Hdfc standard

A-Protection Plans: HDFC Standard Life Insurance-Term Assurance Plan HDFC Standard Life Insurance- Loan Cover Term Assurance Plan B-Investment Plans: HDFC Standard Life Insurance-Single Premium Whole Of Life Plan C-Savings Plans: HDFC Standard Life Insurance-Endowment Assurance Plan HDFC Standard Life Insurance-Unit Linked Endowment Plus II HDFC Standard Life Insurance-Money Back HDFC Standard Life Insurance-Unit Linked Enhanced Life Protection II HDFC Standard Life Insurance-Children`s Plan HDFC Standard Life Insurance-Unit Linked Young Star Plus II D-Pension Plans: HDFC Standard Life Insurance-Personal Pension Plan HDFC Standard Life Insurance-Unit Linked Pension Plan HDFC Standard Life Insurance-Unit Linked Pension Plus Plan

Group Plans: HDFC Standard Life has the most varied and comprehensive list of products for progressive employers who wish to provide the most customized and innovative employee benefit solutions to their employees. HDFC Standard Life Insurance-Group Term Insurance HDFC Standard Life Insurance-Group Variable Term Insurance HDFC Standard Life Insurance-Group Unit Linked Plan Social Plan: HDFC Standard Life Insurance-Development insurance Plan

Following are the Protection Plans offered by HDFC Life Insurance a. HDFC Term Assurance Plan : The Plan is designed to secure your family from any kind of financial uncertainties. It provides you high cover at nominal cost, flexibility to choose the sum assured an additional benefit options can be availed at marginal cost and gives you the option of paying single premium or regular premium. b. HDFC Premium Guarantee Plan: It is an insurance plan that comes with double advantage of protection and return of premiums* on maturity. So, you can enjoy life meaningful that your familys financial independence is secure even in your absence. And your premiums are yours on your survival at maturity. c. HDFC Loan Cover Term Assurance Plan : It protects your family form your loan liabilities in case of your demise within the policy term, a lump sum amount is provided which is a decreasing percentage of the initial Sum Assured. c. HDFC Home Loan Protection Plan : The plan protects your family from your loan liabilities in case of your unfortunate demise within the policy term. In case if you are not there to repay the monthly installment on your housing loan, then a sum of money is available towards repaying your housing loan. Children Plan - Currently available products to purchase 2. Children Plan :The children plan helps you to fulfill your childs dreams. The plan secures your childs future financially even though you are not around them. a. HDFC Children's Plan- The plan ensures that you can start building your savings today to give a bright future to your child. A the time of maturity a guaranteed lump sum is given to the beneficiary or in case of your unfortunate demise, early into the policy term. b. HDFC Unit Linked Young Star II- The plan provides a valuable protection to your child in case you are not there to support them. The unit linked plan also gives you an outstanding investment opportunity to

maximize your savings by providing you a choice of thoroughly researched & selected investments. c. HDFC SL YoungStar Super Premium - This plan offers you choice of cover options and benefit payment preferences- all designed to suit your needs. Children Plan - Old products not available for fresh purchase a. HDFC Unit Linked Young Star II- The plan provides a valuable protection to your child in case you are not there to support them. The unit linked plan also gives you an outstanding investment opportunity to maximize your savings by providing you a choice of thoroughly researched & selected investments. b. HDFC Unit Linked Young Star Plus II- The plan provides a valuable protection to your child in case you are not there to support them. The unit linked plan also gives you an outstanding investment opportunity to maximize your savings by providing you a choice of thoroughly researched & selected investments. Along with that a regularLoyalty Units are also provided to improve your fund value every year. d. HDFC Unit Linked Young Star Champion- The plan provides a valuable protection to your child in case you are not there to support them. The unit linked plan also gives you an outstanding investment opportunity to maximize your savings by providing you a choice of thoroughly researched & selected investments. Along with that the plan also provides Bumper Addition to the funds at the time of maturity. 3. Retirement Plans- The Retirement Plans of HDFC Life Insurance ensure you to provide a secure life after your retirement. It provides you with financial security in life & you dont need to comprise with your life. The plan gives you a lump sum on retirement, which helps you to get a regular income through an annuity plan. Retirement Plans - Currently available products to purchase a. HDFC Personal Pension Plan- A plan that gives you a post retirement income for life. You can choose the premium, sum assured and your retirement date too. b. HDFC Immediate Annuity- It is a contract that uses your capital to provide you with a guaranteed gross income through out your life. The income is guaranteed & is unaffected by rise or fall of interest rates. Retirement Plans - Old products not available for fresh purchase a. HDFC Unit Linked Pension II- A unit linked insurance plan that gives you an outstanding investment opportunity to maximize your saving. It also gives you Bumper Addition. b. HDFC Unit Linked Pension Maximiser II- Its a unique single premium unit linked plan, designed to provide a post retirement income with maximum investment returns. The plan also gives Bumper Addition of 10% of initial single premium at vesting & on death. 4. Saving & Investment Plans: The saving & investment plan gives you dual benefit of protection & long term savings. Along with that an assured sum for your future need.

Saving & Investment Plans - Currently available products to purchase a.HDFC SL Crest It is insurance cum investment plan that provides valuable financial protection to your family when needed the most along with an investment option for certainty of highest NAV along with a guarantee on returns. b.HDFC SL ProGrowth Super II It is savings-cum-insurance plan that will help you naturally provide the best for your family, be it today or tomorrow. c.HDFC SL ProGrowth Maximiser - This plan strives to maximize your returns so that ensuring the best for your loved ones is easy.

d. HDFC Endowment Assurance Plan- The plan will give your family a guaranteed lump sum on maturity or in case of your unfortunate demise. e. HDFC Money Back Plan- The plan gives you proportion of the basis Sum Assured as cash lump sums after every 5 years. f. HDFC Single Premium Whole of Life Insurance Plan- A single premium investment plan which provides long-term real growth of your money. g. HDFC Assurance Plan- A long term saving plan that will secure the life of your family too. h. HDFC Savings Assurance Plan- A plan which comes 'With Profits' savings plan which helps you easily build your long-term savings and ensure that your family is protected even if you are not around. Saving & Investment Plans - Old products not available for fresh purchase a. HDFC Unit Linked Endowment Plus II- With this plan you start saving today so that your family remains financially independent, even when you are not around. The plan gives you Loyalty Units to boost your fund value. b. HDFC SimpliLife- The HDFC SimpliLife Plan gives you the opportunity to maximize your savings & secure your familys future. c. HDFC Unit Linked Endowment II- The plans comes with additional benefits like Life option, extra life option, life & health option & extra life & health option. d. HDFC Unit Linked Enhanced Life Protection II- Under this plan the sum assured chosen by you will automatically increased by 5% each year. e. HDFC Unit Linked Wealth Maximiser Plus - Its a unique single premium investment cum protection plan, which gives you Loyalty Units to enhance your fund value every year. f. HDFC Unit Linked Endowment Winner- The plan gives you the choice of thoroughly researched & select the investments. It comes with Bumper Addition to the fund value at maturity. Health Plan - Currently available products to purchase 5.Health Plan - Health plans give you the financial safety to get together health related contingencies. Due to changing lifestyles, health issues have acquired completely new dimension overtime, becoming more complex in nature. It becomes imperative then to have a health plan in place, which will ensure that no substance how critical your illness is, it does not impact your financial independence. a. HDFC Critical Care Plan Its provides for a lump sum payment on survival post diagnosis of a critical illness, so that in the event a critical illness strikes, you dont have to dig into those precious savings of yours. b. HDFC SurgiCare Plan Its provides you with timely support in case you have to undergo a major surgery and hospitalization, as the case maybe, ensuring your financial independence at all times.

Icici prudential
Products: ICICI has grouped its various products into two main categories. Under these categories there are further sub-categories. They are: Individuals Group Individual Plans: ICICI Prudential Life Insurance has designed various customised and innovative insurance products to meet the various needs of the customer which keeps on changing with the changing phases of life. Thers are various riders availballe which can be addd to products to make them utmost customised. A-Savings & Wealth Creation Solutions ICICI Prudential Life Insurance-Save'n'Protect ICICI Prudential Life Insurance-CashBakLifeTime Gold & LifeTime Plus ICICI Prudential Life Insurance-LifeLink Super. ICICI Prudential Life Insurance-Premier Life GoldInvestShield Life New ICICI Prudential Life Insurance-InvestShield Cashbak ICICI Prudential Life Insurance-LifeStage RP B-Protection Solutions ICICI Prudential Life Insurance-LifeGuard ICICI Prudential Life Insurance-HomeAssure C-Education insurance plans ICICI Prudential Life Insurance-SmartKid D-Retirement Solutions ICICI Prudential Life Insurance-ForeverLife ICICI Prudential Life Insurance-LifeTime Super Pension ICICI Prudential Life Insurance-LifeLink Super Pension ICICI Prudential Life Insurance-Immediate Annuity ICICI Prudential Life Insurance-PremierLife Pension E-Health Solutions ICICI Prudential Life Insurance-Health Assure Plus

ICICI Prudential Life Insurance-Cancer Care . ICICI Prudential Life Insurance-Cancer Care Plus . ICICI Prudential Life Insurance-Diabetes Care . ICICI Prudential Life Insurance-Diabetes Care Plus ICICI Prudential Life Insurance-Hospital Care ICICI Prudential Life Insurance-Crisis Cover Group Plans: ICICI Prudential Life also offers Group Insurance Solutions for companies which aims to provide tension free working environment for their employees. ICICI Prudential Life Insurance-Group Gratuity Plan ICICI Prudential Life Insurance-Group Superannuation Plan ICICI Prudential Life Insurance-Group Immediate Annuities ICICI Prudential Life Insurance-Group Term Plan

Protection Plans: Currently available products to purchase 1) ICICI Pru iCare: It is a protect your familys future and ensure that they lead their lives comfortably without any financial worries, even in your absence. 2) Save 'n' Protect: Its a perfect plan to collect funds as savings and be protected by the insurance policy. 3) Cashbak: Its a policy with a combination of three benefits periodic liquidity, protection & savings. 4) Home Assure: It is a policy where you can cover your home loan which is a term assurance plan. 5) Life Guard: It is a cover which is available at a low cost. This plan comes with 2 options level term assurance with return of premium & single premium. 6) ICICI Pru Pure Protect It is important to ensure that your family has a term insurance cover, should something unfortunate happen to you. Protection Plan Old products not available for fresh purchase 1) ICICI Pru iprotect: It is a term insurance plan which you can buy online at your convenience in just 3 easy steps. Premium Guarantee Plans Old products not available for fresh purchase

1. InvestShield CashBak: It provides a premium guarantee and also balancing the returns, safety & liquidity. It is a unit linked plan. 2. InvestShield Life New: A plan where the customer is guaranteed that he will at least get back his

premiums. It is a unit linked plan which also provides premium guarantee and the customer gets the benefits of high returns. The policy also offers a protection to the family with a life insurance cover. Education Insurance Plans: Currently available products to purchase

1) SmartKid Regular Premium: It is a traditional plan where funds are provided for the needs of the child in the future. Education Insurance Plan - Old products not available for fresh purchase 1. SmartKid New Unit-linked Regular & Single Premium: The policy is made in such a way that the child receives money at a stage, for his educational needs. Wealth Creation Plan: Currently available products to purchase 1) ICICI Pru Elite Life It is a unit linked insurance plan, planned exclusively for preferred customers like you. This plan offers you multiple choices on how to invest your savings along with an insurance cover. 2) ICICI Pru Elite Wealth - you get rewarded with Loyalty Additions from the sixth year onwards to maximize the return on your investments. 3) ICICI Pru Guaranteed SIP: Its a limited pay endowment product that allows you to enjoy the advantage of a long term savings plan ensuring that you and your family are free of any financial uncertainties. 4) ICICI Pru Whole Life: It provides you with an exclusive twice advantage of savings and protection which not only allows you to get together your goals but also seeks to ensure that your dear ones will continue to live their lives in comfort without financial doubts in case of unexpected eventuality. 5) ICICI Pru Life Stage Wealth II: It is a unit linked insurance plan that offers various choices to decide how your savings would be invested based on your risk appetite. 6) ICICI Pru Pinnacle II: It is a unit linked insurance plan that offers protection for your family through its life insurance cover. 7) ICICI Pru Life Time premier: Its a complete savings plan that offers you a choice of collection strategies for your savings and at the same time secures you against worries of life. 8) ICICI Pru LifeLink Wealth SP: It is a unique single premium ULIP that provides the opportunity to enjoy potentially higher returns over the long term investments, with just a single premium. 9) ICICI Pru Pinnacle Super: It is a unit linked insurance plan that offers you multiple choices on how to invest your savings. Wealth Creation Plans - Old products not available for fresh purchase 1) PremierLife Gold: Premier Life Gold helps with long-term wealth creation. It is a limited premium paying plan. And from the second year onwards it also provides flexibility of premium reduction. 2) LifeStage RP: The LifeStage RP is unit linked plan that provides you with a portfolio strategy and keeps distributing your funds across the different asset classes depending on your profile. 3) Wealth Advantage: Its an exclusive whole life single premium unit linked plan that provides long term coverage up to the age of 70 years. And you have the option of withdrawing your funds systematically.

4) Lifetime Gold: This plan is a unit linked plan from which you can get high returns over a long term with easy investment options. It offers 8 fund options - Preserver, Protector, Return Guarantee Fund, Balancer, Flexi Balanced Multiplier, R.I.C.H and Flexi Growth. 5) LifeStage Assure : A unit linked insurance plan that provides Guaranteed Maturity Addition of 100%450% of first year premium based on the term and number of premiums paid. Also your funds are allocated across several asset class based on your profile. 6) LifeLink Super: Its a single premium unit linked insurance which offers premium allocation along with a chance to get high returns over the long term, and your family is also protected by this plan. Group Plans: Currently available products to purchase 1) Group Term Insurance Plan: Its a flexible group term plan which provides an inexpensive cover to members of a group. The cover is either given based on uniform or based on designation/rank or a multiple of salary. The benefit under the policy is paid to the beneficiary nominated by the member on his/her death. 2) Group Gratuity Plan: The plan helps employers fund their statutory gratuity obligation in a scientific manner and also avail of tax benefits as applicable to approved gratuity funds. 3) Group Super Annuation Plan : This plan offers a flexible market linked scheme that provides substantial benefits to both employers and employees. Both defined contribution (DC) and defined benefit (DB) schemes are offered to optimize returns for members of the trust and rationalize cost. Members have the option of choosing from various annuity options or opting for a partial commutation of the annuity at the time of retirement. 4) Annuity Solutions: This plan has annuity products which give you income and help you realize your needs. In addition to the annuities offered to existing superannuation customers, the plan also offers immediate annuities to superannuation funds managed by the team. Retirement Plans: Currently available products to purchase 1) ICICI Pru Life Link Pension SP: It is a single premium pension policy which provides you the opportunity to enjoy regular income post retirement by paying just a single premium. 2) ForeverLife : A traditional retirement product that offers guaranteed returns for the first 4 years. 3) Immediate Annuity: A single premium annuity product that assures an income for life at the time of your retirement. It has the benefit of 5 payout options. Retirement Plans - Old products not available for fresh purchase 1) LifeStage Pension: A regular premium unit linked pension plan that provides you with a unique lifecycle-based strategy that continuously re-distributes your money across various asset classes based on your age and risk profile. 2) Premier Life Pension : It is a unit-linked pension policy with a limited premium paying option for preferred customers. Health Insurance Plans: Currently available products to purchase

1) ICICI Pru Health Saver It is a comprehensive whole of life health insurance plan that takes care of hospitalization costs as well as all your health care needs. 2) ICICI Pru Hospital Care II: It is a family floater plan covering your spouse and children. 3) ICICI Pru Crisis Cover It is a comprehensive critcal illness insurance policy that provides coverage against 35 critical illnesses, total and permanent disability, and also death. Health Insurance Plans - Old products not available for fresh purchase

1) ICICI Pru MediAssure: A Health Insurance Plan with AAA guarantee for the family Assured cover till age 75 years Assured coverage for accepted pre-existing illnesses after 2 years Assured price for 3 years Moreover, this policy covers all your hospitalisation needs with the flexibility to choose your location and quality of treatment.

2) Diabetes Plans: It is a long term insurance policy created for individuals with Type II diabetes and prediabetes. It offers long term (upto 20 years) control over diabetes through a specially designed Wellness Programme including regular health checkups and a Diabetes Coach to facilitate diabetes management. It also provides you coverage against seven major critical illnesses. 3) Cancer Plans: It provide a regular premium plan that helps you with a cash benefit on the diagnosis as well as at different stages in the treatment of various cancer conditions. 4) Comprehensive Health coverage: provides comprehensive hospitalization cover and reimburses all other medical expenses by building a health fund. 5) Critical Illness Plan: It is a 360-degree product that will provide long-term coverage against 35 critical illnesses, total and permanent disability, and death. 6) Hospitalisation Plan: A health insurance policy that provides assured insurability till age 75 years, assured coverage for accepted pre-existing illnesses after 2 years and an assured price for 3 years. Also there is another hospital care plan where there is a fixed benefit plan covering various stages of treatment hospitalisation, ICU, procedures & recuperating allowance. It covers a range of medical conditions (900 surgeries) and has a long term guaranteed coverage upto 20 years. 7) Lifetime Super Pension: It is a regular premium unit linked pension plan that helps one accumulate over the long term and offers 5 annuity options (life annuity, life annuity with return of purchase price, joint life last survivor annuity with return of purchase price, life annuity guaranteed for 5, 10 and 15 years & for life thereafter, joint life, last survivor annuity without return of purchase pric5 at the time of retirement. 8) LifeLink Super Pension: A single premium unit linked pension plan Rural Plans - Currently available products to purchase 1) Suraksha & Suraksha Kavach: Its a rural plans which offer benefits like life Cover, low and Affordable Premiums and Hassle Free Procedure. 2) Micro Insurance Sarv Jana Suraksha: Sarv Jana Suraksha is a plan to provide protection and security to rural population at a very affordable cost. The family members are protected in this plan incase of death

of the policyholder. The New Product Launched by ICICI Prudential is as follows-

Anmol Nivesh for tea tribes in Assam in January 2009 Health Saver in January 2009 Wealth Advantage a unique single premium whole life ULIP in February 2009

LIC
Products: LIC has categorized its products into various groups: Insurance Plans Pension Plans Unit Plans Special Plans Group Scheme Insurance Plans: LIC understands that each individual is different from others and also their needs and requirements are not the same. This applies even to their insurance and other financial needs. LIC as such has designed various products which can be customised according to individual's needs and helps the policy holders to choose the best product for themselves. Under individual plans further sub categories have been created. A-Children Plans: LIC-Jeevan Anurag LIC-CDA Endowment Vesting At 21 LIC-CDA Endowment Vesting At 18 LIC-Jeevan Kishore LIC-Child Career Plan LIC-Marriage Endowment Or LIC-Educational Annuity Plan LIC-Komal Jeevan LIC-Jeevan Chhaya LIC-Child Future Plan B-Plans For handicapped Dependents LICJeevan Aadhar LICJeevan Vishwas

C-Endowment Assurance Plans: LIC-The Endowment Assurance Policy LIC-The Endowment Assurance Policy-Limited Payment LIC-Jeevan Mitra(Double Cover Endowment Plan) LIC-Jeevan Mitra(Triple Cover Endowment Plan) LIC-Jeevan Anand LIC-New Janaraksha Plan LIC-Jeevan Amrit D-Plans for high worth individuals LIC-Jeevan Shree-I LIC-Jeevan Pramukh E-Money Back Plans LIC-The Money Back Policy-20 Years LIC-The Money Back Policy-25 Years LIC-Jeevan Surabhi-15 Years LIC-Jeevan Surabhi-20 Years LIC-Jeevan Surabhi-25 Years LIC-Bima Bachat F-Special Money Back Plan For Women LIC-Jeevan Bharati G-Whole Life Plan LIC-The Whole Life Policy LIC-The Whole Life Policy- Limited Payment LIC-The Whole Life Policy- Single Premium LIC-Jeevan Anand LIC-Jeevan Tarang H-Term Assurance Plans LIC-Two Year Temporary Assurance Policy LIC-The Convertible Term Assurance Policy LIC-Anmol Jeevan-I LIC-Amulya Jeevan (Closed) I-Joint life Plan LIC-Jeevan Saathi

J-Decreasing Term Assurance To cover Home Loan Payment LIC-Mortgage Redemption Pension Plans: Pension Plans helps in providing financial security to an individaul after his retirement so that they are able to lead the same standard of life and that too without any tension. LIC-Jeevan Nidhi LIC-Jeevan Akshay-V LIC-New Jeevan Dhara-I LIC-New Jeevan Suraksha-I Unit Plans: Unit plans are meant for those people who aim to earn a good return on their investments and also reap the benefits of an insurance cover. It also helps in getting tax benefit on the invested sum. LIC-Market Plus (Closed for Sale) LIC-Profit Plus LIC-Fortune Plus Special Plans: LICs Special Plans are not plans but once in a lifetime opportunities that knocks on the door not very often. These plans are a perfect combination of insurance and investment and provides happiness for the lifetime. LIC-Special Plans LIC-Bima Nivesh 2005 LIC-Jeevan Saral LIC-Jeevan Madhur LIC-Health Plus LIC-Golden Jubilee Plans LIC-New Bima Gold Group Scheme: Group Insurance Scheme is life insurance protection to groups of people and are ideal for employers, associations, societies etc. and allows to insurance benefits at really low costs. This helps the employers to provide protection to employess as well their family so that they are able to work in the tension free environment. LIC-Group Term Insurance Schemes

LIC-Group Insurance Scheme in Lieu Of EDLI LIC-Group Gratuity Scheme LIC-Group Super Annuation Scheme LIC-Group Savings Linked Insurance Scheme LIC-Group Leave Encashment Scheme LIC-Group Mortgage Redemption Assurance Scheme LIC-Gratuity Plus LIC-Group Critical Illness Rider LIC-Social Security Scheme LIC-Jana Shree Bima Yojana LIC-Shiksha Shahyog Yojana LIC-Aam Admi Bima Yojana

Various Plans offered by LIC are as follows : Endowment Assurance Plans - Currently available products to purchase 1. Jeevan Amrit : This plan is designed for a higher cover at a lower cost. In this plan premium payment is limited to 3 or 4 or 5 years and the premium payable during the first year is higher than the premiums payable in subsequent years. 2. New Janaraksha Plan : Is an Endowment Assurance plan that provides financial protection against death throughout the term of plan. It pays the maturity amount on survival to the end of the term. 3. Jeevan Mitra (Double Cover Endowment Plan) : Is an endowment plan which takes care of the financial needs even if death of the policyholder for the whole term of the plan. 4. Jeevan Mitra (Triple Cover Endowment Plan) : Is an endowment plan where thrice the Sum Assured plus all bonuses on the basic sum assured to date is payable in a lump sum upon the death of the life assured. 5. The Endowment Assurance Policy : This policy has a provisions for the family of the Life Assured in event of his early death and also assures a lump sum at a desired age. 6. The Endowment Assurance Policy-Limited Payment : In this policy the payment of premium can be limited either to a single payment or to a term shorter than the policy. Endowment Plus - Currently available products to purchase 1. Endowment Plus - This is a unit linked Endowment plan which offers investment cum insurance cover during the term of the policy. You can choose the level of insurance cover within the limits, which will depend on the mode and level of premium you agree to pay. Children Plans - Currently available products to purchase 1. Jeevan Anurag : Is plan designed for the children educational requirements . This plan can be taken on

the parents life. The basic sum assured is given immediately on the death of the life assured during the term of the policy. 2. Jeevan Kishore : Is a plan which can be availed by the parent or grand parents of the children. It is an endowment assurance plan for children of less than 12 years of age. 3. Jeevan Chhaya : It is a plan where financial protection is given against death during the term of the plan. It is an Endowment Assurance plan. Besides this benefit one-fourth of Sum Assured is payable at the end of each of last four years of policy term irrespective if the life assured dies or survives the duration of the policy. 4. Komal Jeevan : Is a Money Back Plan which can be bought by the parent or grand parent for their child from the age of 0-10years. This plan gives financial protection against death during the duration of the plan with periodic payments on survival at specified durations. 5. Child Future Plan : A policy where the future needs like education, marriage and other requirements are taken care of. This plan provides a benefit which not only takes care of the risk cover of the child during the policy but also after 7 years of the policy being expired. 6. Child Career Plan : A plan to meet the educational and other needs of the child. It provides the risk cover on the life of child during the policy term as well as 7 years after the policy has expired. There are also Survival benefits given to the life assured at the end of a specific duration. 8. Children's Deferred Endowment (CDA) vesting at 21 : This is an Endowment Assurance plan designed to enable a parent , legal guardian or any near relative of the child to provide insurance cover on the life of the child (called life assured). 9. CDA Endowment vesting at 18 : This is an Endowment Assurance plan designed to enable a parent , legal guardian or any near relative of the child to provide insurance cover on the life of the child (called life assured). Children Plans - Old products not available for fresh purchase 1. Child Fortune Plan: Is a unit linked plan which offers long term capital appreciation. 2. Marriage Endowment or Educational Annuity Plan: This is an Endowment Assurance plan that provides benefits on or from the selected maturity date to meet the Marriage/Educational expenses of the named child. Money Back Plan - Currently available products to purchase 1. Bima Bachat : Is a money-back policy which offers financial security and assurance to the policy holder and his family. The policy holder has to pay only one premium. 2. Money Back-20 years : Is an endowment plan where periodic payments of partial survival benefits are paid during the term of the policy till the policy holder is alive.As the policy name goes this plan 20% of the sum assured is payable after 5,10,15 years and the balance 40% accrued bonus is payable at the 20th year. 3. Money Back 25 years : Is the same as the above plan only in this plan the 40% accrued bonus is payable at the 25th year 4. Jeevan Surabhi 15 / 20 / 25 : Is a money back plan with a difference. The maturity term is more than premium paying term and the plan also offers early and high rate of survival benefits. The following are the actual term and premium paying term for the plans:-

15 years policy term premium paying is 12 years 20 years policy term premium paying is 15 years 25years policy term - premium paying is 18years Early and higher rate of survival benefit payment. Risk cover increases every five years. The actual term and the premium paying term for these plans are as under. Special Money Back Plan for Women - Currently available products to purchase Jeevan Bharathi - I : Is a plan designed only for women.Its a plan taking into the needs of a women and also has profit benefits.It also has benefits like Accident Benefit, Critical Illness Benefit and Congenital Disability Benefit as optional Riders Term Assurance Plans - Currently available products to purchase 1. Anmol Jeevan - I : Is a term plan where on death of the policy holder sum assured is given to family or nominated person. 2. Amulya Jeevan - I : In case of unfortunate death of the policy holder during the term of the policy, sum assured is payable, provided the policy is kept in force. 3. Two Year Temporary Assurance Policy : In this policy the individual is covered for a tenure of maxium 2 years. 4. The Convertible Term Assurance Policy : In this plan helps the policyholder to get a cover of a whole life or endowment policy till he is unable to make a higher premium amount initially but will pay later. Whole Life Plans - Currently available products to purchase 1. Jeevan Anand : Is a combination of two plans- Endowment Assurance and Whole Life plan. 2. Jeevan Tarang : This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5 % of the Sum Assured after the chosen Accumulation Period. 3. The Whole Life Policy : Is a plan mainly to provide for payment of sum assured plus bonuses on the death of the policyholder. 4. The Whole Life Policy-Limited Payment : In this plan the life assured has to pay all the premiums during the productive years of life. He need not pay any premium in the later stages of life if and when his conditions might become difficult. 5. The Whole Life Policy- Single Premium : Is the same as the above policy besides that the policy does not cease to participate in profits after completion of the period for which premium has been paid ,but continue to share in the periodical Bonus Distribution until the death of the Life Assured. Plans for high worth individuals - Currently available products to purchase 1. Jeevan Shree - I : This plan gives you a choice of premium paying terms. 2. Jeevan Pramukh : Is an Endowment Assurance plan offering the choice of three premium paying terms. Plans for handicapped Dependents - Currently available products to purchase

1. Jeevan Adhar : The benefits under the plan are for the handicapped dependant which are partly in lump sum and partly in the form of an annuity. 2. Jeevan Vishwas : Is an Endowment Assurance plan designed for the benefit of handicapped dependents. Joint life plan - Currently available products to purchase Jeevan Saathi : Is an endowment assurance plan fro husband and wife jointly. 2. Jeevan Saathi Plus - This is an Endowment Assurance Plan issued on the lives of husband and wife. The plan provides financial protection against death of both the lives. Pension plans - Currently available products to purchase 1. New Jeevan Dhara - I : is a Deferred Annuity plans that allows the policyholder to make provision for regular income after the selected term. 2. New Jeevan Suraksha - I : Is a deferred annuity plan. 3. Jeevan Nidhi : Is a deferred annuity plan with profits. 4. Jeevan Akshay - VI : By paying a lump sum amount this immediate annuity plan can be bought. 5. Pension Plus It is a unit linked deferred pension plan, which provides you a minimum guarantee on the gross premiums paid. The plan is without any life cover. Unit Plans - Old products not available for fresh purchase 1. Child Fortune Plus : Is a plan for children and to meet their educational needs. Its a unit linked plan with long term capital appreciation. 2. Fortune Plus : It is a unit linked assurance plan where premium payment term (PPT) is 5 years and the premium payable in the first year will be 50% of total premium payable under the policy. 3. Market Plus : Is a unit linked pension plan where after a specific period the pension is paid. 4. Money Plus - I : Is a unit linked Endowment plan which has investment plus insurance during the term and you can pay regular premiums. 5. Profit Plus : It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years. Golden Jubliee Plan - Currently available products to purchase New Bima Gold : Where the premiums are paid back during the policy term in installments , besides that life insurance cover is given during the also at the extended term of the plan. Special Plans - Currently available products to purchase 1.Bima Nivesh 2005 2.Jeevan Sara 3.Jeevan madhur Health Plan - Currently available products to purchase

1. Health Protection Plus - A unique long term health insurance plan that can combine health insurance covers for the entire family (husband, wife and the children) Hospital Cash Benefit (HCB) and Major Surgical Benefit (MSB) along with a ULIP component (investment in the form of Units) that is specifically designed to meet Domiciliary Treatment Benefit (DTB) / Out Patient Department (OPD) expenses for the insured members. 2. LIC Jeevan Arogya A unique non-linked Health Insurance plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times. Micro Insurance - Currently available products to purchase 1. Jeevan Madhur - It is a simple savings related life insurance plan where you may pay premiums regularly at weekly, fortnightly, monthly, quarterly, half-yearly or yearly intervals over the term of the policy. 2. Jeevan Mangal It is a term assurance plan with return of premiums on maturity, where you may pay the premiums either in lump sum or regularly at Yearly, Half Yearly, Quarterly, Monthly, fortnightly or weekly intervals over the term of the policy. Group Plans - Currently available products to purchase 1.Group Term Insurance Scheme 2.Group insurance scheme in lieu of EDLI 3.Group Gratuity Scheme 4.Group Super Annuation 5.Group Critical Rider 6.Gratuity plus 7.Group leave encashment scheme 8.Group savings linked insurance scheme 9.Group mortgage redemption assurance scheme Social Security Scheme - Currently available products to purchase 1. Aam admi bima yojana 2. Janashree Bima yojana 3. Shiksha sahayog yojana

Insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, one of the foremost financial services companies of India and Prudential plc, one of the leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector life insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of September 30, 2010) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the period April 1, 2010 to September 30, 2010, the company garnered Rs 7,267 crores of total premiums and has underwritten over 10 million policies since inception. The company has a network of over 1,500 offices and over 1,60,000 advisors, as on September 30, 2010. The company has assets held over Rs. 65,000 crores as on September 30, 2010. Since the liberalization of Indian Insurance sector, ICICI Prudential Life Insurance has been one of the earliest private players. Since the time, ICICI Pru Life has been the leader in terms of market share as indicated by the IRDA (Insurance Regulatory and Development Authority, the regulator for Indian Insurance Industry) at its website

HDFC Standard Life Insurance HDFC Standard Life Insurance Company is one among the leading private insurance companies in India. Wide range of individual as well as group insurance schemes is offered by this insurance company. This company is a joint venture of Housing Development Finance Corporation (HDFC) limited and the Group Company of the standard life in United Kingdom. HDFC is one of the top housing finance institutions in India. The percentage of equity held by HDFC stood up to 72.38% as on 31st December 2007. Since HDFC Standard Life Insurance is a joint venture company, it has a very good financial expertise that is required for the management of the long term investments of the policy holder in a safe and efficient manner. There are various solutions for both individual as well as group that can be customized easily according to the requirements. A complete flexibility along with the low charging structure is offered under group solutions of this life insurance company.

Life Insurance Corporation of India (LIC) (Hindi: ) is the largest stateowned insurance group in India, and also the country's largest investor. It is fully owned by the Government of India. It also funds close to 24.6% of the Indian Government's expenses. It has assets [1] estimated of 13.25 trillion (US$264.34 billion). It was founded in 1956 with the merger of 243 [2] insurance companies and provident societies. Headquartered in Mumbai, financial and commercial capital of India, the Life Insurance Corporation of India currently has 8 zonal Offices and 113 divisional offices located in different parts of India, around 3500 servicing offices including 2048 branches, 54 Customer Zones, 25 Metro Area Service Hubs and a number of Satellite Offices located in different cities and towns of India and has a network of 13,37,064 individual agents, 242 Corporate Agents, 79 Referral Agents, 98 Brokers and 42 Banks (as on 31.3.2011) for soliciting life insurance business from the public.The slogan of LIC is "Yogakshemam Vahamyaham" Your welfare is our responsibility.
[3]