“our dreams have to be bigger.

our ambitions higher.

our commitment deeper.
and our efforts greater.
this is my dream for Reliance and for India.”

Dhirubhai Ambani

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The legacy of entrepreneurship

Business opportunity for advisors

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The vision of Shri Dhirubhai Ambani
building a world-class enterprise in India based on
 indian opportunity
 strength of the indian middle class
 power of indian youth

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evolution
 first textile mill at Naroda
 launch of ‘Only Vimal’ brand
 first corporate in Asia to issue
50 and 100 years bond in US
 controlling stake in erstwhile
BSES today known as
Reliance Energy Limited
 Anil Dhirubhai Ambani Group
- ADAG formed

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The ADAG companies
 Mudra Communications
 NIS Sparta Ltd.
 Reliance Infocomm
 Reliance Energy Ltd.
 Reliance Adlabs
 Reliance Capital

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Reliance Capital

the financial destination

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in the league of top three with varied businesses
 Reliance Mutual Fund
 AUM of Rs.11 4300 Crs.

 Reliance Life Insurance

 growing by over 100% year

on year
 Reliance General Insurance
 offering spectrum of products

 Reliance Credit Cards

 just launched

 Reliance Money
 giving a new dimensions to

traditional brokerage
business

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Life Insurance - the rising industry

an overview

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the past

 1956 - the nationalisation

 1956 - 2000 – single player named LIC

 2000 – invitations to private insurance

companies

 2010 - 22 private insurance companies

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the potential
 industry growth @ CAGR* of 35 %
 private player @ CAGR of 125%
 life insurance contribution to GDP
 developed countries - 8%

 India – less than 2%

 India's population: 120 crores

 insured population: 6.73%

 In numbers: 8 Crs.

 average life cover: less than Rs. 10,000


Reliance Life Insurance growing by over
300% year on year

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market share (%)

Insurer 2005-06 2009-10 Growth rate % change

First year premium including single premium

LIC 18835 43573 +131%
Private sector 7451 14364 +93%

In crores
Comparative Data is till Feb. 06 and Feb. 10

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Reliance Life Insurance Company Limited

insuring India, ensuring you.

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the journey so far…..

 acquired AMP Sanmar in Feb 2006

 100% fully owned Indian company with no JV

partner

 paid-up capital of Rs. 2300 Crs.

 present in 1237 branches across1237 locations

 190 more branches planned

 a strong sales force of over 270,000 advisors

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insurance solutions
plans for varied solutions:
 savings solutions
 protection solutions
 children plan
 unit linked solutions
 retirement solutions

 flexible rider options

 accident and disability

 critical illness

 term and in-built waiver of

premium

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opportunity for you

build your future

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own your destiny

 you can be your own boss!

 you can write your own
cheque, no matter the size
 you can seize the future and
dictate your terms
 you can dream and make it
happen

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build wealth

 high FY commissions
 one of the highest in industry

 renewal commissions
 recurring income year after year

 periodical contests

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It is your income!
Year 1 Year 2 Year 3
No of cases 50 75 100
Avg. premium 15,000 20,000 22,000
Total premium 7,50,000 15,00,000 22,00,000
Avg. commission 25% 25% 25%
Year 1 commission 1,87,500 3,75,000 5,50,000
Year 2 commission @ 7.5% 56,250 1,12,500

Year 3 commission @ 7.5% 56,250

Total income 1,87,500 4,31,250 718,250

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Are you a performer?
Year 1 Year 2 Year 3
No of cases 100 150 200
Avg. premium 15,000 20,000 22,000
Total premium 15,00,000 30,00,000 44,00,000
Avg. commission 25% 25% 25%
Year 1 commission 3,75,000 7,50,000 11,00,000
Year 2 commission @ 7.5% 1,12,500 2,25,000

Year 3 commission @ 7.5% 2,25,000

Total income 3,75,000 8,62,500 15,50,000

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drive home your dream!

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fly with your dream

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mdrt/ cot/ tot
 the Premier Association of
Financial Professionals
 an exclusive honor achieved
only by a small percentage of all
life
insurance and financial services
advisors worldwide
 the highest recognition in
insurance internationally

how to get there..?

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vying for covet

criteria for mdrt/ cot/ tot etc

 MDRT - premium Rs. 3036400/-

 COT - premium Rs. 9109200/-

 TOT - premium Rs. 18218400/-

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R.A.R.E. program

advisor career progression

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advisor career progression

 Channel Development Associates

 Sales Manager

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advisor career progression
 qualification

Sales Manager
 advisors have an opportunity to become employees of Reliance life

insurance, if they satisfy the following criteria:

 Age : Less than 35 years
 Education Qualification : Graduate
 Business : 60 cases in a period of 6 to 12 months,
with an average premium of Rs 15,000/-
S/he needs to be active for at least
(every month – 1)

 upon satisfying this criteria, the advisor will be nominated by the BM/AM
for an interview process

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advisor career progression
economic attributes

 proven track record in the business of life insurance, financial products or services.

 capable of investing an amount between Rs.1-3 lakhs

 office space of 800 sq.ft for specific CDA’s.*.

 access to a large base of potential customers and agents

behavioral attributes

 strong entrepreneurial spirit and drive

 passion to succeed against odds

 honesty and integrity

 long term commitment to business

 leadership and managerial skills.

 excellent communication skills.

*subject to certain qualifications

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our complete support
 excellent managerial support

 appropriate media support

 attractive incentives & contests

 robust customer support & service

 excellent products (wide range)

 regular training (best in the industry)

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5 ‘I’s to success in insurance

 intention to excel and make it big

 IRDA license for soliciting business
 interact and meet people on a regular
basis
 incentives & commissions to fuel you
 improvement on an on-going basis

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benefits in a nutshell

 build your business with zero

capital
 enjoy the benefits of residual
income
 flexible work hours
 attractive Commission
 exciting Recognition programs
 association with a strong brand
– reliance
 capitalize on the growing
Insurance market

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let's be 1
you are just a signature away for the most rewarding career!!

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do you have it in you?

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together we will win the world

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questions and answers

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Thank you

June 25th 2010

A Reliance Capital Company