Investor Presentaiton
Sensitivity analysis
Sensitivity - Scenarios
For the Year End
Base results (INR in Crore)
Reference
rates
An increase of 100 bps in the reference rates
LIC
भारतीय जीवन बीमा निगम
LIFE INSURANCE CORPORATION OF INDIA
Change in Indian
Embedded Value
3/2023
5,82,243
Change in New Business
Margin (Percent)
3/2023
16.2%
(0.2%)
2.6%
Acquisition
expenses
Maintenance
expenses
Persistency
A decrease of 100 bps in the reference rates
10% increase in acquisition expenses
10% decrease in acquisition expenses
10% increase in maintenance expenses
10% decrease in maintenance expenses
10% increase in discontinuance rates
10% decrease in discontinuance rates
(0.0%)
(3.8%)
Not applicable
(0.3%)
Not applicable
0.3%
(0.4%)
(0.5%)
0.4%
0.5%
(0.3%)
(0.5%)
0.3%
0.5%
Mortality/
5% increase (multiplicative) in the mortality/ morbidity rates
(0.1%)
(0.0%)
Morbidity
5% decrease (multiplicative) in the mortality/ morbidity rates
0.1%
0.0%
Taxation
Assumed tax rate increased to 25%
(11.7%)
(2.6%)
Equity
Equity values decrease by 10%
(7.0%)
(0.1%)
Source: Corporation data
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