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Career as LIC Agent
STAND OUT FROM THE CROWD

This Career Opportunity is
                  Not for Everybody,

It is only for those who
                     Want to be Somebody.
Job Profile of LIC Agent
The main job of LIC Agent involves:
• Prospecting:       Identifying   the
  prospective customers and fixing
  appointment.
• Need Analysis: Identifying the needs
  and getting the prospect agree that
  need exists. (i.e. Family Income
  Provision, Children Education and
  Marriage Provision or Retirement
  Income Provision.)
Job Profile of LIC Agent
• Plan Presentation: Suggesting suitable
  plans that fulfil the needs as agreed by
  the prospect.
• Closing the Sale: Convincing the
  prospect that you have suggested the
  best possible solution for his needs
  and ask for the order.
• After Sales Service: Provide efficient
  after sales service and claims
  settlement.
Attributes you should possess
To become Successful LIC Agent:
• You should be outgoing and love to meet
  people.
• You should be ambitious to start your own
  Business.
• You should have Good Communication
  Skills.
• You should have lot of Perseverance.
• You should be willing to work hard with lot of
  Dedication and Devotion.
• You should be willing to accept rejections as
  stepping stones.
Benefits of LIC Agency
            as a Career
• LIC agency is considered today as the
  highest paid profession in the world.
• It also provides you with the Royalty Income.
• You can start your own Business with less
  Capital Investment.
• You have freedom to set your own working
  hours.
• You have the opportunity to earn as per your
  potential.
• Your work gets easier and less demanding
  as your business grows.
Market Potential
1.   Indian Insurance Market:
•    It is one of the least Insured Market in the world.
•    Out of total insurable population only 40% are
     covered till today.
•    These 40% also are also not adequately covered.
•    Only 20% of total agency force is working as
     Professionals, and these 20% brings 80% of total
     life Insurance business.
•    We will help build your career as a professional
     agent and make sure that you will be among these
     top 20% agents.
Market Potential
2. Growth Opportunities:
  a.   Low Insurance Penetration.
  b.   Low Insurance Density.
  c.   Low share of world premium.
  d.   High per capita Savings.
  e.   Increase in working population.
  f.   Growth in personal Income.
  g.   High Consumer Awareness.
  h.   Strong LIC brand.
Market Potential
a. Low Insurance Penetration:
•   Insurance penetration is measured by
    Premium as a percentage of GDP.
•   We will come to know about the
    potential when we compare the
    difference in penetration level in India
    with other countries of the world.
Country          Penetration
                          (%)      The penetration level
    Taiwan              13.90      in India for the year
 South Africa           10.20      2011-12 is about 24%
  Hong Kong             10.10      of Taiwan, 33% of
     Japan               8.80      South Africa and 34%
United Kingdom           8.70
                                   of Hong Kong.
                                   The above figures
    Finland              7.70
                                   show that there is
 South Korea             7.00
                                   tremendous potential
    France               6.20      available in India to
  Switzerland            5.50      match the figures of
  Singapore              4.30      Asian    and    other
     India               3.40      countries    of   the
 Source: Swiss Re, Sigma 03/2012   world.
Market Potential
b. Low Insurance Density:
 • Insurance Density is the ratio of
   premium to total Population.
 • We will come to know about the
   potential when we compare the
   difference in Insurance Density in
   India with that of other countries of
   the world.
Country           Density in   Insurance Density for
                         USD
                                   the year 2011-12 in
  Switzerland            4421
                                   India is just 21% of the
     Japan               4138
                                   world average and
  Hong Kong              3442
                                   only       1.11%      of
United Kingdom           3347
                                   Switzerland.
     Taiwan              2757
     France              2638      There is huge potential
   Singapore             2296
                                   available just to reach
                                   the world average and
 United States           1716
                                   to reach the figures of
  South Korea            1615
                                   Asian     and     other
      India               49
                                   countries the scope is
 World Average           229
Source: Swiss Re, Sigma 03/2012
                                   phenomenal.
Market Potential
c. Low Volume of Life Insurance Premium:
                     Market
Rank    Country
                      Share   Looking at the
 1.       USA        20.46%
                              very low volume
 2.      Japan       19.97%
                              of life insurance
 3.        UK        8.00%
                              premium of India,
 4.      France      6.65%
                              we can assess the
 5.      China       5.12%
 6.     Germany      4.33%
                              available potential
 7.       Italy      4.00%    of    Indian  Life
 8.    South Korea   3.01%    Insurance Market.
 9.      Taiwan      2.44%
 10.      India      2.30%    Source: Swiss Re, Sigma 03/2012
Market Potential
d. High per capita Savings:
• Indian household saving in financial sector
  is 32% of gross domestic savings for the
  year 2007-08. The share of life Insurance
  premium was 17.9% of gross house hold
  savings.
• Indian house holds saves more than those
  in other emerging markets like China and
  Brazil. The corresponding house hold
  savings in Brazil are 5%, China-15%, UK-
  2%, USA-1% of gross domestic savings.
  (Source: “National Income Statistics,” July 2010, CMIE).
Market Potential
e. Increase in working population:
• India has about 40% of young population at
  present i.e. age group 20 to 49 years. This is
  expected to grow to 45% by the year 2020. The
  income level of this group is rising and with
  increasing life expectancy and concept of nuclear
  family the need for life insurance will also increase.
• Research by Morgan Stanley shows that India‟s
  working-age population will increase by 136 million
  by 2020. (China‟s working-age population, by
  comparison, will grow by 23 million.)
  The expected increase in young working
  population shows the potential available in India
  for Life Insurance Business.
Market Potential
f. Growth in personal Income:
    As per report of National Council of Applied
    Economic Research (NCAER) 2009-10:
•   There are 28.4 million families with incomes
    between Rs 2 lakh and Rs 10 lakh per annum.
    (This is as per the World Bank definition of
    middle class.)
•   The number of such households was 4.5
    million in 1995-96 and 10.7 million in 2001-02.
•   These households are expected to grow 4
    times in next 10 years.
•   The report said that two thirds of the Indian
    middle class is to be found in urban India.
Market Potential
f. Growth in personal Income:
  Report on the savings pattern states that:
  83% save for emergencies,
  81% for Children‟s education
  69% for old age,
  63% to meet future expenses towards
  marriages, birth and social ceremonies.
  The above pattern indicates tremendous
  scope for life Insurance products.
Market Potential
f. Growth in personal Income:
  As per report of Confederation of Indian Industry
  (CII) and Ernst and Young in September 2010, The
  projected per capita GDP of India is expected to
  increase from `18,280 in FY 2001 to `1,00,680 in FY
  2026, which is indicative of rising disposable
  incomes.
  A recent study by McKinsey also predicts that
  India‟s economy will grow fivefold in the next 20
  years.
  The demand for insurance products is expected to
  increase in light of the increase in purchasing
  power.
Market Potential
g. High Consumer Awareness:
•   Splitting of joint families, absence of social
    security scheme and opening up of Insurance
    sector has contributed to increased awareness
    about life Insurance.
•   Rigorous advertisement by 24 life Insurance
    companies has made people realize about
    importance of Life Insurance.
•   The total First year Premium of life insurance
    industry has increased from `9,707 crores in the
    year 2000-2001 to `1,25,826 Crores in the year
    2010-11, showing a compounded annual growth of
    29.20%.
Market Potential
g. High Consumer Awareness:
• As per report of BCG (Boston consulting group) and
  FICCI of April 2011 “India Insurance: Turning 10,
  Going on 20”, it is estimated that life insurance sector
  will grow at the rate of 20% to 22% during the next 10
  years i.e the estimated premium during the year 2020-
  2021 will be in the range of `15 lakh crores to ` 20
  lakhs crores.
  At present India is ranked 10th in global life insurance
  industry with market share of 2.30%. By the year 2020
  it is likely to be one of top three life insurance markets
  behind China and USA, it will overtake the Japan,
  British, France and Germany markets.
Market Potential
h. Strong LIC Brand:
  You will be associated with one of the
  leading Life Insurance Company of
  the world.
  The brand image of LIC of India is
  huge, people in India identifies life
  Insurance as LIC only.
  Thus selling life Insurance policies for
  LIC of India is much easier.
Market Potential
 Market Share of LIC of India as on 31/03/2012 is as under:
                            First Year
                                         Market   Number of     Market
                            Premium
                                         Share     Policies     Share
                            in Crores
       LIC of India          81,513      71.36%   3,57,50,763   80.90%

 All 23 Private Companies    32,717      28.64%   84,42,021     19.10%

          Total             1,14,230              4,41,92,784


The above figures shows dominance of LIC of India
even after 12 years of opening of the Insurance sector
to private companies.
Summary of Market Potential
•   The least Insured life Insurance Population,
•   Paucity of Professional Agents,
•   Low Insurance Penetration and Density,
•   Low Volume of Life Insurance Premium,
•   High rate of personal savings,
•   Young working population,
•   Burgeoning Middle and Higher income class,
•   Rising Insurance awareness and
•   Strong Brand image of LIC of India
    All these positive aspects provide you with
    tremendous opportunity to build your career
    as a Professional LIC agent.
Remuneration
• The remuneration will be paid to you in the
  form of Commission as percentage of
  premium collected through the policies sold
  by you.
• It is not a one time commission on a sale
  made by you.
• It provides you the royalty income through
  out the term of policy. As long as
  policyholder pays the Premium you will get
  the commission.
• Moreover this commission is hereditary i.e. it
  will be paid to your nominees even after your
  death.
Remuneration
  The Commission rates on regular
  premium policies are as under:
• First year Commission       : 4% to 25% depending
                 up on the type & term of the policy.
• Bonus Commission            : 40% of first year
                              commission.
• Renewal Commission:
  2nd and 3rd Year of Policy : 2% to 10% depending
                 up on the type & term of the policy.
  4th year onwards            : 2% to 6% depending
                 up on the type & term of the policy.
Remuneration
  Example of Commission on Endowment type
  of policy of Term 15 years and above:
• 1st Year Commission      : 25% of Premium.
  Bonus Commission         : 40% of first year
           Commission (i.e. 10% of Premium)
  Total 1st Year Commission: 35% of Premium
• Renewal Commission:
  2nd & 3rd Year of policy : 7.5% of Premium
  4th Year onwards         : 5% of Premium
Your Expected Commission as per Endowment
Commisison rates will be as under for Next 5 years:
Expected                   Expected Commission
Premium     1st year   2nd year   3rd year    4th year    5th year
12,00,000   4,20,000     90,000     90,000      60,000      60,000

24,00,000              8,40,000    1,80,000    1,80,000    1,20,000
36,00,000                         12,60,000    2,70,000    2,70,000
48,00,000                                     16,80,000    3,60,000
60,00,000                                                 21,00,000
 TOTAL      4,20,000   9,30,000 15,30,000 21,90,000 29,10,000

As Years pass by your Renewal Commission keeps on
increasing thereby assuring you a pension for the next
20 to 25 years when you stop working OR
to your family in event of your death.
Remuneration
We will make sure through
our meticulous training that
your earnings should be as
per the chart shown,
but that requires willingness
on your part to take lot of
physical pain.
Club Memberships
Club Membership is the
recognition bestowed upon
the agents to increase their
status in the society and in
the Corporation.
Club Memberships
    Following are the levels of club membership
    depending up on the Business performance:
•   Distinguished Club Member.
•   Branch Manager‟s Club Member.
•   Divisional Manager‟s Club Member.
•   Zonal Manager‟s Club Member.
•   Chairman‟s Club Member.
•   Corporate Club Member.
Club Memberships
     Following additional benefits are given over
     and above the commissions‟ payable:
1.   Office Allowance to maintain your own
     office.
2.   Telephone/Mobile bill reimbursement.
3.   Reimbursement of Sales Promotional Gift
     items.
4.   Interest free advance for purchase of
     Car/Motorbike.
5.   Interest free advance for purchase of office
     equipments.
6.   Interest free advance for Training.
Club Memberships
7. Interest free Festival Advance.
8. Housing loan at concessional rate of
    interest.
9. Term Insurance and Mediclaim benefits.
10. Guest house facility throughout India at
    concessional rates as applicable to
    employees.
11. Annual Convention.
12. Attestation authority.
Club Memberships
The       total    monetary
equivalent of all above
benefits ranges from `5,500
to `5,50,000, depending up
on      level   of     Club
Membership.
Gratuity
Agents are entitled to get the gratuity at
age 60/65 years after serving for
minimum 15 years.
At present the Maximum Gratuity
amount payable is `2,00,000 depending
up on the amount of renewal
commission paid during last 15 years
before age 60.
International Recognition
             from MDRT
• Founded in 1927, the Million Dollar Round Table
  (MDRT), The Premier Association of Financial
  Professionals, is an international, independent
  association of nearly 36,000 of the world's leading life
  insurance and financial services professionals from
  more than 430 companies in 78 countries.
• MDRT members demonstrate exceptional professional
  knowledge, strict ethical conduct and outstanding
  client service.
• MDRT membership is recognized internationally as
  the standard of sales excellence in the life insurance
  and financial services business.
International Recognition
           from MDRT
• To qualify for the membership of
  MDRT agents have to earn the
  prescribed First Year Commission
  excluding the Bonus Commission
  OR brings prescribed First Year
  Premium during the Calendar year.
International Recognition
               from MDRT
There are three levels of Membership with criteria for MDRT 2014:

                                             First Year    First Year
 Sr.
            Membership           Criteria   Commissio      Premium
 No.
                                                 n

 1.            MDRT              Basic      ` 8,36,100    ` 33,44,400

                                 3 Times
 2.    Court of the Table- COT              ` 25,08,300   ` 1,00,33,200
                                  MDRT

                                 6 Times
 3.     Top of the Table -TOT               ` 50,16,600   ` 2,00,66,400
                                  MDRT
International Recognition
         from MDRT

Through our training
process we will make sure
that you will qualify for
Basic MDRT by the end of
3rd year of your agency.
First Year Commission of Top 10
  TOT-2013 Qualifiers from LIC
                                              First Year
                                             Commission
Rank               Name             Branch
                                             Excl. Bonus
                                             Commission
 1.    Shri BHARAT V PAREKH         Nagpur   1,64,59,383
 2.    Shri RAVINDAR JETHANI        Mumbai   1,28,52,004
 3.    Smt HEENA HITESH SHAH        Mumbai   1,22,86,595
 4.    Shri RAJESH K BHONSALE       Mumbai    95,34,779
 5.    Smt SANGEETA P PODDAR        Mumbai    79,56,912
 6.    Smt SHYAMLATA S PODDAR       Mumbai    71,20,811
 7.    DR. BALWANT SINGH CHIRANA     Delhi    70,64,505
 8.    Shri AUTI DATTATRAY JAYRAM   Mumbai    70,14,830
 9.    Smt REENA GUPTA              Bhopal    66,55,529
10.    Smt SANGEETA MAHESHWARI      Indore    59,29,266
Profile of LIC of India
Reach:
• Central Office: Mumbai
• 8 Zonal Offices: Mumbai, Delhi, Kolkatta,
  Chennai, Bhopal, Kanpur, Hyderabad and
  Patna.
• 113 Divisional Offices throughout country.
• 2048 Branch Offices at various places.
• 1202 Satellite Sampark Branches.
  All the branches are connected by wide area
  network, this ensures payment of Premiums
  anywhere across the country.
Profile of LIC of India
Wide Range of Products
We have more than 50 different
products catering to the differing needs
of all segments of the society.
These are basic insurance plans (whole
life, endowment and money back),
Term Assurance Plans, Unit linked
plans, Pension Plans, Health plan,
Variable Insurance Products etc.
Profile of LIC of India
   Awards won by LIC of India during 2011-12:
1. Readers Digest Trusted Brand – Platinum Category
2. Business Super brands 2010-11
3. Asian Leadership Awards – Asia‟s Most Preferred Brand in
   Insurance
4. CNBC TV 18 India‟s Best Bank and Financial Institution Award –
   Best Insurance Company
5. Most Trusted Brand in Insurance Category by ET Brand Equity
6. CNBC AWAAZ Storyboard Consumer Awards- Consumer‟s
   Trusted Choice Award
7. CNBC AWAAZ Storyboard Consumer Awards- Most
   Recommended Financial Services Brand of the Year ( Non
   Banking)
8. Dainik Bhaskar Group- India Pride Award
Profile of LIC of India
      Awards won by LIC of India during 2011-12:
9.    Bombay Chamber of Commerce & Industry – Good Corporate
      Citizen Award
10.   ABCI Award for House Magazine in Magazine Category
11.   Preferred Brand of Life Insurances by Dainik Purvoday NE
      Consumer Awards 2011
12.   Star News Brand Excellence Award- Customer Centric Band
      Award
13.   Outlook Money - Best Life Insurer Award
14.   Global Award for Brand Excellence 2011 by World Band
      Congress
15.   Bengal‟s Best 2011 in Insurance Category – Anandbazar
      Patrika‟s Brand Watch
16.   Organization of the Year – Top Ranker‟s Management
      Consultants
Profile of LIC of India
Awards won by LIC of India during 2011-12:
17.Best BFSI Life Insurance Company 2011 by Business & Economy
   ICMR-BFM
18.Most Successful Pioneer in Micro Insurance by Amity School of
   Insurance, Banking & Actuarial Science
19.Golden Peacock Innovative Product Award for Jeevan Arogya
20. Middle East Insurance Forum (MEIF) Institutional Excellence Award
   to LIC International (BSC Bahrain)
21.My FM Stars of the Industry Award for Business Leadership Award
22.Special Award for Consumer Service ( Corporate) by Consumer
   Association of India
23.Indy‟s Award for Best Corporate Film of the Year, Campaign for
   Change, Women‟s Insurance TVC
24.Indy‟s Award for Most Creative Ad (Print) in BFSI
25.Indy‟s Award for Best in house magazine „Yogakshema‟.
Profile of LIC of India
Our social responsibility:
LIC offers life insurance protection under group
policies to various groups such as employer-
employee, co-operatives, weaker sections of society
etc. and insurance coverage to people below poverty
line at subsidized rates under social security group
schemes like „Janashree Bima Yojana‟ & „Aam
Aadmi Bima Yojana‟.
The scheme „Shiksha Sahayog Yojana‟ is a free add-
on scholarship benefit that is available for the
children of the members who are covered under
Janashree Bima Yojana.
Profile of LIC of India
Golden Jubilee Foundation:
LIC, as a part of its Corporate Social Responsibility, formed a
Trust - „LIC Golden Jubilee Foundation‟ in the year 2006, with the
objective of promoting education, health, relief of poverty or
distress and advancement of other objects of general public
utility.
As on date LIC has put in a Corpus of Rs. 90 Crores towards LIC
Golden Jubilee Foundation and interest is distributed for various
Charitable Purposes. So far it has sanctioned projects worth of
Rs. 22.35 crore.
LIC Golden Jubilee Scholarship Scheme provides scholarship to
economically weaker sections of the society to pursue higher
education at the rate of Rs. 100000/- per year for 10 students per
Division till they complete their graduation/ professional course.
Approximately 2650 students have benefited from the Scheme so
far.
Valuation Results of LIC
            For the year 2011-12
Valuation Surplus after Tax                                 : ` 25,624Crores
Govt. Share @ 5%                                            : ` 1,281Crores
95% to be distributed to Policy Holders                     : ` 24,343 Crores
(Investment by Govt in LIC in 1956 is ` 5.00 crores only)



Total Number of Policies in force
                                                            : 29.16 Crores
(More than Population of Many Countries)



Total Premium Income                                        : ` 2,02,802 Crores
(The daily collection of Corporation is ` 555Crores)



Total Gross Income for the year                             : ` 2,87,315 Crores
(Four Times the income of leading Bank in India)
Valuation Results of LIC
          For the year 2011-12
Total Number of Claims Settled                              : 1,85,70,000

Total Amount paid towards claims                            : ` 66,023Crores




Outstanding Death Claims
(94.34% of Non Early Death Claims settled within 15 days)   : 1.22% only

Outstanding Maturity + Survival Benefit Claims              : 0.50% only
(93.19% of Maturity/SB claims settled before due date)




First Year Premium Income                                   : ` 81,514Crores
(More than the total amount of claims paid)
Valuation Results of LIC
           For the year 2011-12
Total Life Fund                                         : ` 12,83,990 Crores



Total Assets of Corporation                             : ` 14,17,891 Crores



Investment in Govt/Infra/Social Sector                  : ` 8,19,835 Crores



LIC‟s Market Share as on 31/03/2012                     : 71.36% on FYPI
(Remaining 23 private companies Market share: 28.64%)   : 80.90% on Policies
Govt. Guarantee for
         LIC Policyholders
The sum assured of all policies issued by LIC
of India including any bonuses declared in
respect thereof and, subject to the
provisions contained in section 14 the
amounts assured by all policies issued by
any insurer the liabilities of which have
vested in the LIC of India under this Act, and
all bonuses declared in respect thereof,
whether before of after the appointed day,
shall be guaranteed as to payment in cash by
the      Central      Government.       Under
-Section 37 of LIC ACT, 1956
Advantages of
         Association with LIC
• You will be associated with number one life
  Insurance of India and one of the leading life
  Insurance companies of the world.
• With above financial position and Govt
  Guarantee selling policies of LIC will be
  much easier.
• Barring five companies all other 18 private
  life Insurance companies are in losses as on
  31.03.2012.
• The death claim settlement of private
  companies is also nowhere near the
  standards of LIC of India.
Profit & Loss and Death Claim Analysis
    of All Life Insurers for the Year 2011-12
           Profit/Loss
                                                                  Death Claims
           (in Crores)
                                      Company                                     % of
                 Total Carried                       % of Claim    % of Claim
For the year                                                                      Claim
                   forward                            Amount        Amount
  2011-12                                                                        Amount
               as on 31/03/2012                         Paid        Rejected
                                                                                 Pending
  -57.04           -100.73        Aegon Religare       59.74         37.96        2.30
   73.57          -1404.94        Aviva                74.80         21.20        4.00
 1311.20           2349.94        Bajaj Allianz        83.96         9.84         6.19
 -189.84          -1748.30        Bharati              71.73         19.39        8.88
  460.73          -1376.23        Birla Sunlife        80.41         18.92        0.67
  -89.07           -757.48        Canara HSBC          80.17         15.70        4.14
 -128.25           -375.56        DLF Pramerica        21.80         14.63       63.57
  -29.23            -29.23        Edelweiss Tokio        -             -            -
 -129.65          -1096.20        Future Generali      62.68         28.02        9.30
  271.02          -1294.48        HDFC Standard        90.43         8.43         1.14
 1384.17          -1946.70        ICICI Prudential     94.38         4.44         1.17
  -69.86           -432.35        IDBI Federal         63.58         29.56        6.86
  -72.58           -189.37        First                74.83         25.17        0.00
  -31.15          -1150.14        Vysya                80.25         9.96         9.36
Profit & Loss and Death Claim Analysis
    of All Life Insurers for the Year 2011-12
           Profit/Loss
                                                                       Death Claims
           (in Crores)
                                        Company                                        % of
                 Total Carried                            % of Claim    % of Claim
For the year                                                                           Claim
                   forward                                 Amount        Amount
  2011-12                                                                             Amount
               as on 31/03/2012                              Paid        Rejected
                                                                                      Pending
  203.25             50.61        Kotak Mahindra            71.84         18.87        9.28
  459.83           -369.78        Max                       83.89         12.41        3.70
   33.17            -46.17        Met Life                  72.65         13.53       13.32
  372.57          -2486.20        Reliance Life             71.43         19.16        9.41
   29.48             64.90        Sahara                    76.32          9.09       13.89
  555.82           1118.93        SBI Life                  95.63          1.35        3.01
   56.18             80.79        Shriram                   58.28         18.24       23.48
  -25.60            -94.95        Star Union Dai-ichi       73.25          3.75       23.00
  260.31          -1297.76        Tata AIA                  72.05         25.75        2.21

 4649.03          -12531.40       Private Total             80.95         13.70        5.32
25624.60              *           LIC of India              95.43          2.01        1.21
*Out of total surplus generated for the year 95% (`24,343.37 crores) is distributed
among the policyholders and balance 5% (`1281.23 crores) is Govt of India share.
                             Source: IRDA Annual Report 2011-12. Available at www.irda.gov.in
Procedure to become
             LIC Agent:
• Education Qualification:
  Graduate ( HSC pass will be considered for
  exceptional Candidates)
• Mandatory Class room Training for 50 hours.
  ( About 10 days) OR Online Training
• Passing of IRDA Examination.
• Issue of License by IRDA.
Procedure to become
           LIC Agent:
• Fees:
• ` 150 Registration Fees.
• ` 300 Online Training Fees. No Charges
  for Classroom training.
• ` 200 IC -33 Study Material.
• ` 350 IRDA Examination Fee.
• ` 250 IRDA License Fee for 3 years.
Total: ` 1250 for Online Training OR
       ` 950 for Classroom Training.
Support from our side
• After getting IRDA license you will be trained
  on Need Based Selling techniques.
• Your activities will be monitored regularly to
  insure that you achieve your desired target
  on time.
• Our training program is designed in such a
  way that you will qualify for MDRT and
  Chairman Club Membership within 3 years of
  your agency.
• Your income will be at least `1,00,000 per
  month within 3 years time.
For enquiries contact:
Mr. C. D. Pinto              Life Insurance Corporation of India
Development Officer          Branch 938, Prasad, 147/A, Gokhale Rd. (N),
                             Dadar (W), Mumbai 400028

 Office: 30496813


 Residence: 28959126    ( Cellphone:   9867642888
e-mail:   pintocd@gmail.com

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Career as LIC Agent

  • 2. STAND OUT FROM THE CROWD This Career Opportunity is Not for Everybody, It is only for those who Want to be Somebody.
  • 3. Job Profile of LIC Agent The main job of LIC Agent involves: • Prospecting: Identifying the prospective customers and fixing appointment. • Need Analysis: Identifying the needs and getting the prospect agree that need exists. (i.e. Family Income Provision, Children Education and Marriage Provision or Retirement Income Provision.)
  • 4. Job Profile of LIC Agent • Plan Presentation: Suggesting suitable plans that fulfil the needs as agreed by the prospect. • Closing the Sale: Convincing the prospect that you have suggested the best possible solution for his needs and ask for the order. • After Sales Service: Provide efficient after sales service and claims settlement.
  • 5. Attributes you should possess To become Successful LIC Agent: • You should be outgoing and love to meet people. • You should be ambitious to start your own Business. • You should have Good Communication Skills. • You should have lot of Perseverance. • You should be willing to work hard with lot of Dedication and Devotion. • You should be willing to accept rejections as stepping stones.
  • 6. Benefits of LIC Agency as a Career • LIC agency is considered today as the highest paid profession in the world. • It also provides you with the Royalty Income. • You can start your own Business with less Capital Investment. • You have freedom to set your own working hours. • You have the opportunity to earn as per your potential. • Your work gets easier and less demanding as your business grows.
  • 7. Market Potential 1. Indian Insurance Market: • It is one of the least Insured Market in the world. • Out of total insurable population only 40% are covered till today. • These 40% also are also not adequately covered. • Only 20% of total agency force is working as Professionals, and these 20% brings 80% of total life Insurance business. • We will help build your career as a professional agent and make sure that you will be among these top 20% agents.
  • 8. Market Potential 2. Growth Opportunities: a. Low Insurance Penetration. b. Low Insurance Density. c. Low share of world premium. d. High per capita Savings. e. Increase in working population. f. Growth in personal Income. g. High Consumer Awareness. h. Strong LIC brand.
  • 9. Market Potential a. Low Insurance Penetration: • Insurance penetration is measured by Premium as a percentage of GDP. • We will come to know about the potential when we compare the difference in penetration level in India with other countries of the world.
  • 10. Country Penetration (%) The penetration level Taiwan 13.90 in India for the year South Africa 10.20 2011-12 is about 24% Hong Kong 10.10 of Taiwan, 33% of Japan 8.80 South Africa and 34% United Kingdom 8.70 of Hong Kong. The above figures Finland 7.70 show that there is South Korea 7.00 tremendous potential France 6.20 available in India to Switzerland 5.50 match the figures of Singapore 4.30 Asian and other India 3.40 countries of the Source: Swiss Re, Sigma 03/2012 world.
  • 11. Market Potential b. Low Insurance Density: • Insurance Density is the ratio of premium to total Population. • We will come to know about the potential when we compare the difference in Insurance Density in India with that of other countries of the world.
  • 12. Country Density in Insurance Density for USD the year 2011-12 in Switzerland 4421 India is just 21% of the Japan 4138 world average and Hong Kong 3442 only 1.11% of United Kingdom 3347 Switzerland. Taiwan 2757 France 2638 There is huge potential Singapore 2296 available just to reach the world average and United States 1716 to reach the figures of South Korea 1615 Asian and other India 49 countries the scope is World Average 229 Source: Swiss Re, Sigma 03/2012 phenomenal.
  • 13. Market Potential c. Low Volume of Life Insurance Premium: Market Rank Country Share Looking at the 1. USA 20.46% very low volume 2. Japan 19.97% of life insurance 3. UK 8.00% premium of India, 4. France 6.65% we can assess the 5. China 5.12% 6. Germany 4.33% available potential 7. Italy 4.00% of Indian Life 8. South Korea 3.01% Insurance Market. 9. Taiwan 2.44% 10. India 2.30% Source: Swiss Re, Sigma 03/2012
  • 14. Market Potential d. High per capita Savings: • Indian household saving in financial sector is 32% of gross domestic savings for the year 2007-08. The share of life Insurance premium was 17.9% of gross house hold savings. • Indian house holds saves more than those in other emerging markets like China and Brazil. The corresponding house hold savings in Brazil are 5%, China-15%, UK- 2%, USA-1% of gross domestic savings. (Source: “National Income Statistics,” July 2010, CMIE).
  • 15. Market Potential e. Increase in working population: • India has about 40% of young population at present i.e. age group 20 to 49 years. This is expected to grow to 45% by the year 2020. The income level of this group is rising and with increasing life expectancy and concept of nuclear family the need for life insurance will also increase. • Research by Morgan Stanley shows that India‟s working-age population will increase by 136 million by 2020. (China‟s working-age population, by comparison, will grow by 23 million.) The expected increase in young working population shows the potential available in India for Life Insurance Business.
  • 16. Market Potential f. Growth in personal Income: As per report of National Council of Applied Economic Research (NCAER) 2009-10: • There are 28.4 million families with incomes between Rs 2 lakh and Rs 10 lakh per annum. (This is as per the World Bank definition of middle class.) • The number of such households was 4.5 million in 1995-96 and 10.7 million in 2001-02. • These households are expected to grow 4 times in next 10 years. • The report said that two thirds of the Indian middle class is to be found in urban India.
  • 17. Market Potential f. Growth in personal Income: Report on the savings pattern states that: 83% save for emergencies, 81% for Children‟s education 69% for old age, 63% to meet future expenses towards marriages, birth and social ceremonies. The above pattern indicates tremendous scope for life Insurance products.
  • 18. Market Potential f. Growth in personal Income: As per report of Confederation of Indian Industry (CII) and Ernst and Young in September 2010, The projected per capita GDP of India is expected to increase from `18,280 in FY 2001 to `1,00,680 in FY 2026, which is indicative of rising disposable incomes. A recent study by McKinsey also predicts that India‟s economy will grow fivefold in the next 20 years. The demand for insurance products is expected to increase in light of the increase in purchasing power.
  • 19. Market Potential g. High Consumer Awareness: • Splitting of joint families, absence of social security scheme and opening up of Insurance sector has contributed to increased awareness about life Insurance. • Rigorous advertisement by 24 life Insurance companies has made people realize about importance of Life Insurance. • The total First year Premium of life insurance industry has increased from `9,707 crores in the year 2000-2001 to `1,25,826 Crores in the year 2010-11, showing a compounded annual growth of 29.20%.
  • 20. Market Potential g. High Consumer Awareness: • As per report of BCG (Boston consulting group) and FICCI of April 2011 “India Insurance: Turning 10, Going on 20”, it is estimated that life insurance sector will grow at the rate of 20% to 22% during the next 10 years i.e the estimated premium during the year 2020- 2021 will be in the range of `15 lakh crores to ` 20 lakhs crores. At present India is ranked 10th in global life insurance industry with market share of 2.30%. By the year 2020 it is likely to be one of top three life insurance markets behind China and USA, it will overtake the Japan, British, France and Germany markets.
  • 21. Market Potential h. Strong LIC Brand: You will be associated with one of the leading Life Insurance Company of the world. The brand image of LIC of India is huge, people in India identifies life Insurance as LIC only. Thus selling life Insurance policies for LIC of India is much easier.
  • 22. Market Potential Market Share of LIC of India as on 31/03/2012 is as under: First Year Market Number of Market Premium Share Policies Share in Crores LIC of India 81,513 71.36% 3,57,50,763 80.90% All 23 Private Companies 32,717 28.64% 84,42,021 19.10% Total 1,14,230 4,41,92,784 The above figures shows dominance of LIC of India even after 12 years of opening of the Insurance sector to private companies.
  • 23. Summary of Market Potential • The least Insured life Insurance Population, • Paucity of Professional Agents, • Low Insurance Penetration and Density, • Low Volume of Life Insurance Premium, • High rate of personal savings, • Young working population, • Burgeoning Middle and Higher income class, • Rising Insurance awareness and • Strong Brand image of LIC of India All these positive aspects provide you with tremendous opportunity to build your career as a Professional LIC agent.
  • 24. Remuneration • The remuneration will be paid to you in the form of Commission as percentage of premium collected through the policies sold by you. • It is not a one time commission on a sale made by you. • It provides you the royalty income through out the term of policy. As long as policyholder pays the Premium you will get the commission. • Moreover this commission is hereditary i.e. it will be paid to your nominees even after your death.
  • 25. Remuneration The Commission rates on regular premium policies are as under: • First year Commission : 4% to 25% depending up on the type & term of the policy. • Bonus Commission : 40% of first year commission. • Renewal Commission: 2nd and 3rd Year of Policy : 2% to 10% depending up on the type & term of the policy. 4th year onwards : 2% to 6% depending up on the type & term of the policy.
  • 26. Remuneration Example of Commission on Endowment type of policy of Term 15 years and above: • 1st Year Commission : 25% of Premium. Bonus Commission : 40% of first year Commission (i.e. 10% of Premium) Total 1st Year Commission: 35% of Premium • Renewal Commission: 2nd & 3rd Year of policy : 7.5% of Premium 4th Year onwards : 5% of Premium
  • 27. Your Expected Commission as per Endowment Commisison rates will be as under for Next 5 years: Expected Expected Commission Premium 1st year 2nd year 3rd year 4th year 5th year 12,00,000 4,20,000 90,000 90,000 60,000 60,000 24,00,000 8,40,000 1,80,000 1,80,000 1,20,000 36,00,000 12,60,000 2,70,000 2,70,000 48,00,000 16,80,000 3,60,000 60,00,000 21,00,000 TOTAL 4,20,000 9,30,000 15,30,000 21,90,000 29,10,000 As Years pass by your Renewal Commission keeps on increasing thereby assuring you a pension for the next 20 to 25 years when you stop working OR to your family in event of your death.
  • 28. Remuneration We will make sure through our meticulous training that your earnings should be as per the chart shown, but that requires willingness on your part to take lot of physical pain.
  • 29. Club Memberships Club Membership is the recognition bestowed upon the agents to increase their status in the society and in the Corporation.
  • 30. Club Memberships Following are the levels of club membership depending up on the Business performance: • Distinguished Club Member. • Branch Manager‟s Club Member. • Divisional Manager‟s Club Member. • Zonal Manager‟s Club Member. • Chairman‟s Club Member. • Corporate Club Member.
  • 31. Club Memberships Following additional benefits are given over and above the commissions‟ payable: 1. Office Allowance to maintain your own office. 2. Telephone/Mobile bill reimbursement. 3. Reimbursement of Sales Promotional Gift items. 4. Interest free advance for purchase of Car/Motorbike. 5. Interest free advance for purchase of office equipments. 6. Interest free advance for Training.
  • 32. Club Memberships 7. Interest free Festival Advance. 8. Housing loan at concessional rate of interest. 9. Term Insurance and Mediclaim benefits. 10. Guest house facility throughout India at concessional rates as applicable to employees. 11. Annual Convention. 12. Attestation authority.
  • 33. Club Memberships The total monetary equivalent of all above benefits ranges from `5,500 to `5,50,000, depending up on level of Club Membership.
  • 34. Gratuity Agents are entitled to get the gratuity at age 60/65 years after serving for minimum 15 years. At present the Maximum Gratuity amount payable is `2,00,000 depending up on the amount of renewal commission paid during last 15 years before age 60.
  • 35. International Recognition from MDRT • Founded in 1927, the Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is an international, independent association of nearly 36,000 of the world's leading life insurance and financial services professionals from more than 430 companies in 78 countries. • MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. • MDRT membership is recognized internationally as the standard of sales excellence in the life insurance and financial services business.
  • 36. International Recognition from MDRT • To qualify for the membership of MDRT agents have to earn the prescribed First Year Commission excluding the Bonus Commission OR brings prescribed First Year Premium during the Calendar year.
  • 37. International Recognition from MDRT There are three levels of Membership with criteria for MDRT 2014: First Year First Year Sr. Membership Criteria Commissio Premium No. n 1. MDRT Basic ` 8,36,100 ` 33,44,400 3 Times 2. Court of the Table- COT ` 25,08,300 ` 1,00,33,200 MDRT 6 Times 3. Top of the Table -TOT ` 50,16,600 ` 2,00,66,400 MDRT
  • 38. International Recognition from MDRT Through our training process we will make sure that you will qualify for Basic MDRT by the end of 3rd year of your agency.
  • 39. First Year Commission of Top 10 TOT-2013 Qualifiers from LIC First Year Commission Rank Name Branch Excl. Bonus Commission 1. Shri BHARAT V PAREKH Nagpur 1,64,59,383 2. Shri RAVINDAR JETHANI Mumbai 1,28,52,004 3. Smt HEENA HITESH SHAH Mumbai 1,22,86,595 4. Shri RAJESH K BHONSALE Mumbai 95,34,779 5. Smt SANGEETA P PODDAR Mumbai 79,56,912 6. Smt SHYAMLATA S PODDAR Mumbai 71,20,811 7. DR. BALWANT SINGH CHIRANA Delhi 70,64,505 8. Shri AUTI DATTATRAY JAYRAM Mumbai 70,14,830 9. Smt REENA GUPTA Bhopal 66,55,529 10. Smt SANGEETA MAHESHWARI Indore 59,29,266
  • 40. Profile of LIC of India Reach: • Central Office: Mumbai • 8 Zonal Offices: Mumbai, Delhi, Kolkatta, Chennai, Bhopal, Kanpur, Hyderabad and Patna. • 113 Divisional Offices throughout country. • 2048 Branch Offices at various places. • 1202 Satellite Sampark Branches. All the branches are connected by wide area network, this ensures payment of Premiums anywhere across the country.
  • 41. Profile of LIC of India Wide Range of Products We have more than 50 different products catering to the differing needs of all segments of the society. These are basic insurance plans (whole life, endowment and money back), Term Assurance Plans, Unit linked plans, Pension Plans, Health plan, Variable Insurance Products etc.
  • 42. Profile of LIC of India Awards won by LIC of India during 2011-12: 1. Readers Digest Trusted Brand – Platinum Category 2. Business Super brands 2010-11 3. Asian Leadership Awards – Asia‟s Most Preferred Brand in Insurance 4. CNBC TV 18 India‟s Best Bank and Financial Institution Award – Best Insurance Company 5. Most Trusted Brand in Insurance Category by ET Brand Equity 6. CNBC AWAAZ Storyboard Consumer Awards- Consumer‟s Trusted Choice Award 7. CNBC AWAAZ Storyboard Consumer Awards- Most Recommended Financial Services Brand of the Year ( Non Banking) 8. Dainik Bhaskar Group- India Pride Award
  • 43. Profile of LIC of India Awards won by LIC of India during 2011-12: 9. Bombay Chamber of Commerce & Industry – Good Corporate Citizen Award 10. ABCI Award for House Magazine in Magazine Category 11. Preferred Brand of Life Insurances by Dainik Purvoday NE Consumer Awards 2011 12. Star News Brand Excellence Award- Customer Centric Band Award 13. Outlook Money - Best Life Insurer Award 14. Global Award for Brand Excellence 2011 by World Band Congress 15. Bengal‟s Best 2011 in Insurance Category – Anandbazar Patrika‟s Brand Watch 16. Organization of the Year – Top Ranker‟s Management Consultants
  • 44. Profile of LIC of India Awards won by LIC of India during 2011-12: 17.Best BFSI Life Insurance Company 2011 by Business & Economy ICMR-BFM 18.Most Successful Pioneer in Micro Insurance by Amity School of Insurance, Banking & Actuarial Science 19.Golden Peacock Innovative Product Award for Jeevan Arogya 20. Middle East Insurance Forum (MEIF) Institutional Excellence Award to LIC International (BSC Bahrain) 21.My FM Stars of the Industry Award for Business Leadership Award 22.Special Award for Consumer Service ( Corporate) by Consumer Association of India 23.Indy‟s Award for Best Corporate Film of the Year, Campaign for Change, Women‟s Insurance TVC 24.Indy‟s Award for Most Creative Ad (Print) in BFSI 25.Indy‟s Award for Best in house magazine „Yogakshema‟.
  • 45. Profile of LIC of India Our social responsibility: LIC offers life insurance protection under group policies to various groups such as employer- employee, co-operatives, weaker sections of society etc. and insurance coverage to people below poverty line at subsidized rates under social security group schemes like „Janashree Bima Yojana‟ & „Aam Aadmi Bima Yojana‟. The scheme „Shiksha Sahayog Yojana‟ is a free add- on scholarship benefit that is available for the children of the members who are covered under Janashree Bima Yojana.
  • 46. Profile of LIC of India Golden Jubilee Foundation: LIC, as a part of its Corporate Social Responsibility, formed a Trust - „LIC Golden Jubilee Foundation‟ in the year 2006, with the objective of promoting education, health, relief of poverty or distress and advancement of other objects of general public utility. As on date LIC has put in a Corpus of Rs. 90 Crores towards LIC Golden Jubilee Foundation and interest is distributed for various Charitable Purposes. So far it has sanctioned projects worth of Rs. 22.35 crore. LIC Golden Jubilee Scholarship Scheme provides scholarship to economically weaker sections of the society to pursue higher education at the rate of Rs. 100000/- per year for 10 students per Division till they complete their graduation/ professional course. Approximately 2650 students have benefited from the Scheme so far.
  • 47. Valuation Results of LIC For the year 2011-12 Valuation Surplus after Tax : ` 25,624Crores Govt. Share @ 5% : ` 1,281Crores 95% to be distributed to Policy Holders : ` 24,343 Crores (Investment by Govt in LIC in 1956 is ` 5.00 crores only) Total Number of Policies in force : 29.16 Crores (More than Population of Many Countries) Total Premium Income : ` 2,02,802 Crores (The daily collection of Corporation is ` 555Crores) Total Gross Income for the year : ` 2,87,315 Crores (Four Times the income of leading Bank in India)
  • 48. Valuation Results of LIC For the year 2011-12 Total Number of Claims Settled : 1,85,70,000 Total Amount paid towards claims : ` 66,023Crores Outstanding Death Claims (94.34% of Non Early Death Claims settled within 15 days) : 1.22% only Outstanding Maturity + Survival Benefit Claims : 0.50% only (93.19% of Maturity/SB claims settled before due date) First Year Premium Income : ` 81,514Crores (More than the total amount of claims paid)
  • 49. Valuation Results of LIC For the year 2011-12 Total Life Fund : ` 12,83,990 Crores Total Assets of Corporation : ` 14,17,891 Crores Investment in Govt/Infra/Social Sector : ` 8,19,835 Crores LIC‟s Market Share as on 31/03/2012 : 71.36% on FYPI (Remaining 23 private companies Market share: 28.64%) : 80.90% on Policies
  • 50. Govt. Guarantee for LIC Policyholders The sum assured of all policies issued by LIC of India including any bonuses declared in respect thereof and, subject to the provisions contained in section 14 the amounts assured by all policies issued by any insurer the liabilities of which have vested in the LIC of India under this Act, and all bonuses declared in respect thereof, whether before of after the appointed day, shall be guaranteed as to payment in cash by the Central Government. Under -Section 37 of LIC ACT, 1956
  • 51. Advantages of Association with LIC • You will be associated with number one life Insurance of India and one of the leading life Insurance companies of the world. • With above financial position and Govt Guarantee selling policies of LIC will be much easier. • Barring five companies all other 18 private life Insurance companies are in losses as on 31.03.2012. • The death claim settlement of private companies is also nowhere near the standards of LIC of India.
  • 52. Profit & Loss and Death Claim Analysis of All Life Insurers for the Year 2011-12 Profit/Loss Death Claims (in Crores) Company % of Total Carried % of Claim % of Claim For the year Claim forward Amount Amount 2011-12 Amount as on 31/03/2012 Paid Rejected Pending -57.04 -100.73 Aegon Religare 59.74 37.96 2.30 73.57 -1404.94 Aviva 74.80 21.20 4.00 1311.20 2349.94 Bajaj Allianz 83.96 9.84 6.19 -189.84 -1748.30 Bharati 71.73 19.39 8.88 460.73 -1376.23 Birla Sunlife 80.41 18.92 0.67 -89.07 -757.48 Canara HSBC 80.17 15.70 4.14 -128.25 -375.56 DLF Pramerica 21.80 14.63 63.57 -29.23 -29.23 Edelweiss Tokio - - - -129.65 -1096.20 Future Generali 62.68 28.02 9.30 271.02 -1294.48 HDFC Standard 90.43 8.43 1.14 1384.17 -1946.70 ICICI Prudential 94.38 4.44 1.17 -69.86 -432.35 IDBI Federal 63.58 29.56 6.86 -72.58 -189.37 First 74.83 25.17 0.00 -31.15 -1150.14 Vysya 80.25 9.96 9.36
  • 53. Profit & Loss and Death Claim Analysis of All Life Insurers for the Year 2011-12 Profit/Loss Death Claims (in Crores) Company % of Total Carried % of Claim % of Claim For the year Claim forward Amount Amount 2011-12 Amount as on 31/03/2012 Paid Rejected Pending 203.25 50.61 Kotak Mahindra 71.84 18.87 9.28 459.83 -369.78 Max 83.89 12.41 3.70 33.17 -46.17 Met Life 72.65 13.53 13.32 372.57 -2486.20 Reliance Life 71.43 19.16 9.41 29.48 64.90 Sahara 76.32 9.09 13.89 555.82 1118.93 SBI Life 95.63 1.35 3.01 56.18 80.79 Shriram 58.28 18.24 23.48 -25.60 -94.95 Star Union Dai-ichi 73.25 3.75 23.00 260.31 -1297.76 Tata AIA 72.05 25.75 2.21 4649.03 -12531.40 Private Total 80.95 13.70 5.32 25624.60 * LIC of India 95.43 2.01 1.21 *Out of total surplus generated for the year 95% (`24,343.37 crores) is distributed among the policyholders and balance 5% (`1281.23 crores) is Govt of India share. Source: IRDA Annual Report 2011-12. Available at www.irda.gov.in
  • 54. Procedure to become LIC Agent: • Education Qualification: Graduate ( HSC pass will be considered for exceptional Candidates) • Mandatory Class room Training for 50 hours. ( About 10 days) OR Online Training • Passing of IRDA Examination. • Issue of License by IRDA.
  • 55. Procedure to become LIC Agent: • Fees: • ` 150 Registration Fees. • ` 300 Online Training Fees. No Charges for Classroom training. • ` 200 IC -33 Study Material. • ` 350 IRDA Examination Fee. • ` 250 IRDA License Fee for 3 years. Total: ` 1250 for Online Training OR ` 950 for Classroom Training.
  • 56. Support from our side • After getting IRDA license you will be trained on Need Based Selling techniques. • Your activities will be monitored regularly to insure that you achieve your desired target on time. • Our training program is designed in such a way that you will qualify for MDRT and Chairman Club Membership within 3 years of your agency. • Your income will be at least `1,00,000 per month within 3 years time.
  • 57. For enquiries contact: Mr. C. D. Pinto Life Insurance Corporation of India Development Officer Branch 938, Prasad, 147/A, Gokhale Rd. (N), Dadar (W), Mumbai 400028  Office: 30496813  Residence: 28959126 ( Cellphone: 9867642888 e-mail: pintocd@gmail.com