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Aviva Life Insurance

Aviva Life Insurance India is a private insurance company formed from a collaboration
between the Aviva insurance group of UK and the Dabur group, one of India's oldest and top
producer of traditional health care products . Aviva's products are meant to provide customers
flexibility, transparency and value for money.

History -
Aviva insurance group in UK with a history dating back to 1696, today stands as one of the
leading provider of life and pension products to Europe and other parts of the world. The history
of Aviva Life Insurance India starts at 1834 during nationalization when Aviva was the largest
foreign insurance group in terms of the compensation paid by the Indian Government. In 1995
Aviva was the first foreign insurance company to start its representative office in India. At
present in Aviva Life Insurance India, the Aviva group is a 26% share holder and the Dabur
group holds 74% shares in the joint venture.

Programme highlights of today -

Úc Aviva Life Insurance India has 40 Branches in India, including rural branches
supporting its distribution network. With over 27,000 Financial Planning Advisers
(FPAs) and the Financial Health Check (FHC) programme it has been successful in
setting up its position in the Indian market. The FHC is a free service administered by the
FPAs which analyses the customer's long-term savings and insurance needs and
depending on the life stage and earnings of the customer it selects the proper insurance
product for them.
Úc Aviva Life Insurance India initiated the concept of Bancassurance in India and at
present it has Bancassurance tie-ups with ABN Amro Bank, American Express Bank,
Canara Bank, Centurion Bank of Punjab, The Lakshmi Vilas Bank Ltd. and Punjab &
Sind Bank, 11 Co-operative Banks in Gujarat, Rajasthan, Jammu & Kashmir, Bihar,
West Bengal, Andhra Pradesh and Maharashtra and one regional Bank in Sikkim. This
has helped to distribute Aviva products in nearly 378 towns and cities across India.
Úc Aviva Life Insurance India offers more modern Unit Linked and Unitized With Profit
money products to the customers. Following the IRDA guidelines, with effect from 1
July 2006, these unit - linked products have been modified.

The products of Aviva insurance group of India are:

Úc LifeLong
Úc LifeSaver or EasyLife Plus
Úc *oung Achiever
Úc LifeBond and LifeBond Plus
Úc PensionPlus
Úc LifeShield
 Úc Freedom LifePlan
Úc LifeBond5
Úc The fund management operations of Aviva Life Insurance India is controlled from
Mumbai and the fund options includes Unitized With-Profits Fund and four Unit
Linked funds:
Úc Protector Fund - The fund comprises of debt securities in the range of 60-100%,
equities in the range of 0-20% and money market and cash in the range of 0-20%.
Úc Secure Fund - The fund comprises of debt securities in the range of 50-100%, equities in
the range of 0-20% and money market and cash in the range of 0-20%.
Úc Balanced Fund - The fund comprises of debt securities in the range of 50-90%, equities
in the range of 0-45% and money market and cash in the range of 0-10%.
Úc rowth Fund - The fund will comprise of debt securities in the range of 0-50%, equities
in the range of 0-85% and money market and cash in the range of 0-20%.

These fund provides investment security to the capital of the customers.

Through their association with Basix (a micro financial institution) and other NGOs, Aviva Life
Insurance India have been able to reach out to those underprivileged who had no access to
insurances till day.

In Aviva Life Insurance India , thus , by combining protection and long term savings the
customers can safeguard and provide life products for their family with their changing needs.
c

Aviva is UK¶s largest and the world¶s fifth largest insurance Group. It is one of the leading
providers of life and pensions products to Europe and has substantial businesses elsewhere
around the world. With a history dating back to 1696, Aviva has a 50 million-customer base with
presence in 27 countries. It has £381 billion of assets under management. The Company is listed
on the London Stock Exchange and is a constituent of the FTSE 100 Index.

The Company was formerly called CGNU, and was created by a merger of Norwich Union and
CGU plc (itself created by the 1998 merger of Commercial Union and General Accident) in
2000. The Aviva name was adopted in July 2002.

In July 2006, Aviva greatly increased its presence in the United States by acquiring AmerUs
Group, a financial services company founded in 1896.

The Company has continued to use the Norwich Union name as a trading name within the United
Kingdom, but on 29 April 2008 announced that it would be changing to Aviva. Then it launched
a £9 million advertising campaign to promote the rebranding (one of the most expensive ever in
the UK insurance market), with the participation of celebrities like Bruce Willis and Alice
Cooper.

In India, Aviva has a long history dating back to 1834. At the time of nationalisation it was the
largest foreign insurer in India in terms of the compensation paid by the Government of India.
Aviva was also the first foreign insurance company in India to set up its representative office in
1995.

In India, Aviva has a joint venture with Dabur, one of India¶s oldest, and largest Group of
companies. A professionally managed company, Dabur is the country¶s leading producer of
traditional healthcare products. In accordance with the government regulations Aviva holds a 26
per cent stake in the joint venture and the Dabur group holds the balance 74 per cent share.

With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), Aviva has initiated
an innovative and differentiated sales approach to the business. Through the ³Financial Health
Check´ (FHC) Aviva¶s sales force has been able to establish its credibility in the market. The
FHC is a free service administered by the FPAs for a need-based analysis of the customer¶s long-
term savings and insurance needs. Depending on the life stage and earnings of the customer, the
FHC assesses and recommends the right insurance product for them.

Aviva pioneered the concept of Bancassurance in India, and has leveraged its global expertise in
Bancassurance successfully in India. Currently, Aviva has Bancassurance tie-ups with ABN
Amro Bank, The Lakshmi Vilas Bank Ltd., Punjab & Sind Bank, IndusInd Bank, Co-operative
Banks and Regional Rural Banks.

Aviva¶s Fund management operation is one of its key differentiators. Operating from Mumbai,
Aviva has an experienced team of fund managers and the range of fund options includes Unitised
With-Profits Fund and seven Unit Linked funds: ± Protector Fund, Secure Fund, Balanced Fund,
Growth Fund,Enhancer Fund,Index Fund and Bond Fund.

Aviva has 223 Branches in India supporting its distribution network. Through its Bancassurance
partner locations, Aviva products are available in close to 3,000 towns and cities across India.

Aviva has also reached out to the underprivileged that have not had access to insurance so far.
Through its association with Basix (a micro financial institution) and other NGOs, it has been
able to reach the weaker sections of the society and provide life insurance to them.

Recently,Aviva India has been ranked amomgst the top 25 employers by The Great to Work
Institute(GPTW) in the ³Best Workplaces in India´ study for 2008.

Partners

Aviva has pioneered bancassurance in the country through close to 40 bancassurance tie-ups.
Aviva also focuses on bancassurance worldwide and has a proven track record of successful
bancassurance relationships. It has 40 major partnerships with leading banks across the globe.
Aviva is a leading bancassurer in countries such as France, Italy, Spain, Australia and New
Zealand. Currently, Aviva has Bancassurance tie-ups with:

Úc ABN AMRO Bank

Úc The Lakshmi Vilas Bank Ltd
Úc Punjab & Sind Bank
 Úc IndusInd Bank

Îegestered Office:

Aviva Life Insurance Co. India Pvt Ltd

2nd Floor Prakashdeep Building,
7 Tolstoy Marg,
New Delhi ± 110 001.
India

Corporate Office:

Aviva Life Insurance Co. India Pvt Ltd

8th floor, JMD Regent Square,
M.G Road,
Gurgaon
Harayana
India.

Fax ± +91-124-2804142

List of Offices

http://www.avivaindia.com/

Bharti AXA Life is a life insurance player that was started in 2006. It brings together strong
financial expertise of the Paris-headquartered AXA Group, and Bharti Enterprises - one of
India's leading business groups with interests in telecom, agricultural business, financial services,
and retail. The joint venture has a 74% stake from Bharti and 26% stake from AXA Asia Pacific
Holdings Ltd.(APH).The company launched national operations in December 2006. Today,
Bharti AXA Life has a national footprint of distributors trained to provide quality financial
advice and insurance solutions to the large Indian customer base.

Bharti AXA Life offers a range of innovative products and services that cater to specific
insurance and wealth management needs of customers.

We undertook an in-depth analysis wherein we identified the notion of preference was totally
related to the trust granted to various names in insurance and financial services. The level of trust
is very inadequate today, regardless of the brand considered. This is because the perception of
consumers is that we are all evolving only in "a world of promises." And this is what we have to
redefine.

Beyond promises... proof

We don't want to make promises any more. Instead, we want to demonstrate our ability to
respond to client needs with real and tangible proof and, in so doing, to establish an authentic
relationship of trust with our clients.

These are the three attitudes that clients most expect from an insurance and financial services
company in exchange for their vote of confidence. These three attitudes stood out from the others
in the consumer research we conducted across markets, regardless of their level of maturity.

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Bharti AXA Life Insurance Co., Ltd. provides insurance and wealth management products. It
offers unit-linked investment cum protection, long-term life insurance, and money back
insurance products, as well as financial solution for long-term needs. The company was founded
in 2006 and is based in Mumbai, India. Bharti AXA Life Insurance Co., Ltd. operates as a
subsidiary of Bharti Enterprises.

61 / 62 Kalpataru Synergy

Opposite Grand Hyatt

Vakola

Santacruz East

Mumbai, 400055

India

Founded in G

Phone:
 91 22 4039 4444

Fax:

91 22 4030 6347

www.bharti-axalife.com

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The Insurance Regulatory and Development Authority (Irda) has imposed a penalty of INR 1
million each on Bharti AXA Life Insurance Co. Ltd. (BALIC) and Bharti AXA General
Insurance Company Limited (BAGIC) for violating the provisions of registration regulations and
not voluntarily intimating the changes in the ownership pattern. In separate orders issued to
BALIC Chief Executive Officer, Glenn Williams, and BAGIC chief executive officer, Amarnath
Ananthanarayan, Irda asked both companies belonging to the same group to pay the penalty
amount within 15 days of the receipt of the order. The orders have been posted on Irda's website.
Irda imposed a penalty of INR 0.5 million on both companies for restructuring the company in
violation of the relevant provisions of regulation and an equal amount for not voluntarily
intimating the changes in ownership pattern. Irda said Bharti Ventures Limited, one of the
promoters holding 40% shareholding in the two insurance companies and owns 99% by a
partnership firm Bharti Enterprises, was converted into Bharti Enterprises (Holding) Private
Limited with effect from January 8, 2010. The insurance companies confirmed that Bharti
Enterprises holds 97.57% shares of Bharti Ventures.
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Bharti AXA Life Insurance Co. Ltd. announced the launch of an innovative child plan product,
'Bright Stars PLUS'. The launch of Bright Stars PLUS recognises the aspiration of every parent
to provide the best they can for their children. Our research indicates that parents accord securing
a child future top priority amongst key responsibilities and Bright Stars PLUS is an innovative,
differentiated and relevant product that seeks to address this very need.
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Syndicate Bank Ltd is known to be in talks to acquire a stake in Bharti Axa Life Insurance Co.
Ltd. CNBC-TV18 reported that Syndicate Bank may acquire 20%-25% stake in Bharti Axa.
Syndicate¶s shares touched an intraday high of INR 98.50 and an intraday low of INR 95.50.

Future enerali
Life Insurance

Future Generali India Life Insurance Co. Ltd. is one of the rapidly growing Insurance companies
in India. The Company is a joint venture between the India-based Future Group and the Italy-
based Generali Group. Future Generali group is present in both the Life and Non-Life businesses
in India as Future Generali India Life Insurance Co. Ltd. and Future Generali India Insurance Co.
Ltd.

Future Group is one of India¶s leading business houses with multiple businesses spanning across
the country. Retail is the main business activity of Future Group, but its presence can also be
seen in consumer finance, capital, insurance, leisure and entertainment, brand development, retail
real estate development, retail media and logistics. Future Group believes in developing strong
insights on Indian consumers and building businesses based on Indian ideas.

Generali Group was established in Trieste on December 26, 1831. It is an international group
working in more than 40 countries with insurance companies, financial companies and real estate
sectors. After doing business in Central Eastern Europe, Generali Group has started to develop
business in the principal markets of the Far East, including China and India. Generali Group
ranks among the top three insurance groups in Europe and the 30th largest company in the
Fortune 500 international ranking.

Future Generali India Life Insurance Company provides different insurance plans which are
listed below:
LIFE INSUÎANCE

Individual Insurance Plans

Úc Future Generali Future Care

Úc Future Generali Future Assure
Úc Future Generali INSTA life
Úc Future Generali Future Pension Plan
Úc Future Generali Future Pension Advantage Plan
Úc Future Generali Future Sanjeevani
Úc Future Generali Future Guarantee Plan

roup Insurance Plans

Úc Future Generali Group Term Life

Úc Future Generali Group Credit Suraksha
Úc Future Generali Group Gratuity Plan
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AEON Îeligare Life Insurance Company

Limited
Various products offered by AEON Îeligare Life Insurance Company Ltd
Protection products
J AEON Îeligare Level Term Plan : This plan helps you save and give protection for the
future, and met the needs of your loved ones.

G AEON Îeligare Increasing Term Plan : Is a Term Plan where it meets the increasing
needs for you and your family members.

3 AEON Îeligare Decreasing Term Plan : is a term plan which covers your liabilities at a
low amount of premium. gives you a guaranteed sum also any bonus it accumulates.

4 AEON Îeligare roup Term Plan : This plan gives Life Insurance to a group so that
their families are secured.
5 AEON Îeligare Îural Term Plan : Is a low cost plan which gives 100 times of your
premium as life insurance cover.

Savings Products
J AEON Îeligare Premium ain Plan : is a unit linked plan which helps increasing your
investment. You have a choice of investing 3 different funds.

G AEON Îeligare Protect ain Plan : Is a unit linked plan with automatic asset allocation
benefit.

3 AEON Îeligare uaranteed Îeturn Plan -3 : Is a plan that with twin benefits of
guaranteed tax-free returns at maturity along with a life cover
Children Products
J AEON Îeligare Star Child Plan : Is a unit linked plan designed especially for children. So
that their future needs are fulfilled and gives security.
Retirement Products
J AEON Îeligare Pension Plan : Is a plan which will provide you with income after your
retirement. Hence your needs would be met and will secure your future.

Îegistered office : AEGON Religare Life Insurance,

2nd Floor, Paranjpe B Scheme,
Subhash Road, Near Garware House,
Vile Parle (E), Mumbai - 400 057

Disclaimer: Please note that the information provided is collected from sources publicly
available & we believe to be reliable. The website doesn¶t warrant the accuracy, reliability &
absolute information available on the website. Participation by site visitors or registered
customers is on a voluntary basis. The policies are offered by various life Insurance & non-life
insurance offering companies and Bimadeals does not seek to, either directly or indirectly,
advise, offer, solicit or recommend that any person who is or proposes to become its member
should purchase the Policy.
AEON Îeligare Life Insurance Company

AEON, an international life insurance, pension and investment company, Îeligare, a global
financial services group and Bennett, Coleman & company, India¶s largest media house, have
come together to launch AEON Îeligare Life Insurance Company Limited (AÎLI). This
venture is dedicated to build a profitable customer-centric business with scale, providing a work
environment that fosters excellence and innovation. This joint venture will balance a local
approach with the power of an expanding global operation.

ARLI launched its pan-India operations in July, 2008 following a multi-channel distribution
strategy with a vision to help people plan their life better. The fulfillment of this vision is based
upon having a complete product suite, providing customised advice and enhancing the overall
customer experience through superior service.

ARLI has launched a suite of products that are focused on providing the customer with the
means to meeting their long-term financial goals. At the same time product development has
been founded on the tenet of providing the customer with great value. ARLI products such as
AEGON Religare iTerm Plan and AEGON Religare Invest Maximiser Plan have been ranked
among the best in terms of value and have attracted many external accolades.

About AEON

As an international life insurance, pension and investment company, AEON has businesses in
over twenty markets in the Americas, Europe and Asia. With headquarters in The Hague, the
Netherlands, AEGON companies employ approximately 28,000 people and serve some 40
million customers across the globe. The company¶s common shares are listed on three stock
exchanges: Amsterdam, New York and London. AEGON has more than 160 years of experience
with its roots going back to 1844. AEGON holds 26% equity in ARLI.
http://www.aegon.com

About Îeligare Enterprises Limited

Religare Enterprises Limited (REL) is a global financial services group with a presence across
Asia, Africa, Middle East, Europe and the Americas. In India, Religare¶s largest market, the
group offers a wide array of products and services ranging from insurance, asset management,
broking and lending solutions to investment banking and wealth management. The group has
also pioneered the concept of investments in alternative asset classes such as arts and films. With
over 10,000 employees across multiple geographies, Religare serves over a million clients,
including corporates and institutions, high net worth families and individuals, and retail
investors. REL hold 44% equity in ARLI.

http://www.religare.in

About Bennett, Coleman & Company Limited

Bennett, Coleman & Company Limited (BCCL), part of the mammoth Times Group, is
India¶s largest media house. It reaches out to 2468 cities and towns all over India. The group
owns and manages powerful media brands like The Times of India, The Economic Times,
Maharashtra Times, Navbharat Times, Femina, Filmfare, Grazia, Top Gear, Radio Mirchi,
Zoom, Times Now, Times Music, Times OOH, Private Treaties and indiatimes.com. All of its
brands are multinational in outlook, traditional at heart and national in spirit. From the very first
edition on November 3, 1838 the mammoth BCCL Group has come a long way. By way of the
innovative venture of Times Private Treaties (http://www.timesprivatetreaties.com), the BCCL
Group holds 30% equity in ARLI.
 c

The Sahara Pariwar¶s latest foray is in the field of Life Insurance. The Pariwar¶s life insurance
company ± Sahara India Life Insurance Company Ltd.- has been granted licence by the insurance
regulator ± the IRDA on 6th February 2004. With this approval Sahara India Life Insurance
Company Ltd. becomes the first wholly and purely Indian company, without any foreign
collaboration to enter the Indian Life insurance market. The launch is with an initial paid up
capital of 157 crores. The Chairman of the company is Shri Subrata Roy Sahara who is also the
Chairman of Sahara Pariwar.

The members of the board are:

Name Designation
Shri Subrata Roy Sahara Chairman
Smt. Swapna Roy Director
Shri O.P. Srivastava Director
Shri Amitabh Ghosh Director
Shri Prabha Shankar Mishra Director
Shri A.C. Mukherjee Director
N.P. Bali Director

The senior officials of the company are as follows:

Name Designation Tel No

Shri N.P. Bali Chief Executive Officer and Director 0522-2336397
Chief Marketing Officer & Chief 0522-2331753
Business Development Officer
& Grievance Redressal Officer
Shri. Pravir Chandra Appointed Actuary 0522-2331077
Shri S. Rajagopalan Chief Investment Officer 022-66756231
Shri Sanjay Agarwal Chief Financial Officer & I.T. Head 0522-2329568

SAHAÎA UNIQUE : Offering a range of Consumer

Products

At present our product division offers a range of products of

everyday use as well as objects of desire through a chain of
showrooms called 'Unique' in various locations of India. The
number of these showrooms is proposed to be increased to
6000. The products offered come under three categories

1. Sahara Select - Fashion & Lifestyle Products

2. Sahara Care - Daily Need Products and
3. Sahara Sports - Fitness & Leisure Products

Sahara Select
Personal & Beauty Care
Home Care
Clothing
Jewellery & Watches
Accessories
Home Decor
Houseware
Home Furnishings
Kids Products
Furniture

Sahara Care
Personal & Beauty Care
Home Care
Food items

Sahara Sports
Sports Wear
Sports Accessories
c
 Official Website
http://www saharalife com

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