Project of Life Insurance

Reliance Life Insurance offers you products that fulfill your savings and
protection needs. Our aim is to emerge as a transnational Life Insurer of global

scale and standard.
Reliance Life Insurance is an associate company of Reliance Capital Ltd., a part

of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital is one of India’s
leading private sector financial services companies, and ranks among the top 3
private sector financial services and banking companies, in terms of net worth.
Reliance Capital has interests in asset management and mutual funds, stock
broking, life and general insurance, proprietary investments, private equity and
other activities in financial services.
RELIANCE LIFE
INSURANCE PLANS
• CHILD PLAN
• PROTECTION PLAN
• SAVING PLAN
• RETIREMENT PLAN
PROTECTION PLAN
Reliance Term Plan
Invest in the Reliance Term Plan, a pure life insurance plan that offers you
comprehensive and affordable coverage for a limited period of time to suit your
needs.
Reliance Simple Term Plan
Make a smart investment move by investing in the cost-effective Reliance Simple
Term Plan, which offers you comprehensive coverage for a specified period of
time to suit your needs.
Reliance Special Term Plan
Imagine a life insurance policy, which on maturity returns to you all the
premiums you had paid for your basic policy. The Reliance Special Term Plan
offers that and much more.
Reliance Credit Guardian Plan
The Reliance Credit Guardian Plan secures your family from any loan liabilities
you have incurred in case of your untimely demise. On survival at maturity, you
will be returned all the premiums paid for the basic policy.
Reliance Special Credit Guardian Plan
Invest in the Reliance Special Credit Guardian Plan and protect your family from
any loan liabilities you have incurred. On survival at maturity, all premiums
paid for the basic policy will be returned to you.
Reliance Endowment Plan
The Reliance Endowment Plan gives you financial independence by allowing
you to decide the amount of Sum Assured based on your current financial
position and expected future expenses… Dream.
Reliance Special Endowment Plan
Imagine an endowment plan that protects you for a certain period even after you
have received your lump sum—that is exactly what the Reliance Special
Endowment Plan offers you with other added benefits....
Reliance Connect 2 Life
The Reliance Connect 2 Life Plan gives you the option to upgrade your life cover
to keep pace with your changing lifestyle. As your income grows, your family
will have sufficient cover.
Reliance Whole Life Plan
Give your family a lifetime of timely financial support by investing in the
Reliance Whole Life Plan. This will help you enjoy your life to the fullest..
Reliance Wealth + Health Plan
Invest in the Reliance Wealth Health Plan and balance your health needs and
wealth needs, without compromising
SAVING PLAN
Reliance Super Invest Assure Plus Plan
Reliance Super InvestAssure Plus Plan is an ultimate investment plan that offers
the benefit of life insurance cover along with flexible investment options. What
makes it even more attractive is that it offers additional allocation of units every
year to enhance your investment, thereby enabling you to enjoy potentially
higher returns without compromising on the security of your family!.
Reliance Super Invest Assure Plan

Reliance Super InvestAssure is a complete plan which addresses your vital needs
like Flexibility, Security, Investment Return and Financial Planning. With all its
key benefits, it is here to ensure that there will always be more than you can ask
for.
Total Investment Plan I - Insurance

Reliance TIPS -Series I- Insurance is a Unit Linked Investment + Insurance Plan
that helps you meet all your financial needs, without the complexity of managing
multiple products.

wealth needs, without compromising on either health or wealth.
Reliance Super Automatic Investment Plan

The Reliance Super Automatic Investment Plan is an enhanced unit linked plan
that allows you to choose the right investment mix to reap maximum benefits. It
also provides you with enhanced Life Cover..
Reliance Money Guarantee Plan

To reap the benefits of a rising market and to protect yourself from any market
decline, invest in the unit linked Reliance Money Guarantee plan that gives you
the perfect balance between Protection and Savings..
Reliance Super Market Return Plan

The Reliance Super Market Return Plan gives you insurance protection and
allows you to benefit from investment growth. It works through your life and
meets the changing requirements you may have from time to time.
Reliance Endowment Plan

The Reliance Endowment Plan gives you financial independence by allowing
you to decide the amount of Sum Assured based on your current financial
position and expected future expenses.
Reliance Special Endowment Plan

Imagine an endowment plan that protects you for a certain period even after you
have received your lump sum—that is exactly what the Reliance Special
Endowment Plan offers you with other added benefits..
Reliance Whole Life Plan

Give your family a lifetime of timely financial support by investing in the
Reliance Whole Life Plan. This will help you enjoy your life to the fullest .
RETIREMENT PLANS
Total Investment Plan II - Pension

When you invest in the Reliance Total Investment Plan, you give yourself the
assurance that you will make each one of your dreams come true!.
Reliance Super Golden Years Plan

THE Reliance Super Golden Years Plan helps you save systematically and
generate the much-needed corpus to help you enjoy life after retirement.
Reliance Super Golden Years Plan - Value

Realise all your dreams of playing golf, or going for a world tour after retirement
by investing in the Reliance Super Golden Years Plan Value, which helps you
generate the amount you will need for the future.
Reliance Super Golden Years Plan - Plus

Invest in the special Reliance Super Golden Years Plan Plus that not only helps
you build the corpus you need after, but also collects a basic minimum amount
in case something were to happen before you realise your dreams.

wealth needs, without compromising on either health or wealth.
Reliance Super Automatic Investment Plan

The Reliance Super Automatic Investment Plan is an enhanced unit linked plan
that allows you to choose the right investment mix to reap maximum benefits. It
also provides you with enhanced Life Cover.
Reliance pay prenium
Optima
Pay online via credit card or netbanking. Just log into your Lifeline
account.
SBI Your premiums on the go, in 3 easy steps!
*Temporarily this payment service is unavailable till further notice by RBI.
ECS Instruct your favourite bank to pay your premiums directly from your
account.
CREDIT CARD Never miss a payment! Have your premium debited from
your credit card on the due date.
Nearest branch Visit your nearest Reliance Life Insurance branch and pay
over the counter!
Easy Bill Outlets you have the option of paying your Renewal Premium by
cheque at any of the Easy Bill Outlet located in your account.
Bill Desk:
Pay Online, Log into your Billdesk account and authorize your payments.
Bill Junction
Pay Online, Log into your Bill Junction account and auth
Electronic Bill Payment Process

Log into your Net Banking account and pay your Renewal Premium Online!orize
CAREER OF RELIANCE
Our Belief
We believe that you are the force behind the company. And with your growth
will come the drive that can take this company to higher and stronger levels.
Creating a huge wave of satisfaction, not only for our customers and us, but for
your career .
Why Us?
Whatever your career goal, Reliance Life Insurance is a company big enough for
your dreams. We, along with the other businesses of Reliance Capital, enjoy a
strong position in the financial services category. And this may be the place
where you can have the career you always wanted.
We endeavor to be unique in creating an environment that makes pitting your

skills against the world a challenging, stimulating and energizing experience.
Here, we believe that bigger the challenges that we set for ourselves, the higher
they will take us. And finding resonance with this credo is our ever-increase.
Reliance Life Insurance Company Limited is a part of Reliance

Capital Ltd. of the Reliance - Anil Dhirubhai Ambani Group. Reliance Life
Insurance is another step forward for Reliance Capital Limited to offer need
based Life Insurance solutions to individuals and Corporates.
Reliance Capital Ltd. is one of India’s leading and fastest growing private sector
financial services companies, and ranks among the top 3 private sector financial
services and banking companies, in terms of net worth. Reliance Capital Ltd. has
interests in asset management, life and general insurance, private equity and
proprietary investments, stock broking and other financial services.
ACHIEVEMENTS OF RELIANCE LIFE
INSURANCE
• RLIC closed the last financial year with a New Business

Premium of Rs 3513 Crores.
• For 3 successive years, since inception, the Company has been

amongst the fastest growing Companies in the Life Insurance
Industry achieving a growth rate of 28% in the last financial
year against a market growth of -6%. In the Individual Business
segment, the company achieved a growth rate of 59% in terms
of WRP against the private industry growth of 1%.
• Reliance Life has been one of the fastest gainers in market share
growing from 1.9% amongst private players in Mar'06 to 10.3%
as of Mar'09. This has resulted in the Company growing to
becoming the 4th largest private player in just two years
starting at position of 11.
• The Company has been the fastest company to reach the 3

million policy mark and was the 3rd largest private insurer in
terms of Policy count in 2008-09
• Reliance Life has accomplished a large distribution ramp-up in

the Industry in a short span of time by opening 1145 branches
in just over 2 year.
• RLIC continues to be amongst the foremost Life Insurance
companies in India to be certified ISO 9001:2000 for all the
processes.
• Awarded the Jamnalal Bajaj Uchit Vyavahar Puraskar 2007-

Certificate of Merit in the Financial Services category by
Council for Fair Business Practices (CFBP).
The Company has also won the DL Shah Quality Council of India
Commendation Award in the services category in feb 2008 for its
work on promoting 'self help channels for service'
DIRECTORS OF RELIANCE LIFE

INSURANCE
BOARD OF DIRECTORS
Gautam Doshi, Director

Gautam is the Group Managing Director of Reliance Anil Dhirubhai Ambani
Group and Director of Reliance Life Insurance Company Limited.
In his long and illustrious career spanning 30 years, Gautam has held key
positions in various organisations such as M/s. Bansi S. Mehta, RSM & Co.
and Ambit Corporate Finance Pvt. Ltd. Presently, as a Board member of
various reputed public limited companies, Gautam continues to power the
industry with his profound knowledge and expertise.
Gautam, a qualified Chartered Accountant, has served as the Chairman of the

Institute of Chartered Accountants of India for the year 1982–83. He was also
elected to the Council of the Institute of Chartered Accountants of India for
two consecutive terms spanning over 1992 to 1998.
Satya Pal Talwar, Director

Satya Pal is the Director of Reliance Life Insurance Company Limited. He
holds an experience of more than 35 years in operations and policy
formulation.
THROUGH his distinguished service in the financial industry, Satya Pal has
served as the ‘Chairman and Managing Director’ of renowned organisations
such as Bank of Baroda, Union Bank of India and Oriental Bank of Commerce.
His in-depth knowledge of the sector has seen him rise quickly into pivotal
positions at advisory and board levels in Indian and as well Global
organisations such as SEBI, IDBI and MasterCard International. He has also
held the coveted position of Deputy Governor of RBI from 1994 to 2001.
Satya Pal holds a degree in Law. He is a Certified Associate of the Indian

Institute of Bankers and a member of the Indian Council of Arbitration.
Saumen Ghosh, Group President

Saumen is currently the Group President of Reliance Capital Limited.
Saumen has worked in the UK for one of the leading Chartered Accountancy
firms and then moved to Australia to join a subsidiary of the Allianz Group
where he held various senior positions in the finance and international
division. In his immediate past assignment, before joining Reliance Capital
Limited, Saumen was responsible for the overall Allianz operations in India
and Middle East.
Saumen is a qualified Chartered Accountant and is a member of the Institute

of Chartered Accountant in England & Wales and Australia.
LIFE INSURANCE CORPORTION
The Life Insurance Corporation (LIC) of India founded in 1956 is the largest life
insurance company in India owned solely by the Government of India.
Headquartered in Mumbai, which is considered the financial capital of India, LIC
presently has 7 Zonal Offices and 100 Divisional Offices situated all around the
country. In addition to an even distribution of 2048 branches located in different
towns and cities of India, LIC also has a network of around one million agents.
Life Insurance is insurance for you and your family's peace of mind. Life
insurance is a policy that people buy from a life insurance company, which can
be the basis of protection and financial stability after one's death. Its function is to
help beneficiaries financially after the owner of the policy dies.
It can also be a form of savings in the long run if you purchase a plan, which
offers the option of contributing regularly. Additionally, a little known function of
life insurance is that it can be tied in with a person's pension plan. A person can
make contributions to a pension that is funded by a life insurance company.
These are considered PRIVATE PENSION
LIC PLANS
INSURANCE PLANS
PENSION PLAN
UNIT PLAN
INSURANCE PLANS
As individuals it is inherent to differ. Each individual’s insurance needs and requirements

are different from that of the others. LIC’s Insurance Plans are policies that talk to you
individually and give you the most suitable options that can fit your requirement.
Jeevan Anurag
CDA Endowment Vesting At 21
CDA Endowment Vesting At 18
Jeevan Kishore
Child Career Plan
Child Fortune Plus

Jeevan Aadhar
Jeevan Vishwas
The Endowment Assurance Policy
The Endowment Assurance Policy-Limited Payment
Jeevan Mitra(Double Cover Endowment Plan)
Jeevan Mitra(Triple Cover Endowment Plan)
Jeevan Anand
Jeevan Shree-I
Jeevan Pramukh
DATE OF LIC ESTABLISHMENT
Date of Establishment 1956
Revenue Not Available
Market Cap Not Available
Address
1st Floor,West Wing, Mumbai Do-Iv,
Yogakshema, Jeevan Bima Marg, Mumbai - 400
021, India
Branches 8 Zonal Offices and 101 Divisional Offices

Management Team
T.S. Vijayan - Chairman
D.K. Mehrotra - MD, LIC
Thomas Mathew T - MD, LIC
A K Dasgupta - MD, LIC
Arun Ramanathan - Secretary, Financial
Services, Dept. of Financial Services, Ministry
of Finance, Govt of India
Sindhushree Khullar - Addl. Secretary, Dept of
Economic Affairs, Ministry of Finance
Yogesh Lohiya - Chairman cum MD, GIC of
India
T.C. Venkat Subramanian - Chairman & MD,
Export Import Bank of India.
Overview
The largest life insurance company in India,
Life Insurance Corporation is fully owned by
the government. It provides individual life
insurance, group insurance and pension plans.
Its subsidiaries include Life Insurance
Corporation of India International, LIC Nepal,
LIC Lanka, LIC Housing Finance and LICHFL
Care Homes. It has over 12 million policy
holders and over 9 lakh agents. It has
underwritten more than 120 million policies.
company is on the Internet and is utilizing
Information Technology in servicing its

clients. It has bagged various award including
Loyalty Awards 2008 in Insurance
.Sector,.NDTV Profit Business Leadership
Award – 2007, CNBC Awaaz Consumer
Awards 2007 and Outlook Money NDTV Profit
Awards 2007.
PENSION PLAN
Pension Plans are Individual Plans that gaze into your future and foresee financial
stability during your old age. These policies are most suited for senior citizens and
those planning a secure future, so that you never give up on the best things in life.
Jeevan Nidhi
Jeevan Akshay-VI
New Jeevan Dhara-I
New Jeevan Suraksha-I

ROLE OF LIFE INSURANCE CORPORTION
Insurance is an attractive option for investment. While most people recognize the
risk hedging and tax saving potential of insurance, many are not aware of its
advantages as an investment option as well. Insurance products yield more
compared to regular investment options, and this is besides the added incentives
(read bonuses) offered by insurers.
You cannot compare an insurance product with other investment schemes for the
simple reason that it offers financial protection from risks, something that is
missing in non-insurance products.
In fact, the premium you pay for an insurance policy is an investment against
risk. Thus, before comparing with other schemes, you must accept that a part of
the total amount invested in life insurance goes towards providing for the risk
cover, while the rest is used for savings.
In life insurance, unlike non-life products, you get maturity benefits on survival
at the end of the term. In other words, if you take a life insurance policy for 20
years and survive the term, the amount invested as premium in the policy will
come back to you with added returns. In the unfortunate event of death within
the tenure of the policy, the family of the deceased will receive the sum assured.
Now, let us compare insurance as an investment options. If you invest Rs 10,000

in PPF, your money grows to Rs 10,950 at 9.5 per cent interest over a year. But in
this case, the access to your funds will be limited. One can withdraw 50 per cent
of the initial deposit only after 4 years.
The same amount of Rs 10,000 can give you an insurance cover of up to

approximately Rs 5-12 lakh (depending upon the plan, age and medical
condition of the life insured, etc) and this amount can become immediately
available to the nominee of the policyholder on death.
Thus insurance is a unique investment avenue that delivers sound returns in

addition to protection



addition to protection.
Types of life insurance corporation

Term Life Insurance
Term Life Insurance is a type of insurance policy whereby the insured pays a
fixed sum for a period of time. This sum remains constant. The premium
charged is very nominal. The Policy holders normally survive even after its
expiry unless they are affected by fatal disease or injured in an accident. This
policy does not cost much. Once the policy expires the insured is also at liberty
to renew the same but he will have to pay the revised rates of premium. Such a
change could sometimes be too high. This is one of the drawbacks of this
policy. But for this factor, it is economical and highly recommended for the
salaried youth and middle men. Whole term insurance policy is another
classification in term life insurance. In a whole term insurance the insured
pays the fixed amount throughout his life.
The different categories of term life insurance policy are as follows:
Group Term Life Insurance
TYPE of insurance is taken by the employer for his employees. The employer
either pays the premiums from his kitty or by deducting the appropriate
amount from the salary of individual employees. This policy provides lot of
benefits but it cannot be relied solely to meet your insurance needs. This type
of insurance is gaining significance in the developing countries.
Level term Life Insurance

This type of insurance requires you to select a particular period and pay
premiums for the selected period. The policy automatically matures on the
attainment of the selected period. Once you select the term say 5 10 or 15 years
you cannot revoke it. This type of insurance is ideal for those people who are
not able to make long term financial plans.
Permanent insurance
Life Insurance is an expensive Policy. This Policy cannot be stopped on any
occasion as long as the premiums are paid regularly and you don't want to end
the policy. In a permanent Life Insurance policy you pay premiums for an
indefinite period irrespective of the fact they exceed the amount to be
distributed to your dependents in case of death.
Such surplus will be deposited by the company in a separate account. They

will yield higher returns if the company performs well. A share of the profits
is periodically dispatched to you. You have the option of raising loans out of
those funds or accumulate them back in the account. In case you decide to end
the policy you will paid back with the surrender value .If the insurer decides
to retain the profits made from your investment with him then you are not
required to pay income tax for that amount. There is a possibility like, when
you withdraw certain amount of money within the given limit you need not
pay income tax for that amount. But when you deposit money in the bank you
have to pay income tax irrespective of the fact you utilize it or not.
If the insurer decides to retain the profits made from your investment with
him then you are not required to pay income tax for that amount. There is a
possibility like, when you withdraw certain amount of money within the
given limit you need not pay income tax for that amount. But when you
deposit money in the bank you have to pay income tax irrespective of the fact
you utilize it or not.
It is however advised not to choose permanent insurance if your motive is

solely investments and tax exemptions. In that case it is advised to invest in
some form of cheap investments and make use of other financial instruments
for saving tax because the basic objective of insurance is neither investment
nor tax exemption.
HDFC Standard Life Insurance
A little about HDFC Standard Life Insurance.
HDFC Standard Life Insurance is a new Indian life insurance company that
operates out of 52 locations. It offers clients a range of insurance plans to meet
their savings, investment and protection needs. In the financial year 2002-03,
the company registered a year-on-year growth of over 260%. It is also the first
new life insurance company to declare its third successive bonus for
participating policy holders.
The company's growing pains. In order to survive in the insurance segment,

HDFC had to introduce new products. They wanted to launch a Unit Linked
Insurance Scheme in 2 months. They were looking for a robust and integrated
solution to support the new product. HDFC was also facing numerous
problems with their current systems in terms of performance, reliability and
scalability. IBM was the right choice.
The IBM solution.The financial community in India and all over the world
had opted for the IBM eServer iSeries. HDFC Standard Life Insurance decided
to do.
the same. The solution recommended by IBM included an eServer iSeries
model 810 Enterprise Edition for production and a Model 800 Standard for
testing and development. Both the systems currently run LifeAsia/400.
The result - Life is secure.With CSC LifeAsia and the iSeries, HDFC could
complete projects much ahead of their deadlines. They found the IBM iSeries
a highly integrated system that made implementation faster and more
efficient.
BAJAJ LIFE INSURANCE
Bajaj Allianz Life Insurance Co Ltd is a unique joint venture among the global
giants Allianz Group (AG) and Bajaj Auto. Allianz AG's world ranking
establishes it among the top insurance companies in the world. Bajaj is the
biggest two and three wheeler manufacturer in the world. Bajaj Allianz Life
Insurance Company boasts of a nationwide presence with 876 offices and over 4
million satisfied customers. The various insurance products ARE:
Individuals Plans
 Unit Gain Insurances

 Lifetime Care Insurance Policy
 Business Insurance Policies
 Savings And Security Policies For You And Your Family
 Rural Insurance Plan

 Healthcare Insurance
 Financial Insurance
 Pension Plus
 Retirement Plans
 Children's Policies
 Endowment Plans and many more.
Group Insurance Schemes
 Insurance For Employee-Employer Groups

 Insurance For Non-Employer - Employee Groups
 Employees Deposit Linked Insurance
 New Group Superannuation Scheme .
 NEW GROUP Gratuity Care Scheme.
Special Insurance Policies for NRI's
 Investgain Endowment Plan

 Cashgain Money Back Plan
 ·Childgain Kids Special Plan.
 SWARNA Vishranthi.
Bajaj Allianz India offers convenient premium payment and receipt options. The
payments can be direct through cheques, DD's or directly from your accounts or
through credit card. The premiums can also be paid online. The insurance policy
holders who also have an account with Standard Chartered Bank can avail the
direct debit mandate facility.
The Bajaj Allianz Life Insurance website offers human life value estimator, child
education cost calculator, retirement solutions and required pension estimator
and premium calculator online. The Bajaj Allianz insurance agents will guide
you about the general life insurance policies best suited to your needs. The
insurance agent also briefs you about the insurance quote and the terms on the
policy quotes.
Allianz Bajaj Life Insurance
Company LimiteD
Bajaj Auto Ltd
Bajaj Auto Ltd the flagship company of Bajaj Group was incorporated in 1945 as
Bachraj Trading Corporation. Initially it started by assembling two and three
wheelers in collaboration with Piaggio of Italy. After the expiry of the agreement
in 1971 the two and three wheelers acquired the brand name of Bajaj. The
strength of the company lies in its strong brand image and ability to offer value
for money products leveraging on its large-scale operations.
Allianz AG
Allianz group was founded in 1890 and is one of the world's leading insurance
companies with over 100 years' experience in insurance and related services. It is
also the largest insurer in Europe. Allianz group has multi-local structure and
presence in over 70 countries. The key business areas of Allianz group include
General Insurance (property, engineering, marine, motor, casualty and
miscellaneous), Reinsurance, Risk Management, Life & health insurance, Asset
Management and Pension Funds Management.
Cornhill Insurance in the United Kingdom, Fireman's Fund in the United States
of America, AGF in France, RAS s.p.a in Italy, MMI in Australia are some
companies under Allianz group. Rated 'AAA' by S&P it has assets over 670
billion DM (Rs. 17,160 billion) under its management with employee strength of
over 1,05,700..
The Joint Venture

Allianz Bajaj Life Insurance Co. Ltd. company is a joint venture between Allianz
AG and Bajaj Auto Limited. Characterized by global presence with a local focus
and driven by customer orientation to establish high earnings potential and
financial strength, Allianz Bajaj Life Insurance Co. Ltd. was incorporated on 12th
March 2001. The company received the Insurance Regulatory and Development
Authority (IRDA) Certificate of Registration (R3) No 116 on 3rd August 2001 to
conduct Life Insurance business in India.
BAJAJ PRODUCT
UNIT LINKED
Regular
Premium
New UnitGain
PENSION TRADITIONAL TERM PLANS
Super
UnitGain Plus Annuity Endowment Protector
Gold Pension InvestGain Term Care
New UnitGain Guarantee SaveCare New Risk Care
Plus
Economy SP
New UnitGain Retirement Life Time Care
YoungCare Future Income Super Saver
YoungCare Generator
Plus Swarna
New Vishranti Money Back
FamilyGain-R New UnitGain CashGain
Easy Pension
Single Plus RP
Premium New UnitGain
New UnitGain Easy Pension
Premier SP Plus SP
New UnitGain Future Secure
Plus SP
WOMEN HEALTH CHILDREN PLAN JUST LAUNCHED

INSURANCE
Care First ChildGain Family Assure
Miss Confident
Health Care Fortune Plus
Plans
Family CenturyPlus II
CareFirst UnitGain
Protection Plus
Invest Plus
GROUP MICRO ADDITIONAL
INSURANCE RIDER BENEFITS
Non Employer
Employee Alp Nivesh Unit Linked
Credit Shield Yojana Additional Rider
Group Term Jana Vikas Benefits
Life(Non Employer Yojana UL Waiver of
Employee) Saral Premium Benefit
Suraksha UL Family
Group Suraksha
Yojana Income Benefit
Swayam Shakti
Suraksha
Group Loan Non Unit Linked
Protector Additional Rider
Group Income Benefits
Protection
WHAT IS LIFE INSURANCE
Human life is subject to risks of death and disability due to natural and
accidental causes. When human life is lost or a person is disabled
permanently or temporarily, there is a loss of income to the household.
The family is put to hardship. Sometimes, survival itself is at stake for
the dependants. Risks are unpredictable. Death/disability may occur
when one least expects it. An individual can protect himself or herself
against such contingencies through life insurance.
Life insurance is insurance on human beings. Though Human life

cannot be valued, a monetary sum could be determined which is based
on loss of income in future years. Hence in life insurance, the Sum
Assured (or the amount guaranteed to be paid in the event of a loss) is
by way of a ‘benefit’ in the case of life insurance. Life insurance
products provide a definite amount of money to the dependants of the
insured in case the life insured dies during his active income earning
period or becomes disabled on account of an accident causing
reduction/complete loss in his income earnings.
An individual can also protect his old age when he ceases to earn and
has no other means of income – by purchasing an annuity product.
There are a number of life insurance products which offer protection

and also coupled with savings.
A term insurance product provides a fixed amount of money on death

during the period of contract.
A whole life insurance product provides a fixed amount of money on

death.
An Endowment Assurance product provided a fixed amount of money

either on death during the period of contract or at the expiry of
contract if life assured is alive.
A money back assurance product provides not only fixed amounts
which are payable on specified dates during the period of contract, but
also the full amount of money assured on death during the period of
contract.
An annuity product provides a series of monthly payments on

stipulated dates provided that the life assured is alive on the stipulated
dates.
A linked product provides not only a fixed amount of money on death
but also sums of money which are linked with the underlying value of
assets on the desired dates.
There are a variety of life insurance products to suit to the needs of

various categories of people—children, youth, women, middle-aged
persons, old people; and also rural people, film actors and unorganized
labourers.
Life insurance products could be purchased from registered life

insurers notified by the IRDA. Insurers appoint insurance agents to sell
their products. Public who are interested to buy life insurance products
should receive proper advice from insurance agents/insurer so that a
right product could be chosen to suit particular financial needs.
Thus life insurance policies offer protection and security to families and
provide happiness to society.
LIFE INSURANCE CORPORTION
The Life Insurance Corporation (LIC) of India founded in 1956 is the largest life
insurance company in India owned solely by the Government of India.
Headquartered in Mumbai, which is considered the financial capital of India, LIC
presently has 7 Zonal Offices and 100 Divisional Offices situated all around the
country. In addition to an even distribution of 2048 branches located in different
towns and cities of India, LIC also has a network of around one million agents.
Life Insurance is insurance for you and your family's peace of mind. Life
insurance is a policy that people buy from a life insurance company, which can
be the basis of protection and financial stability after one's death. Its function is to
help beneficiaries financially after the owner of the policy dies.
It can also be a form of savings in the long run if you purchase a plan, which
offers the option of contributing regularly. Additionally, a little known function of
life insurance is that it can be tied in with a person's pension plan. A person can
make contributions to a pension that is funded by a life insurance company.
These are considered PRIVATE PENSION
HISTORY OF LIFE INSURANCE
The first two decades of the twentieth century saw lot of

growth Life Insurance in its modern form came to India from
England in the year 1818. Oriental Life Insurance Company
started by Europeans in Calcutta was the first life insurance
company on Indian Soil. All the insurance companies
established during that period were brought up with the
purpose of looking after the needs of European community
and Indian natives were not being insured by these
companies. However, later with the efforts of eminent people
like Babu Muttylal Seal, the foreign life insurance companies
started insuring Indian lives. But Indian lives were being
treated as sub-standard lives and heavy extra premiums
were being charged on them. Bombay Mutual Life Assurance
Society heralded the birth of first Indian life insurance
company in the year 1870, and covered Indian lives at
normal rates. Starting as Indian enterprise with highly
patriotic motives, insurance companies came into existence
to carry the message of insurance and social security
through insurance to various sectors of society. Bharat
Insurance Company (1896) was also one of such companies
inspired by nationalism. The Swadeshi movement of 1905-
1907 gave rise to more insurance companies. The United
India in Madras, National Indian and National Insurance in
Calcutta and the Co-operative Assurance at Lahore were
established in 1906. In 1907, Hindustan Co-operative
Insurance Company took its birth in one of the rooms of the
Jorasanko, house of the great poet Rabindranath Tagore, in
Calcutta. The Indian Mercantile, General Assurance and
Swadeshi Life (later Bombay Life) were some of the
companies established during the same period. Prior to 1912
India had no legislation to regulate insurance business. In
the year 1912, the Life Insurance Companies Act, and the
Provident Fund Act were passed. The Life Insurance
Companies Act, 1912 made it necessary that the premium
rate tables and periodical valuations of companies should be
certified by an actuary. But the Act discriminated between
foreign and Indian companies on many accounts, putting the
Indian companies at a disadvantagein insurance business.
From 44 companies with total business-in-force as Rs.22.44
crore, it rose to 176 companies with total business-in-force
as Rs.298 crore in 1938. During the mushrooming of
insurance companies many financially unsound concerns
were also floated which failed miserably. The Insurance Act
1938 was the first legislation governing not only life
insurance but also non-life insurance to provide strict state
control over insurance business. The demand for
nationalization of life insurance industry was made
repeatedly in the past but it gathered momentum in 1944
when a bill to amend the Life Insurance Act 1938 was
introduced in the Legislative Assembly. However, it was
much later on the 19th of January, 1956, that life insurance
in India was nationalized. About 154 Indian insurance
companies, 16 non-Indian companies and 75 provident were
operating in India at the time of nationalization.
Nationalization was accomplished in two stages; initially the
management of the companies was taken over by means of
an Ordinance, and later, the ownership too by means of a
comprehensive bill. The Parliament of India passed the Life
Insurance Corporation Act on the 19th of June 1956, and the
Life Insurance Corporation of India was created on 1st
September, 1956, with the objective of spreading life
insurance much more widely and in particular to the rural
areas with a view to reach all insurable persons in the
country, providing them adequate financial cover at a
reasonable cost.
LIC had 5 zonal offices, 33 divisional offices and 212 branch

offices, apart from its corporate office in the year 1956.
Since life insurance contracts are long term contracts and
during the currency of the policy it requires a variety of
services need was felt in the later years to expand the
operations and place a branch office at each district
headquarter. re-organization of LIC took place and large
numbers of new branch offices were opened. As a result of
re-organisation servicing functions were transferred to the
branches, and branches were made accounting units. It
worked wonders with the performance of the corporation. It
may be seen that from about 200.00 crores of New Business
in 1957 the corporation crossed 1000.00 crores only in the
year 1969-70, and it took another 10 years for LIC to cross
2000.00 crore mark of new business. But with re-
organisation happening in the early eighties, by 1985-86 LIC
had already crossed 7000.00 crore Sum Assured on new
policies.
Today LIC functions with 2048 fully computerized branch
offices, 100 divisional offices, 7 zonal offices and the
Corporate office. LIC’s Wide Area Network covers 100
divisional offices and connects
OBJECTIVES OF LIFE INSURANCE
• Spread Life Insurance widely and in particular to the rural areas and to
the socially and economically backward classes with a view to reaching all
insurable persons in the country and providing them adequate financial
cover against death at a reasonable cost.
• Maximize mobilization of people's savings by making insurance-linked

savings adequately attractive.
• Bear in mind, in the investment of funds, the primary obligation to its

policyholders, whose money it holds in trust, without losing sight of the
interest of the community as a whole; the funds to be deployed to the best
advantage of the investors as well as the community as a whole, keeping
in view national priorities and obligations of attractive return.
• Conduct business with utmost economy and with the full realization that
the moneys belong to the policyholders.
• Act as trustees of the insured public in their individual and collective

capacities.
• Meet the various life insurance needs of the community that would arise
in the changing social and economic environment.
• Involve all people working in the Corporation to the best of their

capability in furthering the interests of the insured public by providing
efficient service with courtesy.
Promote amongst all agents and employees of the Corporation a sense of

participation, pride and job satisfaction through discharge of their duties with
dedication towards achievement of Corporate Objective.
TYPES OF LIFE INSURANCE
Term Insurance Policy
• A term insurance policy is a pure risk cover for a specified period of

time. What this means is that the sum assured is payable only if the
policyholder dies within the policy term. For instance, if a person buys
Rs 2 lakh policy for 15-years, his family is entitled to the money if he
dies within that 15-year period.
• What if he survives the 15-year period? Well, then he is not entitled to

any payment; the insurance company keeps the entire premium paid
during the 15-year period.
Whole Life Policy
As the name suggests, a Whole Life Policy is an insurance cover against ,

irrespective of when it happens.
Under this plan, the policyholder pays regular premiums until his death,
following which the money is handed over to his family.
This policy, however, fails to address the additional needs of the insured
during his post-retirement years. It doesn't take into account a person's
increasing needs either. While the insured buys the policy at a young age, his
requirements increase over time. By the time he dies, the value of the sum
assured is too low to meet his family's needs. As a result of these drawbacks,
insurance firms now offer either a modified Whole Life Policy or combine in
with another type.
ENDOWMENT Policy
• In an Endowment Policy, the sum assured is payable even if the insured

survives the policy term.
• If the insured dies during the tenure of the policy, the insurance firm
has to pay the sum assured just as any other pure risk cover.
• A pure endowment policy is also a form of financial saving, whereby if
the person covered remains alive beyond the tenure of the policy, he
gets back the sum assured with some other investment benefits.
In addition to the basic policy, insurers offer various benefits such as double
endowment and marriage/ education endowment plans. The cost of such a
policy is slightly higher but worth its value.
TYPES OF LIFE INSURANCE
Term Insurance Policy.
Whole Life Policy.
Endowment Policy.
Money Back Policy.

Annuities And Pension
Life insurance as "Tax planning"
Insurance serves as an excellent tax saving mechanism too.

The Government of India has offered tax incentives to life
insurance products in order to facilitate the flow of funds into
productive assets. Under Section 88 of Income Tax Act 1961,
an individual is entitled to a rebate of 20 per cent on the
annual premium payable on his/her life and life of his/her
children or adult children. The rebate is deductible from tax
payable by the individual or a Hindu Undivided Family. This
rebate is can be availed upto a maximum of Rs 12,000 on
payment of yearly premium of Rs 60,000. By paying Rs 60,000
a year, you can buy anything upwards of Rs 10 lakh in sum
assured. (depending upon the age of the insured and term of
the policy) This means that you get a Rs 12,000 tax benefit. The
rebate is deductible from the tax payable by an individual or a
Hindu Undivided Family.
Life insurance as "Risk cover"

First and foremost, insurance is about risk cover and protection - financial
protection, to be more precise - to help outlast life's unpredictable losses.
Designed to safeguard against losses suffered on account of any unforeseen
event, insurance provides you with that unique sense of security that no other
form of investment provides. By buying life insurance, you buy peace of mind
and are prepared to face any financial demand that would hit the family in case
of an untimely demise.
To provide such protection, insurance firms collect contributions from many

people who face the same risk. A loss claim is paid out of the total premium
collected by the insurance companies, who act as trustees to the monies.
Insurance also provides a safeguard in the case of accidents or a drop in income

after retirement. An accident or disability can be devastating, and an insurance
policy can lend timely support to the family in such times. It also comes as a
great help when you retire, in case no untoward incident happens during the
term of the policy.
With the entry of private sector players in insurance, you have a wide range of
products and services to choose from. Further, many of these can be further
ROLE OF LIFE INSURANCE



addition to protection



addition to protection.
Insurance Companies In India
• Birla Sun Life Insurance Co. Ltd

• HDFC Standard life Insurance Co. Ltd
• ICICI Prudential Life Insurance Co. Ltd.
• ING Vysya Life Insurance Company Ltd.
• Life Insurance Corporation of India
• Max New York Life Insurance Co. Ltd
• Met Life India Insurance Company Ltd.
• Kotak Mahindra Old Mutual Life Insurance Limited
• SBI Life Insurance Co. Ltd
• Tata AIG Life Insurance Company Limited
• Reliance Life Insurance Company Limited.
• Aviva Life Insurance Co. India Pvt. Ltd.
• Shriram Life Insurance Co, Ltd.
• Sahara India Life Insurance
• Bharti AXA Life Insurance
• Future Generali Life Insurance
• IDBI Fortis Life Insurance
• Canara HSBC Oriental Bank of Commerce Life Insurance
• Religare Life Insurance
• DLF Pramerica Life Insurance
• Star Union Dai-ichi Life Insurance
• Agriculture Insurance Company of India
• Apollo DKV Insurance
• Cholamandalam MS General Insurance
• HDFC Ergo General Insurance Company
• ICICI Lombard General Insurance
• IFFCO Tokio General Insurance
• National Insurance Company Ltd
• New India Assurance
• Oriental Insurance Company
• Reliance General Insurance
• Royal Sundaram Alliance Insurance
• Shriram General Insurance Company Limited
• Tata AIG General Insurance
• United India Insurance
• Universal Sompo General Insurance Co. Ltd
HDFC LIFE INSURANCE
HDFC Standard Life Insurance Co. Ltd was incorporated on 14th

august 2000. It is a joint venture between Housing Development
Finance Corporation Limited (HDFC Ltd.) India and UK based Standard
Life Company. Both the joint venture partners being one of the leaders
in their respective areas came together in this 81.4:18.6 joint venture
to form HDFC Standard Life Insurance Company Limited.
The MD and CEO of HDFC Standard Life Mr. Deepak Satwalekar, has
given the company new directions and has helped the company
achieve the status it currently enjoys. HDFC Standard Life brings to
you a whole range of insurance solutions be it group or individual or
NAV services for corporations, they can be easily customized as per
specific needs.
HDFC Standard Life Insurance India boasts of covering around 8.7 lakh
lives by March'2007. The gross incomes standing at a whopping Rs. 2,
856 crores, HDFC Standard Life Insurance Corporation is sure to
become one of the leaders and the first preference for any life
insurance customer.
The Bancassurance partners of HDFC Standard Life Insurance Co Ltd

are HDFC, HDFC Bank India Limited, Union Bank of India, Indian Bank,
Bank of Baroda, Saraswat Bank and Bajaj Capital.
Factors Affecting Insurance Quotes
Some of the factors that affect life insurance quotes are as follows
Health
This happens to be an important parameter not only for life insurance but also for
other form of insurance like disability insurance, health insurance. The health of a
person is inversely directly proportional to the insurance premiums. A person who
enjoys a good health will generally pay a lower insurance compared with the
person who suffers from some sort of chronic illness and fatal disease.
Age and Income
This factor has a close relation with the previous one. The age of a person
speaks for his health the number of years he is expected to live and so on. A
young person is likely to pay lesser premium. The reverse is also equally true. A
person with higher income may not be expected to pay a higher premium
because his payments are guaranteed. This is also to decide term life insurance
quotes and affordable life insurance quotes.
Physical Features
However the insurer levies a moderate amount of premiums as far as person with
lower incomes are considered to ensure that there is a prompt settlement of
premiums. Similarly there is no upper limit for a person with higher income. The
insurance company will accept any amount that he is willing to pay as long as
they fall in line with the policy rules and regulations or are not forbidden by any
other contract of law operating in this context.
Some factors like height and weight have a great role to play in
deciding an insurance quote. Insurance companies also require the
insured to meet certain minimum requirements in some cases. These
stipulations are to help the insurer in deciding the life insurance quote
on the basis of physical features that have a reasonable influence on
the life span of an individual either directly or indirectly.
Family Details
The insurer also considers the marital status of the individual, the
number of children and dependents. In addition the health history of
the family and dependents will also be collected. The premium tends
to be higher as long as the number of dependents and family
members are high. The medical history of the family members and
dependents influences the rate of premiums.
TATA AIG LIFE INSURANCE PLAN
TATA AIG JEEVAN LAKSHYA PLAN
KEY FEATURES
. MINIMUM ISSUE AGE OF 0 (30DAYS) AND MAXIMUM AGE OF

60 YEARS WITH MAXIMUM MATURITY AGE OF 75 YEARS.
. POLICY TERM: 15/20/25/30 YEARS.
. PRENIUM PAYING TERM: SAME AS POLICY TERM.

. MINIMUN ANNUALIZED PRENIUM: RS.18000.
. MAXIMUN ANNUALIZED PRENIUM: RS.50000.
. SUM ASSURED: 5 TIMES THE ANNUALIZED PREMIUM.
. SIX INVESTMENT FUND OPTIONS.
BENEFITS UNDER JEEVAN LAKSHYA PLAN
DEATH BENEFIT
MATURITY BENEFIT
ADDITIONAL ALLOCATION
SETTLEMENT OPTION
DECREASE THE TOP- UP SUM ASSURED
WHERE THE MONEY INVESTED?
EQUITY FUND
INCOME FUND
AGGRESSIVE GROWTH FUND

STABLE GROWTH FUND
SHORT TERM FIXED INCOME FUND
HOW NAV IS CALCULATED?
NAV MEANS NET ASSET VALUE . IT CAN BE CALCUTED AS NAV

PER UNIT = (MARKET/ FAIR VALUE OF THE INVRSTMENT
HELD BY THE UNIT FUND + EXPENSES INCURRED IN THE
PURCHASE OF THE ASSET + VALUE OF CURRENT ASSET +
ACCRUED INCOME NET OF FUND MANAGEMENT CHARGES –
CURRENT LIABILITIES / TOTAL NO OF UNITS EXITING IN THE
UNIT FUND.
POLICY YEAR X%
6 10
7 15
8 20
9+ NR
SWARANA JEEVAN
PRENIUM PAYMENT OPTION REGULAR LIMITED PERIOD:5

YEARS
MIN./MAX.ISSUE AGE 18 YEARS/65 YEARS
MIN. VESTING AGE 45 YEARS
MAX.VESTING AGE 75 YEARS
MINIMUM ANNUALIZED RS 20,000
PRENIUM
AGE FUTURE FUTURE
BAND EQUITY INCOME
PENSION PENSION
FUND FUND
18-25 85% 15%
26-30 80% 20%
31-35 75% 25%
36-40 70% 30%
FEATURES OF SWARANA JEEVAN
. FLEXIBILITY OF POLICY TERM.
. FLEXIBILITY TO CHOOSE OPTION OF INCRESING

PRENIUM EVERY YEAR –TOOL TO FLIGHT
INFLATION.
. EASY TO PURCHASE OPTION WITH SWARNA JEEVAN

CERTIFICATE.
. REGULAR INCOME POST RETIREMENT.

HDFC LIFE INSURANCE PLANS
. PROTECTION PLAN
. CHILDREN PLAN
. HEALTH PLAN
PROTECTION PLANS
Protection Plans help you shield your family from uncertainties in life due to
financial losses in terms of loss of income that may dawn upon them incase of
your untimely demise or critical illness. Securing the future of one’s family is one
of the most important goals of life. Protection Plans go a long way in ensuring
your family’s financial independence in the event of your unfortunate demise or
critical illness. They are all the more important if you are the chief wage earner in
your family. No matter how much you have saved or invested over the years,
sudden eventualities, such as death or critical illness, always tend to affect your
family financially apart from the huge emotional loss.
For instance, consider the example of Amit who is a healthy 25 year old guy with
a income of Rs. 1,00,000/- per annum. Let's assume his income increases at a
rate of 10% per annum, while the inflation rate is around 4%; this is how his
income chart will look like, until he retires at the age of 60 years. At 50 years of
age, Amit’s real income would have been around Rs. 10,00,000/- per annum.
However, in case of Amit’s unfortunate demise at an early age of 42 years, the
loss of income to his family would be nearly Rs. 5,00,000/- per annum.
HDFC Children’s Plan
As a parent, your priority is your child’s future and being

able to meet your child’s dreams and aspirations. With
our HDFC Children’s Plan, you can start building your
savings today and ensure a bright future for your child.
This ‘With Profits’ plan is designed to secure your
child’s future by giving your child (Beneficiary) a
guaranteed lump sum on maturity or in case of your
unfortunate demise, early into the policy term.
Features
.
Advantages
• Lets you customise an ideal plan for your child and
provide invaluable financial support
• The Double Benefit Plan Option helps you secure

your child’s immediate and future needs. In case of
your unfortunate demise, we will pay the Sum
Assured to your child (Beneficiary). Your family
need not pay any further premiums and the policy
continues. And on maturity of the plan, we will pay
you the Sum Assured plus Bonuses Declared
• You can choose to pay your premium as either

Annually, Half-Yearly or Quarterly depending on
your convenience. You also have a range of
convenient auto premium payment options
• Tax benefits are offered under section 80C and

10(10D) of the Income Tax Act, 1961 .
BAJAJ LIFE INSURANCE PLANS
Unit Linked Plans

• Regular Premium
• New UnitGain Super

• UnitGain Plus Gold
• New UnitGain Plus
• New UnitGain
• YoungCare
• YoungCare Plus
• New FamilyGain-R
• Single Premium
• New UnitGain Premier SP
• New UnitGain Plus SP
Pension Plans
Annuity
• Pension Guarantee
• Retirement
• Future Income Generator
• Swarna Vishranti
• New UnitGain Easy Pension Plus RP
• New UnitGain Easy Pension Plus SP
• Future Secure
Traditional Plans
• Endowment
• InvestGain
• SaveCare Economy SP
• Life Time Care
• Super Saver
• Money Back
• CashGain
Term Plans
• Protector
• Term Care
• New Risk Care
Women Insurance Plans

• House Wives
• Working Women
Health Plans
• Care First
• Health Care
• Family CareFirst
Children Plans
• ChildGain
Group Plans
• Non Employer Employee
• Credit Shield
• Group Term Life(Non Employer Employee)
• Group Suraksha
• Swayam Shakti Suraksha
• Group Loan Protector
• Group Income Protection
• Employer Employee
• Group Term Life(Employer Employee)

• New Group Gratuity Care
• New Group Superannuation Care
• Group Save Plus
• Group Term Life in lieu of EDLI
• Group Leave Encashment Scheme
• Group Annuity
• Group Superannuation Gold
• Group Gratuity Gold
Micro Insurance
• Alp Nivesh Yojana
• Jana Vikas Yojana
• Saral Suraksha Yojana
Other Plans
• Family Assure
• Fortune Plus
• Capital Shield
• CenturyPlus II

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Reliance Life Insurance offers you products that fulfill your savings and

protection needs. Our aim is to emerge as a transnational Life Insurer of global

Reliance Life Insurance is an associate company of Reliance Capital Ltd., a part

Reliance Super Invest Assure Plan

Total Investment Plan I - Insurance

Reliance Wealth + Health Plan

Reliance Super Automatic Investment Plan

Reliance Money Guarantee Plan

Reliance Super Market Return Plan

Reliance Endowment Plan

Reliance Special Endowment Plan

Reliance Whole Life Plan

Total Investment Plan II - Pension

Reliance Super Golden Years Plan

Reliance Super Golden Years Plan - Value

Reliance Super Golden Years Plan - Plus

Reliance Wealth + Health Plan

Reliance Super Automatic Investment Plan

Electronic Bill Payment Process

We endeavor to be unique in creating an environment that makes pitting your

Reliance Life Insurance Company Limited is a part of Reliance

• RLIC closed the last financial year with a New Business

• For 3 successive years, since inception, the Company has been

• The Company has been the fastest company to reach the 3

• Reliance Life has accomplished a large distribution ramp-up in

• Awarded the Jamnalal Bajaj Uchit Vyavahar Puraskar 2007-

DIRECTORS OF RELIANCE LIFE

Gautam Doshi, Director

Gautam, a qualified Chartered Accountant, has served as the Chairman of the

Satya Pal Talwar, Director

Satya Pal holds a degree in Law. He is a Certified Associate of the Indian

Saumen Ghosh, Group President

Saumen is a qualified Chartered Accountant and is a member of the Institute

As individuals it is inherent to differ. Each individual’s insurance needs and requirements

CDA Endowment Vesting At 21

CDA Endowment Vesting At 18

Child Career Plan

Child Fortune Plus

The Endowment Assurance Policy

The Endowment Assurance Policy-Limited Payment

Jeevan Mitra(Double Cover Endowment Plan)

Jeevan Mitra(Triple Cover Endowment Plan)

Branches 8 Zonal Offices and 101 Divisional Offices

company is on the Internet and is utilizing

Information Technology in servicing its

New Jeevan Dhara-I

New Jeevan Suraksha-I

Now, let us compare insurance as an investment options. If you invest Rs 10,000

The same amount of Rs 10,000 can give you an insurance cover of up to

Thus insurance is a unique investment avenue that delivers sound returns in

Now, let us compare insurance as an investment options. If you invest Rs 10,000

The same amount of Rs 10,000 can give you an insurance cover of up to

Thus insurance is a unique investment avenue that delivers sound returns in

Types of life insurance corporation

The different categories of term life insurance policy are as follows:

Group Term Life Insurance

Level term Life Insurance

Such surplus will be deposited by the company in a separate account. They

It is however advised not to choose permanent insurance if your motive is

A little about HDFC Standard Life Insurance.

The company's growing pains. In order to survive in the insurance segment,

 Unit Gain Insurances

 Rural Insurance Plan

Group Insurance Schemes