Introduction : Tata AIG Life Insurance Company Limited (Tata AIG Life) is a joint venture company, formed by the

Tata Group and American International Group, Inc. (AIG). Tata AIG Life combines the Tata Groups pre-eminent leadership position in India and AIGs global presence as one of the worlds leading international insurance and financial services organization. The Tata Group holds 74 per cent stake in the insurance venture with AIG holding the balance 26 per cent. Tata AIG Life provides insurance solutions to individuals and corporates. Tata AIG Life Insurance Company was licensed to operate in India on February 12, 2001 and started operations on April 1, 2001. American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide propertycasualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo. Tata is a rapidly growing business group based in India with significant international operations. Revenues in 2007-08 are USD 62.5 billion (around Rs. 251,543 crores), of which 61% was from business outside India. The Groups Net Profit for 2007-08 is USD 5.4 billion (around Rs. 21,578 crores). The Group employs around 350,000 people worldwide. The Tata name has been respected in India for 140 years for its adherence to strong values and business ethics. The business operations of the Tata Group currently encompass seven business sectors - Communications and Information Technology, Engineering, Materials, Services, Energy, Consumer Products and Chemicals. The Group's 28 publicly listed enterprises have a combined market capitalisation of around $60 billion, among the highest among Indian business houses, and a shareholder base of 2.9 million. The major companies in the Group include Tata Steel, Tata Motors, Tata Consultancy Services (TCS), Tata Power, Tata Chemicals, Tata Tea, Indian Hotels, Tata Teleservices and Tata Communications. Products To ensure your children lead happy and successful lives, its important to plan now so that they will have the financial support they need in the future. Tata AIG has a range of flexible insurance products to help you secure your childrens financial future. Our products include:

Tata AIG Life InvestAssure Superstar Tata AIG Life InvestAssure Superstar is a non- participating unit linked endowment plan that allows you to secure a financial future for your child. Product Details Tata AIG Life United Ujjwal Bhawishya Plus This is a unit linked endowment plan which provides you the assurance to realize your childs dreams Product Details Tata AIG Life Assure Career Builder This money-back policy provides financial assistance at key stages of your childs life, from education to their first steps into a new career. Product Details Tata AIG Life Assure Educare at 18 & Tata AIG Life Assure Educare at 21 This first of its kind juvenile endowment policy is geared toward funding your childs education. You can choose between Assure Educare 18 and Assure Educare 21, depending on your childs needs. Product Details Tata AIG Life Assure 21 years Money Saver This savings plan provides you with cash payments in the form of survival benefits at regular intervals to fund your childs needs at critical milestones or support your financial obligations. You get the dual benefits of life insurance coverage plus the flexibility of periodic payments. Product Details Tata AIG Life MahaLife Gold This unique policy ensures that your child will have a steady income and insurance coverage for life! Premiums are payable only for the first 15 years. Product Details Tata AIG Life Starkid An exceptional endowment policy that ensures you can afford to give your child the very best for his career & marriage. Product Details Adults Tata AIG Life Assure One year/ Five Years/10 Years/ 15 Years / 20 Years / 25 Years Lifeline Plans, and Term to age 60 known as Assure Lifeline to Age 60 You get the luxury of high coverage but at an affordable cost. You have the flexibility to choose the term of cover. To learn more, click here

Tata AIG Life Assure 10 Years / 20 Years / 30 Years Security & Growth Plans This amazing endowment policy enables you keep your money safe and have it grow. In the unfortunate event you die while under this cover, your dependants will get the sum assured. However, if you outlive the term, you still get the sum assured along with a whole range of bonuses. To learn more, click here Tata AIG Life Assure 21 years Money Saver This plan offers you cash payments at the end of every 3 years during the term of the policy. You also get the dual benefits of life insurance coverage plus the flexibility of periodic payments. To learn more, click here Tata AIG Life Assure Golden Years Plan This endowment policy gives you safety AND returns. In case of death, your dependants get the sum assured otherwise your savings grow. If you live past the term you still get that sum assured along with a whole host of bonuses. To learn more, click here Tata AIG Life Easy Retire This is an immediate annuity plan with Return of Purchase Price (RoPP) which can be purchased through a single premium payment. The plan provides for annuity payments which are paid throughout the life time of an annuitant. To learn more, click here Tata AIG Life Hospi CashBack This plan allows multiple claims against unforeseen hospitalization expenses and you also get your money back. To learn more, click here Tata AIG Life Health Investor This plan offers a lumpsum benefit on diagnosis of 12 critical illnesses, a cover in case of unfortunate death and a 100% return of premium in case of no claims. To learn more, click here Tata AIG Life InvestAssure Gold Plus This is a whole life non-participating unit linked insurance plan which offers you the unique advantage of combining the protection and tax advantages of life insurance, with the prospect of investing in different kinds of securities through multiple fund options. To learn more, click here Tata AIG Life InvestAssure Health Plus This plan is a unit linked investment plan to suit your needs and priorities and to help you to achieve your financial goals along with a

comprehensive health policy that gives you total coverage to help you recover worry-free when you are ill. To learn more, click here Tata AIG Life InvestAssure II+ This is a unique non-participating investment linked insurance plan that combines the security of a life insurance policy with the opportunity to exploit the upside of market returns by investing in different kinds of securities through multiple fund options. To learn more, click here Tata AIG Life InvestAssure Insta+ This is a simple unit linked insurance plan, easy to understand and easy to buy. You just have to choose your premium, term and funds to avail of the dual benefits of insurance coverage and wealth creation. To learn more, click here Tata AIG Life InvestAssure Flexi Plus This plan is a unit linked endowment investment plan and provides you with ample flexibility to suite your needs and priorities and to help you to achieve your financial goals. To learn more, click here Tata AIG Life InvestAssure Plus Advantage This is a unique, flexible insurance plan with a single-premium paying term, which combines the security of a life insurance policy with an opportunity of enjoying potentially higher returns on your insurance premiums. To learn more, click here Tata AIG Life InvestAssure Sampatti This is a non participating unit linked endowment plan with zero premium allocation charges. This ensures your investments get a better opportunity to grow and yield maximum returns while you get an unmatched start to a long-term wealth creation. To learn more, click here Tata AIG Life InvestAssure Optima Plus This is a unit-linked endowment insurance solution which helps optimize your investment returns, with a combination of high allocation and Guaranteed Addition, while providing you with a comprehensive financial protection. To learn more, click here Tata AIG Life Lakshya Plus Tata AIG Life Jeevan Lakshya is an easy unit linked insurance plan. The plan provides you the dual benefit of investment and protection with just a health declaration. To know more, click here Tata AIG Life LifePlus

This plan lets you win no matter what happens. Get your premiums back if you outlive the term. Get sum assured in case of death by natural causes. Get DOUBLE the sum assured in case of death by accidental causes. To learn more, click here Tata AIG Life MahaLife Gold This is the ideal planning vehicle for your retirement. It provides you a steady income and insurance coverage for life! Premiums are payable only for the first 15 years. You can even use this to cover future expenses of your children. To learn more, click here Tata AIG Life Raksha 10/15/20/25 This plan offers you a large cover at a small premium with the flexibility to choose the term of cover. To learn more, click here Tata AIG Life ShubhLife This plan provides you 100% life insurance protection and high returns on your investment but the premiums you pay are among the lowest of any similar endowment policy. To learn more, click here Tata AIG Life Health First Quality healthcare is incredibly expensive. You need a policy that covers all contingencies including prolonged hospitalization, major surgery, critical illness, post hospitalization fees and even the unfortunate event of your death. HealthFirst provides a lump sum irrespective of what your medical bills are. To learn more, click here Tata AIG Life Health Protector - 5 Year Guaranteed Renewal Accident and Health Plan The average cost for a major surgery or treatment in hospital is between three to five lakh. Health Protector is the first product of its kind in India that offers you protection in case ANYONE in your family has an accident or falls ill. To learn more click here Retirement Tata AIG Life Apex Pension Plans These plans provide a platform ensuring the upside potential of the equity markets while safeguarding the investors interest by offering a highest NAV guarantee on maturity. To learn more, click here Tata AIG Life Assure Golden Years Plan This endowment policy gives you safety AND returns. In case of death, your dependants get the sum assured otherwise your savings grow. If

you live past the term you still get that sum assured along with a whole host of bonuses. To learn more, click here Tata AIG Life Easy Retire This is an immediate annuity plan with Return of Purchase Price (RoPP) which can be purchased through a single premium payment. The plan provides for annuity payments which are paid throughout the life time of an annuitant. To learn more, click here Tata AIG Life MahaLife Gold This distinctive policy is the ideal planning vehicle to fund your retirement. It provides you a steady income and insurance coverage for life! Premiums are payable only for the first 15 years. To learn more, click here Tata AIG Life Nirvana The highly flexible Nirvana retirement plan lets you choose your retirement age (from 50 to 65 years). To learn more, click here Tata AIG Life Nirvana Plus This is Indias first and only pension policy with a guaranteed addition of 10 percent of sum assured every 5 years. You can choose from three levels of cover, and also decide the age you want to retire. To learn more, click here Tata AIG Life InvestAssure Swarna Jeevan Plus This is a unit linked non participating pension plan. This plan helps you to invest your money, build and multiply your capital. To learn more, click here Tata AIG Life InvestAssure Future Plus This is a Unit Linked pension plan with a single purpose - to preserve and multiply your happiness even after you stop working. InvestAssure Future Plus is built as a custom-made retirement solution to meet your needs of capital accumulation, growth and indeed, multiplication. To learn more, click here

Micro insurance How do we operate? We operate in 11 states with a specific relationship management team for each state. A dedicated & trained sales and marketing team manages the front end of the Micro insurance program. Our micro

insurance distribution model collaborates with NGOs (Nongovernmental organisations) and Rural organizations with community level SHG (Self Help Group) women advisors who provide insurance advisory services to the rural customers at their doorstep. The grassroots level agents explain the product details in the local language of the customer, thereby enabling the customer to make a decision. The training programs, brochures, contract documents, and application forms are available in 8 different languages other than English and Hindi. Cost of our plans: Tata AIG Life Micro insurance plans are available with or without survival benefits and with death benefits ranging from Rs.5,000 to Rs.50,000. With premiums as low as Rs.5** per month, there is now an affordable life insurance product for nearly every rural household in India. ** The premium mentioned above is exclusive of Service Tax. Insurance for corporations For any corporation, its employees and customers are its greatest assets. And it is important for the organization to take the necessary measures from time to time to maintain their motivation levels. Offering security to them and their families with insurance cover is one way to show that you care. We also offer solutions for managing the liabilities on Gratuity and Superannuation products for the employees. Our range of corporate life insurance products include:

Employee Benefits Credit Life Group Pensions Workplace Solutions

Discover how each product can be a tool for increasing employee loyalty along with providing tax benefits

Fucntions DOP-Distribution,Operations,Training

Organisational struture Divided into 3 Distributuion,operations and training Branch head Cluster head Regional head Zonal head All India head Organisation also includes the agents or NLAS who are not working on a fixed payroll but on commission basis The NLAS also form their own teams based on promotion criteria So a person enters the firm as an NLA n becomes a licensed agent after appearing for the IRDA exam NLA is divided into 2 Licensed Agent (promotion criteria Senior advisor or Executive advisor) PBA BA SBA MBA The other option is the BSP option where the person is just a franchisee Activities in the organizations Most activities are carried out the branch level Monday Morning Meetings Team Meetings Agency Meetings BA meetings PBA meetings Contests Convemtions MDRT