The Indian Liquor Industry Prohibition Story

EXHIBIT V
COMPARING TERM LIFE POLICIES

INSURER	POLICY	FEATURES
ICICI Prudential	LifeGuard Level Term Assurance	Annual premium of Rs 2,680. Accident and disability benefit rider is available.
HDFC Standard	Term Assurance	Annual premium of Rs 2,920. Accident death benefit, Critical Illness and Accelerated sum assured riders are available.
OM Kotak Mahindra	Term Assurance Plan	Annual premium of Rs 3,700. Permanent disability benefit and critical illness rider are available. The insured can convert the term policy into either money back or endowment policy if there are more than five years before the expiry of the policy.
Birla Sun Life	Term Plan	Annual premium of Rs 3,710. Accidental death and dismemberment and critical illness riders are available.
TATA-AIG	Assurance Lifeline Plan	Annual premium of Rs 4,550. Accidental death and dismemberment rider is available.
Allianz Bajaj	Risk Care	Annual premium of Rs 4,830. four plans are available to consumer to choose from – economy, protect, health care and total. Accidental permanent total/partial disability benefit, waiver of premium, critical illness and hospital cash riders are available.
LIC	Anmol Jeevan	Annual premium of Rs 2,813. The plan offers less than two-year temporary insurance provision and it can be converted to whole life or an endowment insurance plan after 5 or 7 years.
* Illustration for a Rs 10 lakh cover for a 30-year-old healthy male for a 20-year term.

Source: www.biz.yahoo.com

ADDITIONAL READINGS & REFERENCES:

1. Bose Jayshree, A Rocky Road Ahead, Financial Express, December 25, 1999.
2. Jagannathan Venkatachari, LIC Awakens, Shrugs at New Competition, www.domain-b.com, November 26, 2000.
3. Jayaram Anup & Dhawan Radhika, Free at Last, Business World, November 13, 2000.
4. Suthanan Madhu, Changing the Face of Indian Insurance, Financial Express, April 13, 2000.
5. Jagannathan Venkatachari, It's War Out There, Or is it?, www.domain-b.com, October 18, 2001.
6. Sen. K. Sarbajeet, Vast Potential, More Players, Frontline, January 5, 2002.
7. Kumar Manoj, More Options in Life Insurance, The Tribune, March 18, 2002.
8. Ramesh. M, Aviva Life Kicks Off With Seven Products, Business Line, June 20, 2002.
9. www.watsonwyatt.com
10. www.insuremagic.com
11. www.indiainfoline.com
12. www.bimaonline.com
13. www.expressindia.com
14. www.responsiveservice.com
15. www.economictimes.com
16. www.biz.yahoo.com
17. www.easylifeindia.com
18. www.myiris.com
19. www.knowledgedigest.com