Multi-Pronged Risk Management and Protection Philosophy

Segment wise average term and age¹ Average Policy Term excluding annuity (Yrs) Q1 FY22: 24.0 (Q1 FY21: 25.7) UL 13 14 41 Par 39 Non-par Health 26 24 12 Non-par Savings 12 22 Non-par Protection 39 40 Non-par Pension 12 11 Q1 FY22 Q1 FY21 Average Customer Age excluding annuity (Yrs) Q1 FY22: 36.0 (Q1 FY21: 34.2) 36 UL 33 33 Par 33 33 Non-par Health 32 37 Non-par Savings 35 Non-par Protection 33 34 Non-par Pension 34 54 56 Q1 FY22 Q1 FY21 Focus on long term insurance solutions, reflected in terms of long policy tenure Extensive product solutions catering customer needs across life cycles from young age to relatively older population 53 1. Basis individual new business policies (excluding annuity) HDFC Life

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