Reimagining Growth with Resilience

Addressing customer needs at every stage of life <25 years Objective Simple Savings 25-35 years Borrowing 36-50 years Investments 50+ years Asset Drawdown Pay off mortgage Retire Medical care Needs First Job Medical care Get married Plan for retirement Medical care Medical care Buy new car Child's education Buy Home Product Offerings Product mix across age categories¹ Risks Addressed Mortality Morbidity Net Worth Longevity Interest Rate Profitable distribution Diversified leading Market- growth insurance Reimagining Quality of mix innovation management Board and 27% 20% 28% 34% 37% 32% 6% 1% HDFC 2% 13% Life UL 35% 30% Par 34% 29% Non par 27% 30% savings Protection 4% 11% Annuity 0% 0% 16 1. Based on Individual WRP for 12M FY22; Percentages may not add up due to rounding off effect

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