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Introduction

HDFC Life, one of India's leading private life insurance companies, offers a range of individual and group insurancesolutions. It is a joint venture between Housing Development Finance Corporation Limited (HDFC), India's leadinghousing finance institution and Standard Life plc, the leading provider of financial services in the United Kingdom.

HDFC Ltd. holds 72.37% and Standard Life (Mauritius Holding) Ltd. holds 26.00% of equity in the joint venture, while

the rest is held by others.

HDFC Life's product portfolio comprises solutions, which meet various customer needs such as Protection, Pension,Savings, Investment and Health. Customers have the added advantage of customizing the plans, by adding optionalbenefits called riders, at a nominal price. The company currently has 25 retail and 9 group products in its portfolio,along with 10 optional rider benefits catering to the savings, investment, protection and retirement needs ofcustomers.

HDFC Life continues to have one of the widest reaches among new insurance companies with about 500 branches inIndia touching customers in over 900 cities and towns.The company has also established a liaison office in Dubai.HDFC Life has a strong presence in its existing markets with a strong base of Financial Consultants.

Why hdfc lif------------HDFC Life believes that establishing a strong and ethical foundation is an essential prerequisitefor long-term sustainable growth. To ensure this, we have concentrated our focus on expansion of branch network,organising an efficient and well trained sales force, and setting up appropriate systems and processes with optimumuse of technology. As all these areas form the basic infrastructure for establishing the highest possible customer

service standards.

Our core values are drilled down to all levels of employees, as these are inviolable. We continue to promote highintegrity in business practices and shun short cuts and unethical practices, as we wish to be perceived as aninstitution with high moral standing. Since our inception in 2000, when the Indian insurance space was opened forprivate participation, we have consistently focused on setting benchmarks in all aspect on insurance business. Beingthe first private player to be registered with the IRDA and the first to issue a policy on December 12, 2000, ourdifferentiators are:

Board Members

Brief Profile of The Board of Directors

Mr. Deepak S. Parekh is the Chairman of the Company.

Mr. Keki M. Mistry joined the Board of Directors of the Company in December, 2000.

Ms. Renu S. Karnad is the Managing Director of HDFC Limited.Mr. David Nish joined Standard Life on 1st November 2006 as Group Finance Director and remained in that positionuntil December 2009. He is the Chief Executive at Standard Life Plc

Mr. Nathan Parnaby is appointed as the Chief Executive, Europe & Asia of Standard Life in theyear 2010.

Mr. Norman K. Skeoch is currently the Chief Executive in Standard Life Investments Limitedand is responsible for overseeing Investment Process & Chief Executive Officer Function

Mr. Gautam R. Divan is a practising Chartered Accountant and is a Fellow of the Institute ofChartered Accountants of India

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Mr. Ranjan Pant is a global Management Consultant advising CEO/Boards on Strategy andChange Management..

Mr. Ravi Narain is the Managing Director & CEO of National Stock Exchange of India Limited.

Mr. A. K.T. Chari has joined HDFC Standard Life as a Director on March 10, 2010. Mr. Charihas completed his Electrical Engineering from Madras University in 1962. He is associated withInfrastructure Development Finance Company Ltd. (IDFC) for last 11 years. Currently he ishandling project finance for infrastructure projects at IDFC. Prior to this he was associated withInfrastructure Development Bank of India (IDBI) from 1975 to 1999.

Dr. S. A. Daveis a Doctorate of economics and holds a Masters degree in economics from the

University of Rochester.

Mr. Gerald E. Grimstone was appointed Chairman of Standard Life in May 2007,

Mr. Michael G Connarty is responsible for Standard Life's investments in life assurance JointVentures in India and China

Mr. Amitabh Chaudhry is the MD and CEO of HDFC Life. Before joining HDFC Standard Life,

Ms. Vibha Padalkaris the Executive Director and Chief Financial Officer at HDFC Life

Our Vision & Values

Our Vision

'The most successful and admired life insurance company, which means that we are the most trusted company, theeasiest to deal with, offer the best value for money, and set the standards in the industry'.

'The most obvious choice for all'.

Our Values

Values that we observe while we work:

Integrity

Innovation

Customer centric

People Care "One for all and all for one"

Team work

Joy and Simplicity

Term plans------------------

HDFC Life Click 2 Protect

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Looking for an easier way to insure yourself and secure your loved ones happiness? You know that the solution is aterm insurance plan and you seek a plan that is convenient to buy and is affordable. Your search ends here. HDFCLife is happy to present the perfect plan for your protection needs HDFC Life Click 2 Protect! HDFC Life Click 2Protect is a term insurance plan. This plan provides for a payment of a lump sum in the event of your unfortunatedeath during the policy term.

Features

Please roll over yourmouse over circles for explanation.;

Advantages

Buy this plan at click of button , anytime & anywhere

High cover at a very nominal cost.

Flexibility to choose the Sum Assured and policy term

Attractive premium rates for Non tobacco user and those with healthier lifestyle.

Tax benefits under sections 80Cand 10(10D) of Income Tax Act, 1961.

HDFC Term Assurance Plan

Term Assurance plan is designed to help secure your family's financial needs in case of uncertainties. The plandoes this by providing a lump sum to the family of the life assured in case of death or critical illness (if option ischosen) of the life assured during the term of the contract. One can choose the lump sum that would replace theincome lost to one's family in the unfortunate event of one's death. This helps your family to maintain their financialindependence, even when you are not around.

Features

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Return of all your premiums paid on maturity*

Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

HDFC Loan Cover Term Assurance Plan

This plan aims to protect your family from your loan liabilities in case of your unfortunate demise within the policy

term. It provides the beneficiary with a lump sum amount, which is a decreasing percentage of the initial SumAssured. This means that as the outstanding loan decreases as per the loan schedule, the cover under the policyalso decreases as per the policy schedule.

Features

;Please roll over yourmouse over circles for explanation.;

Advantages

Flexibility to choose the Sum Assured.

Decreasing Sum Assurance as the outstanding loan decreases ensures that you do not pay for the protection youdon't need.

Additional Optional Benefit is available at a nominal cost.

Option of paying single premium or regular premium.

Tax benefits are offered under section 80C, 80 D and 10(10D) of the Income Tax Act, 1961.

HDFC Home Loan Protection Plan

This plan aims to protect your family from your loan liabilities in case of your unfortunate demise within the policyterm. It ensures that your family does not lose the dream house that you have purchased for them, in case you arenot around to repay the outstanding monthly installments on your housing loan. This provides you with the comfort ofknowing that in your absence, a sum of money will be available towards repaying your housing loan, making sure thatyour family will be secure in your family home.

Features

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;Please roll over yourmouse over circles for explanation.;

Advantages

A decreasing Sum Assured payable if you die during the term of the contract. This sum assured is intended to helppay-off your outstanding home loan

Policy can be availed by paying a single premium in advance

The premium amount can be included in the housing loan and repaid as part of the loan repayment installments

Decreasing Sum Assured makes sure that you do not pay for protection you don't need

This product is available for sale through HDFC Ltd.

----------Children plans

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 ourHDFC 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 onmaturity or in case of your unfortunate demise, early into the policy term.

Features

;Please roll over yourmouse over circles for explanation.;

Advantages

Lets you customise an ideal plan for your child and provide invaluable financial support

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The Double Benefit Plan Option helps you secure your child's immediate and future needs. In case of yourunfortunate demise, we will pay the Sum Assured to your child (Beneficiary). Your family need not pay any furtherpremiums and the policy continues. And on maturity of the plan, we will pay you the Sum Assured plus BonusesDeclared

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

HDFC SL YoungStar Super II

There is no bigger joy than being able to fulfill your child's dream on your own. With HDFC SL YoungStar Super II youcan fulfill your child's immediate and future needs. So tomorrow when your child needs your support you don't have todepend on anyone else.This is aULIPwhich aims to help you achieve long term savings.

Features

;Please roll over yourmouse over circles for explanation.

Advantages

In case of your unfortunate demise or critical illness, we will pay the greater of Sum Assured (less partial withdrawals)or Fund Value to your child (Beneficiary). The policy will terminate. We will pay 100% of all the future regularpremiums to the Beneficiary as and when due, on an annual basis. Please refer to the sales brochure for details.

You can customize the ideal plan for your child by choosing the premium you wish to invest along with the SumAssured, depending on the level of protection required.

This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindlyrefer to the product brochure for details.

You can change your investment fund choices in two ways:

o Switching: You can move your accumulated funds from one fund to another anytime

o Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 196

HDFC SL YoungStar Super Premium

With HDFC SL YoungStar Super Premium you can fulfill your child's immediate and future needs- all on your own.Start saving now with thisunit linked insurance planand be assured that savings for your child will continue, even inyour absence. ThisULIP planoffers you choice of cover options and benefit payment preferences- all designed tosuit your needs.

Features

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;Please roll over yourmouse over circles for explanation.;

Advantages

The Triple Insurance Benefit helps you secure your child's immediate and future needs. In case of your unfortunatedemise or critical illness, we will pay the Sum Assured to your child (Beneficiary). Your family need not pay any

further premiums. With Save -n- Gain benefit ,we will pay 50% of all the original regular premiums towards your policyand 50% of the premiums will be paid to the Beneficiary as and when due, on an annual basis. Any Death Benefit orCritical Illness cover terminates immediately.

You can customize the ideal plan for your child by choosing the premium you wish to invest along with the SumAssured, depending on the level of protection required and Benefit payment preference.

This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindlyrefer to the product brochure for details.

You can change your investment fund choices in two ways:

o Switching: You can move your accumulated funds from one fund to another anytime

o Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

Types of Savings & Investment PlansOur range ofSavings & Investment Plans includes

Type Conventional Plans Unit LinkedInsurance Plans

Regular Premium

HDFC SL New Money Back Plan HDFC Assurance Plan

HDFC Savings Assurance Plan

HDFC Endowment Assurance Plan HDFC Life Sampoorn Samridhi Insurance Plan

HDFC SLProGrowth Super II

HDFC SLProGrowth Flexi

HDFC LifeProGrowth Plus

HDFC LifeSmart

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WomanPlan

Single Premium/Investment

HDFC Single Premium Whole of Life Insurance Plan HDFC SLProGrowth

Maximiser HDFC Life

InvestWise Plan

Limited Premium Payment

HDFC SL ClassicAssure Insurance Plan HDFC SLCrest

Types of Term Plans

Our range ofTerm Plans includesHDFC Term Assurance PlanHDFC Click 2 ProtectHDFC Premium Guarantee Plan HDFC Loan Cover Term Assurance PlanHDFC Home Loan Protection Plan*

Types of Children's Plans

Our range ofChildren's Plans includesConventional Plans Unit Linked Insurance Plans

HDFC Children's Plan HDFC SL YoungStar Super II HDFC SL YoungStar Super Premium

Types Of Health Insurance Plans

Our range ofHealth Insurance Plans includesHDFC Critical Care PlanHDFC SurgiCare PlanHDFC Life Health Assure Plan

Types of Retirement Plans

Our range ofRetirement Plans includesType Unit Linked Insurance Plans

Regular PremiumHDFC Life Pension Super Plus Single Premium HDFC Life Single Premium Pension Super

AnnuityImmediate Annuity Plan

New Immediate Annuity Plan

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ALL THAT YOU WANTED TO KNOW & MORE

Overview

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and

Prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI Prudential was

amongst the first private sector 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. 4,793 crores (as of June 30, 2012) with ICICI Bank and Prudential plc holding

74% and 26% stake respectively. For the period April 1, 2012 to June 30, 2012, the company has garnered total premium of

Rs 2,385 crores and has underwritten over 13 million policies since inception. The company has assets held over Rs.

70,000 crores as on June 30, 2012.

For the past decade, ICICI Prudential Life Insurance has maintained its dominant position (on new business retail weighted

basis) amongst private life insurers in the country, with a wide range of flexible products that meet the needs of the Indian

customer at every step in life.

ALL THAT YOU WANTED TO KNOW & MORE

Buying a life insurance policy

New customer

If you don't have an existing policy from ICICI Prudential Life Insurance, you can find out detailed information in this section

about:

The Company profile

The ICICI Prudential Life edge

Various product options available to suit your needs

Our Fund performance

Range of convenient premium payment options offered

Awards & Accolades received by us

Customer Service touch-points

and much, much more!

Existing customer

If you already have an existing policy, you can find out detailed information in this section about:

The ICICI Prudential Life edge

Tax benefits & their explanations

Asset Allocation

Your Fund performance

Awards & Accolades received by us

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Customer Service touch-points

and much, much more!

Sbi

SBI Life Insurance is a joint venture between State Bank of India and BNP Paribas Cardif. SBI owns 74% of the total

capital and BNP Paribas Cardif the remaining 26%. SBI Life Insurance has an authorized capital of Rs. 2,000 crores

and a paid up capital of Rs 1,000 crores.

Along with its 5 Associate Banks, State Bank Group has the unrivalled strength of over 18,000

branches across the country, arguably the largest in the world.

BNP Paribas Cardif is the l ife and property & casualty insurance arm of BNP Paribas, one of the

strongest banks in the world. BNP Paribas Group, having presence in more than 80 countries ranks

highly in Retail Banking, Investment Solutions and Corporate & Investment Banking. BNP Paribas

Cardif is one of the world leaders in creditor insurance and its life and non-life insurance units have

received an AA rating from Standard & Poors.

Vision :

"To be the most trusted and preferred life insurance provider "

Mission :

"To emerge as the leading company offering a comprehensive range of lifeinsurance and pension products at competitive prices, ensuring highstandards of customer satisfaction and world class operating efficiency,and become a model life insurance company in India in the postliberalization period".

Values :

Trustworthiness

Ambition

Innovation

Dynamism

Excellence

Introduction:

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Unit Linked Insurance Plans are long term investment cum protection plans that offer you anopportunity of availing market linked returns while providing life insurance protection. Depending onyour risk appetite, you have the option of choosing from host of funds having varied degree of riskexposure. Flexibility and transparency are some of the other attractive features that make ULIPs anattractive long term investment option.

To help you fulfill your long term dreams, SBI Life presents you a wide range of ULIPs so that you

continue to Celebrate Life!

SBI Life - Smart Performer

A Non-participating Unit

Linked Life Insurance Plan

SBI Life - Unit Plus Super

Non-participating Unit Linked

Life Insurance Plan

SBI Life - Saral Maha Anand

A Non - participating Unit

Linked Life Insurance Plan

SBI Life - Smart Elite

A Non-participating Unit

Linked Life Insurance Plan

SBI Life - Smart Scholar

A Non - participating Unit

Linked Life Insurance Plan

SBI Life - Smart Horizon

A Non-participating Unit

Linked Life Insurance Plan

SBI Life - Smart Wealth

Assure

A Non-participating Unit

Linked Life Insurance Plan