Amit Kumar Gouta

8/12/2019 Amit Kumar Gouta

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PREFACE

Preparing a project of this nature is an arduous task and Iwas fortunate enough to get support from a large number o

persons. I wish to express my deep sense of gratitude to all those

who generously helped in successful completion of this report by

sharing their invaluable time and knowledge.

It is my proud and previledge to express my deep regards to

Respected HODr.Pramesh Gautam, Head of epartment of

!usiness "anagement # SVN.I.T. SAGAR for allowing me to

undertake this project.

I feel extremely exhilarated to have completed this project

under the able and inspiring guidance of Mr.Mukesh

Shilpacharya rendered me all possible help me guidance while

reviewing the manuscript in finalising the report.

I also extend my deep regards to my teachers # family

members # friends and all those whose encouragement has infused

courage in me to complete to work successfully.

AMIT KMAR GPTA

M!A IV S"M.


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ACKNOWLEDGEMENT

Preparing a project of this nature is an arduous task and I was

fortunate enough to get support from a large number o persons. I wish to

express my deep sense of gratitude to all those who generously helped in

successful completion of this report by sharing their invaluable time and

knowledge.

It is my proud and previledge to express my deep regards to

Respected # Head of epartment Dr.Pramesh Gautam,epartment of

!usiness "anagement # S.V.N.I.T. SAGAR for allowing me to undertake

this project.

I feel extremely exhilarated to have completed this project under the

able and inspiring guidance of He rendered me all possible help me

guidance while reviewing the manuscript in finalising the report.

I also extend my deep regards to my teachers # family members #friends and all those whose encouragement has infused courage in me to

complete to work successfully.

AMIT KMAR GPTA

M!A IV S"M.


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DELCLARATION BY THE CANDIDATE

ate $

I declare that the %IP PRO&'() R'POR) O* !IR+, %-* +I'#

I*%-R,*(' %,/,R on "arket %egmentation is nay own work conducted

under the supervision of MR. MK"S# S#I$PA%#AR&A !R,*(H

",*,/'R# )o the best of my knowledge the report does not contain any

work # which has been submitted for the award of any degree # anywhere.

AMIT KMAR GPTA

M!A IV S"M.

CERTIFICATE


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)he project report SIP PR'("%T R"P'RT 'N !IR$A

SN $I)", INSRAN%" SAGAR been prepared by AMIT

KMAR GPTA M!A IV S"M. /uidance of MR.

MK"S# S#I$PA%#AR&A !RAN%# MANAG"R for the

partial fulfillment of the egree of "!,

Si*+ature of the Si*+ature of the Si*+ature of the

Superisor #ea- of the Departme+t "ami+er

CONTENTS

PREFACE

ACKNOWLEDGEMENT

CERTIFICATE


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DECLARATION

CHAPTER I INTRODUCTION

ABOUT PROJECT

AN INSIGHTOF COMPANY HISTORY

MISSION AND VISION

STANDING POSITION OF COMPANY

BRAND VALUE

CHAPTER II OBJECTIVE OF THE STUDY

CHAPTER III RESEARCH METHODOLOGY

CHAPTER IV MARKET ANALYSIS

OVERVIEW

BRANDS

CHAPTER V CONSUMER GROUPS CONSUMER BEHAVIOUR

CHAPTER VI PRODUCT PROFILE

PLAN FOR PRODUCT MIX

PRODUCT RANGE

CHAPTER VII MARKETING STRATEGY

PRICING

POSITION AND DISTRIBUTION

PROMOTION

CHAPTER VIII ABOUT COMPETITORS

COMPETITOR FOR PRODUCT

PRICE OF COMPETITOR PRODUCT

CHAPTER IX DATA ANALYSISAND INTERPRETATION

CHAPTER X LIMITATION

CHAPTER XI CONCLUSION & SUGGESTION

BIBLIOGRAPHYQUESTIONNAIRE

INTRODUCTION

Life insurance


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Life i!"#$%e Life A!!"#$%e i B#i'i!( E)*i!(+ i! $ ',-e .f i!"#$%e/ A!

i $** i!"#$%e0 '(e i!"#e1 '#$!fe#! $ #i!2 '. '(e i!"#e#/ T(e i!"#e1 -$,! $

-#e3i"3 $1 #e%ei4e! $ -.*i%, i e5%($)e/ T(e #i!2 $!!"3e1 6, '(e i!"#e#

i! '(e #i!2 .f 1e$'( .f '(e i!"#e1/

How life insurance works

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Wi'( $ i##e4.%$6*e 6eefi%i$#,0 '($' 6eefi%i$#, 3"!' $)#ee '. %($)e! i

6eefi%i$#,0 -.*i%, $!!i)3e'0 .# 6.##.8i) .f %$!( 4$*"e/

T(e -.*i%,0 *i2e $** i!"#$%e -.*i%ie!0 i! $ *e)$* %.'#$%' !-e%if,i) '(e

'e#3! $1 %.1i'i.! .f '(e #i!2 $!!"3e1/ S-e%i$* -#.4i!i.! $--*,0

i%*"1i) $ !"i%i1e %*$"!e 8(e#ei '(e -.*i%, 6e%.3e! "** if '(e i!"#e1

%.33i'! !"i%i1e 8i'(i $ !-e%ifie1 'i3e f.# '(e -.*i%, 1$'e "!"$**, '8.

,e$#!+/ A, 3i!#e-#e!e'$'i. 6, '(e .8e# .# i!"#e1 . '(e $--*i%$'i. i!

$*!. )#."1! f.# "**ifi%$'i./ M.!' %.'#$%'! ($4e $ %.'e!'$6i*i', -e#i.10

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i!"#e# ($! $ *e)$* #i)(' '. %.'e!' '(e %*$i3 $1 #e;"e!' $11i'i.$*

if.#3$'i. 6ef.#e 1e%i1i) '. -$, .# 1e, '(e %*$i3/
http://en.wikipedia.org/wiki/British_Englishhttp://en.wikipedia.org/wiki/Insurancehttp://en.wikipedia.org/wiki/Beneficiaryhttp://en.wikipedia.org/wiki/British_Englishhttp://en.wikipedia.org/wiki/Insurancehttp://en.wikipedia.org/wiki/Beneficiary


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T(e f$%e $3."' .f '(e -.*i%, i! .#3$**, '(e $3."' -$i1 8(e '(e -.*i%,

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6, *ife i!"#$%e %.3-$ie! i '(e Ui'e1 S'$'e!$1 '(ei# #e)"*$'.#! 8$!

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http://en.wikipedia.org/wiki/Actuaryhttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/1980shttp://en.wikipedia.org/wiki/Actuaryhttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/1980s


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'(e '(."!$1 -e.-*e '. %.4e# '(e e5-e%'e1 %*$i3!/ T(e i!"#$%e %.3-$,

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$!8e#! $#e 1"'if"**, #e%.#1e1/ Ce#'$i #e!-.!e! 6, '(e i!"#e1 8i** 6e

)i4e f"#'(e# i4e!'i)$'i./ Life i!"#$%e %.3-$ie! i '(e Ui'e1 S'$'e!

!"--.#' T(e Me1i%$* If.#3$'i. B"#e$"0 8(i%( i! $ %*e$#i)(."!e .f

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. $,.e/ T(e, $*.e 1e'e#3ie i!"#$6i*i',0 $1 !.3e -e.-*e0 f.# '(ei#

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f.# $11i'i.$* #i!2! #e*$'i4e '. '($' -$#'i%"*$# i!"#e1/

VISION
http://en.wikipedia.org/wiki/Adverse_selectionhttp://en.wikipedia.org/wiki/Group_Insurancehttp://en.wikipedia.org/wiki/Underwritinghttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/Medical_Information_Bureauhttp://en.wikipedia.org/wiki/Clearinghousehttp://en.wikipedia.org/wiki/Adverse_selectionhttp://en.wikipedia.org/wiki/Group_Insurancehttp://en.wikipedia.org/wiki/Underwritinghttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/Medical_Information_Bureauhttp://en.wikipedia.org/wiki/Clearinghouse


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T. 6e $ 8.#*1 %*$!! -#.4i1e# .f fi$%i$* !e%"#i', '. i1i4i1"$*! $1

%.#-.#$'e! $1 '. 6e $3.)!' '(e '.- '(#ee -#i4$'e !e%'.# *ife i!"#$%e

%.3-$ie! i I1i$

MISSION

T. 6e '(e fi#!' -#efe#e%e .f ."# %"!'.3e#! 6, -#.4i1i) i.4$'i4e0 ee1

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'e%(.*.),/

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(i)(e!' -.!!i6*e #e'"#! '. ."# !($#e(.*1e#!


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IRDA:

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1e4e*.-3e' i '(i! 1i#e%'i.0 3$2i) '(e e1 .f 3..-.*, i '(e i!"#$%e

!e%'.#/

)H* INSURANCE IN INDIA:

O*, .f '(e i!"#$%e -.-"*$'i. ($! 6ee e5'e1e1 %.4e#/

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T(e i!"#$%e 3$#2e' #e)i!'e#e1 )#.8'( i '(e A!i$ #e)i. e4e '(.")(

I1i$


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!(..'! "-/ T(e %.fe1e#$'i. .f I1i$ I1"!'#, -#.=e%'e1 $ )#.8'( .f Life

I!"#$%e -#e3i"3! f#.3 R!/ Bi**i. $' -#e!e' '. R!/> Bi**i./ T(e

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i!"#e#/

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!.3e #e%e' i!!"e! '($' ($4e 6ee #$i!e1 #e)$#1i) $! '. 8($' %.!'i'"'e! '(e

#"#$* 3$#2e'/ T(e#ef.#e0 -#i4$'e i!"#e#! 8i** 6e 6e!' !e#4e1 6, 3i11*e

3$#2e' $--#.$%(0 '$#)e'i) '(e %"!'.3e# !e)3e'! '($' $#e -#e!e'*,

"e5-*.i'e1/

H.8 3$, I1i$! $#e $8$#e '($' LIC ($! 3.#e '($ P#.1"%'! $1

GIC ($! 3.#e '($ >@P#.1"%'! N.' .*, '(e#e i! $ #e1"%'i. i '(e

-#e3i"3! .f Life I!"#$%e -#.1"%'! ($4e *.) .4e#1"e !i%e I1i$

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1e-$#'3e'!/ T$#iff! #e1"%'i. i! *i2e*, '. #e1"%e -#.fi'!7 f"#'(e# i!"#e#!

($4e '. i!'i'"'e -#.-e# %*$i3! 3$$)e3e' -#.)#e!! i .#1e# '. e5'#$%'


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effi%ie%ie!/ A' -#e!e' *ife i!"#$%e 6"!ie!! i '(e %."'#, i! '$5e1 $'

>/ .f '(e -#.fi' i fi$%i$* ,e$#/ T(e ).4e#3e' i! !.. '. -#e!e' $

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http://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/insplans_indiv_protection.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/bsl_termplan.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/bsl_premiumterm.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/insplans_indiv_savings.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_goldplus.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_supremelife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_dreamplan.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_classiclifepremier.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_simplylife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_primelifepremier.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_primelife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_lifecompanion.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_cashflow.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_endowment.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_lifeline.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_singlepremium.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/insplans_indiv_protection.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/bsl_termplan.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Protection/bsl_premiumterm.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/insplans_indiv_savings.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_goldplus.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_supremelife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_dreamplan.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_classiclifepremier.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_simplylife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_primelifepremier.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_primelife.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_lifecompanion.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_cashflow.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_endowment.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_lifeline.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Savings/bsl_singlepremium.aspx


22/56

Re%ire&en%

F*e5i Se%"#e Life Re'i#e3e' P*$ II

Chil"ren

C(i*1#e9! D#e$3 P*$

Rural

Bi3$ K$4$%( Y.=$$
http://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Retirement/insplans_indiv_retirement.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Retirement/bsl_securelife2.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Children/insplans_indiv_children.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Children/bsl_childrendream.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Rural/insplans_indiv_rural.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Rural/bsl_bimakavach.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Retirement/insplans_indiv_retirement.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Retirement/bsl_securelife2.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Children/insplans_indiv_children.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Children/bsl_childrendream.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Rural/insplans_indiv_rural.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Rural/bsl_bimakavach.aspx


23/56

Re%ire&en%

O"# Re'i#e3e' P*$! $**.8 ,." '. 3ee' ,."# e5-e!e! $1 6"i*1 $ e!'

e))0 8(i%( )i4e! ,." '(e f#ee1.3 '. *i4e *ife '. '(e f"**e!' e4e $f'e#

#e'i#e3e'/

T(e -.!' #e'i#e3e' ,e$#! %$ 6e '(e 6e!' ,e$#! .f ,."# *ife/ Ti3e '. 1.

'(i)! ,." %."*19' ($4e 1.e 8(i*e ,." 8e#e 8.#2i)/ A #i)(' fi$%i$*

-*$i) 3$2e! ,."# -.!' #e'i#e3e' ,e$#! '#"*, ).*1e / O"# S" Life

!e%"#e Life II $!!"#e! ,." ="!' '($'/

Ri"ers

A%%i1e'$* De$'( $1 Di!3e36e#3e' Ri1e#

Te#3 Ri1e#

C#i'i%$* I**e!! Ri1e#

W$i4e# .f P#e3i"3

C#i'i%$* I**e!! P*"! Ri1e#

C#i'i%$* I**e!! : W.3$ Ri1e#
http://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/insplans_indiv_riders.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_accidental.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_term.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illness.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_waiver.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illnessplus.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illnesswoman.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/insplans_indiv_riders.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_accidental.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_term.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illness.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_waiver.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illnessplus.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/BSLI_InsPlans/Individual/Riders/rider_illnesswoman.aspx


24/56


25/56

+RODUCTS

Life i ! "-#e1i%'$6 *e / B"' i f$%e .f $14e#! i',0 ."#

#e!-.!i6i*i' ie! '.8$#1! ."# -$#e'!0 %(i*1#e $1 *.4e1 .e!

ee1 .' 6e %.3-#.3i!e1/ I!"#$%e -*$i) e;"i-! ,." '.

!3..'( ."' '(e "%e#'$i'ie! $1 $14e#!i'ie! '($' *ife 3i)(' !e1

,."# 8$,0 !. '($' '(e 6e!' '($' * ife ($! '. .ffe#0 !e%"#e i '(e

2.8*e1)e '($' ,."# 6e*.4e1 .e! $#e 8e** -#.4i1e1 f.#/

BSLI .ffe#! $ %.3-*e'e #$)e .f i!"#$%e -#.1"%'!

3/ +ro%ec%ion +lans

'2 Sa,in#s +lans

42Chil" +lans

52 In,es%&en% +lans

62Re%ire&en% +lans

720rou$ +lans

82Rural +lans

92+lans for NRIs

2 ;e!&an +lans

3(2Ri"ers

Insurance Plans
http://www.iciciprulife.com/ipru/protection1.jsphttp://www.iciciprulife.com/ipru/savings1.jsphttp://www.iciciprulife.com/ipru/childplan1.jsphttp://www.iciciprulife.com/ipru/investment1.jsphttp://www.iciciprulife.com/ipru/retire1.jsphttp://www.iciciprulife.com/ipru/groupplan1.jsphttp://www.iciciprulife.com/ipru/ruralplan1.jsphttp://www.iciciprulife.com/ipru/nriplan1.jsphttp://www.iciciprulife.com/ipru/keymanplan1.jsphttp://www.iciciprulife.com/ipru/riders.jsphttp://www.iciciprulife.com/ipru/protection1.jsphttp://www.iciciprulife.com/ipru/savings1.jsphttp://www.iciciprulife.com/ipru/childplan1.jsphttp://www.iciciprulife.com/ipru/investment1.jsphttp://www.iciciprulife.com/ipru/retire1.jsphttp://www.iciciprulife.com/ipru/groupplan1.jsphttp://www.iciciprulife.com/ipru/ruralplan1.jsphttp://www.iciciprulife.com/ipru/nriplan1.jsphttp://www.iciciprulife.com/ipru/keymanplan1.jsphttp://www.iciciprulife.com/ipru/riders.jsp


26/56

BSLI .ffe#! Life0uar" : $ !e' .f -"#e -#.'e%'i. -*$!/ C(..!e

f#.3 $3.)!' '(#ee 1iffe#e' -#.1"%' !'#"%'"#e! '. i!"#e ,."#

*ife $1 -#.4i1e '.'$* !e%"#i', '. ,."# f$3i*,0 $ ' $ 4e #,

$ff.#1$6*e %.!'/

Le,el Ter& Assurance wi%h re%urn of $re&iu&

O 1e$'( '(e e'i#e !"3 $!!"#e1 8i** 6e -$i1/

O 3$'"#i',0 $** '(e -#e3i"3! -$i1 8i** 6e #e'"#e1/

Le,el Ter& Assurance wi%hou% re%urn of $re&iu&

O 1e$'( '(e e'i#e !"3 $!!"#e1 8i** 6e -$i1/

N. !"#4i4$* .# 3$'"#i', 6eefi'!/

Y." %$ $*!. e($%e '(e $6.4e '8. -.*i%ie! 6, $11i) A%%i1e'

& Di!$6i*i', Beefi' Ri1e# $1 W$i4e# .f P#e3i"3 Ri1e# WOP+ /

Le,el Ter& Assurance < Sin#le $re&iu&:

O 1e$'( '(e e'i#e !"3 $!!"#e1 8i** 6e -$i1/

N. !"#4i4$* .# 3$'"#i', 6eefi'!

Protection Plans
http://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#fhttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#f


27/56

BSLI .ffe#! $ 4$#ie', .f -.*i%ie! '($' )i4e ,." '(e 6eefi'! .f

-#.'e%'i. $1 '(e .--.#'"i', '. !$4e f.# i3-.#'$' $!!e'! .#e4e'!0 *i2e $ (.3e0 $ %$# .# $ 8e11i)/

A #e)"*$# -#e3i"3 "i':*i2e1 i!"#$%e -*$ 8i'( $ $!!"#$%e

.f C$-i'$* G"$#$'ee 8i'( '(e $11e1 $14$'$)e .f f *e5i6*e

*i;"i1i', .-'i./ A i1e$* -*$ f.# *.) 'e#3 -*$i) 8i'( '(e6eefi' .f *i;"i1i',/

The ke! fea%ures of %he $lan are:

F*e5i6i*i ', '. %(..!e $ !-e%ifi% *e4e* .f -#.'e%'i. S"3

A!!"#e1+0 6$!e1 . $ 3"*'i-*e .f '(e $"$* -#e3i"3/ Y."

%$ $*!. %(..!e '(e 'e#3 .f '(e -*$/

A' '(e e1 .f '(e 'e#30 '(e (i)(e# .f '(e 4$*"e .f "i'! .#

'(e )"$#$'ee1 4$*"e i! -$i1/ O 1e$'(0 S"3 A!!"#e1

$*.) 8i'( '(e (i)(e# .f 4$*"e .f "i'! .# '(e )"$#$'ee1

4$*"e i! -$,$6*e/

F$%i* i', '. 3$2e 8i'(1#$8$*! f#.3 '(e '( -.*i%, ,e$#

.8$#1! 'i** '(e e1 .f '(e -.*i%, 'e#3/ E4e#, ,e$# 8i'(1#$8 "- '. > .f '(e 4$*"e .f "i'!/

A11i'i.$* %#e1i'! -$,$6*e $! $ -e#%e'$)e .f '(e ii'i$*

$"$* -#e3i"3 $#e -$i1 $*.) 8i'( '(e 1e$'( .# 3$'"#i',

6eefi'/

A11i'i.$* i!"#$%e f.# > ,e$#! $f'e# '(e 3$'"#i',0 f.# $

$3."' .f .f '(e S"3 A!!"#e1/

Savings Plans


28/56

F*e5i6i*i', '. 3$2e $11i'i.$* i4e!'3e' 8i'( '(e (e*- .f

'(e '.-:"- f$%i*i',/

F*e5i6i *i ', '. i%#e$!e 1e%#e$!e ,."# $"$* -#e3i"3

$3."'

F$%i*i', .f A"'.3$'i% P#e3i"3 P$,3e': Wi'( '(i! f$%i*i',

,." %$ '$2e $ 'e3-.#$#, 6#e$2 f#.3 -#e3i"3 -$,3e'/

T.'$* '#$!-$#e%, 8i'( '(e -#e3i"3 $**.%$'i.!0 $1 .'(e#

%($#)e! 1e%*$#e1 "-f#.'/

T(e )"$#$'ee1 4$*"e .f '(e "i' f"1 i! '(e 4$*"e .f $**

i4e!'e1 -#e3i"3! -#e3i"3! e' .f $* * %($#)e!+ $*.)

8i'( '(e 1e%*$#e1 6."! i'e#e!'!/

Wi'( A"'.3$'i% P#e3i"3 P$,3e' f$%i*i',0 ,." %$ $4$i* $

'e3-.#$#, 6#e$2 f#.3 -#e3i"3 -$,3e' f.# $ 3$5i3"3 .f >

,e$#/ T(i! f$%i*i ', i! $4$i*$6*e .%e if '(e -#e3i"3 -$,i)

'e#3 i! *e!! '($ > ,e$#! $1 '8i%e0 if i' i! > ,e$#! .# 3.#e/

Y." %$ $*!. e($%e ,."# -.* i%, 6, $11i) A%%i1e' &

Di!$6i*i ', Beefi' Ri1e#0 W$i4e# .f P#e3i"3 Ri1e# $1

C#i'i%$* I**e!! Ri1e#/

A #e)"*$# -#e3i"3 "i':*i2e1 i!"#$%e -*$ 8i'( $ $!!"#$%e

.f C$-i'$* G"$#$'ee A i1e$* -*$ f.# ,."# *.):'e#3 !$4i)!

$1 -#.'e%'i. #e;"i#e3e'/
http://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#fhttp://www.iciciprulife.com/ipru/riders.jsp#ahttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#chttp://www.iciciprulife.com/ipru/riders.jsp#fhttp://www.iciciprulife.com/ipru/riders.jsp#a


29/56

The ke! fea%ures of %he $lan are

F*e5i6i*i', '. %(..!e $ !-e%ifi% *e4e* .f -#.'e%'i. Su&

Assure"+0 6$!e1 . $ 3"*'i-*e .f '(e $"$* -#e3i"3/ Y." %$$*!. %(..!e '(e 'e#3 .f '(e -*$/

A' '(e e1 .f '(e 'e#30 '(e (i)(e# .f '(e 4$*"e .f "i'! .#

'(e )"$#$'ee1 4$*"e i! -$i1/ O 1e$'(0 S"3 A!!"#e1 $*.)

8i'( '(e (i)(e# .f 4$*"e .f "i'! .# '(e )"$#$'ee1 4$*"e i!

-$,$6*e

A11i'i.$* %#e1i'! -$,$6*e $! $ -e#%e'$)e .f '(e ii'i$*

$"$* -#e3i"3 $#e -$i1 $*.) 8i'( '(e 1e$'( .# 3$'"#i ',

6eefi'/

A11i'i.$* i!"#$%e f.# > ,e$#! $f'e# '(e 3$'"#i',0 f.#

$ $3."' .f .f '(e S"3 A!!"#e1/

F*e5i6i*i', '. 3$2e $11i'i.$* i4e!'3e' 8i'( '(e (e*-

.f '(e%o$


30/56

T(e )"$#$'ee1 4$*"e .f '(e "i ' f"1 i! '(e 4$*"e .f $ **

i4e!'e1 -#e3i"3! -#e3i"3! e' .f $** %($#)e!+ $*.) 8i'(

'(e 1e%*$#e1 6."! i'e#e!'!/

Wi'( A"'.3$'i% P#e3i"3 P$,3e' f$%i*i ',0 ,." %$ $4$i* $

'e3-.#$#, 6#e$2 f#.3 -#e3i"3 -$,3e' f.# $ 3$5i3"3 .f >

,e$#/ T(i! f$%i*i ', i! $4$i*$6*e .%e if '(e -#e3i"3 -$,i)

'e#3 i! *e!! '($ > ,e$#! $1 '8i%e0 if i' i! > ,e$#! .# 3.#e/

T(e %$-i'$* )"$#$'ee i ! $--*i%$6*e .*, . '(e i4e! 'e1

-#e3i"3 $1 '(e 1e%*$#e1 6."! i'e#e!'!/

Y." %$ $ *!. e($%e ,."# -.* i%, 6, $11i) A%%i1e' &

Di!$6i*i', Beefi' Ri1e#0 W$i4e# .f P#e3i"3 Ri1e# $1 C#i'i%$*

I**e!! Ri1e#/

A "i ': *i2e1 i!"#$%e - *$ 8i'( $ $!!"#$%e .f C$-i'$*

G"$#$'ee 8(i%( .ffe#! ,." '(e 6eefi' .f $ * i3i'e1 -#e3i"3

-$,3e' 'e#3/ A i1e$* -*$ f.# -#.'e%'i. 8i'( 8e$*'( %#e$'i.

'($' .ffe#! '(e f*e5i6i*i', .f $ *i3i'e1 -#e3i"3 -$,i) 'e#3/

F*e5i6i*i ', '. %(..!e $ -#e3i"3 -$,3e' 'e#3 .f 0 .# >

,e$#! f.# $ 3$'"#i', 'e#3 .f >0 > .# ,e$#! #e!-e%'i4e*,/

F*e5i6i *i ', '. %(..!e $ !-e%if i% *e4e* .f -#.'e%'i. S"3

A!!"#e1+0 6$!e1 . $ 3"*'i-*e .f '(e $"$* -#e3i"3/

A' '(e e1 .f '(e 'e#3 3$'"#i',+0 '(e (i)(e# .f '(e 4$*"e .f

"i'! .# '(e )"$#$'ee1 4$*"e i! -$i1/ O 1e$'(0 S"3 A!!"#e1

$*.) 8i'( '(e (i)(e# .f 4$*"e .f "i'! .# '(e )"$#$'ee1 4$*"e

i! -$,$6*e/


31/56

A11i' i.$* %#e1i '! -$,$6*e $! $ -e#%e'$)e .f '(e ii 'i$*

$"$* -#e3i"3 $#e -$i1 $*.) 8i'( '(e 1e$'( .# 3$'"#i ',

6eefi'/

F$%i* i', '. 3$2e 8i'(1#$8$*! f#.3 '(e '( -.* i%, ,e$#

.8$#1! 'i** '(e e1 .f '(e -.*i%, 'e#3/ E4e#, ,e$# 8i'(1#$8

"- '. > .f '(e 4$*"e .f "i'!

F*e5i6i*i', '. 3$2e $11i'i.$* i4e!'3e' 8i'( '(e (e*- .f '(e

'.-:"- f$%i*i',/

F*e5i6i*i', '. i%#e$!e 1e%#e$!e ,."# $"$* -#e3i"3 $3."'

T.'$* '#$!-$#e%, 8i'( '(e -#e3i"3 $**.%$'i.!0 $1 .'(e#

%($#)e! 1e%*$#e1 "-f#.'/

T(e )"$#$'ee1 4$*"e .f '(e "i ' f"1 i! '(e 4$*"e .f $ **

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4.AXIS BANK ON 7 Ps FRAMEWORK:-

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CENTRALISED +HONE /AN;IN0 CENTRE

T(e B$2is .ank is co&$e%in# now: *$2(! 8i'( 93.e, 6$%2 -.*i%ie! 9 / He%e0 '(e 3$#2e'($! -.'e'i$*/ T(e -#i4$'e $1 f.#ei) i!"#$%e %.3-$ie! '($'

$#e '$2i) i33e1i$'e !'e-! %$ '$- i' e$!i*, & #$-i1*,/


53/56

SU00ESTIONS

>+ E4e '(.")( 3.!' .f '(e -.*i%, (.*1e#! $#e !$'i!fie1 8i'(

-.*i%ie!0 -*$! '(e, ($4e 6"' !.3e e8 $''#$%'i4e i!"#$%e -*$! !(."*1

6e i'#.1"%e '. 6i1 '(e3 .' '. !8i'%( .4e# '. .'(e# %.3-$ie!

i!"#$%e -*$!/

+ T(e %.3-$, !(."*1 fi1 ."' '(e ./ .f -e.-*e 8(. $#e .'($4i) $, .f '(e i!"#$%e -*$! '(#.")( $ i'e!i4e 3$#2e' #e!e$#%(

$1 3.'i4$'e '(e3 '. )e' i!"#e1/

+ Le4e#$)i) 'e%(.*.), '. !e#4i%e %"!'.3e#! ;"i%2*,0 effi%ie'*,

$1 %.4eie'*,/

+ De4e*.-i) $1 i3-*e3e'i) !"-e#i.# #i!2 3$$)e3e' $1

i4e!'3e' !'#$'e)ie! '. .ffe# !"!'$i$6*e $1 !'$6*e #e'"#! '. ."#

-.*i%,(.*1e#!/

+ C.3-$, !(."*1 '$#)e' e$%( $1 e4e#, %*$!! .f '(e !.%ie',

+ C.3-$, !(."*1 -#.4i1e f"** if.#3$'i. '. '(e %"!'.3e#!

6ef.#e '$#)e'i) !. '(e, %$ '$2e i'e#e!'


54/56

LIMITATIONS

S.3e .f '(e #e!-.1e'! 8e#e .' %..-e#$'i4e/

S.3e #e!-.1e'! 8e#e (e!i'$'i) '. )i4e 6"!ie!! 1e'$i*!/

Bi$!e!! i! $.'(e# *i3i'$'i. '($' '(e !%.-e .f '(e !"#4e,/

T(e #e*i$6i*i', $1 !%.-e .f !"#4e, )#e$'*, #e*ie! . '(e %..-e#$'i.

.f '(e #e!-.1e'!/


55/56

/I/IOLIO0RA+H*

888/Bi#*$S"*ife/%.3

888/ i#1$/ ).4/ i

Bi#*$!"*ife Ne8 A14i!.# B..2

888/)..)*e/%.3


56/56

ues%ionnaire

Na&e:2222222222222222222222222222222 A#e:22

ues23 )hich /irla Sun Life Sche&e "oes !ou ha,e@

aF Life .F Re%ire&en% cF Heal%h

ues2' Are !ou sa%isfie" wi%h %he Insurance $lan !ou ha,e@

aF *es .F No

ues24 )ha% a%%rac% !ou %owar"s /irla Sun Life +lans@

aF

.F

cF

"F

ues25 Are !ou sa%isfie" wi%h %he ser,ices $ro,i"e" .! %he co&$an!

re#ar"in# new $lans an" sche&es@

aF *es .F No

ues26 Are !ou in%eres%e" %o &ake &ore in,es%&en%s in /irla Sun Life @aF *es .F No

ues27 Ha,e !ou an! o%her Insurance +lan a$ar% fro& /irla Sun Life@

aF *es .F No

ues28 If !es %hen of which Life Insurance Co&$an!@

aF LIC .F /aBaB AllianG

cF /irla Sunlife "F Reliance

eF O%hers

ues29 If !ou #e% an! a%%rac%i,e $lan %han are !ou rea"! %o swi%ch o,er@

aF *es .F No

Su##es%ions:

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Amit Kumar Gouta