HDFC LIFE

PRESENTED BY:-

SHEIKH TANVEER
AHMED

&

ISHA KUMARI
SAR UTHA KE JIYO!
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Company / HDFC LIFE INSURANCE COMPANY
LLP Name LIMITED
Registration
Number 128245
ROC Code MUMBAI
Date of 14.08.2000
Incorporation

Brand equity RS.13,72000 crore


HDFC LTD.
PARANTAGE
Was promoted in October 1977 as a
Public Limited Company specializing
in providing housing finance primarily
to individual households & corporates
for the purpose & construction of
residential housing. HDFC Ltd. Is
India’s first retail housing finance
company & is currently one of the
largest originators of housing loans in
the country.
Since inception, they have financed
6.3 million housing units.
About 76% of shareholders in HDFC
Ltd. are foreign investors.
Their market capitalization in mar,2k18
was approx. US$ 47 billion.
3
Standard life Aberdeen PLC
Is a leading global investment & a
FTSE 100 company listed on the
LONDON STOCK EXCHANGE.
Headquartered in Scotland, it has
offices in 50 locations worldwide &
employees around 9000 people.
They were formed by merger of
Standard Life PLC & Aberdeen Asset
Management PLC on August 2k17.
It manages, administers & advises £
655 billion worldwide.
It has been accorded “AAA”
rating for consecutive 6 years by
STANDARD & POOR.
 JOURNEY SO FAR…
4

Dividend declared
by the company for
First private life insurer the first time
to receive liscense
Incorporated
from IRDA. 2014
the subsidary,
HDFC pension
2001 2017
2011

2010
2012 AUM crossed rs.900
billion, completed
2007 successful Initial Public
2003 Company turned
Asset under Offer (IPO)
profitable
Crossed 500,000 management
Crossed 100,000
policies crossed RS 200
policies
BILLON
KEY PERSON
5

MR. DEEPAK S. PRAKASH

CHAIRMAN & NOMINEE DIRECTOR

HE IS A FELLOW OF INSTITUTE OF
CHARTERED ACCOUNTANTS OF
ENGLAND & WALES
 Credit Protect: Protection 6
against loan worries with
minimum documentation

Loan
1 Industry-leading
Low-cost protection product
protection
protection series - Click2Protect

6 Cardiac Care:
Protection against

5 Product
Comprehensive
18 cardiac diseases

health plans Cancer Care: Lump

innovation in
sum benefit and
Low-cost ULIPs HDFC Life
waiver of premium
Click2Invest: One of
the first minimal
charge structure ULIPs
2
Guaranteed
Click2Protect Health:
Life and indemnity-based 4 Partnership with
pension

health cover under a non-life insurer

single plan 3 Pension Guaranteed Plan:
Guarantees on annuity
deferred up to 10 years
 Geographical
Presence
11,200+
Partner
Branches*

1.05mn
Policies sold
(Individual new
business)

PLACE 10

17,600+
Employees
6

Wow
2
0

!!!??
` 1,066
1

Billion of AUM
2
Note :Map not to scale
PROMOTION 8
Let your monthly expenses be X.
9
INSURANCE PROTECTION
The formula suggest to insure 150 times of FORMULA
your monthly expense to be in the safe
side.

Thus, 150X will be ours policy amount of EXAMPLE

insurance.

Assumptions, Let your per month expenses be

• If the insuree dies, then his/ her family RS.50000
will be getting the benefit of 150X. Than, insurance protection formula
suggest you to buy a policy of =
• If they keep 150X in the form of FD. In a 150*50000
bank than they will be awarded 8% = 75,00,000
interest per annum.
Making an FD. Of the benefit amount
8% interest of 150X = 12X will give 8% interest
= 8/100*75,00,000
per month amount = 12X/ 12 =600000
=X
Thus your family will be financially sound as Per month premium paid by bank will
it used to be when you were alive. be 600000/12= 50000.
 10

PITICHING THE PRODUCT

11
 12
WHAT?
A non linked participating limited pay money back Life Insurance Plan HDFC Life
Super Income Plan has been awarded as the 'Best Product Innovation' at the
INDIAN INSURANCE AWARDS, 2014.

HDFC Life Super Income Plan is a participating regular money back policy plan in
India with guaranteed benefits plus bonuses to best plan your investment needs.

This money back policy offers guaranteed income for a period of 8 to 15 years and
is ideal for individuals who need regular income at their disposal so that they don’t
have to worry about future expenses and fulfill their financial goals uninterrupted
 13

WHO?
The minimum policy you can buy
would be of RS.1,28000.
ENTRY AGE Maximum is up to the insuree.

MIN MAX
2 (FOR POLICY TERM OF 16 YEARS)
30 days (FOR POLICY TERM OF 18 TO 27 YEARS) 59 (FOR POLICY TERM OF 16 YEARS)

57 (FOR POLICY TERM OF 18 YEARS)

55 (FOR POLICY TERM OF 20 YEARS)

MATURITY AGE
53 (FOR POLICY TERM OF 22 YEARS)

MIN MAX 51 (FOR POLICY TERM OF 24 YEARS)

18 YEARS 75 YEARS 48 (FOR POLICY TERM OF 27 YEARS

HOW DOES THE PLAN WORK? 14

Pay Premiums for Life cover for entire policy Term

8 10 12
Regular Income for 8 / 10 / 12 or
years
years years 15 years

or
Premium Payout Period
Payment Term

Payouts at the end of every year after

How much do you get ? completion of Premium Payment Term

Regular Income BONUSES

Your Total Survival Benefit payouts
Survival Benefit payouts
will be 100% or 120% of
of 8 %
Sum Assured on maturity. in
to 12.5% of Sum Assured
addition get bonuses at maturity
on Maturity payable each
year
Maturity payout
Accrued reversionary
Last Survival
bonuses attached to
Benefit payout
your policy every year +
+ Accrued Bonuses
Terminal bonus, if any,
paid on maturity
 15
WHY?
 16

Turnover in billion $
90 84.7
80
71.8
70 64
60.7
60 56
49
50

40

30

20

10

0
FY13 FY14 FY15 FY16 FY17 FY18
turnover $ Expon. (turnover $)

Market size of insurance industry in India

Product Strong growth Focus on
Regulations led by Banca margins
•Higher branch penetration &
•Expense of Management activation
•ULIP & Non-Par •Open architecture
•Protection focus
Regulations •Increased financial inclusion &
movement towards savings’ products •Expense efficiency to improve
margins

Focus on quality Operational

of the book efficiencies Digital Sales

•Emergence of customer friendly
products
•Increasing persistency trends
•Regulatory interventions
•Increased investments in
technology and reducing
Growth of organic online
turnaround times platforms and entry of
aggregators

List &
Demonetization Emergence of
governance
start ups

•Initial Public Offerings

FinTech companies – Alternate
•Merger announcements Private insurers piggybacked on sources of customer data
•Investor & analyst focus banks’ growth post demonetization Entry into ecosystems
 18
HDFC Life crossed a total AUM of

RS.100,000 CR. In FY 2017-18

64,500,000 LIVES insured by
HDFC LIFE

97.8% Individuals claims &

99.27% Group claims
ARE HONOURED.
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AWARDS & ACCOLADES

Excellence Won the Gold Mobexx

Got award Indian ‘Best
in Financial award at the Award
for Best Digital Insurance
Reporting LACP Vision 2017 for
ULIP policy Media Legal Team
for Annual Awards Mobile
of the year Awards for of the Year’
Report FY 2016/17 for Advertisin
“Click2Invest Best use of at the 7th
2016-17 by the third g
” by Money WAPP/HTML Indian Legal
ICAI consecutive Excellence
Today and other Era Awards
year in Rich
sites of
Media
mobile
Campaign

RED HAT WORLD MARKETING

INNOVATION CONGRESS AWARD for best
AWARD native advertising
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THANKS!