guidance of. Miss. Sunita khachroo for the partial fulfillment of the
MD.
Arif khan
Reg No.-35084061
throughout the project report. It would not have been possible for me to
2
DR. N.K. SINHA (HEAD OF DEPARTMENT,) for their valuable contribution, co-
operation and guidance from time to time for completion of this project.
Last but not the least I would like to thank my parents, friends, Colleagues and
the staff of ICICI Prudential Life Insurance Company Ltd. New Delhi,
Who directly or indirectly help me during the course of project without which
3
PREFACE
People are a company’s most important assets. They can make or break the fortunes of a
business. In today’s highly competitive business environment placing the right people in the
right position is very critical for the success of any organization.
The recruitment and selection decision is of prime importance as it is the vehicle for obtaining
the best possible person-to-job fit that will, contribute significantly towards the Company's
effectiveness. It is also becoming increasingly important, as the Company evolves and
changes, that new recruits show a willingness to learn, adaptability and ability to work as part
of a team. The Recruitment & Selection procedure ensures that these criteria are addressed
In this project I have studied Recruitment and Selection process of ICICI Prudential Life
Insurance and attempted to provide some ways so as to make recruitment more effective and to
reduce the cost of hiring an employee.
I am privileged to be one of the students who got an opportunity to do my training with ICICI
Prudential Life Insurance. My involvement in the project has been very challenging and has
provided me a platform to leverage my potential in the most constructive way.
4
ICICI Prudential Life insurance is one of India's leading financial institutions offering
complete financial solutions that encompass every sphere of life. In a short span of time,ICICI
has set an example by having a steady and confident journey to growth and success.
During the training period I have studied deeply the process of hiring in ICICI Prudential Life
insurance and did a SWOT analysis of ICICI Prudential Life Insurance to find out the existing
shortcomings and potential threats and thereby recommended suggestions.
I would be delighted to receive reader’s comments which maybe valuable lessons for my
future projects.
5
EXECUTIVE SUMMARY
Like in the case of BPO’s, Insurance sector too faces the problem of attrition. Thus,
recruitment is an ongoing process carried through out the year. The project is based on the
study of recruitment process. The various recommendations suggested have been the result of
the study. The idea is to generate ways of dealing with high attrition and making hiring process
manageable and efficient.
Data Used
Primary data:
• Survey method
• Personal interview with candidates
• In depth conversation with the placement agency
Secondary data:
Thus the whole research would be done under the guidance of external guide. It will also
involve recruitment and selection processes, reading the material provide internally by the
organization, information from the new employees.
8
INTRODUCTION
Basically concept selling as same as any tangible product, but only different is that product
is service and not tangible and we have to sell the concept. IN ICICI Prudential, concept
making the people aware of benefits they get from the company while working for it and
also making them known about the products i.e. Insurance Plans in the portfolio of the
The reason for selection this particular topic for the project is due to the tremendous
growth that is taking lace in the insurance industry. Also the job was challenging as I was
getting an opportunity to work with a leader in the industry, this will provide a platform to
9
6.1.2 Importance of Company:
The basic objective of the project was to appoint the new financial advisor for the
company, in more precise words it is the expansion of the company the new financial
This study will help the company in being known the mind set of the people to
become a financial advisor, as well as the constraints while joining the company as a
financial advisor.
I learnt how the insurance company works, what are the channels of distribution and
Company.
10
6.2 Theoretical Background:
6.2.1 SERVICES:
Services from major part of day today life. Today services sector is the fastest growing
sector in almost every countries economy. Services are the intangible product which are
attached to either the provider that is producer or the service receiver i.e. the customer who
6.2.2 DEFINSTION:
“Any act or performance that one party can offer to another that is essentially intangible
and does not result in ownership of any thing. Its production any or may not be tied top a
physical product.”
“Activities, Benefits, or Satisfaction, which are offered for sale and provided in
11
6.2.3 CHARECTERISTICS OF THE SERVICES:
◙ Inconsistency: The quality of service can differ from one service provider to another
service provider. Also may form one service encounter to another even for the same service
provider.
◙ PERSONAL ABILITY: Services are not the physical objects therefore can’t be stored.
simultaneous.
◙ NATURE OF DEMAND: The demand for the service in the market is always
fluctuating.
1. Strategy.
12
2. Structure.
3. System.
4. Styles.
5. Staff.
6. Skills.
7. Shared values.
and agencies involve in the process of making the product or services available to
customers. They are the intermediaries and also known as the middleman. Producers of
services also need to think about the channels of distribution, which can make their
inseparability, etc. Therefore mostly the direct channel i.e. zero level is used in this case
the provider directly sales his services to customers. However some service provider makes
take help of the agents who can provide information of the customers, book the order and
collect the payment on behalf of the service providers. In any casa channel length does not
exceed one level. Some big and reputed service provider train the individuals to perform
service and franchise their services e.g. Employment agencies, travel agencies etc.
EXAMPLES:
13
1. Service provider-customer: Zero level.
Following are the key services industries in India and their growth potentials:
1. Insurance:-
India is not recognized as a first emerging market for a insurance. The Indian
the GDP. With the passing or IRDA act in 2000 the insurance market in India has been
open to privet sector. As a result as many as 34 insurance companies entered the market;
in collaboration with foreign companies by end of 2002-2003 the market has now become
2. Transport:-
14
Heavy investments are made in means of transport like railways, waterways and
airways. There is need to develop infrastructures, modernize buses and train, aircrafts,
3. Telecommunication:-
teledensity in India was abysmally low compared to other countries the teledensity in
India was only 1.89 by the end of 2002. Telecommunication has tremendous growth
potential. The rapid growth in cellular, radio paging, value added services, internet and
4. Software:-
Computer software is the thrust area in growth plan of India economy. The
focus is to develop the industry for export as well as for domestic needs. Thus
5. Electricity:-
The government of India has taken up mission 2012 with an object of providing
power for all. A comprehensive plan has been developed to address all the problem’s
15
being confronted by sector. With these initiatives being taken for the growth of the sector,
6. Postal services:-
spite of the financial impediments. Competition from courier and other services
companies is becoming more intense day by day. However, the department has no parallel
challenge in terms its huge network con connecting every part of India.
7. Tourism:-
Tourism is dynamic field and is subject to constant changes cause by the consumers as
well as social treads. One of the reasons identified for the slow growth of sector in India is
the lack of professionalism in the marketing tourism services. Hence strategy approach in
8. Banking
Indian banks have a gigantic task of striking of appropriate balance between banking
operations of international standard and commitment and social welfare there is a need to
reset social .economy objective in the larger interest of the nation by taking into
16
diversification product innovation asset and liability mismatch increased business risk,
9. Healthcare:-
The entry of the corporate sector has brought in dynamic shift in healthcare services.
Having an assured growth in demand due to the increasing population, rise in the
conditions, and the health care sector has prospects of high level growth.
10. Education:-
The liberal financing by banks and other financial instructions, further facilities the
growth of this sector. In spite of several impediments such as school drops out’s,
infrastructure constraints quality variations lack of proper vision, financial problems for
public institution and universities, the sector is set to reach new heights each year.
17
6.4. INSURANCE
In this age of uncertainties nothing can be called as safe, a small accident can end our life
business home vehicle therefore it is necessary to insure the things including our life so that
if incident occurs the loss can be reimbursed .insurance is a promised given by one to
another where by the promissory undertakes to pay a sum of money to the promise on the
Types of insurance:
• Car insurance.
• Health insurance.
• Burial insurance.
• Business insurance.
• Disability insurance.
Life insurance is promise to perform in future when the obligation is met i.e. the insured
event takes place ,the money ,whose presence can be felt replaces the promise his helps the
insured person or in case of his death his dependences will get the assured amount of
Life insurance is a personalize service oriented industry, therefore providing the service
that should match the needs and wants of the customer should be a basic objective of life
19
3. Market services to the customer for whom they where researched and designed at
profit.
20
Identify the customer’s
future needs
Determine the
premium for each plan
Policy servicing developed
Opening of
branches, Personal selling
appointing agents through agents;
and development Advertising
officers
6.6 AGENT
21
An agent is an intermediary who acts on behalf of the service principle and is
authorized to make agreement between the customer and the service provider or
principal. Agent does not take title to services but instead deliver the right to
them. They have legal authority to market the services as well as to perform
TYES OF AGENT:
evaluating and making purchases for them they are knowledgeable and
services and prices available. E.g. agents hired by company to find art,
22
COMPANY PROFILE
ICICI bank is India’s second largest bank with an asset base of Rs. 2513.89
billion
23
As on march 31, 2006.ICICI bank provides a broad spectrum of financial
services to indices and companies. This includes mortgages, car and personal
loans, credit and debit cards, corporate and agricultural finance the bank
services a growing customer base for more than 17 million customers through
counters, 2200 ATMs, call centers and the retail customers through a Varity of
management and information Technology, ICICI banks equity shares are listed
Exchange and The National Stock Exchange of India Ltd. and American
Depositary Receipts (ADRs) are listed on The New York Stock Exchange
(NYSE).
its businesses in the UK and Europe, the US and Asia, provides retail financial
services products that now includes life assurance, pensions, mutual funds,
leading European life Insurance Company with a vast network of 23 life and
1. China.
2. Hong Kong
3. India.
4. Japan.
5. Korea
6. Malaysia.
7. Philippines.
8. Singapore.
9. Taiwan.
10.Indonesia.
11.U.K.
25
26
7.3 JOINT VENTURE ICICI PRUDENTIAL
ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier
financial powerhouse, and Prudential PLC, a leading international financial services group
headquartered in the U.K. ICICI prudential was amongst the first private sector insurance
companies to begin operations in Dec. 2000 after receiving approval from Insurance
ICICI Prudential’s capital base stands at Rs. 1335 Crores with ICICI Bank and Prudential
PLC holding 74% and 26% stake respectively. For the year ended March 31, 2006, the
company garnered Rs. 2,412crore of weighted new boniness premiums and wrote 837,963
ICICI Prudential is also the only private Life Insurer in India to receive a national Insurer
Financial Strength rating of AAA (Ind.) from Fitch rating. The AAA rating ids the highest
rating, and is a clear assurance of ICICI Prudential’s ability to meet its obligations to
For the past five year, ICICI Prudential has retained its position as the No. 1 private Life
Insurer in India, with a wide range of flexible products that meet the needs of the Indian
customer at every step in life. ICICI Prudential has one of the largest distribution networks
amongst private Life Insurers in India with network of over 83,000 advisors, and having
27
commenced operations in 207 cities and towns in India, stretching from Bhuj in west to
ICICI Prudential was registered on Nov. 24, 2000. with registration No. 105.
Board Of Directors
The ICICI Prudential Life Insurance Company Limited Board comprises reputed people
Mr. H T Hong
Mr. R Narayanan
28
Management Team
29
7.4 PRODUCT LINE
ICICI Prudential is currently having a wide range of products which could meet the
existing demand of the customer this products are the various plans which are flexible in
nature which can be enhanced with up to 6 riders to provide a customized to each policy
holder.
• Cash Bak is an anticipated endowment policy ideal for meeting milestone expenses
like a child’s marriage, expenses for child’s higher education or purchase of an asset.
• Lifetime Super & lifetime plus are unit –linked plans that offers customers the
flexibility control to customize the policy to meet the changing needs at different life
stages. Each offer 4 fund functions: Preserver, Protector, Balancer and Maxi miser.
• Life link Super is a single premium unit linked insurance plan which combines life
30
• Premier Life Gold is a limited premium paying plan specially structured for long-
• Invest Shield Life new is a unit linked plan that provides premium guarantee on the
investment premiums and ensures that the customer receives only the benefits of
• Invest Shield Casbak is a unit linked plan that provides premium guarantee on the
PROTECTION SOLUCTIONS
• Lifeguard is a protection plan, which offers life insurance covers at very low cost.
Itis available in 3 options: Level term assurance, Level term assurance with return of
• Home Assure is a mortgage reducing term assurance plan designed specially to help
31
CHILD PLANS
• Educational insurance under the Smart Kid brand provides guaranteed educational
benefits to a child along with life insurance cover for parent who purchases the
policy. The designed to provide money at important millstones in the child’s life.
Smart Kid plans are also available in Unit-linked form, both single premium and
regular premium.
RETIRMANT SOLUCTION
• Forever life is a traditional retirement product that offers guaranteed returns for the
HEALTH SOLUCTION
• Health Assure and Health Assure Plan : Health assure is regular premium plan
which provide long term cover against 6 critical illnesses by providing policyholder
with financial assistance, Irrespective of the actual medical expenses. Health Assure
• Cancer Care: is a regular premium plan that pays cash benefits on diagnosis as well
• Group Gratuity Plan: ICICI Pru’s group gratuity plan helps employers fund their
statutory gratuity obligation in scientific manner. The plan can also be customized to
structure schemes that can provide benefits beyond the statutory obligations.
• Group Superannuation Plan : ICICI Pru offers both defined contribution (DC)
defined benefits (DB) Superannuation schemes to optimize returns for the members
of the trust and rationalize the cost .members have the potion of choosing from
various annuity options or opting for a partial commutation of the annuity at the
time of retirement.
managed by us.
• Group Term plan: ICICI pru’s flexible group term solution helps provide
33
ICICI pru life offers flexible riders, which can be added to the basic policy at a marginal
• Accident of disability benefit; if death occurs as the result of an accident during the
term of the policy, the beneficiary receives an additional amount equal to the rider
sum assured under the policy .if the death occurs while traveling in an authorized
mass transport vehicle. The beneficiary will be entitled to twice the sum assured as
additional benefit.
• Critical illness benefit: protects the insured against financial loss in the event of
9specified critical illnesses, benefits are payable to the insured for medical expenses
prior to death.
• Income Benefit: This rider pays the 10 % of the sum assured to the nominee every
year, till maturity. In the event of the death the life assured. It is available on smart
• Waiver of premium: in case of total and permanent disability due to an accident, the
future premiums continue to be paid by the company till the time of maturity. This
rider is available with life time super, life time super pension and cash plus.
34
Market Shares of Insurance Companies in India
► VISION:
To make ICICI pru the dominant life and pension layer built on trust by world class
1. Understanding the needs of the customer and offering them superior products and
services.
35
4. Providing and enabling environment to faster growth and learning for our employees.
► VALUES
values.
1. Integrity.
2. Customer first.
3. Boundary less.
4. Ownership.
5. Passion.
6. Each of the above values described what the company stands for, the qualities of our
► ACHIVEMENTS:
36
1. The New Delhi branch office stood 8th, in terms of its business achievements,
Assistant Sales
Channel Development
Manager
Manager
Agency Manager
Unit Manager
Assistant Unit
Manager
38
INDUSTRY PROFILE
8.1 INSURANCE
39
In today’s era everything is too uncertain. A small accident can put to end of our vehicles,
business, home or perhaps a life too. So apart from saving money and investing into
different ways insurance should from a major part of our financial planning. Insurance is
nothing but, a promise to perform in future. It is a guarantee giving by one to another where
by the former undertakes to pay a sum of money to the latter on the happening of the event
insured against.
Life insurance can be termed as a device or a plan of compensating a financial loss over a
large number of people, which is too heavy to conveniently born by an individual. It seeks
to reduce the financial uncertainties which can arise from an old age or death of person.
Basically the insurance was started by the Greeks and Romans, were in case of a death of a
member the cost of burial was contributed by the other members of the community. This
In seventeenth century, Tontine Annuity system came into existence where as associations
of individuals were formed without any consideration of age. A fund was created in which
each member contributed equal sum of money this fund was invested and at the end of each
year the obtained interest was equally divided among the survived. The person who
survived to the last received the interest as well as the principle amount.
40
The first insurance company was formed in 1759 in Philidelphi, North America. Since then
over the past three centuries numbers of insurance companies are formed. And today
insurance is the fastest growing industry in the service sector because people have accepted
In India the insurance business started in the beginning of the 19th century.
Marine insurance was the earliest form of insurance that was transacted in India.
the India mercantile insurance company was established as the first company of
in 1956 by taking over 245 private insurance businesses. The General Insurance
Corporation (GIC) was established in 1972 by taking over the business of 107
insurers.
income of people better standards of living coupled with rise in uncertainties. Life is at risk
(PROVISIONAL)
M KOTAK MAHINDROM
2 KOTAK MAHINDRA 1.48 0.24
IRDA
43
IRDA refers to Insurance Regulatory Development Authority. It is formed to
regulate and develop the insurance sector. It keeps check on the activities of the
various Life Insurance companies. All these companies are bound to follow the
9.1 MISSION:
To protect the interests of the policy holders, to regulate to promote and ensure
orderly growth of the insurance industry and for matters connected there with or
44
9.2 DUTIES, POWERS & FUNCTIONS OF IRDA
Section 14 of IRDA act, 1999 lays down the duties, powers and functions of
IRDA.
1) Subject to the provisions to this act and any other law for the time being
Promote and ensure orderly growth of the insurance business and re- insurance
business.
section (i) The power and function of the authority shall include =
g. Levying fees and other charges for carrying out the purpose of this
act;
46
insurance business not so control and regulated by the tariff advisory
insurance intermediaries;
47
q. Exercising such other powers as may be prescribed.
IRDA has laid down qualification to be an agent for any of the insurance
other places the applicant should satisfy the minimum educational qualification
2. He has to pass the pre – requisite test which is conducted by the insurance
48
5. Applicant is living in a resident where the population is 5.000 or above as
per the last census in that case. He must have qualified his 10+2 or
equivalent.
RESEARCMETHODOLOGY
49
10.1 MARKETING RESEARCH
DEFINATION
model building and fact finding for the purposes of decision making of goods
and service”
MEANING
50
a. Marketing research is systematic activity carried out in pursuit of truth
b. It is a purposive investigation.
knowledge.
2. To hire the new financial advisor for the company so that the business of the
51
I choose New Delhi city for my project work-
The scope of project was all about recruiting the financial advisors for the company on
commission basis. I was suppose to generate the leads then meet those people, telling them
the concept of financial advisor and convincing them to join the company and finally get
In random sampling methods, the sample units are selected at random. Random
sampling follows a precisely specified system where there is no scope for biased selection
SAMPLE PLAN
CENSUS SURVEY: - Data is collected from each and every unit in the population; it is
UNIVERSE:- Universe sampling accounts for no. of sample size upon which project data
has been collected here to gather that data my sample size was 100 which is universe
sample size.
1. Questionnaires
2. Personal Interviews.
53
• Simplicity: the Questionnaire should very simple to understand that is the language
used should be easy and understandable. So that the person who is about to fill it can
• Briefness: The Questionnaires should very brief that is possibly low number of
• Clearness: Questions should be cleared and be possibly open ended to save time of
Personal interview is mostly commonly used method of data collection. Two purposive
obtaining and recording information pertinent to the subject matter of study. The
interviewer resents oral, verbal and written stimuli and receives oral resonances.
Interview may be used as the main method of data collection, or may be used as a
People are more willing to speak rather than write. It also provides an opportunity to note
54
10.10 FIED WORK:
I visited various places like Cannought place, Nirala Bazar, Osmanpura, Jyoti Nagar, etc.
an meet the shop keepers, housewives, student etc. I gave them information about the
concept. I got the questionnaire forms filled the people. People who were interested in
becoming financial advisor were supposed to fill the form and pay Rs. 1,000/- as their
training fees. My job was getting these people motivating them and gets them to my unit
manager.
2. People don’t listen and pay attention to the things they are not interested in
3. People don’t like to fill the questionnaire because of the mind set against the surveys.
55
LIMITATIONS
56
LIMITATIONS
1. Since the duration of the project training was less it was difficult to study
advisor.
very narrow, usually they hesitate in giving their personal information &
57
3. People are not ready to undergo the practical training of 100Hrs.
DATA ANALYSIS
58
ANALYSIS OF THE QUESTIONNAIRE:
The Questionnaire was designed to obtain personal information of the person as well as
This question was asked to person I order to know whether he have some knowledge about
the insurance product. Following was outcome observed after asking this question 200
people.
59
TABLE 5.1
LIC 80 80 %
ICICI 30 30 %
BAJAJ 20 20 %
HDFC 15 15 %
OHERS 5 5%
NO POLICY 10 10
Graphical Representation:
80 80
70
60
50
40
30
30
20 20
15
10
10 5
0
LIC ICICI BAJAJ HDFC OHER NO POLICY
Observation: It is being observed that 80 % of the sample populations are having their
60
2.1) Are you an agent of any of the insurance company?
a) Yes [ ] b) No [ ]
This question asked to make whether the targeted person can become our prospect or not.
TABLE 5.2
Yes 20 20%
No 80 80%
20%
Yes
No
80%
Observation: this shows very low sample population is aware of this business of an
insurance agent and a very few of them are prepared to be an insurance agent.
61
ii) If ‘Yes’ which of following company you are working for?
The above question helped in getting the information about the brand awareness
of the different insurance companies present in the market and also people’s
10% 0%
10%
LIC
ICICI
BAJAJ
HDFC
20% 60% OTHERS
62
Observation: The graph indicates that large portion i.e. 60% is working for LIC
and at second number ICICI PRUDENTIAL with 20% is there as BAJAJ and
HDFC (with 10%) are having low number of people working for them.
a) Yes [ ] b) No [ ]
This question is asked to know about the sales related experience of the person
so that his communication skills and knowledge about selling anything can be
judged.
Table 5.4
Yes 60 60 %
No 40 40 %
40%
Yes
No
60%
63
Observation: It is observed that nearby 40 % of the people I met had sales
related experience as most of them are self employed and having their own
4) Are you interested in being / getting more information about financial advisor?
a) Yes [ ] b) No [ ]
64
30%
Yes
No
70%
Observation: It is being observed that 30% of the total sample population said
that they would like to know about the company and it’s Advisor.
This question helps in determining the future step to be undertaken to make the customer
know about the concept and convincing him to join the company. The outcome for this
question was:-
65
10%
Personal Visit
Telephone
90%
interaction because they feel it id effective and it helps them in resolving their
OTHERS:-
1. Educational Qualification:
This question helps in knowing the level of knowledge and understanding of the person.
66
TABLE 5.7
10th Passed 5 5%
10+2 Passed 35 35 %
Graduation 50 50%
Post Graduation 10 10 %
35%
10thPassed
10+2 Passed
Graduation
Post Graduate
50%
5%
10%
Current Occupation:
67
The objective behind this question is to determine the interest of the person in
doing the business for the company and if is joins company how much time he
Student 20 20 %
House wife 25 25 %
TOTAL 100 100 %
25%
Self emloye
Salaried
Student
50% House Wife
20%
5%
market place. While only 5 % people I met are the salaried person, 20 % are
68
3. Rejections:
Even after people are willing to join the company and do certain rejections come due to
different reasons but the main reason was time constraint as people are too busy that they
can not afford time for 100 hrs training and to certain extend money is a problem especially
for the students who wanted to join the company as a financial advisor.
89 % rejections were there due to time constraint. People who are self employed are
busy enough with their work. So they do not have sufficient time to spare for training
process. Even the housewives and the jobbers are busy with their work so they find it
To register for being a Financial advisor applicants need to pay a sum of Rs.1000/-
some people find it difficult to pay at single time. Also people have a mindset that if
they fail in getting the customers these entire sums have to paid will be waste. Nearly
69
Table 5.9:
constraint
Rejection due to money 3 11.11%
constraint
Total 27 100%
89%
11%
company and undergoing the practical training. While only 11% of the people find money
70
FINDINGS
&
SUGGESTIONS
Prudential can have installment facility for such people so that they can
pay in lots.
they can opt for either classroom training or Internet training as per their
3. The company can grab more and more customers. If it has image of first
Advisor.
4. The company can go for outsourcing its business, to take proper care of
its exiting customer and obtain new prospect to expand its business.
72
73
CONCLUSION
CONCLUSION
At ICICI prudential Life Insurance Company Ltd. New Delhi. I observed very
profit making company and gradually the demand of the product is also
increasing.
75
BIBLIOGRAPHY
BIBLIOGRAPHY
Books:
Publication House.
Peatson Education
References:-
Websites:
1. www.irdaindia.org
2. www.iciciprulife.com
QUESTIONNARIES
Dear sir/mam
77
I m a student of SRM-IST, For Higher Education, Modinagar an presently I
m doing a market survey consumer behavior about life insurance. I request you to kindly
fill the questionnaire below and I assure you that the data generated shall be kept
confidential.
a) 18 to 25
b) 25 to 35
c) 35 to 45
d) Above 45
a. Yes
b. No
----------------------------------------------------------------------------------------
4) Do you pay tax?
a. Yes
b. No
a. Insurance
78
b. NSE
c. Bonds
d. PPF
e. PF
f. EPF
a. Fixed assets
b. Bank deposits
c. Government securities
d. Shares
e. Insurance
f. Jewellary
b. Security
c. Tax saving
b. Tax deduction
c. Future investment
79
c. Easy access to agent
d. Lower premium
e. Company Reputation
a. Life insurance
b. General insurance
c. Both
a. A saving tool
a. Fully satisfied
b. Satisfied
d. Dissatisfied
b. Satisfied
d. Dissatisfied
a. A trusted name
c. Good plans
d. Accessibility
a. Yes
b. No
a. Yes
b. No
c. Uncertain
Personal detail
Name: -------------------------- ---------- Age: ------------------------
Occupation: ---------------------------------------------
City: …………………………… Contact No. : ---------------------
Address: --------------------------------------------------------------------------
Regard
Rahul Pratap Singh
81
Mo. +919760262570
82