This is the one to start«. Huge Potential. As there is no fear of failure. Untapped Market You have a skill set to sell but have never got an opportunity to start your business.High Growth. Write your own paycheck Only business that requires no investment from your end Use your network & ideas General Insurance Industry . Can derive substantial part of your income from this profession and also continue to earn year after year through renewals.WHY SHOULD I BECOME AN ADVISOR/AGENT      Be your own boss.  .

. Huge Potential: Current penetration in India is less than 1% Untapped Market: People need insurance. Huge Potential in health: Only 2% of Hospital Bill paid via insurance    Increasing awareness: No one would like to compromise on health facilities even in times of recession for their dear ones. growing at approx 20% per annum.Why General Insurance    High Growth: Rs. Fortis offer world class facilities but at a substantial cost. The rest 99 are still untapped. Lilavati. but only 1 out of 100 people are currently aware of the risks around them and buying general insurance.000 crore industry.32. Rising cost of hospitalization-Apollo.

 Leader in the health product segment with innovative health products  Competitive rates in all class of products  ICICI's retention philosophy-business always booked with original agent .WHY ICICI LOMBARD Achieve success with the Leader  Achievements and Awards  More than 4 million retail customers and 100 million rural customers  Assigned the iAAA rating by ICRA indicating highest claims paying ability  Adjudged as the 'General Insurance Company of the Year' at the11th Asia Insurance Industry Awards 2007  It is a house hold name and the easiest to sell to the customer.

What is in it for you? Widest Product Portfolio   Retail  Motor  Health ± CHI. Malls & Multiplexes  SME Package Policy  Corporate Cover  Business Solutions  Marine  Burglary  Fire & Special Perils  Group Health and Group Personal Products  All miscellaneous and Liability products . Petrol Pumps. Critical Care. Health Advantage Plus  Travel Non Retail Product  Package Products  Home & Building Insurance  Educational Institutes Package Policy  Package policies for Hotels.

no competition Premiums remain constant or increase Attractive payouts.15% even on renewals    .Health Insurance Proposition  Attractive proposition: Long term yield-almost 100% renewals in health as:   Renewal income stream from a 2 adult floater CHI with higher aged 33 yrs People renew because of continuity benefit-PED coverage Only channel/company knows renewal date .

Death & Permanent Total Disability ‡Covers Accidental Hospitalization Expenses ‡Sum Insured options of 10 lacs and 25 lacs ‡Personal Protect ‡Covers Accidental .Health: Wide Product Portfolio ‡ ‡ ‡ ‡ ‡ ‡ CHI-(Comprehensive Health Insurance) No co-pay & No sub limits Floater Options to cover all members of the family Convalescence Benefit of 10.000 Cashless at 4000+ hospitals with growing network 30 day pre & 60 day post hospitalisation expenses covered ‡ ‡ ‡ ‡ ‡ Critical Care Covers 9 Major Critical Illness+ PA (Death and PTD) No survival clause. Payment on diagnosis Policy Tenure of 3 yrs and 5 yrs Sum Assured of 6 lacs and 12 lacs ‡Health Advantage Plus ‡Tax Benefit in 80D ‡CHI coverage +OPD (Out ‡Dental coverage ‡Diagnostic coverage Patient) Coverage even without Hospitalisation ‡Pre existing diseases covered after 2 consecutive renewals.

MOTOR INSURANCE PROPOSITION       Most competitive rates in the market Widest cashless network Cashless network even for CV 24 hour dedicated call center to lodge your claims and check claim status online Get pvt car quote on your mobile when meeting your client instantly through ³INSURE 24X7´ RED CARPET-Premium service for your platinum CV customers .

. booked business details & policy print. Each agent is provided with a unique login to the portal through which he can login and access the various features of the portal which include renewal reminders.  Insure 24X7-Get quotes of pvt car on your mobile instantly or from our website. Advanced training is also organized at later date to enhance your selling skills & upgrade your product knowledge. payout details.An internet based agent portal built to provide policy issuance and reporting capabilities.  Dedicated branch manager and sales support for corporate calls.Business Benefits   Comprehensive Training: Prarambh is our 1 day comprehensive product training held in your nearest branch to impart product and process knowledge to get you ready to answer your customer queries. Easy & Quick Policy Issuance ± IT tools at your disposal for quick policy issuance  i-Agent.  Customers can renew their policy on our website and you get the credit for it.

Business Benefits     Fastest Claims Settlement ³Lightning Fast Claims´ is our promise to the customer and we help you achieve the same through our in house claim teams  Only company providing CV cashless facility  Widest cashless network of hospitals & garages  Tie-ups with Garages & Hospitals pan-India for cashless facility.  Claim Status can be checked online 24X7.In house health claims team i-healthcare.  Dedicated Call Centre which works 24X7 to facilitate claims anywhere in India. Refer an Agent .  Red Carpet-Premium service for your platinum customers. Training Module. Agent Service Desk (ASD) Clear Turn Around Timelines (TAT) & Escalation Agents Web Page ± Grievance Redressal.

U KEPT ME GOING .Jan¶09 . all its employees are ready to help us any time.Star Performer -.TARANJIT S ANAND ± Mumbai -. .Testimonials from our advisor family  I have been working with ICICI Lombard since last 4 yrs and it has been a wonderful experience. on time policy delivery. Periodically. but ICICI has been able to retain me for last 3 years & it is only because of their ability to identify new opportunities & changes in the markets & design & develop products according to the current needs of the markets.. Good claim settlement.RUPALI RAJENDRA MANE ± Pune ± Star Performer ± March¶09  I have been associated with ICICI Lombard for past 3 years. With their retention guidelines & conversion % I not only take care of my renewals but also can concentrate & generate on new business.. there have been a lot of attempts by other general insurance companies to poach me & convince me to do business with them. lowest quote have also helped me in increasing my business in leaps and bounds so in a way I can say yes. I receive mobile SMS & newsletter from the company & am always kept updated of the changes & new product launches. Today Customer satisfaction & prompt service is the only the mantra of my success & ICICI provides me all.

PP all these products are very much informative and reducing mental barriers of the customers who are health conscious.I. Your soft voice and hassle free claim settlement retain your customer better way -SUMIT PAL SINGH. In effect. I got so many remarks from customers. And when it comes to any kind of general insurance. I was working two more G. ³Really working 24*7 ". shirt and what not.Ambala. companies. or purse. CHI. With this organization i am doing hassle free working. As a student i have to concentrate my studies also. But the response i got from ICICI Ambala is remarkable now for me G. He need mental and monetary support on the time of claim. yes people prefer ICICI LOMBARD -THYAGARAJAN S : Top Health Advisor (Feb¶09) ± Bangalore  I am proud to be active part of ICICI LOMBARD FAMILY.For retain your customer you need to be very careful for every call of customer. There's always the easy way and the right way when it comes to deciding what goes with which shoes. everybody definitely needs health insurance coverage due to increase in medical expenses. " Process oriented general insurance company ". Not all intelligent people succeed. when i started Gen Insurance. Thus the implementation of intelligence is equally necessary for success.Testimonials from our advisor family  Health insurance is that the fundamental concept that it balances cost across a large. It is important to exploit the inner self and use intelligence to give some productive output. Success mantra for health products are " Do not sell forcefully. .Top Retention Advisor (May¶09). As this association is almost 2 years old.I. Physical and Financial destiny. random sample of individual including their family members. Some time back i started selling health products. Convince and polite follow up will give you 5 more leads than a single customer ".. My Mantra for Success is Self-confidence is the first requisite to great undertakings. HAP. I take immediate control of my Emotional. is only ICICI Lombard.


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