1. INSURANCEPRODUCTSININDIAN MARKET An overview of its products

2. INTRODUCTION ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank - one of India's foremost financial services companies-and Prudential plc,of the uk. ICICI and Prudential came together in 1993 to provide mutual fund product in India and today are the private sector mutual fund company in India. For three years in a row, ICICI Prudential has been voted as India's Most Trusted Private Life Insurer

3. FINANCIAL STANDPOINT ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of March 31, 2010) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively For the period April 1, 2009 to March 31, 2010, the company has garnered total premium of Rs 16,532 crores and has underwritten over 10 million policies since inception. The company has assets held over Rs. 57,000 crores as on March 31, 2010.

4. TYPES OF INSURANCE PLAN Traditional Death benefit is Sum Assured + guaranteed & vested bonus. Helps in asset creation as they are for a long tenure. Premium to Sum Assured ratios are fixed for each plan Generally withdrawals are not allowed before maturity. Unit Linked (ULIP: Unit Linked Insurance Plan) ULIP have gained high acceptance due to attractive features they offer. Benefits include: Flexibility, Transparency Liquidity Fund Options.

5. PRODUCTS Life Insurance Wealth Insurance Retirement Insurance Child Plan Health Insurance

6. LIFE INSURANCE Life insurance is a form of insurance that pay monetary proceeds upon the death of the insured covered in the policy. Life insurance policy is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed amount upon the sum of money to the insured’s named beneficiary so long as the insured’s premium are current. In insurance the insured makes payment called premiums ta an insurer,and in return is able to the claim a payment from the insurer if the insured suffers a defined type of loss.

7. WEALTH INSURANCE Wealth insurance ensures that you receive a lump sum amount of money at the maturity of the Policy. In the unfortunate event of death during the term of the policy, your family receives lump sum amount, called the Sum Assured.Thus it combine the benefits of protection and saving in a single instruments. ICICI PruLifeStage Wealth II This is a unit linked insurance plan that offer multiple choices to decide how your savings would be investedbased on your risk appetite.

8. RETIREMENT INSURANCE A retirement plan is a assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. To cater the need of a customer looking for retirement planning, ICICI Prudential presents a wide array of products. These products have been designed to take into account the diverse sets of needs that characterize individual customer.

9. CHILD PLAN ICICI Pru Smart Kid – Regular Premium This is a regular premium, traditional plan with two options to receive guaranteed educational benefits, no matter what the uncertainties in your life. ICICI Pru Smart Kid Premier ICICI Pru SmartKid Premier, a ULIP plan which ensures your child’s education continues even if you are not around.

10. HEALTH INSURANCE Health insurance policies insure you against several illnesses and guarantee you stay financially secure should you ever require treatment. They safeguard your peace of mind, eliminate all worries about treatment expenses, and allow you to focus your energy on more important things, like getting better. Hospitalisation coverage: This health insurance plans cover your expenses in case you need to be hospitalise Medi Assure Hoapital Care II Critical illness coverage: This health insurance plans provide you coverage against critical illnesess. Crisis Cover

11. ANNUITY An annuity is a series or stream of payments. In the context of retirement planning, an annuity is a contract between you and the insurance company under which the insurance company promises pays you money for a stipulated period-often for life. You, the person receiving the payments, is the "annuitant". TYPES OF ANNUITY Life Annuity Life Annuity with Return of Purchase Price Life Annuity Guaranteed for 5, 10 and 15 Years and Life Thereafter Joint Life, Last Survivor Annuity without Return of Purchase Price Joint Life, Last Survivor Annuity with Return of Purchase Price

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