About 130years Tatas have stood as ndias most respected corporate group.

Also Tatas have stood for their quality of leadership with trust.
The Tata group is an industrial tycoon. Their revenue over US is $8.47Billion. The
Group has been a market leader in steel, commercial vehicles, electric power
generation in the private sector and
computer software. The Corporate profile unfolds the spectrum of businesses that the
Tata group is in. t covers around 92 companies under the Groups Seven chosen
Business Sectors., which are as follows..
W Engineering Automotive , engineering products and Services
W Materials
W Energy
W Chemicals Tata Chemicals , Rallis ndia
W Consumer Product - Tata Tea ,Tata Coffee, Titan
W Services ndian Hotels , Tata Housing Development Company , Tata
AG General nsurance , Tata AG Life nsurance
W Communications and nformation Systems Tata Teleservices , Tata
Telecom, Birla AT & T , Tata nternet Services , Tata Consultancy Services, Tata
nfoTech Even if Tata Group is enjoying its dominant position in the Traditional
Businesses, Tata has also focused on modernization and adoption of world class
processes and practices to change the way the business is been done in these
areas. Tata simultaneously continues to be the first movers in merging
businesses and technologies that will impact on the ndian economy.

About AIG Group:-

American nternational Group (nc) is the leading U.S. based international
insurance, underwriter and a financial services organization. t presence all over
world is around 130 countries. ts global businesses also include financial
services and asset management, including aircraft leasing, financial products,
trading and market making, consumer finance, institutional,
retail and direct investment fund asset management, real estate investment
management, and retirement savings product. AG, (nc) common stock is listed
on the New York Stock Exchange, as well as the stock exchanges in London,
Paris, Switzerland and Tokyo. t employs 40,000 people through a wide
network of offices all around the world. ts core business consists of:


W General and Life insurance business
W A portfolio of highly targeted financial services business
W Growing global investment business.

About Tata - AIG Insurance :-

Tata - AG nsurance as said is a joint venture ,and was licensed to
operate on 12 February 2001.Around 190 branch offices are spread all over ndia.
t provides wide variety of life insurance products. ts working is based on
Business brought up by Business Associates who are the advisors/agents for the
company. The company is based in Mumbai .Areas of business Tata AG Life
nsurance products include a broad array of life insurance coverage to both
individuals and groups. For groups, the company has life products whereas for
individuals, it has term products, endowment products as well as money-back
products. For groups and individuals, various types of add-ons and options are
available to give consumers flexibility and choice. The company has also designed
specific products for the financially challenged and underprivileged .

Insurance is not about death but Iiving happiIy

Introduction to Insurance
:-

nsurance is a concept which was introduced many years ago. n ndia it has been
growing and booming drastically specially after LPG (Liberlisation, Privatisation,
& Globalisation). LC which was the only player now it has many private players
which are posing competition. nsurance itself is a competitive sector because
there are many other fields also, as in Life nsurance, General nsurance; Health
nsurance etc are few of them which are growing at a very faster rate. Life
nsurance sector is growing at 80%. LC is moving at 35% and other private
players at 100%.The insurance market is growing with an increasing trend.

This industry has got such a lot of potential in it and has high opportunity
because of the changes are taking place in the economy. Bancassurance,
Ombudsman, CRM etc are the few topics which are at a rise in this sector.
Bancassurance i.e. a well developed banking system for marketing of insurance
products, Ombudsman which is like redressal cell for the customers. Then the
Customer Relationship Management, all these are at rise.




























Indian Insurance Market Trends:-

The year 1999 saw a revolution in the ndian nsurance sector, as major structural
changes took place with the ending of government monopoly and the establishment
of RDA which gave a way for private players and allowing foreign players to enter
the market with some limits on direct foreign ownership. The existing rule says
that a foreign partner can hold 26% equity in an insurance company. Since
opening up of the insurance sector in 1999, foreign investments of Rs 8.7billion
have poured into ndian market and 21 private companies have been granted
licenses. nnovative products, smart marketing and aggressive distribution have
enabled fledgling private insurance companies to sign up ndian customers faster
than anyone .ndian, who had always seen life insurance as a tax saving device is
suddenly turning into different innovative products. Most private insurance
companies in ndia are joint ventures with a foreign partner and has helped
ndians enter the global arena.

[Indian Insurance Industry Forecast Report provides extensive research and

analysis of the growing insurance industry (2007-2009).
t provides a report which analyses the leading - edge opportunities critical to
success of nsurance ndustry in ndia. t gave following findings


- The changing socio-economic demographics, rate of GDP growth, changing
consumer behaviour and occurrences of natural calamities at regular intervals,
the ndian Life nsurance market is expected to reach the value of around Rs
1683 Billion in the year 2009. The market is expected to grow more than 200%
YOY from the year 2006.

- n 2006-2007, pension premium contributed about 22.11% to total premium income
of insurers. n December 2005 it was 25.22%.

- n non-life segment, the established players controls 65% of market .n
motor nsurance Business, Public sector covers almost 68% of the market
value with New ndia as leading player followed by united ndia.

ey players in Insurance Industry include :-

W Tata-AG Life nsurance,
W Bajaj Allianz,
W NG Vysya,
W AMP Sanmar Assurance ltd,
W SB life , HDFC Standard,
CC Prudential Life nsurance ,
W Birla Sunlife,
W Aviva Life nsurance,
W Kotak Mahindra ,
W Max New York Life,
W Met Life, Sahara Life,
W Royal Sundaram,
W Tata AG General ,
W Reliance General,
W FFCO- Tokio,
W CC Lombard,
W HDFC Chubb,
W New ndia Assurance Company Ltd,
W National nsurance Company Ltd,
W United ndia nsurance Company Ltd & Oriental nsurance Ltd.

The private players , in life a well as non-life segments , gained more market share
than the public sector players in 2004-2005.This gain was more in Life insurance
sector because of certain factors, which include:-

- ncreasing Gross Financial household savings
- Deregulation in the ndian nsurance Market
- ncrease in Dependency ratio.

With an annual growth rate of 15-20% and the largest number of life insurance
policies in force, the potential of the ndian insurance industry is huge. The 14 private
insurers increased their market share from about 13% to about 22% in a years
time .The share of LC for this period (2005-06) has further come down to75%
while private players have grabbed over 24%.

$tatistics:-

LIFE IN$&#ANCE
ndian population 1bn
GDP as on 2000 (Rs Bn) 20000Bn
Gross Domestic Savings as % of GDP 23%
NCAER estimate of insurable population 240mn
Estimated market by 2005 650mn

The life insurance industry in ndia grew by an impressive 36%, with premium
income from new business at Rs. 253.43 billion during the fiscal year 2004-
2005, braving stiff competition from private insurers. The market share, LC, has
21.87% growth in business at Rs.197.86 billion by selling 2.4 billion new policies
in 2004-05. But this was still not enough to arrest the fall in its market share, as
private players grew by 129% to mop up Rs. 55.57 billion in 2004-05 from Rs.
24.29 billion in 2003-04. The 14 private insurers increased their market share
from about 13% to about 22% in a year's time.

About Life Insurance

:-

Life nsurance is a contract in which the insurer, in consideration of a certain
premium, either in a lump sum or by other periodical payments, agrees to pay to the
assured, or to the person for whose benefit the policy is taken, the assured sum of
money, on happening of a specified event contingent on the human life or at the
expiry of certain period. Life nsurance is a fundamental part of sound financial plan.
Life insurance helps to insure the following for ones family and loved ones.

W Protection against financial difficulties in case of premature death.
W Protection with investments , retirement and estate planning
W Protection towards regular income now and in future.

Following are the benefits:-

n Life nsurance there are many products which were floated early in the market
according to conditions prevailing like

W Term life plans,
W Whole life plan,
W Endowment plan,
Combination of whole life & endowment,
W childrens assurance plan, &
W Annuity & Pension plans.

These were called as traditional plans .After the LPG and from the year 2000
onwards many foreign players came into ndia. They brought in ULPS in ndian
Market.




















rief history Of Life Insurance in India
:
-

The story of nsurance in ndia is as old as the story of mankind. n ndia
nsurance was brought by England company, it was the first insurance
Company on ndian soil .t came in the year 1818. Oriental Life nsurance
Company started by Europeans in Calcutta. Bombay Mutual Life Assurance
Society heralded the birth of first ndian Life nsurance Company in 1870. Some
milestones in ndian insurance business in ndia are:-

W 1912: -the ndian life Assurance Companies Act enacted as the first statute to
regulate the Life nsurance Business.
W 1928:-The nsurance Companies Act enacted to enable the government to
collect statistical information about both life and Non-life nsurance Business
W 1956 :-245 ndian and foreign insurers and provident societies are taken over by
the central government and nationalized .LC was formed by an Act of
Parliament such as LC act 1956 with a capital contributed of Rs 5 crore from
Government On ndia


The nsurance Companies which were established are as follows:-

W United ndia n Calcutta

W National ndian and national nsurance in Calcutta
W Co-operative Assurance in Lahore (Prior to ndependence)

These were the insurance companies which came during the swadeshi movement
and were the part of formation LC. To have a control on these insurance companies
government decided to have a regulatory authority thus in 1996 .RDA (nsurance
Regulatory and Development Authority) was formed under an act of RDA passed
in Parliament. After LPG i.e. after 1999 the doors of ndia were opened for the
foreign private player to enter the market and pose competition to LC and also
which would help in growth of ndian Economy. n the year 2001 many players
came and now there around seventeen insurance companies who have settled
down.













&LIP$ (&nit Linked Insurance PIans):-

The introduction of Unit Linked nsurance Plans has possibly been the
single largest innovation in the field of life insurance .t has addressed and
overcome many difficulties and concern s that customers had about life insurance
liquidity, flexibility, and transparency. These benefits are possible because ULPs
are differently structured products and leave many choices to the policyholder.
They are structured such that the protection (insurance) element and the savings
element (investment) can be distinguish and hence managed according to
ones specific needs, offering flexibility and transparency. Thus we can say it is such
a product that takes care of multiple needs. There were some factors which gave
entry for ULPs in the insurance market: - Firstly was the arrival of private of private
players, and ULPs were the most significant innovation done by them, and
secondly was the decline of assured returns in endowment plans. Besides this
as the stock markets were booming which now has become the primary factor.
As mentioned earlier enhanced flexibility and merging of investment and
insurance in a single entity that have really endeared them to individuals.
ULPs are also called as Bundled Policies.


According to Vijay Sinha (Assistant Director Agency,
Tata-AIG Life Insurance,) ULIP is
ideal for someone who is looking for a long term
investment product, is under-insured and is
averse to taking a traditional life insurance product. Ulip
should be looked at from an
investment as well as insurance point of view and not
isolation


&nit Linked Insurance PIans:-

Early the market of ULPs was taken up Birla Sun; they were the first to
capture the market in this field. These are the insurance plans which are attached to
Units Mutual Funds. The premium amount received in this policy, some part is
used in investment of funds and remaining is used for insurance cover. ULPs
are remarkably similar to, mutual fund in terms of structure and functioning:
premium payments are converted into units and net asset value (NAV) is declared
regularly. nvestors have an option of choosing their fund according to their risk
taking ability. They disclose all the material facts most frequent and consistent
(often quarterly or half-yearly) .Also investor has a fairly good idea about
expenses. The expenses which are considered are as follows:-


) Mortality Rate : - These are charged by the life insurance company to cover the
risk of an eventuality to the individual.

2) Administration, sales/marketing Charges : - All life insurance companies
incur certain expenses on regular basis. Agents commission, sales & marketing
expenses and overhead costs incurred to run the day to day basis aresome
examples.

3) Fund Management Charges : - These charges are levied by the insurance
company to cover the expenses incurred by them on managing Ulip monies.

4) Ulip-fund Switch Charges : - These charges are borne by the individuals
when they decide to switch their, money from one type of fund to another.

5) Top-up Charges : A certain percentage is deducted from the top-up amount to
recover the expenses incurred on managing the same. ULPs are very different
from the traditional policies because they are based on some fundamentals of
Mutual funds as different types of funds which are created wherein the premiums
which are received on the policy these are invested in these funds basically
these funds are of following types:-

a) Aggressive/Growth Fund :-Such funds invest a major portion in equity
markets. They are therefore considered to be high on risk parameter.

b) Debt Funds : - These types of funds invest the premium money in debt
instruments like gsecs, bonds and AAA rated securities. Such funds are low risk in
nature.

c) Balanced Funds : - This fund is combination of growth & debt fund. This
means its portfolio consists of both equities and debt instruments. The risk for this
fund is moderate.

d) Money Market/Liquid Funds :- Such a fund invests the premium money in
short term liquid instruments like bank deposits and money market instruments.


The features of ULPs are as follows:-

a) Flexibility: - Flexibility in choosing your own funds how you would like to
invest your own money.

b) Transparency: - t discloses all your material facts, i.e. you know where
your money is been invested.

c) Liquidity : - Here you can withdraw certain amount from your Units which
have been collected.

d) Tax Benefits : - tax benefits are available under Section 80C subject to a
maximum limit of Rs 100,000.

The other features of ULPs are like, life protection which can be adjustable,
many investment options, benefits like disability, critical illness, surgeries, and also
financial planning etc.

&LIPs Vs MutuaI Funds

ULPs are all set to pose serious competition to mutual funds. Though ULPs as an
investment avenue are closest to mutual funds in terms of their structure and
functioning like disclosing their NAVs daily etc. ULPs are essentially a long term
commitment between the policyholder and the insurance company and mutual
funds are built to cater to the relatively short term need of the investor. The
investments are made with a shorter- term duration profile when compared to ULPs.
The seemingly similar structure of both of them makes it vital for investors to be
aware of the fine distinctions in both the offering and make informed decisions.
Following are some insurance companies who offer ULPs:-

-Bajaj Allianz, NG Vysya, HDFC Standard, HDFC Standard, HDFC Standard, -
Birla Sun life, Aviva Life nsurance, Kotak Mahindra, Max New York Life, Met
Life, Sahara Life, etc Sahara Life, etc .

Comparative AnaIysis of &LIP$:-

Companies have designed ULPs for various purposes like plans made for
retirement, for children, investment purpose etc. This has been done so
that people can plan for their future of their family and also for their future.
E.g.:- You are in the age bracket of 25-35 yrs age and your financial objectives
are providing for childs future and your own retirement. ULPs will help you in
achieving both the objectives. Although you can make a single endowment
ULP to achieve both the objectives, but it is more prudent to make decision
between the needs and take separate ULPs dedicated to each objective. Opt for
a ULP child plan to provide for your childs future and seed capital for the
business to make a few needs. The other important plan that the individuals must
consider taking earlier on their lives is a pension plan. Building a corpus to face
the rigors of retirement should be given the priority .As a long term investment
objective for retirement planning it could do with an equity push thus a ULP
pension plan can add value to your retirement planning. Following is the distinction
about the plans offered by the different company which will give a fair view of how a
person would choose a plan for himself according to his needs and financial
conditions.

Tata-AG Life: - nvest Assure Gold
Bajaj Allianz: - Capital Unit Gain
LC: - Money Plus
NG Vysya: - High Life

Tatas others ULP policies are:-
W nvest Assure
W nvest Assure
W nvest Assure Plus





















&LIPs as #etirement PIanning:-

#etirement is the period when an individuaI stops working and enjoys the
fruits of his years of hard work.

Retirement is a big question for most of the people. There are many
problems which come ahead .t can pose a number of challenges, especially if it is
unplanned. We can say that, when a person retires basic living costs may go down,
loans would have been paid, lesser income tax, no work related expenses, but
as he gets older other costs may increase, like the expenses for medical and
health care, filling your increased leisure hours with enjoyable activities which
may cost more, increasing inflation erodes purchasing power, also cost of being a
grandparent etc.These are the few of the challenges which the retire people
have to face. One more thing is people depended upon traditional savings plans for
their retirement which include Provident Fund, public provident fund,
Superannuation, Annuities, Gratuity. These are the most important and the most
common savings made by the people for their retirement. Very few would go
for other options in stock market or other long term/short term, investments.
Thus, Retirement planning is important to ensure that you have a comfortable retired
life. For this you need to begin investing systematically for your retirement.

Now-a-days we know there many investment opportunities for the
planning of ones retirement besides, the traditional avenue. Now there are
special insurance plans which are called as ULPs(Unit Linked nsurance Plans)
which are designed in such a way that one can invest in stock market also and
also get life cover i.e. protection for his life. These plans are structured for
various purposes for childrens education, retirement planning, security &
profitable plan, tax saving plan. Generally the retired people like to live their life very
smoothly and relaxed, i.e. they will not go for risky ventures.

They will go for F.D. (Fixed deposits), or Post Office Schemes, or
NSC's etc, as they give a steady income. They will not go for stock market
because even if the returns are high these are very risky because no
guaranteed returns. But in the last few years the stock market are booming thus
there many and good opportunities for the investors for the short term & long term
investments. Especially because of the Mutual Funds people can play safe. Thus if
a person really wants to earn high returns then he should invest in stock market and
for life cover pure Life insurance plan. t is also said that the ULPs, the returns are
not guaranteed returns and retired people want steady income for their post
retirement life. Thus can say that ULPs will prove a better option for only those
who have immense funds with them i.e. financial backing is good, otherwise for
middle income group it much better to have a pure nsurance plan (Annuity Plan
)for themselves rather than going for Two-in one plan ULPs. Lastly can say that
to have our retired life to be very good one should start saving as early as he starts
earning.

OveraII AnaIysis:-

Differentiation between &LIPs and MutuaI Fund:-

o The differentiation between the ULPs and the Mutual Funds thus tells that even
there are similarities between them they differ in serving to the people ULPs will act
Protection and investment, and Mutual Funds will only act as nvestment vehicle for the
respective investor.

o ULPs will prove to be better for long term and Mutual Funds will prove to be for long
term as well as short term also.


o Comparison of the &LIPs PIans of different Companies:-

o The comparison done for the different ULP plans done thus help the investor to know in
which of the plan he should take depending upon his risk appetite and for what purpose,
retirement, childs plan , capital appreciation etc.

o From the companies like Tatas Bajajs , LCs & NGs of course people will go for LC
but a man in todays dynamic world as he is now aware of the other investments
avenues, like stock market, thus will go for Bajajs because it the most affordable and its
growth is also good.

o LC
o BAJAJ ALLANZ
o TATA AG LFE

o AnaIysis of NAV & Fund Performance:-

o Fund Performance:- ntra:- The Companys equity fund is showing great potential
.Also as the market is growing and the market conditions are favoring for the growth of
the fund .Thus it will give returns to the respective investors.

nter: - All the companies equity fund are on increasing trend .They are showing a great
potential But LC, & Bajaj Allianz are having more growth chances because their
existence is good and also their fundamentals. Tata's is also good but its existence
only of few months, and is still in introductory stage thus it has to go lot more ahead.

o NAV Performance

W Tata-AG Life: - Growth is very fast

W Bajaj Allianz: - Fluctuating but is growing.

W NG Vysya Life: - Fluctuations but growing

W LC: - Fall in value in the beginning but after certain time slow growth. The
companies NAVs are growing. The lesser the fluctuations the better the fund
performs and gives capital appreciation.

. Market #esearch:


A market survey was done where agents were interviewed to know
a) How ULPs were positioned in the market
b) ts popularity,
c) Does it give good commission to them?


A questionnaire was prepared which is as follows.

Q 1) What type or class of customers visit your office?
a. Salaried 50%
b. Housewives 10%
c. self employed 40%
d. retired 0%
e. pensioner 0%

Q 2) Which policies the client opts for?
a. Traditional 10%
b. ULPS 90%

Q 3) Are ULP schemes popular?
a. Yes 100%
b. No 0%
c. cant say 0%

Q 4) Are the clients aware of ULP schemes?
a. less than 10% 0%
b. 10% --- 30% 30%
c. 30%---- 60% 5%
d. All 20%

Q5) Mode of payment of premium.
a. Cheque 100%
b. Demand Draft 0%
c. Cash 0%

Q6) What is the better positioning for ULP?
a. as a tax saving plan
b. as a retirement plan
c. as a child education plan
d. as a security cum profitable plan.

Q7 ) Qualifications
a. HSC pass 20%
b. Graduate 50%
c. MBA 30%

Q 8) How does a client respond, if any new policy is suggested to him?
Ans: - Whenever the agent suggests any new policy the client responds
according to the information given to him be the agent. Depending upon the
presentation about the product the client is curious enough to know about the
product. Sometimes the clients also answer in the yes/no answer which gives a view
that the customer either doesnt want no about the product or he doesnt no about
the product. The most frequently asked questions are about what are the returns are
guaranteed or not. Thus from the above all responses we can say that overall the
response from them is positive enough so that the agent can move ahead.









































PopuIarity of &LIPs:-

ULP came into play in the 1960s and became very popular in Western
Europe and America .The reason that is attributed to the wide spread popularity of
ULP is because of the transparency and the flexibility which it offers. As times
progressed the plans were also successfully mapped along with life insurance
need to retirement planning.

n todays times, ULP provides solutions for insurance planning,
financial needs, financial planning for childrens future and retirement planning. Unit
Linked nsurance Policies (ULPs) have become very popular during the last4-5-yrs
in ndia. Sensing the great demand for these because of their attractive features
such as insurance cover, scope for tax relief, and gains from a booming equity
market. They accounted for 82% of the private insurers new business in FY 2005-
06. They are emerging as overwhelming favorites with individuals wanting to
buy life cover complemented by a flavor of equities. Most of the investments
advisors also recommended their client, ULPs as their investment avenues in
the financial planning. As they are also designed to achieve the twin objectives of
tax benefits and capital appreciation.

There certain points which adds up more to popularity of ULPs among the
investors as well as the investment advisors, which are as follows

1) The agency commission : - An advisor selling a ULP is likely to get a
commission in the range of 30% of the premium paid in the first few years. Also
the commission in the following years amounts to about 5% for ULP investments.

2) The stock market performance in the recent past : - The sustained Bull
Run in the equity markets over the past few years has resulted in most market-
linked investments witnessing considerable growth. This has worked in favor of ULPs
as well. They have turned out a return of 15% on an average in one year.


3) FIexibiIity offered by &LIPs : - ULPs offer the kind of flexibility that no
insurance product can. For example, investors can select a ULP with an
equity-debt combination that is in line with their risk profile. A risk-taking
investor would typically select one with a high equity component, while a risk-averse
investor would opt for a debt heavy one Then there are advantages like top-up
facility (which is like a one time premium payment) that can be used to
gainfully utilize surplus monies. Another reason for buying ULP is the benefit it
offers, by bundling insurance with insurance with an investment product. Thus
for anyone who wants to avoid the hassle of taking care of numerous kinds of
investment and life insurance products, ULPs a good option.

According Sandeep Batra, Chief Financial Officer (CFO), ICICI prudential
Life Insurance Company, ULIPs are the most transparent life Insurance
products available today.


Thus from the study above (Topics - 2.6, 2.7, 2.8) I wouId Iike to say tha
&LIPs are such a product which wiII fuIfiII one needs in a very systematic
Way onIy If it is PLANNED. And this pIanning shouId be as earIy as one starts
earning.





ConcIusion:-
The nsurance Sector is growing since the LPG norms and they are growing at 80%.
LC was the only player in Life nsurance sector but now many foreign players are
competing with it. ULPs as a new investment vehicle for the investor has given a
new avenue for financial planning. The NAVs of the equity fund s of the respective
companies are showing tremendous growth.

Recommendations to the Company

:
-

&LIP$:-
W The schemes should be designed in such a way which would also suit to the
pockets of the lower and middle income groups.

W The premium should be quite less so that even lower class of people can
invest in such policy

W At the maturity the policyholder should not only get NAV (Net Asset Value)
amount but also the SA (sum Assured) i.e. guaranteed SA.

W The charges should be reduced.

W Term of the policy should b e reduced.

W The premium amount should be reduced.

W The charges can be revised.


Additional Support Required by the Agents from the Company:-

- Field support i.e. the company should provide a staff wherein they will get a field
work done from them.
- The company should p rovide proper database to their agents. For the
database the company can also have some tie-ups with some of the companies.
- There should be monthly meetings held by the company for the agents
wherein they can solve their problems and suggest the new ways for the marketing
of products.
- There should be separates Claim Settlement Cell so that the company as
well as the agents do not face any problem while settlement of claims.
- Also the company can support the agents by having some kind of publicity.

Analysis:- Thus from this sur vey would say that the company should not only
target the middle age and lower class group but also retired and pensione

Also the ULPs are gaining lot of popularity but while taking these ULPs one should
take few measures as in
1) To know to the ULP plan, which of the insurance type is adjoined term or
endowment?

2) While choosing of fund there should be balanced of equity and debt or if equity
some small p ercentage of debt should be taken so that some returns are fixed.
3) And consult to the investment advisor.


Bibliography:-



W Primary Data: -

o Booklet of An Orientation Program for Employees from the Company
o Career path presentation (COP Career Opportunities Presentation)
o Data given by Advisors (SS illustrations)
o Company Brochures
o Questionnaire

W $econdary Data:-

o nternet,:-

--- www.irdaindia.org
--- www.tata-aig.com
--- www.Iicofindia.com
--- www.bajajaIIianz.com
--- www.etinteIIigent.com
--- www.economictimes.com
--- www.per sonaIfn.com
--- www.indianmba.com
--- www.moneycontroI.com
--- www.ingvysyaIife.com
o Magazines:-

--- Money Simplified (Volume xxx, Feb 2007 ULPs how they fit in) --- RDA
Journal


o Newspapers:-

--- Economic Time
--- Times of ndia
--- ESCOLFE (nsurance newspaper)


o #eference books
--- nsurance
(Fundamentals, Environment and Procedures) By, B. S. Bodla, M. C. Garg, K. P.
Singh