Established on 14th August 2000, HDFC Standard Life Insurance Co. Ltd.

is a joint venture
between Housing Development Finance Corporation Limited (HDFC Limited) - India's leading
housing finance institution, and a Group Company of the Standard Life Plc, UK. The Company
is one of leading private insurance companies, offering a range of individual and group insurance
solutions, in India. Being a joint venture of top financial services groups, HDFC Standard Life
has adequate financial expertise to manage long-term investments safely and resourcefully.

HDFC Standard Life Insurance offers a range of individual and group solutions, which can be
easily personalized to specific needs. Its group solutions have been planned to offer complete
flexibility, together with a low charging structure. As of 31 December, 2008, the Company's new
business premium income stood at Rs. 1,839.70 Crores; it has covered over 812,811 lives so far.
Given below is a comprehensive list of policies and products on offer by HDFC Standard Life
Insurance:

Protection Plans
• HDFC Term Assurance Plan
• HDFC Loan Cover Term Assurance Plan
• HDFC Home Loan Protection Plan
Children's Plans
• HDFC Children's Plan
• HDFC Unit Linked Young Star II
• HDFC Unit Linked Young Star Plus II
• HDFC Unit Linked YoungStar Champion
Retirement Plans
• HDFC Personal Pension Plan
• HDFC Unit Linked Pension II
• HDFC Unit Linked Pension Maximiser II
• HDFC Immediate Annuity
Savings & Investment Plans
• HDFC Unit Linked Endowment Plus II
• HDFC SimpliLife
 • HDFC Unit Linked Endowment II
• HDFC Unit Linked Enhanced Life Protection II
• HDFC Unit Linked Wealth Maximiser Plus
• HDFC Unit Linked Endowment Winner
• HDFC Endowment Assurance Plan
• HDFC Money Back Plan
• HDFC Single Premium Whole of Life Insurance Plan
• HDFC Assurance Plan
• HDFC Savings Assurance Plan
Health Plans
• HDFC Critical Care Plan
• HDFC SurgiCare Plan
Group Plans
• Group Term Insurance Plan
• Group Variable Term Insurance Plan
• Group Unit Linked Plan - Gratuity
• Group Unit Linked Plan - Superannuation
• Group Unit Linked Plan - Leave Encashment
• HDFC Standard Life believes that establishing a strong and ethical foundation is an
essential prerequisite for long-term sustainable growth. To ensure this, we have
concentrated our focus on expansion of branch network, organising an efficient and well
trained sales force, and setting up appropriate systems and processes with optimum use
of technology. As all these areas form the basic infrastructure for establishing the
highest possible customer service standards.
• Our core values are drilled down to all levels of employees, as these are inviolable. We
continue to promote high integrity in business practices and shun short cuts and
unethical practices, as we wish to be perceived as an institution with high moral
standing. Since our inception in 2000, when the Indian insurance space was opened for
private participation, we have consistently focused on setting benchmarks in all aspect
 on insurance business. Being the first private player to be registered with the IRDA and
the first to issue a policy on December 12, 2000, our differentiators are:
Our Vision & Values
Our Vision
'The most successful and admired life insurance company, which means that we are the most
trusted company, the easiest to deal with, offer the best value for money, and set the standards in
the industry'.
'The most obvious choice for all'.
Our Values
Values that we observe while we work:
• Integrity

• Innovation

• Customer centric

• People Care “One for all and all for one”

• Team work

• Joy and Simplicity

HDFC Standard Life Insurance Co. Ltd was incorporated on 14th august 2000. It is a joint
venture between Housing Development Finance Corporation Limited (HDFC Ltd.) India and
UK based Standard Life Company. Both the joint venture partners being one of the leaders in
their respective areas came together in this 81.4:18.6 joint venture to form HDFC Standard Life
Insurance Company Limited.

The MD and CEO of HDFC Standard Life Mr. Deepak Satwalekar, has given the company new
directions and has helped the company achieve the status it currently enjoys. HDFC Standard
Life brings to you a whole range of insurance solutions be it group or individual or NAV
services for corporations, they can be easily customized as per specific needs.

HDFC Standard Life Insurance India boasts of covering around 8.7 lakh lives by March'2007.
The gross incomes standing at a whopping Rs. 2, 856 crores, HDFC Standard Life Insurance
Corporation is sure to become one of the leaders and the first preference for any life insurance
customer.
The Bancassurance partners of HDFC Standard Life Insurance Co Ltd are HDFC, HDFC Bank
India Limited, Union Bank of India, Indian Bank, Bank of Baroda, Saraswat Bank and Bajaj
Capital.

The various products by HDFC Standard Life include:

INDIVIDUAL PRODUCTS:

Protection Plans
○ Term Assurance Plan
○ Loan Cover Term
○ Assurance Plan

Investment Plans:
○ Single Premium Whole Life Plan
Pension Plans:
• Personal Pension Plan
• Unit Linked Pension Plan
• Unit Linked Pension Plus
Savings Plans:
○ Endowment Assurance Plan
○ Unit Linked Endowment
○ Unit Linked Endowment Plus
○ Money Back Plan
○ Children's Plan
○ Unit Linked Youngstar
○ Unit Linked Youngstar Plus
GROUP PRODUCTS
○ Group Term Insurance
○ Group Variable Term Insurance
 ○ Group Unit Linked Plan
OTHER PRODUCTS
• Rural Products
• Social Development Insurance Plan
• Tax Benefit Schemes
The premium payment options available to the customers vary from online payment to direct
desk payments at the HDFC Standard Life Branches, by courier services or in drop boxes
provided. You can also pay by ECS or Automatic Debit System or credit cards or standing
instruction mandate. HDFC Standard Life Insurance Company is a customer oriented corporation
and aim at complete customer satisfaction.

The lapsation and renewal policy of HDFC Standard Life are clearly defined on the official
website. Online renewal forms are also available. For any change in personal details like the
contact details or the nominee of the policy or policy benefits, online servicing is also available.
Even the claim procedure has been simplified since affect of the loss life is irreparable and is
thus fully understandable at HDFC Standard Life. A completely hassle-free process has been
formulated to provide maximum convenience.

HDFC Standard Life Insurance Co. Ltd

HDFC Standard Life Insurance Company Ltd. is a joint venture between Housing Development Finance
Corporation Limited (HDFC Ltd.), India's leading housing finance institution and Standard Life, UK.

HDFC Standard Life's product portfolio covers a wide range from individual to group products, rural, and
social products. The insurance plans can be easily customized to specific needs. The website has all the
details on all policies in easily-downloaded pdf files to facilitate easy access.

Up until 31 March 2008, HDFC Life had covered close to 10 lakh lives.

HDFC Assurance Plan

To fulfill your dreams for your family and yourself, you need to start saving today. And you not only need to save
enough but also need the assurance that your family’s future is secure. Get the convenience of HDFC Assurance
Plan. HDFC Assurance Plan helps you conveniently build your long-term savings while keeping your family’s future
protected. This ‘With Profits’ savings plan helps you build your long-term savings while securing your family’s future.

Features
 Please roll over your

mouse over circles for explanation.

Advantages
• This plan is a ‘With Profits’ savings plan, which offers the following features

○ The plan receives simple Reversionary Bonuses, which are usually added annually
○ At maturity, the plan pays out the basic Sum Assured plus Reversionary Bonuses declared
during the policy term. Interim or Terminal Bonus may also be payable, if declared

• The plan can be surrendered for cash value before maturity

• Provides financial support to your family by way of a lump sum payment in case of your unfortunate death
within the policy term. The lump sum is the basic Sum Assured plus any bonus additions

• Tax benefit under Section 80C and 10(10D) of Income Tax Act 1961, subject to provisions contained therein

HDFC SimpliLife
You have always believed in living life on your own terms. So why let the changing realities of everyday life
overwhelm you and make your aspirations take a back seat? With our HDFC SimpliLife Plan, you can plan now to
maximise your savings and secure your and your family’s future. It is a convenient plan, which saves you from the
need of going for Medicals. This Unit Linked Plan gives you with an outstanding investment opportunity to maximise
your savings by providing you a choice of thoroughly researched and selected investments.

Features
Please roll over your

mouse over circles for explanation.

Advantages
• This plan provides valuable protection to your family in case you are not around. In case of your unfortunate
demise during the policy term, we will pay the Unit Fund Value plus Sum Assured to your family.

• In the long term, the key to building great maturity values is a low Fund Management Charge (FMC). We
have a low FMC of only 1.25% per annum (of the fund’s value)

• You can choose to pay your premium as either Annually or Half-Yearly depending on your convenience. You
also have a range of convenient auto premium payment options

• You can change your investment fund choices in two ways:

○ Switching: You can move your accumulated funds from one fund to another anytime

○ Premium Redirection: You can pay your future premiums into a different selection of funds, as
per your need

HDFC Standard Life declares results for FY08-09

Businesswire India
Posted: 2009-05-06 09:01:48+05:30 IST
Updated: May 06, 2009 at 0901 hrs IST
Mumbai: HDFC Standard Life, one of India’s leading private life insurance
companies,
declared its annual results for the financial year ending March 31, 2009. The
company
generated Total Premium Income of Rs. 5564.69 crores in FY2008-09
registering a yearon-
year growth of 15%. The growth was primarily driven by the company’s
structured
sales processes based on customer needs and their assessments, wide range
of product
portfolio and diverse distribution network.
Mr. Paresh Parasnis, Principal Officer and Executive Director, said, “The
financial year
2008-09 was a defining year with the unfolding of several unexpected events
- sharp
correction in financial markets and a spread of recessionary trends. These
events also had
an impact on the Indian life insurance industry. We are happy that our new
policies
issued grew by 16% over the last year. However, given the uncertainty in the
overall
scenario, customers have reduced their annual premium commitment on
new policies. At
the same time, existing policies continued to be in force reflected in our
renewal
premium, which posted a healthy growth of 34%.”
In line with overall market conditions, growth in Effective Premium Income
(EPI) in
respect of retail business increased by 5%, growing from Rs. 2,425 crores in
2007-08 to
Rs. 2,552 crores in 2008-09. HDFC Standard Life tracks its New Business
Premium on
the basis of Effective Premium Income (EPI). EPI is calculated by giving only a
10%
value to a Single Premium policy and is an internationally accepted indicator
of an
insurance company’s performance.
HDFC Standard Life maintained its healthy pipeline of products last year by
launching
11 products apart from slashing the premium rates of its Term Assurance
Plan premium
rates by about 25% across different age bands. “Our entry into the health
insurance
market last year with the launch of two products – SurgiCare and Critical
Care was a
significant move in line with our business objective. The low penetration of
health
insurance in India gives us a tremendous opportunity to provide quality
health insurance.
Our health products along our complete range of life insurance and pensions
portfolio
meet almost every aspect of an individual’s requirements,” Mr. Parasnis
added.
Highlights of Financial Year 2008-09
-- Total Premium Income is up by 15% at Rs. 5564.69 crores as against Rs.
4858.56
crores in FY2007-08.

HDFC Standard Life Insurance Company Ltd. is one of India’s leading private life insurance companies, which offers a range
of individual and group insurance solutions. It is a joint venture between Housing Development Finance Corporation Limited
(HDFC Ltd.), India’s leading housing finance institution and one of the subsidiaries of Standard Life plc, leading providers of
financial services in the United Kingdom. Both the promoters are well known for their ethical dealings and financial strength
and are thus committed to being a long-term player in the life insurance industry – all important factors to consider when
choosing your insurer.
Our key strengths
Financial Expertise
As a joint venture of leading financial services groups, HDFC Standard Life has the financial expertise required to manage
your long-term investments safely and efficiently.
Range of Solutions
We have a range of individual and group solutions, which can be easily customised to specific needs. Our group solutions
have been designed to offer you complete flexibility combined with a low charging structure.
Track Record so far
Our cumulative premium income, including the first year premiums and renewal premiums is Rs. 1532.21 Crores Apr-Mar
2005 - 06.
We have covered over 1.6 million individuals out of which over 5,00,000 lives have been covered through our group
business tie-ups.
Established on 14th August 2000, HDFC Standard Life Insurance Co. Ltd. is a joint venture between Housing
Development Finance Corporation Limited (HDFC Limited) - India's leading housing finance institution, and a
Group Company of the Standard Life Plc, UK. The Company is one of leading private insurance companies,
offering a range of individual and group insurance solutions, in India. Being a joint venture of top financial
services groups, HDFC Standard Life has adequate financial expertise to manage long-term investments safely
and resourcefully.
HDFC Standard Life Insurance offers a range of individual and group solutions, which can be easily
personalized to specific needs. Its group solutions have been planned to offer complete flexibility, together with
a low charging structure. As of 31 December, 2008, the Company's new business premium income stood at Rs.
1,839.70 Crores; it has covered over 812,811 lives so far. Given below is a comprehensive list of policies and
products on offer by HDFC Standard Life Insurance: -
Protection Plans:-
• HDFC Term Assurance Plan
• HDFC Loan Cover Term Assurance Plan
• HDFC Home Loan Protection Plan
Children's Plans:-
• HDFC Children's Plan
• HDFC Unit Linked Young Star II
• HDFC Unit Linked Young Star Plus II
• HDFC Unit Linked YoungStar Champion
Retirement Plans :-
• HDFC Personal Pension Plan
• HDFC Unit Linked Pension II
• HDFC Unit Linked Pension Maximiser II
• HDFC Immediate Annuity
Savings & Investment Plans:-
• HDFC Unit Linked Endowment Plus II
• HDFC SimpliLife
• HDFC Unit Linked Endowment II
• HDFC Unit Linked Enhanced Life Protection II
• HDFC Unit Linked Wealth Maximiser Plus
• HDFC Unit Linked Endowment Winner
• HDFC Endowment Assurance Plan
• HDFC Money Back Plan
• HDFC Single Premium Whole of Life Insurance Plan
• HDFC Assurance Plan
• HDFC Savings Assurance Plan
Health Plans :-
• HDFC Critical Care Plan
• HDFC SurgiCare Plan
Group Plans :-
• Group Term Insurance Plan
• Group Variable Term Insurance Plan
• Group Unit Linked Plan - Gratuity
• Group Unit Linked Plan - Superannuation
• Group Unit Linked Plan - Leave Encashment

HDFC Personal Pension Plan

Today, you are busy climbing the ladder of success and realizing your dreams. Today, time is with you. Just take a
moment and think. Will you be able to continue at the same pace? Will your income be the same forever? Will you be
able to live life on your own terms even after you retire? The HDFC Personal Pension Plan is a ‘With Profits’
insurance policy that is designed to provide a post-retirement income for life with the freedom to choose your
retirement date.
Features
Please roll over your

mouse over circles for explanation.

Advantages
• This plan is designed to provide you a post retirement income for life – You can choose your premium, the
Sum Assured and your retirement date. At the end of the policy term, you will receive the Sum Assured plus
any attaching bonuses, which will provide you a post retirement income in your golden years

• On your chosen retirement (Vesting) date, you will get the lump sum comprising the Sum Assured plus any
attaching bonus.
○ You can take up to 1/3rd of your Sum Assured as a tax free cash lump sum
○ The rest must be converted to annuity
○ You can buy the annuity from us or any other insurer

• For Regular Premium Policy, you can choose to pay your premium as either Annually, Half-Yearly or
Quarterly depending on your convenience. You also have a range of convenient auto premium payment
options

• Tax benefits under sections 80CCC of the Income Tax Act, 1961 subject to the provisions contained therein