDA(INDIAN REGULATORY DEVLOPMENT

AUTHORITY)

IRDA:

The insurance sector has been opened up in India, as there was an urgent

need. The international experience indicates those country with a liberalized

insurance sector have witnessed a rapid growth in premium volumes enhancingthe domestic saving rate. This happened in China, Malaysia and Singapore

where a competitive market has led to improvement in Services and quicker

settlement of claims. It is also important to note that competition will bring

about advancement in information, communication and technology. And

rightly therefore a decision was taken by the Government of India to open up

Insurance sector. The establishment ofIRDA in the month of April 2000 has


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been important development in this direction, making the end of monopoly in

the insurance sector.

WHY INSURANCE IN INDIA:

Only 22% of the insurance population has been extended cover. Market

penetration is low and the potential to exploit is high.

Insurance premium per capita is very low.

Lack of comprehensive social system benefit and welfare means that

demand for pension products is high.

Huge middle class of approximately 300 Million.

Existing insurance company score low on customer service front.

The insurance market registered growth in the Asian region even though

Indias share in global insurance is less than 0.5% (1988) as compared to USA

(24.2%) and Japan (21%). Studies have reveled that in an emerging market, as

disposable income rises, Insurance premiums as a ratio of GDP shoots up. The

confederation of Indian Industry projected a growth of Life Insurance

premiums from Rs. 350 Billion at present to Rs.140 Billion. The growth of

non-life insurance premium is expected to increase from 75 billion to 375

billion. Out of which, only 10% is tapped by the existing insurer.

Insurance even more than banking is a volume game. A very exclusiveapproach in view is unlikely to provide meaningful numbers. Currently,

insurance is bought for the purpose of tax-benefits. A higher percentage of

business is in the rural market. The share of rural new business insurance total

new business is 55% in terms of policies and 47% in terms of sum assured.

However, this needs to be viewed in the light of some recent issues that have

been raised regarding as to what constitutes the rural market. Therefore, private


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insurers will be best served by middle market approach, targeting the customer

segments that are presently unexploited.

How many Indians are aware that LIC has more than 60Products andGIC has more than 180Products? Not only there is a reduction in the premiums

of Life Insurance products have long overdue since Indian morality rate has

decreased three folds in the last 50years. There is also scope to increase the

yield on life insurance policies (presently 6%) with proper risk management in

place.

It is been debated that insurance business does not produce profit in the

first five years cross subsidization is a feature of Indian market. Even the first

portfolio vote that is considered profitable, cross subsidizes other departments.

Tariffs reduction is likely to reduce profits; further insurers have to institute

proper claims management progress in order to extract efficiencies. At present

life insurance business in the country is taxed at 12.5% of the profit in financial

year. The government is soon to present a new model of taxing life insurance

companies at international rates.

New entrants should be well advised to look ahead to the stage where

brand strength will be a competitive advantage and sketch their alliances

accordingly. In fact, we believe that alliance related to distribution rather than

to produce or technology will prove most valuable in the long run.

Banks and financial companies will emerge, as attractive distribution

channel for this insurance trend will be led by two factors, which already apply

in other world market. First Banking food insurance, fund management and

other financial services companies are being to increase their profitability and

provide maximum value to their customers. Therefore, they are themselves

looking for a range of products to distribute.


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In other market notably Europe; this has resulted in bank assurance.

Bank entering into the insurance business in India to bank hope to maximize

expensive existing network by selling a range of products more of a loss

alliance between insurance and bank than a formal ownership. Some Indian

entrants like ICICI, HDFC and Reliance hope to ride their existing network and

customer bases.


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OBJECTIVE

To determine and analyze the Market Potential of the Birla Sun Life

Insurance Company in Shahjahanpur City.

To study the overall scenario currently prevailing in the market, namely, the

per capital income, purchasing power, occupation, literacy rate, etc.

To study and determine the competitor position in the market.

VISION

To be a world class provider of financial security to individuals and corporate

and to be amongst the top three private sector life insurance companies in India

MISSION

To be the first preference of our customers by providing innovative, need based

life insurance and retirement solutions to individuals as well as corporate.

These solutions will be made available by well-trained professionals through a

multi channel distribution network and superior technology.


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Our Endeavour will be to provide constant value addition to customers

throughout their relationship with us, within the regulatory framework. We will

provide career development opportunities to our employees and the highest

possible returns to our shareholders


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SWOT ANALYSIS

STRENGTH:

Multi-channel distribution and one of the largest

distribution networks in India.

Implementing Six-Sigma process.

Customer centric products and services.

Superior investment and risk management framework

1 Million Policies sold within 3 and half years.

Company has maximum number of MDRT as well as good

number ofHNI advisors.

Training process of the company is very strong.

Different plan for different peoples

According to the change in surrounding environment like

changes in customer requirement.

WEAKNESS:

COMPANY does not penetrate on the rural market at a time.

There is no plan for the low income group.


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Fees for the advisor is high than the other company.

OPPORTUNITY:

INSURANCE MARKET IS VERY BIG, WHERE COMPANY CAN EXPAND

ITS HORIZON IN INSURANCE INDUSTRY.

Though good investment and insurance it is easy to top Indian

customers.

The huge insurance market (77%) is left so company has

opportunity to expand our products.

To associate with the more number of HNI.

THREATS:

OLD HABITS DIE HARD: Its still difficult task to win the

confidence of public towards private company. The company is facing major threats from LIC -which is an

only government company.

Plans for all income groups is not available which can createadverse effect later on the market share of the company


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While making a study we very often look for what type of research

methodology is to be used in this type of study. For implementation of a proper

research methodology we have to first understand the meaning of research.

Research is a process with the help of which new concepts arises. It is the

increase in the actual knowledge stock. It can be called as movement from

known to unknown and vice-versa. It is also a continuous process. It is a

scientific as well as systematic process, which includes defining and redefining

the problem to develop hypothesis, to collect and define the information/data,

to analysis the information and bring out the mother of Discovery. An

individual makes the effort in research and society or public takes its benefits

because the results are usually generalized.

Data collection

The word data means any raw information, which is either quantitative

or qualitative in nature, which is of practical or theoretical use. The task of data

collection begins after a research problem has been defined and research design

chalked out. While deciding about the method of data collection, the researcher

should keep in mind that there are two types of data primary and secondary.

Primary data: -

This is those, which are collected afresh and for the first Time, and thus happen

to be original in character. There are many ways of data collection of primary

data like observation method, interview method, through schedules, pantry

Reports, distributors audit, consumer panel etc. The Team Managers andemployees of both the Department were consulted to get information about

procedure of both the online and off line share trading. But the method used by

us for the primary data collection was through questionnaires.

Questionnaire method

For the collection of primary data I used questionnaire method. A formal list of

questions, which are to be asked, is prepared in a questionnaire and questions


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are asked on those bases. There are some merits and demerits of this method.

These as under: -

Merits: -

1. Low cost even when universe is large.

2. It is free from bias of interviewer.

3. Respondents have proper time to answer.

4. Respondents who are not easily approachable can also be reachable.

5. Large samples can be made.

2. Secondary data: -

These are those data, which are not collected afresh and are used earlier also

and thus they cannot be considered as original in character. There are many

ways of data collection of secondary data like publications of the state and

central govt., reports prepared by researchers, reports of various associations

connected with business, Industries, banks etc. And the method, which was

used by us, was with the help of reports of the company.

Sample Size

We have meet 100 peoples during requirement Advisor and policy selling after

that I have taken 48 Peoples they have fill up the questionnaire and given

response.


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FINDINGS OF STUDY

INSURANCE INDUSTRY IS THE FASTEST GROWING FINANCE INDUSTRY.

INSURANCE INDUSTRY IS KNOWN FOR A BIG EARNING

OPPORTUNITY AND BSLI IS THE ONE OF THE BEST COMPANY

TO WORK WITH AS AN ADVISOR BSLI IS AMONGEST THE TOP 5PLAYERS IN THE LIFE INSURANCE CATEGORY IN THE ECONOMIC

TIMES MOST TRUSTED

BRAND SURVEY 2008.

ADVISOR MENTORSHIP EARNING AVENUES ARE COMMISSION

,DIFFERENTIAL

COMMISSION,CONTEST,CLUB BENEFITS,BDA,TRAINING

BUSINESS & CAREER BENEFITS.

ADVISOR CAN GROW WITHIN UNDER THE SYSTEM TIGER THE

PROGRAMME.

OVER ALL BSLI IS ONE OF THE BEST HOUSE IN INSURANCEINDUSTRY TO WORK AND GROW.

Findings # 1


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Male Vs Female Respondence

27%

73%

Male

Female

Findings # 2

Findings # 3

Marital Status of Respondent

39%

61%

Married Unmarried


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Findings # 4

Findings # 5

Age ofRespondent

53%27%

18% 2%

Less 25 25-35 35-45 Above 55

Qualification Of Respondent

16%

57%

27%

12th Graduation Post Graduation


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Dependent Of Respondent

62%23%

15%

None Two Above Two

Findings # 6

Annual Family Income of

Respondence

23%

53%

17%7%

Less 100000 100000-200000

200000-400000 Above 400000

ANALYSIS

FINDING-1 SHOWS THE DIFFERENCE BETWEEN THE MALE

& FEMALE RESPONDENT WHO ARE SELECTED AS A NEW

ADVISOR THE MALE DOMINANT OVER FEMALE. THERE IS

A BIG DIFFERENCE BETWEEN THE MALE & FEMALE

ADVISOR.


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FINDING 2 SHOWS THE MARTIAL STATUS OF NEW

ADVISORS. OUT OF 100 ADVISORS SELECTED 61 ARE ONE

MARRIED WHICH IS A GOOD SIGN BECAUSE THEY ARE

MUCH MORE AWARE INSURANCE AND 39 UNMARRIED.

FINDING-3 SHOWS THE AGE GROUP OF SELECTED

ADVISORS ARE QUIET ENCOURAGING. 53 % ARE OVER AGE

OF 55 YEARS WHICH IS QUITE GOOD FOR COMPANY

BECAUSE THEY MUCH MORE TRUSTED BY THE PROSPECT

THAN THE OTHER AGE GROUP.

FINDING-4 SHOWS MOST OF THE SELECTED ADVISORS

HAVE A GOOD QUALIFICATION. MOST OF THEM ARE

GRADUATE AND POST GRADUATE.

FINDING-5 SHOWS, BECAUSE 61% ADVISORS ARE MARRIED

SO THE DEPENDENT PERSON ON THEM ARE SAME.

FINDING-6 MOST OF THE NEW ADVISORS HAVE A VERY

GOOD FAMILY SUPPORT. THE ANNUAL FAMILY INCOME OF

MOST OF THE NEW ADVISORS ARE OVER 10,000 WHICH IS

VERY ENCOURAGEMENT


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CONCLUSION

THE MARKET POTENTIAL FOR PRIVATE INSURANCE

COMPANIES IS FOUND TO BE GREATER IN THE LONG RUN

AS MOST OF THE INDIANS ARE OF THE OPINION THAT,

PRIVATE INSURANCE COMPANIES WOULD BE ABLE TO

PERFORM WELL IN THE FUTURE. THE PRIVATE AND

FOREIGN INSURANCE COMPANIES HAVE TO TAKE IMMEDIATE STEPS IN APPOINTING MORE NUMBER OF

AGENTS AND/OR ADVISORS IN ADDITION TO THE

EMPLOYEES AS IT HAS BEEN FOUND OUT THAT AGENTS

ARE THE BEST CHANNEL TO REACH THE GENERAL PUBLIC

REGARDING SELLING OF INSURANCE PRODUCTS. THE

PRIVATE AND FOREIGN INSURANCE COMPANIES HAVE TO

CONCENTRATE ON THE FACTORS LIKE 'PREVENTION OF

LOSS', 'ASSURED RETURNS' AND 'LONG TERM

INVESTMENT'. THEY CAN ALSO FOCUS ON AN INSURANCE

AMOUNT OF RS. 1 2 LAKHS WITH 'MONEY BACK

POLICIES'. HENCE, THE MARKET HAS POTENTIAL. THE

PRIVATE AND FOREIGN INSURANCE COMPANIES THAT ARE

TAKING IMMEDIATE STEPS CAN TAP IT EASILY & RAPIDLY.


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SUGGESTIONS

1) Even though most of the policy holders are satisfied with policies,

plans they have but some new attractive insurance plans should be introduce

to bind them not to switch over to other companies insurance plans.

2) The company should find out the no. of people who are not having

any of the insurance plans through an intensive market research andmotivate them to get insured.

3) Leveraging technology to service customers quickly, efficiently

and conveniently.

4) Developing and implementing superior risk management and

investment strategies to offer sustainable and stable returns to our

policyholders.

5) Company should target each and every class of the society

6) Company should provide full information to the customers before

targeting so they can take interest


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RECOMMENDATIONS

1. Competition from public sector and foreign banksremains a key challenge for private sector banks.They need to reorient their staff and effectively utilizetechnology platforms to remain customers.

2. They have to update their portfolio timely.

3. Birla sun life insurance ltd. should have properdivision of departments under heads.

4. Birla sun life insurance ltd. Have more pensionsplans.

5. Birla sun life insurance ltd. Have more children plansand more help line plans.

6. They should provide more information to thecustomer so that they become more aware aboutinsurance.


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LIMITATIONS

Some of the respondents were not cooperative.

Some respondents were hesitating to give business details.

Biasness is another limitation that the scope of the survey.

The reliability and scope of survey greatly relies on the cooperation of

the respondents.


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BIBIOLIOGRAPHY

www.BirlaSunlife.com

www. irda. gov. in

Birlasunlife New Advisor Book

www.google.com


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Questionnaire

Name:............................... Age:..

Occupation:..

Ques.1 Which Birla Sun Life Scheme does you have?

(a) Life (b) Retirement (c) Health

Ques.2 Are you satisfied with the Insurance plan you have?

(a) Yes (b) No

Ques.3 What attract you towards Birla Sun Life Plans?

(a)

(b)

(c)

(d)

Ques.4 Are you satisfied with the services provided by the company

regarding new plans and schemes?

(a) Yes (b) No

Ques.5 Are you interested to make more investments inBirla Sun Life ?

(a) Yes (b) No

Ques.6 Have you any other Insurance Plan apart from Birla Sun Life?

(a) Yes (b) No

Ques.7 If yes, then of which Life Insurance Company?


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(a) LIC (b) Bajaj Allianz

(c) Birla Sunlife (d) Reliance

(e) Others

Ques.8 If you get any attractive plan than are you ready to switch over?

(a) Yes (b) No

Suggestions:

project birla sun life insurance

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