Life Insurance PortalsAugust-September 2008

Web Connect- Category level Snapshot

How ‘user-friendly’ is your website vis-à-vis the key competing websites among the

category users

The first user-response based syndicated research study tracking ‘user

friendliness’ of popular websites at the category level on a quarterly basis

Rating and ranking of websites using 20 distinct parameters that

measures both the ‘user friendliness’ and ‘satisfactory usage experience’

of a website

• Measures the ‘accessibility’, ‘appeal’, ‘navigability’ and ‘usage satisfaction’ index of the website vis-à-vis the key competitive websites in the category

• Eventually measures the overall ‘website user friendliness’ (WUF) Index of the website benchmarked against the key competitive websites in the category

Study Overview

Websites Tested• LIC India

• Max New York Life

• Reliance Life

• ING Vysya

• Bharti Axa Life

• Aviva Life

• HDFC Standard Life

• ICICI Pru Life

• Bajaj Allianz Life

User Friendliness Measuring Schema

Ease of Usage Usage Satisfaction

1. Browser Compatibility

2. Download Time

Ease of Access

Site is easily accessible Site is easy to use with hassle-free navigation Site delivers task accomplishment

16. Timeliness of task completion

17. Adequacy of task completion

18. Quality of usage experience

19. Perceived sense of security in

usage

20. Brand preference creation

10. Ease of locating task info

11. Ease of conducting the task

12. Navigation flow between pages

13. Navigational cues and helps

14. Error recovery

15. Customer responsiveness

User Friendly Interface

User Friendly Experience

Website User Friendliness

Accessibility Index Navigability Index Satisfaction Index

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3. Distinctive in identity (branding)

4. Presentation of content (layout)

5. Aesthetics (color, text, graphics)

6. User identification with the site

7. Ease of comprehension

8. Relevance of content

9. Relative quality of content

Design Appeal

Site is likeable and relevant

Appeal Index

User Friendly Interface Index (UFEX) User Friendly Experience Index (UZEX)

Category Level Website User Friendliness Index (WUF)

Overall Website User Friendliness*

Website WUF Index Relative Index

Reliance Life 5.5 100%

Bharti Axa Life 5.3 97%

Max New York Life 5.0 91%

HDFC Standard Life 4.8 88%

Aviva Life 4.4 81%

Bajaj Allianz Life 4.4 80%

ICICI Pru Life 4.1 75%

LIC India 3.9 72%

ING Vysya Life 3.6 66%

* Includes live ratings by both website’s own users as well as users of competitive websites

WUF Ratings - Users vs. Non-Users

Ratings by Website’s Users only

Ratings by Website’s Non-Users only

Reliance Life Bharti Axa Life

Max New York Life HDFC Standard Life

Bharti Axa Life Aviva Life

Bajaj Allianz Life ICICI Pru Life

HDFC Standard Life Bajaj Allianz Life

Aviva Life Max New York Life

LIC India Reliance Life

ICICI Pru Life LIC India

ING Vysya Life ING Vysya Life

Top Websites by the 4 Sub Parameters

User FriendlinessSub Parameter

Rank 1 Website by

Users (WUF Index)

Rank 1 Website byNon-users(WUF Index)

Ease of Access Reliance Life Bharti Axa Life

Design Appeal Reliance Life Bharti Axa Life

Ease of Usage/Navigation Reliance Life Bharti Axa Life

Usage Satisfaction Reliance Life Bharti Axa Life

Website User Friendliness Perceptual Map

Life Insurance Portals

* The nearer the brand is to an attribute, more strongly it is associated with that attribute as compared to the other attributes.

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Ease of Usage

Design Appeal

Ease of Access

ING Vysya Life

LIC India

ICICI Pru Life

Aviva Life

Bajaj Allianz Life

Max New York Life

HDFC Standard LifeBharti Axa Life

Reliance Life

Usage Satisfaction

Methodology• Online survey conducted using JuxtConsult’s own net users panel (

www.getcounted.net) and Google search ads (AdSense only)

• ‘Live’ ratings of websites by category users – a website’s current users and its potential users (user of competitive websites)

• Reporting sample of over 2,700 responses for the category – at least 240 respondents per website for the top 9 websites in the category. For each website, half the respondents were asked to ‘surf the homepage’ and half to ‘perform a relevant task’ on the website

• Findings of Life Insurance websites is representative of over 27 million online Indians

• Data made representative of online Indians across SEC classes, age groups, income groups and town classes (using appropriate 'demographic multipliers‘ from JuxtConsult India Online 2008 Study)

Respondent Profile – Life Insurance Portals

August-September 2008

Demographic Attributes Respondent Profile(Sample size – 2,740

Representation Size - 27 million)

Gender Male 84%

Female 16%

Age Distribution Below 13 years Not included in study

13-18 years 7%

19-24 years 35%

25-35 years 39%

36-45 years 13%

Above 45 years 6%

City Type Up to 1 Lakh 10%

(Population Size) 1-5 Lakhs 12%

5-10 Lakhs 49%

Above 10 Lakhs 29%

City Type Metro 33%

(Market Size) Urban uptowns 7%

Emerging Towns 17%

Others 43%

Demographic Attributes

Respondent Profile(Sample size – 2,740

Representation Size - 27 million)

Region-wise Distribution North 21%

East 15%

South 33%

West 31%

Socio-economic Classification SEC - A 31%

SEC - B 35%

SEC - C 24%

SEC - D 8%

SEC - E 2%

Monthly Household Income Up to Rs. 10,000 57%

Rs. 10,000 – Rs. 30,000 28%

Rs. 30,000 – Rs. 50,000 6%

Above Rs. 50,000 9%

Most Expensive Vehicle in the HH 4-wheeler 23%

2-wheeler 46%

Bi-cycle / others 16%

Don't own any vehicle 15%

Respondent Profile – Life Insurance Portals

August-September 2008

1. Overall WUF ratings# of the top websites in the category by current category users

and non-users (minimum 100 live test responses per website reported)

2. Comparative ratings of the user friendliness of their ‘user interface’ (UFEX) as well

as the ‘usage experience’ (UZEX)

3. Rating of each reported website on the 4 key website user-friendliness attributes

(and the 20 individual parameters within these 4 attributes):

• Accessibility (browser compatibility, download speed)

• Appeal (distinctive looks, organized layout, aesthetics, user identification, distinctive

content, content relevance, ease of comprehension)

• Navigability (ease of locating info, ease of conducting task, navigational cues, error

recovery, contactability/responsiveness)

• Usage Satisfaction (task completion, adequacy of solution)

4. Overall rankings also reported by key consumer segments**

5. Relative rankings of the attributes as considered important by users in choosing

between websites in the category

# all category level ratings are provided by respondents on a 5 point qualitative scale

** depending on the sufficiency of sample size of relevant respondents

Category Level User Friendliness Report

JuxtConsult Website User Friendliness Study

Pricing of Reports

* 12.36% service tax extra

Report One Time Report*(1 quarter report)

Annual Subscription*(4 quarterly reports)

Nos. Amount (Rs.) Nos. Amount (Rs.)

Category Level User Friendliness Report

1 150,000 per category 4 400,000 per category

• Payment Terms : One time Reports - 100% advance

: Annual Subscription - 50% advance, 50% before 3rd report

• Delivery Timeline : First Report – 1 week from date of order

: Quarterly Reports – By 15th of the month after quarter ends

• Report Delivery Format : PDF

Contact Details

• Address : 3, Kehar Singh Estate, 1st Floor, Westend

Marg, Lane 2, Said-ul-Ajaib, New Delhi – 110030

• Telephone : +91-11-29535098, +91-9811256502

• Contact Person : Sanjay Tiwari

• Email : sanjay@juxtconsult.com

• Website : www.juxtconsult.com

Thank You!