Journey Simplification and Business Resilience

50+ years Risks Addressed Asset Drawdown Addressing customer needs at every stage of life <25 years 25-35 years Objective Simple Savings Borrowing 36-50 years Investments Needs Product Offerings Pay off mortgage Retire Medical care First Job Medical care Get married Plan for retirement Medical care Medical care Buy new car Child's education: Buy Home Product mix across age categories¹ Mortality i Morbidity Net Worth Longevity Interest Rate Profitable distribution Diversified growth leading Market- Quality of insurance Reimagining mix innovation management Board and 28% 19% 27% 35% 36% 31% 7% 1% HDFC 2% 14% Life UL 38% 31% Par 32% 28% Non par 25% 28% savings Protection 5% 12% Annuity 0% 0% 15 1. Based on Individual WRP for H1 FY22; Percentages may not add up due to rounding off effect

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