Kit to pitch better!

This is an interactive booklet. Click to navigate through the booklet.

Page

Objective 1

Pre-Pitch Stage 2

Pitch Stage 7

Post - Pitch Stage 11

Annexures 14
 Objective

This sales pitch kit will guide you across your pitching
journey. It includes various elements that will help you to
improve your customer interaction. We hope that with this
kit by your side, you can pitch effectively.

The Pre-Pitch Stage will help you

PRE-PITCH
understand the customer profiles, their
needs and financial goals as well.

The Pitch Stage will help you offer

PITCH
tailor-made solutions to the customers
as per their needs.

The Post-Pitch Stage will help you

POST-PITCH constantly establish the features and
re-emphasize the need for Life
Insurance.

Note: Each page has an mark on the top right to indicate the usability.
Internal External
For internal stakeholders For external stakeholders
like colleagues, partners etc like customers

1
 THE PRE-PITCH STAGE
Understand the customer profile,
needs and financial goals.

Step 1: Know about customer segments

Step 2: Understand their Life Insurance needs
Step 3: Break the ice with a conversation
Step 4: Use relevant tools to engage
 Pre-Pitch Internal

Refer to the below pointers for an in-depth understanding

of different consumer cohorts, this will provide a holistic
analysis of the customers' overall life goals, priorities,
financial mindset, usage & attitude towards financial
products and a focused understanding of the Life Insurance
category.

Occupation Life-stage Tier (cities)

based segments based segments based segments

Niche Generational HNI

segments segments Segment

MSME Segments
Segment Snapshot

3
 Pre-Pitch Internal

Click below to see solutions for various needs:

Importance of Reasons to buy Facts about

Life Insurance Life Insurance Life Insurance

Click below to understand Category based solutions :

Savings &
Protection Retirement
Investment

4
 Pre-Pitch Internal

Before the pitch, the first and foremost thing is that you
have to start a conversation - and that’s when you can try
multiple approaches to break the ice.

Here are few scripts based on the type of customer you

are interacting with that will help you engage better.

Known Existing Unknown

customer customer customer

Good Morning Mr Anil.

Thank you for your time! Hope

you and your family are safe and
doing well. I would like to help
you with personal financial
planning.

5
 Pre-Pitch External

Initiate conversation with customers and nudge them

about considering Life Insurance by using interesting sales
tools on meeting them face-to-face or interacting with
them online. These will help to engage with customers
and capture their interest.

Click below to view the Digital tools :

HLV helps to determine the Life Insurance needs of an
Human Life Value individual. This gamified module aims to assess or helps in
(HLV) Module assessing the protection cover required for a secured future.
https://www.hdfclife.com/campaigns/Digital-HLV/

An interactive module, based on an exclusive study by HDFC

Life Freedom Life, that measures key financial parameters that helps one
Index (LFI) Game stay financially healthy.
https://www.hdfclife.com/campaigns/hdfclfigame/

A tool to help customers understand and assess their financial

Financial Immunity immunity and provide suggestions on how to build their
Calculator immunity further.
https://financial-immunity-calculator.apps-hdfclife.com/

Engaging and educating customers about the Life Insurance

Journey categories by showcasing the life journey of a character
of Life through an innovative visual route.
https://www.hdfclife.com/campaigns/JourneyOfLife/

Click below to view the Offline tools:

Goal based Retirement Child's Future

Module Module Module

6
 THE PITCH STAGE
Offer a tailor-made solution
to the customer as per their needs.

Step 1: Pitch as per their needs

Step 2: Enhance your product knowledge
Step 3: Improve your customer interaction
 Pitch Internal

Insurance needs change as one progresses through various

life stages. Re-evaluating the current life, health insurance &
pension plans with respect to addition of new dependents,
increase of financial liabilities, new goals and inflation, helps
optimise the insurance needs effectively.

Young and Single Just Married Married, with Kids Nearing Retirement

Upto around 25 years Around 25 - 35 years Around 35 - 55 years 55 years and above

Tax Planning

Financial Planning for Health Pay off

mortgage Protecting
legacy
Income Protection

Savings (retirement, child’s fund etc)

New Job Medical

Pure Protection (protection of assets) Care
Plan for
Retirement Regular Income
Net
Get Married Medical Care Worth
Medical for parent Child’s
Care Buy Education
New Car
Buy Home

&

8
 Pitch Internal

You should know your customers and their needs. So,

during the pitch, focus on their needs and goals and offer
them a solution to fulfill them.

You:
Hello, hope you and your family are doing well.
How is your child coping up with her studies?
What does she plan to pursue?

Customer:
Ziva wants to study in London College of Fashion.
She has a good fashion sense also.

You:
That's great! Education is crucial to help your child
succeed in the future. You must ensure that that
you are able to support her higher education.

Customer:
I agree. How should I start?

You:
You can plan with HDFC Life Insurance Solutions so
that whatever your child’s dreams be, you are
financially ready to help her pursue.

9
 Pitch

Internal

As you prepare your product pitch, ensure you are able to

highlight the key benefits as per your customer needs.

Give-Get Product based

Leaflets
Snippets knowledge Series

External

While you pitch a product solution to your customer,

ensure you use the below collaterals to support and
simplify your pitch.

Brochures & Illustrations Product AVs

Sales Aids e.g. HLV wheel HNI Booklet

10
 THE POST- PITCH STAGE
Re-emphasize the need for Life Insurance

Step 1: Reinforcing the need

Step 2: Talk about our brand strengths
 Post-Pitch Internal

This is the time you keep communicating about the

features, benefits of the products to fulfil customer
needs and goals.
To keep the conversation going, have a quick look here to
make yourself ready to engage them.

You:
Hello! We earlier spoke about planning for securing
your child's future. I had suggested a few plans that
would help you with the same.

Customer:
I'm still deciding on the plan

You:
Can I help you with further details ?

Customer:
Yes. That would be great!

You:
This will help you understand the plan working.

12
 Post-Pitch External

Keep in touch with the customers and use relevant sales

tools to remind them how your solutions can help them
achieve their goals and a worry free future.

Product Brochures Give-Get

& Illustrations Snippets

Highlight the key credentials and re-emphasize the

reasons to opt for HDFC Life.

Brand Strengths Claims Settlement

13
Annexures
 Segments snapshots Internal

Customer Life Financial Purchase

Segments Triggers
Profile Priorities Behaviour Behaviour
Occupation based segments
• Willing to consider new avenues • Consult family and friends
Mature and • Child’s future • Protection of family in case of
• Decide independently • Base decisions on type of policy, life-cover,
independent investors • Family’s financial untimely death
Salaried who focus on securing security • Own a balanced mix of secured and • Saving tax
and claims ratio
high-risk products • Purchase preference: Online for ease of
their family • Emergency plan • Safe investment option
access

• Investment option for • Consult family and financial advisor

Disciplined investors, • Higher Studies for • Financially savvy
unforeseen events • Research company background and
ready to take self • Ready to take controlled risks
Self-employed • Buying a car • Own a balanced-return focused
• Additional investment premium default process
calculated risks for • Purchase preference: through bank
option
higher returns • Starting a business portfolio
• Disciplined saving for trust, clarity and ease of payment

• Lowest search index segment

• Agent recommendation • Search for agents and advisors
Find it hard to save • Find products difficult to understand
• Starting a business • Friends and family • Research implication of defaulting
regularly and need • Prefer fixed returns
Businessmen guidance on financial
• Buying a house recommendation premium
• Own a limited portfolio of traditional
• Buying a car • Additional investment • Purchase preference: through agent,
products secured products
option based on accessibility, knowledge, and
relationship

Life-stage based segments

Young Aspirants
(Age- 30 years or below)
• Research online
• Take recommendations from loved ones
• Updated on existing and new
Financial novices, look • Starting a business • Additional income option • Evaluate based on documents to be
for guidance to make • Buying a home
financial products
submitted and claim settlement ratio
• A safety net for adverse
• Prefer low-risk investments
decisions • Professional growth events • Purchase preference: at bank or
• Own traditional instruments
company website

• Take recommendations from

• Child’s future financial advisors
• Updated on existing and new • Child’s education & marriage
Responsible parents, • Financial security of • Evaluate based on documents to be
Proud Parents evolved investors with family
financial products • Additional life cover
submitted, claim settlement ratio
(Age- 30 to 45 years) • Validate information online • Protection of family in
a balanced portfolio • Planning for and hidden charges.
• Own a balanced portfolio case of untimely death
emergencies • Purchase Preference: trusted banks
and online channels

• Validate specific details like lock-in

• Planning for period and maturity amount on
Planning for retirement • Concerned about financial security • Tax savings option company website
Wisdom Investors retirement, focus on • Child’s future • Evaluate through trusted sources
• Want to invest for early retirement • Protection from uncertainties
(Age- 45 to 55 years) like agent and company website
family’s security • Planning for • Rely on advice of financial advisor • Guaranteed returns
emergencies • Purchase Preference: through trusted
financial advisor

Tier based segments

• Research through social media and
• Financial security • Believe in disciplined savings financial blogs
Live in metros, find • Family protection in case of
of family • Evaluate based on claim settlement
Tier 1 financial products • Take decisions independently untimely death
ratio, documents to be submitted
(Cities with population • Improving standard • Safety more important than returns • Additional investment
difficult to understand and tax savings
of living
> 40 Lakhs) hence research online • Own low-risk portfolio option
• Traveling • Purchase preference: online through
aggregator after comparing products

• Research through aggregator

websites and financial advisors
Live in tier 2 cities, • Buying a home • Controlled and disciplined spending
Tier 2 • Protection of child's future • Evaluate based on tax benefits and
well planned investors • Child's future • Highly risk-averse
(Cities with population • Recommendation by an policy tenure
for whom security of • Growing business • Prefer to invest in fixed return assets
10 - 40 lakhs) agent • Purchase Preference: primarily
family is key priority • Higher education • Own risk-averse portfolio through direct channels due to good
relationship

Working Women
(Average Age- 34 years)
Niche segments
• Updated about new and existing • Take recommendations from friends
Disciplined but and financial blogs
• Buying a home products • Recommendation by an
risk-averse investors,
• Prefer fixed returns options • Evaluate based on information
• Traveling agent or friends and family
prioritise fulfilling gathered online research.
• Child’s future • Saving regularly is important • Security of family
dreams and aspiration • Purchase preference: through bank
• Own risk-free products
channel due to trust

• Updated about new and existing • Self-initiate research process

Focused on • Additional investment
• Growing business • Evaluate based on tax benefits and
Affluent Customers professional growth products option
• Child’s future • Willing to explore new avenues policy tenure
(Average Age- 35 years) • Protection of family in case
and family protection • Traveling • Purchase Preference: through bank
• Own a balanced financial portfolio of untimely death
because of trust and convenience.

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 Occuptation based segments Internal

Sub- Custome Salaried Individuals

Life Financial Triggers Purchase
segment Profile Priorities Behaviour Behaviour
Triggers • Consult family and friends
Life Priorities
Mature and
• Child’s future
• Willing to consider new avenues • Protection of family in case of untimely
• Base decisions on type of policy,
independent investors • Decide independently death• Protection of family in case of
Salaried • Family’s financial security life-cover, and claims ratio
• Child’s who
future
focus on securing • Own a balanced mix of secured and • Saving untimely
tax death
• Emergency plan • Purchase preference: Online for ease
their family high-risk products • Safe investment option
• Family’s financial security • Saving tax of access
• Emergency plan • Safe investment option
Disciplined investors, • Consult family and financial advisor
• Financially savvy • Investment option for unforeseen
ready to take • Higher Studies for self • Research company background and
Self- • Ready to take controlled risks events
calculated risks for • Buying a car premium default process
employed • Own a balanced-return focussed • Additional investment option
higher returns • Starting a business • Purchase preference: through bank
portfolio • Disciplined saving
for trust, clarity and ease of payment

Purchase Behaviour
Financial Behaviour • Lowest search index segment
• Consult family and friends• Search for agents and advisors
• Willing to consider Find
newitavenues
hard to save • Find products difficult to understand
• Starting a business • Agent•recommendation
Base decisions on type of policy,
• Research implication of defaulting
• Decide regularly and need
independently • Prefer fixed returns
Businessmen • Buying a house • Friends and family recommendation
life-cover, and claims ratio premium
guidance on financial • Own a limited portfolio of traditional
• Buying a car • Additional investment option • Purchase preference: through
• Own a balanced mixproducts
of secured and secured products • Purchase preference: Onlineagent, for ease
based on accessibility,
high-risk products of access knowledge, and relationship
Mature and independent investors
who focus on securing their family
Life-stage based

• Research online
• Take recommendations from loved
Self-Employed
Young • Updated on existing and new
Financial novices, look • Starting a business ones
Aspirants financial products • Additional income option
for guidance to make • Buying a home • Evaluate based on documents to be

Professionals
(Age- 30 years • Prefer low-risk investments • A safety net for adverse events
decisions • Professional growth submitted and claim settlement ratio
or below) • Own traditional instruments
• Purchase preference: at bank or
company website
Life Priorities Triggers
• Investment option for
• Higher Studies for self • Take recommendations from
• Child’s future • Updated on existing and new unforeseen
• Child’s education events
& marriage financial advisors
Proud•Parents
BuyingResponsible
a car parents, • Evaluate based on documents to be
• Financial security of financial products • Additional life cover investment option
• Additional
(Age- 30 to 45 evolved investors with submitted, claim settlement ratio
• Starting a business family • Validate information online • Protection of family in case of
years) a balanced portfolio • Disciplined saving and hidden charges.
• Planning for emergencies • Own a balanced portfolio untimely death
• Purchase Preference: trusted banks
and online channels

• Validate specific details like lock-in

• Planning for retirement period and maturity amount on
Wisdom
Planning for
Financial Behaviour
Investors
retirement, focus on
• Child’s future
• Concerned about financial security
• Want to invest for early retirement
Purchase
• Tax savings option
Behaviour
• Protection from uncertainties •
company website
Evaluate through trusted sources
(Age- 45 to • Planning for
family’s security • Rely on advice of financial advisor • Consult
• Guaranteed returns like agent and company website
family and financial advisor
• Financially savvy
55 years) emergencies
• Purchase Preference: through trusted
• Research company background and premium
financial advisor
• Ready to take controlled risks
default process
• Own a balanced-return focused Tier based • Purchase preference: through bank for trust,
portfolio
clarity and ease of payment
Disciplined investors, ready to take
• Financial security of
• Research through social media and
financial blogs
Tier 1 Live in metros, find • Believe in disciplined savings
family calculated risks for higher returns • Family protection in case of untimely • Evaluate based on claim settlement
(Cities with financial products • Take decisions independently
• Improving standard of death ratio, documents to be submitted
population > difficult to understand • Safety more important than returns
living • Additional investment option and tax savings
40 Lakhs) hence research online • Own low-risk portfolio
• Traveling • Purchase preference: online through
aggregator after comparing products

Businessmen • Research through aggregator

websites and financial advisors
Tier 2 Live in tier 2 cities, • Buying a home • Controlled and disciplined spending
Life
( Cities with Priorities
well planned investors • Child's future • Highly risk-averse Triggers
• Protection of child's future • Evaluate based on tax benefits and
policy tenure
population for whom security of • Growing business • Prefer to invest in fixed return assets • Recommendation by an agent
• Starting a business
10 - 40 lakhs) family
• Agent recommendation • Purchase Preference: primarily
is key priority • Higher education • Own risk-averse portfolio through direct channels due to good
• Friends and family relationship
• Buying a house
recommendation
• Buying a car
Niche • Additional investment option

• Updated about new and existing • Take recommendations from friends

Working Disciplined but and financial blogs
• Buying a home products • Recommendation by an agent or
Women risk-averse investors, • Evaluate based on information
• Traveling • Prefer fixed returns options friends and family
(Average prioritise fulfilling gathered online research.
• Saving regularly is important • Security of family
Age- 34 years) dreams and aspiration
• Child’s future
Purchase Behaviour• Purchase preference: through bank
Financial Behaviour • Own risk-free products
channel due to trust
• Lowest search index segment
• Find products difficult to understand
• Search for agents and advisors
• Self-initiate research process
Affluent Focussed on • Updated about new and existing
• PreferCustomers
fixed returns • Growing business products
• Additional investment option • Evaluatepremium
• Research implication of defaulting based on tax benefits and
professional growth • Child’s future • Protection of family in case of policy tenure
(Averageportfolio of traditional
• Own a limited • Willing to explore new avenues
and family protection • Traveling • Purchase
untimely death preference: through agent,Preference:
• Purchase based through bank
Age- 35 years) • Own a balanced financial portfolio
secured products because
on accessibility, knowledge, and of trust and convenience.
relationship
Find it hard to save regularly and
need guidance on financial products

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 Life-stage based segments Internal

Young Aspirants
Age- 30 years or below

Life Priorities Triggers

• Additional income option
• Starting a business
• A safety net for adverse
• Buying a home
events
• Professional growth

Purchase Behaviour
Financial Behaviour • Research online
• Updated on existing and new • Take recommendations from loved ones
financial products • Evaluate based on documents to be
• Prefer low-risk investments submitted and claim settlement ratio
• Purchase preference: at bank or
• Own traditional instruments
Financial novices, company website

look for guidance to make decisions

Proud Parents
Age- 30 to 45 years

Life Priorities Triggers

• Child’s education & marriage
• Child’s future
• Additional life cover
• Financial security of family
• Protection of family in case
• Planning for emergencies
of untimely death

Financial Behaviour Purchase Behaviour

• Take recommendations from financial
• Updated on existing and new financial
advisors
products
• Evaluate based on documents to be submitted,
• Validate information online claim settlement ratio, and hidden charges.
• Own a balanced portfolio • Purchase preference: trusted banks and online
channels
Responsible parents, evolved
investors with a balanced portfolio

Wisdom Investors
Age- 45 to 55 years

Life Priorities Triggers

• Planning for retirement • Tax savings option
• Protection from uncertainties
• Child’s future
• Guaranteed returns
• Planning for emergencies

Purchase Behaviour
Financial Behaviour • Validate specific details like lock-in period
and maturity amount on company website
• Concerned about financial security
• Evaluate through trusted sources like
• Want to invest for early retirement agent and company website
• Rely on advice of financial advisor • Purchase Preference: through trusted
Planning for retirement, financial advisor

focus on family’s security

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 Tier (cities) based segments Internal

Tier 1 (Cities)
Population > 40 Lakhs

Life Priorities Triggers

• Financial security of family • Family protection in case of
untimely death
• Improving standard of living
• Additional investment
• Travelling
options

Purchase Behaviour
Financial Behaviour • Research through social media and
• Believe in disciplined savings financial blogs

• Take decisions independently • Evaluate based on claim settlement ratio,

documents to be submitted and tax savings
• Safety more important than returns
Live in metros, find • Purchase preference: online through
• Own low-risk portfolio
financial products difficult aggregator after comparing products

to understand, hence
research online

Tier 2 (Cities)
Population 10 - 40 lakhs

Life Priorities Triggers

• Buying a home
• Protection of child's future
• Child's future
• Recommendation by an agent
• Growing business
• Higher education

Purchase Behaviour
Financial Behaviour • Research through aggregator websites
• Controlled and disciplined spending and financial advisors
• Highly risk-averse • Evaluate based on tax benefits and
• Prefer to invest in fixed return assets policy tenure
Live in tier 2 cities, • Purchase Preference: primarily through
• Own risk-averse portfolio
Well planned investors for direct channels due to good relationship
whom security of family
is key priority

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 Niche segments Internal

Working Women
Average Age- 34 years

Life Priorities Triggers

• Buying a home • Recommendation by an
• Travelling agent or friends and family
• Child’s future • Security of family

Financial Behaviour Purchase Behaviour

• Updated about new and existing
products
• Prefer fixed returns options
• Saving regularly is important
• Own risk-free products
• Take recommendations from friends
and financial blogs
• Evaluate based on information gathered
online research.
Disciplined but • Purchase preference: through bank
risk-averse investors, channel due to trust

proritise fulfilling
dreams and aspiration

Affluent Customers
Average Age- 35 years

Life Priorities Triggers

• Growing business • Additional investment
options
• Child’s future
• Protection of family in
• Travelling case of untimely death

Purchase Behaviour
Financial Behaviour • Self-initiate research process
• Updated about new and existing • Evaluate based on tax benefits and
products policy tenure
• Willing to explore new avenues • Purchase Preference: through bank
• Own a balanced financial portfolio
Focused on because of trust and convenience.
professional growth
and family protection

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 Generational segments Internal

Young Millennial
Born between 1991-96

Life Priorities Triggers

• Higher studies • Recommendation by friends
and family
• Buying a home
• Safe Investment options
• Growing or starting business

Purchase Behaviour
Financial Behaviour • Research through social media and
• Find products difficult to understand financial blogs
• Prefer low-risk investment • Evaluate based on claim settlement ratio,
documents to be submitted, and tax savings
and fixed returns
Priority to achieve • Purchase preference: primarily through
• Own risk-averse portfolio
success through short-term offline channels

financial goals

Millennial Parents
Born between 1982-90

Life Priorities Triggers

• Child’s future • Securing child's future
• Medical emergencies • Planning for medical emergencies
• Financial security of family

Purchase Behaviour
Financial Behaviour
• Self-initiate research process
• Updated about new and existing
• Evaluate based on tax benefits and
products
policy tenure
• Invest to retire early
• Purchase Preference: through bank
• Own a balanced,return-focused because of trust and convenience
portfolio Priority to create a safety
net for adverse life events

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 HNI Segment Internal

Available on • Connect page> Marketing> Knowledge Series

21
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 Business Insurance Solutions (MSME) Internal

Available on • Connect page> Marketing> Knowledge Series

22
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 Importance of Life Insurance Internal

Available on • Connect page> Marketing> Knowledge Series

23
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 Reasons to buy Life Insurance External

Available on • Connect page> Marketing> Knowledge Series

24
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 Facts about Life Insurance Internal

Available on • Connect page> Marketing> Knowledge Series

25
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 Category Solutions - Protection Internal

Available on • Connect page> Marketing> Knowledge Series

26
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 Category Solutions - Retirement Internal

Available on • Connect page> Marketing> Retirement

27
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 Category Solutions - Savings Internal

Available on • Connect page> Marketing> Knowledge Series

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 Script for known customers Internal

Opening Statement: Good morning/Good afternoon/Good evening Mr /Ms ABC.

If you are not busy could we speak for a few minutes?
If the customer says No: Should I call you tomorrow same time in that case?
If the customer says Yes: Thank you Sir/Madam. Have a good day.
If the customer says No: Then Sir/Madam can I call you on Monday/after 2 days or
any other convenient time you suggest?
If the customer says yes after the opening statement, refer to the below
scripts basis the scenario

A Customer is known to HDFC Life or Distribution Partner. Previous interaction has been
done, but did not purchase any plan.
If the customer says Yes after the opening statement: Thank you for the time Sir/Madam
and I hope that you and your family are safe and doing well. Do let me know if you need any
assistance with your banking/financial service requirements.

Benefit Statement: Sir/Madam, if you recall we had spoken ___months back on our
various to secure your and your family’s goals. In uncertain/unprecedented times like this,
we at HDFC Life/Distribution Partners thought of connecting with you to reiterate the
importance of protecting income and health expenses and provide necessary expert
advice. Could I take you through some of the recommendations?

If the customer says Yes, Introduce the plan: Thank you I would like to introduce to you
a non-participating plan that will protect you from the volatility of equity markets which
we are facing now.
After discussing the product proposition if the customer agrees, go ahead with this plan
and guide the customer to the buying process.

Closing statement: Thank you Sir/Madam for your time and have a wonderful day/evening
ahead.

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 Script for existing customers Internal

Opening Statement: Good morning/Good afternoon/Good evening Mr /Ms ABC.

If you are not busy could we speak for a few minutes?
If the customer says No: Should I call you tomorrow same time in that case?
If the customer says Yes: Thank you Sir/Madam. Have a good day.
If the customer says No: Then Sir/Madam can I call you on Monday/after 2 days or
any other convenient time you suggest?
If the customer says yes after the opening statement, refer to the below
scripts basis the scenario

A Customer is known to HDFC Life or and has an existing plan with HDFC Life.
If customer say Yes after the opening statement: Thank you for the time Sir/Madam and
I hope that you and your family are safe and doing well. Hope you are not having any issues
with our services and do let me know if you need any assistance on your banking/financial
service requirements.
Benefit Statement: In this tough time and otherwise as well, it is important to review your
portfolio in terms of life cover, health cover, short term, medium term and long term cash
flows. We at (HDFC Life/ Bank name/ Distribution partner name) take this as our responsibility
to periodically review our customer’s portfolio at various life stages and provide value added
guidance.
Sir/ Madam, may I go ahead with the key recommendations?
If the customer says Yes then explain gaps in protection, health cover, annuity and
pitch the product depending on the customer response. You can also check pre-approved
offers using insta. Plan Introduction: For example, if the customer is looking at guarantee
in these uncertain times:
Thank you Sir/Madam, I would like to introduce to you a non participating plan that will protect
you from the volatility of equity markets.
Discuss Sanchay Plus features and benefits.
If the customer is interested in plan post going through product benefits, illustration
and wants to buy now then take him/her through the digital buying process.
If the customer is interested but wants to go through illustration, product features in
more details before the buying decision then send him/her illustration, brochure via
mail or WhatsApp.
Closing statement: Thank you Sir/Madam for your time and have a wonderful day/evening
ahead.

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 Script for unknown customers Internal

Opening Statement: Good morning/Good afternoon/Good evening Mr /Ms ABC.

If you are not busy could we speak for a few minutes?
If the customer says No: Should I call you tomorrow same time in that case?
If the customer says Yes: Thank you Sir/Madam. Have a good day.
If the customer says No: Then Sir/Madam can I call you on Monday/after 2 days or
any other convenient time you suggest?
If the customer says yes after the opening statement, refer to the below
scripts basis the scenario

Cold Calling Customer - Not Known to HDFC Life or to the Distribution Partner
If customer say Yes after the opening statement: Thank you for the time Sir/Madam and
I hope that you and your family are safe and doing well.
Benefit Statement: Sir/Madam we at HDFC Life/Distribution Partner name specialise in
providing Protection, Health, Pension and Savings products that can help you and your
family in this uncertain times.
I’m sure financial security and health is top priority for your family and you would like to
know more. Also in these tough unprecedented times and otherwise also, it is important to
review your portfolio in terms of life cover, health cover, short term, medium term and long
term cash flows. Shall I go ahead and explain it to you?
If the customer says Yes then ask details of family, financial goals, income he/she
expecting after retirement, expense he has through for child education, marriage,
medical exigencies etc.
Also, check existing cover, other plans, KYC, income, etc.
Plan Introduction: Thank you for the opportunity Sir/Madam. I would first like to ask you
an important question as to how much Life cover do you currently have? (Assuming
customer does not have any life cover). Well Sir/Madam, then the first thing that I believe we
should do is get a Term Plan This low cost high Insurance plan will help protect your family
income in case of an unfortunate event and it will cost you less than a cup of coffee a day.
If the customer is interested in plan post going through product benefits, illustration and
wants to buy now then take him/her through the digital buying process.
If the customer is interested but wants to go through illustration, product features in
more details before the buying decision then send him/her illustration, brochure via
mail or WhatsApp.
Closing statement: Thank you Sir/Madam for your time and have a wonderful day/evening
ahead.

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 Offline tool - Goal based Module External

• >Marketing collaterals> Sales Tools

Available on • Connect page> Marketing> Sales Tools

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 Offline tool - Retirement Module External

• >Marketing collaterals> Sales Tools

Available on • Connect page> Marketing> Sales Tools

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 Offline Tool - Child's future Module External

• >Marketing collaterals> Sales Tools

Available on • Connect page> Marketing> Sales Tools

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 Brochures and Illustrations External

Click2Protect Life Click 2 Wealth

Saral Jeevan Bima Click 2 Invest
Click2Protect Super ProGrowth Plus

Sanchay Plus Youngstar Udaan

Sanchay Fixed Maturity Plan
Sanchay Par Advantage
Guaranteed Savings Plan

Systematic Retirement Plan Group Credit Protect Plus

Pension Guaranteed Plan Group Poorna Suraksha

• >Marketing collaterals> Brochures

Available on • https://www.hdfclife.com/all-plans

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 Product AVs External

Click2Protect Life Pension Guaranteed Plan

Sanchay Plus Group Credit Protect Plus

Sanchay Par Advantage Click2Protect Super

Segment based videos for

Sanchay Fixed Maturity Plan
Young & Responsible Proud Parents

About to Retire

Sanchay Fixed Maturity Plan

• Connect page> Marketing> AV> Product AVs

Available on • >Marketing collaterals> Product AVs
• https://www.hdfclife.com/all-plans

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 Business Insurance Solutions (MSME) External

Create value with business insurance solutions Create value with business insurance solutions
by by
Hindu Undivided Family (HUF) Keyman Insurance

Keyman Insurance policy financially protects

business by insuring key personnel.
An HUF is defined as a family consisting of all persons lineally
descended from a common ancestor, including wives and daughters. Key Benefits

Profit Protection Loan / Overdraft Protection Ownership Protection

Mitigates financial Helps in repayment Helps in buying out deceased
Key Benefits loss to business of company's debts director’s/ partner’s shares

Benefit under Section 80C Maturity proceeds, death proceeds from HUF insurance Premium allowed as business expense#
Valuation Protection
TAX of the Income Tax Act, 1961 subject to exemption under Section 10 (10D)# Under Section 37(1) of the Income Tax Act,
Helps in maintaining valuation
at same level as it was when 1961 premiums paid under Keyman Insurance
the key person was alive are allowed as business expense

# Subject to conditions specified in Section 37(1) of the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws. The customer is
# Subject to conditions specified in Section 10 (10D) of the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws. The customer is requested to seek tax advice from his requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Indian
Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Indian Income-Tax law. Income-tax law.

Create value with business insurance solutions Create value with business insurance solutions
by by
Married Women's Property Act, 1874 Partnership Insurance

The Indian Married Women’s Property Act (MWPA), 1874

Partnership Insurance is an insurance policy that provides compensation to a business
• Ring fences wealth created such that business wealth is insulated from adverse impact of
partnership. The insurance policy will pay out funds in the case of the death of any of the
personal decisions and personal wealth is insulated from adverse impact of business
decisions partners which will allow for the purchase of the deceased persons share of the business.

• Ensures monetary benefits accrue to wife and children of life assured so they can avert
the burden of debts in case of unfortunate event
Key Benefits

Premium paid can be considered

Key Benefits Ensures continuity of business
as business expense under section
without any disruptions
Welfare Protection Free of Encumbrances Tax Benefit# 37(1) of the Income-Tax Act, 1961#
An immediate asset is Secures your family by Maturity proceeds and
created for wife and / safeguarding your life death benefit are tax-free
or children insurance proceeds under under Sec 10 (10D) of the Provides liquid capital to settle
Section 6 of the MWPA, Income Tax Act, 1961# Promotes goodwill of the firm accounts with the families of the
1874* ` deceased partner

# Subject to conditions specified in Section 10 (10D) of the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws. The customer is
requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Indian
Income-Tax law. #Tax benefits are subject to changes in tax laws. The customer is requested to seek tax advice from his Chartered Accountant or personal tax
*Subject to eligibility under the provisions of the Married Women’s Property Act, 1874 (MWPA). For more details, speak to our staff. You may also advisor with respect to his personal tax liabilities under the Indian Income-tax law.
consult your legal adviser for understanding the provisions of MWPA.

Available on • Connect page> Marketing> Leaflets

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 Product based knowledge series Internal

Available on • Connect page> Marketing> Knowledge Series

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 Give-Get Snippets Internal

Available on • Connect page> Marketing> Knowledge Series

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 Sales Aids External

Life Goal based sales tools

Click2Protect Life sales tool

Wheel of Life

Available on • Connect Page> Marketing> Sales Aid

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 HNI Booklet External

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 Brand Strength External

• Connect page> Marketing> Brand Strengths

Available on
• >Key Credentials mailer

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 Claims Settlement External

Available on • Connect page> Marketing> Claims Settlement

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HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
This communication is part of training material for internal circulation only and should not be used for solicitation. Any
unauthorized dissemination, distribution, reproduction, display, alteration or copying in any form or by any means of any
contents of this communication is prohibited.
INT/MC/01/23/31536