September 2013

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Agenda

Retirement planning in India Ideal retirement plan ICICI Pru Easy Retirement ICICI Prudential Cash Rich Retirement Solution Launch details

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Agenda Retirement planning in India Is there an opportunity for you?

What would you tell your customer?

Ideal retirement plan ICICI Pru Easy Retirement ICICI Prudential Cash Rich Retirement Solution Launch details

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Distributor Customer Why is this segment an opportunity for the distributor?

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India Yesterday

Low income Long work span High job security

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Large families

India Today

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Higher income Shorter work-span Lower job security Smaller families A greater need for a substitute of income after retirement This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large.

Retirement planning: growing awareness

86% 23% 36

yrs

49

yrs

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An average customer starts thinking about retirement planning at age 36

Source: Accenture Global Retirement Services Survey 2012; Axa Retirement Scope, 2010

This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large.

What do these numbers tell you?

Most of your customers Believe retirement planning is important Are ready to invest substantial money Have started thinking about retirement plans Are yet to commit to any retirement plan A huge business opportunity is waiting for you!

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Agenda Retirement planning in India

Is there an opportunity for you?

What would you tell your customer?

Ideal retirement plan ICICI Pru Easy Retirement ICICI Prudential Cash Rich Retirement Solution Launch details

9

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Distributor Customer Why is retirement planning important for the customer?

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Right balance between present & future

Present Future Operational costs Innovation R&D Day to day expenses Child’s education Retirement planning Microsoft spends $ 25 million every day for the future. How much do you ?

11 Source: Global Innovation 1000, Booz & Co, 2012

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What would a person want after retirement?

India Yesterday 1 Lead a quiet life 2 Go on a pilgrimage

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What would a person want after retirement?

India Today 1 3 Maintain lifestyle Protect health 2 4 Fulfill dreams Leave a legacy

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Which factors should he keep in mind?

Risk of outliving his savings!

Women have higher

After 5 years After 10 years

Expense

2 times

Hence, planning for

3 times After 20 years

his own lifetime is not

5 times

enough….

10 times in the next 20 years

* After 30 years 10 times A large kitty needs to be accumulated before he retires

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*Assumed rate of medical inflation: 12% p.a.

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Is there a right time to start planning?

The Target: Rs. 1 Cr. at age 60 Start at 35 Pay Rs. 13,500 p.m. for 25 years Lower installment Pay Rs. 60,000 p.m. for 10 years Shorter duration

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It’s never too late to start planning!

Rate of investment return: 8%; Fund option: Easy Retirement Balanced Fund;

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Start at 50

Win-win situation!

Distributor Customer

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Agenda

Retirement planning in India

Ideal retirement plan

ICICI Pru Easy Retirement ICICI Prudential Cash Rich Retirement Solution Launch details

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The ideal retirement plan

Will it offer

growth

opportunity to accumulate a large enough corpus?

Equity linked return

Will it offer

protection

to my investments if the markets go down?

Will it

guarantee lifelong income

for me and my spouse?

Premium Guarantee Annuity

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Introducing………….

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Agenda

Retirement planning in India Ideal retirement plan

ICICI Pru Easy Retirement Product objective

Product details Best in class customer proposition Payout for the distributor ICICI Prudential Cash Rich Retirement Solution Launch details

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Product Objective

+

Address the feedback on Shubh Retirement

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Offer a Best-in-Class Pension Plan

Agenda

Retirement planning in India Ideal retirement plan

ICICI Pru Easy Retirement

Product objective

Product details

Best in class customer proposition Payout for the distributor ICICI Prudential Cash Rich Retirement Solution Launch details

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What does Easy Retirement offer?

50%

Up to 50% equity exposure

101%

Assured benefit on vesting

105%

Guaranteed benefit on death

5%

Pension Boosters every 5 th year

5, 10, RP

Flexible Premium Payment Term

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How does the plan work?

You pay: Rs. 15 lakh Lump-sum paid to nominee You get: Rs. 67 lakh Rs. 25 lakh Rs. 25 lakh Premiums Lifelong income for self & spouse Rs. 1 lakh p.a. for 15 years

.....

Rs. 1.7 lakh p.a.

Assured Benefit Rs. 15.15 lakh Rs. 25 lakh

.......

40 55 75 Death of husband 80 Death of wife

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Accumulation Phase Income Phase

Assumptions: Age at entry is 40 years; Policyholder lives till age 75 and spouse lives for 5 more years after that; Rate of investment return: 8%; Fund option: Easy Retirement Balanced Fund; Annuity option: Joint Life, Last Survivor with ROP

This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large.

How does the plan work?

  Step 1: Choose PPT, policy term, premium & premium payment mode Step 2: Choose allocation ratio across two funds Vesting benefit Death benefit Pension Boosters

Benefits

Investment flexibility Surrender benefit 26

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Postponement of vesting

Charges



For yearly mode:

Annual Premium < Rs. 5 lakh Rs. 5 – 9.99 lakh >= Rs. 10 lakh Premium Allocation Charge 3% 2% 0% Pol Admin Charge* Year 1-5 3.0% 1.2% 0.6% Year 6-10 0.6% 0.6% 0.6%



For other modes:

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Annual Premium < Rs. 5 lakh Rs. 5 – 9.99 lakh >= Rs. 10 lakh Premium Allocation Charge Year 1 & 2 3% 3% 2% Year 3 to PPT

*Pol admin Charge is capped at Rs. 6,000 p.a.

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2% 3% 1.5% Pol Admin Charge* (Year 1 to10) 3.0% 1.2% 0.6%

Fund related charges



FMC and Guarantee Charge (p.a.):

Fund Easy Retirement Balanced Easy Retirement Secure Fund Fund Management Charge Guarantee Charge 1.35% 1.35% 0.50% 0.10%

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Why

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?

Agenda

Retirement planning in India Ideal retirement plan

ICICI Pru Easy Retirement

Product objective Product details

Best in class customer proposition

Payout for the distributor ICICI Prudential Cash Rich Retirement Solution Launch details

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Easy Retirement RIY

Reduction in Yield (RIY) at the end of the 10 th year 3.0% Allowed by IRDA 1.5% Easy Retirement

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PPT = 10 years; Rate of investment return: 8%; Annual Premium= Rs. 50,000

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Easy Retirement: RIY with ticket size

RIY at the end of the 10 th year (for various ticket sizes) 1.5% 1.1% 0.7%

AP= Rs. 50,000 AP= Rs. 5 lakh AP= Rs. 10 lakh

Customer proposition gets better with ticket size

32 Easy Retirement

PPT = Regular Pay; Policy term = 10 years; Rate of investment return: 8%;

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Easy Retirement: RIY with policy term

RIY for various investment durations 1.1%

Term = 10 yrs

0.8%

Term = 15 yrs 33 Easy Retirement

PPT = Regular Pay; Rate of investment return: 8%; Annual Premium= Rs. 500,000

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0.7%

Term = 20 yrs

Easy Retirement vs. Linked wealth plans

Mr. Amit, a 50 years old executive in an MNC, wants to invest Rs. 1 lakh p.a. for 10 years so that he receives pension from age 60 Options Corpus generated Rs. 13.7 lakh Linked wealth plan Rs. 12.5 lakh Mortality Charges (including tax) ZERO What is the source of this difference?

Rs. 99 k

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Mr. Amit saves one premium over the policy term!

Rate of investment return: 8%; Death benefit in linked wealth plan is Sum Assured PLUS Fund Value Sum Assured is Rs. 10 lakh. Charge structure is same as that in Easy Retirement

This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large.

Agenda

Retirement planning in India Ideal retirement plan

ICICI Pru Easy Retirement

Product objective Product details Best in class customer proposition

Payout for the distributor

ICICI Prudential Cash Rich Retirement Solution Launch details

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Happy selling!

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This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large.