20200716 max newyork life insurance
TRANSCRIPT
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MAX India Limited
A Multi Business Corporation
Focused on Service Oriented Business
- Life Insurance
- Healthcare
Investments of Rs. 350 Crore in Life Insurance Business
Top 200 Most Valuable Companies in India (Business India ,Oct. 2005)
Business World Magazines Survey, "Great Workplaces In India".
120 Companies that took part in the survey, We are in 20th Position.
Partnership with the most respected names in the world..
Healthcare Services : Harvard Medical Institute, USA
Life Insurance : New York Life International, USA
Communication Services : Lockheed Martin Global Telecommunications, USA
IT Enabled Services : Mind Crossing Inc. , USA
Mobile Telephone Services : Hutchison Telecommunications ltd. , Hong Kong
An ISO 9001 : 2000 Certified company
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NEWYORK LIFE Insuring Millions of Lives all over the Globe, for over 162 Years
Providing Insurance Solutions Since 1845
Strongly Rooted in the Commitment of ..
* Financial Strength,
* Integrity
* Humanity
Has Never Failed in its Commitment to Deliver to its Policyholders despite having
Hit by World Wars, Famine, Drought and even the Great Depression
Ranked 68 on Fortune 100, ahead of Coca Cola , Microsoft & McDonalds
Ranked 2nd in Fortunes Global list of
Most Admired Life Insurance Companies
Assets under Management US $ 201 Billion (Rs. 8,90,456 Crores)
Annual Revenues US $ 25 Billion
Annual Surplus & Reserves US $ 11 Billion (Rs. 50,000 Crores)
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FORTUNEFORTUNE2006 : GLOBAL MOST ADMIRED COMPANIES
INSURANCE : LIFE & HEALTH
Industry RankIndustry Rank CompanyCompany Overall Score 2006 Score 2005 Rank Overall Score 2006 Score 2005 Rank
1). Northwestern Mutual 7.38 7.23 1
2). New York Life 7.25 7.05 2
3). Prudential Financial 7.06 6.81 3
4). TIAA-CREF 6.62 5.90 --
5). ING Group 6.27 6.32 5
6). MetLife 6.24 6.46 47). AXA 6.18 6.03 68). Aegon 5.67 5.80 7
9). Meiji Yasuda Life Insurance 5.57 4.62 14
10). Dai-ichi Mutual Life 5.52 4.65 13
11). Nippon Life Insurance 5.51 4.87 11
12). Sumitomo Life Insurance 5.20 4.82 16
13). Prudential PLC 5.17 4.79 8
14). Aviva 5.02 4.64 915). CNP Assurances 4.82 4.50 --
16). Assicurazioni Generali 4.75 4.67 15
From The March 8,2006 Issue
An ISO 9001: 2000 Certified Company
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International Presence North America
All 50 states
Latin America
Argentina (a JV)
Mexico
Asia Pacific JVs
India
Indonesia
Thailand
China
The Republic of South Africa
Cost-Ricca
Wholly Owned Subsidiaries
Hong Kong
Philippines
Taiwan
South Korea
Representative offices
Vietnam
Global Presence
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New York Life, has insured the livesof as many as 9 US Presidents.
Richard Nixon (1913-1994)
Franklin D. Roosevelt (1882-1945)
Herbert Hoover (1874-1964)
Calvin Coolidge (1872-1933)
Warren Harding (1865-1923)
Theodore Roosevelt (1865-1923)
William McKinley (1843-1901)
Benjamin Harrison (1833-1901)
James Garfield (1831-1881)
The CompanyWe KeepThe CompanyWe Keep
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A Partnership between Max India Limited & New York Life International
Built on the Foundation of
Financial Strength & Integrity
Solidity & Knowledge
Excellence & Caring
Honesty & Team-Work
Vision : To Be The Most Admired Life Insurance Company in India
Wide Distribution Network with 105 Offices across 75 Cities in India
Market Leader in ULIP & L.P.P Policies
Max New York Life has sold over 11,75,000 Individual Policies
Sum Assured of over - Rs. 29,146 Crores
Annual First Year Premium - Rs. 764 Crores
Total Income - Rs. 995 Crores
Total Reserves - Rs. 575 Crores
Total Expense - Rs. 335 Crores
Total Claims in 2005 - Rs. 11 CroresAn ISO 9001 : 2000 Certified Company
MaxNew York Life
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THE CONTROL STRUCTURE
Government of India[Various Ministries]
Defence Home FINANCE Railways Health
SEBI IRDA RBI
(Shares & Equities) (Autonomous Body Responsible [ Banking Sector]
[Private & Public Sector] to The Parliament)
[Insurance Sector]
Life Insurance General Insurance
LIC ICICI BAJAJ MAX BIRLA OMKOTAK ETC.
PRUDENTIAL ALLIANZ NEW YORK LIFE SUNLIFE MAHINDRA
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Our Investments We Invest only in Government Securities, Treasury Bills,
AAA & AA+ related Securities.
MNYL Invests only in Safe & Secure Debt Investments.
State & CentralGovernment Securities.
Not less than 50%
Infrastructure and SocialSector. Not less than 15%
Others governed by exposure norms
Not exceeding 35%
(Rating: Sovereign)
(Investments allowed inthe Stock Market)
Government Securities
Rating: Sovereign
71% Infrastructure and Social Sector
Rating: AAA/ AA+
18%
Nationalized Bank / Corporate
Paper / Mutual Funds
Rating:AAA
11%An ISO 9001 : 2000 Certified Company
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ROLEOF
INSURANCEREGULATORY & DEVELOPMENTAUTHORITY (IRDA)
Qualifications for Companies to be Registered as Insurer Under : IRDA
* Detailed Scrutiny of The History,Financial Strength,Infrastructure,Performance of each Company* Qualification Criteria's laid down for entering into Insurance Sector
* License Fees = Rs. 100 Crore to be deposited
* Joint Venture = Indian Partner (74%) and Foreign Partner (26%)
Staff Appointment :
* IRDA Clearance must for The Appointment of CEO/MD,Whose Past Performance,Reputation Checked
* Appointment & Termination of Actuaries
Product :
* Design, Modification etc. can be done only with IRDA Approval* Capable of Running even If Company Dissolved / Taken over by Other Company
Investment Norms :
* >=71% in Govt. Securities, = 18% in Infrastructure,
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Tax Benefits
Tax Exempt is available on the Premium Paid
u/s 80(c) Limit Rs. 1 Lakh
Bonus, Sum Insured and Cash Value is fully Tax
Exempt - u/s 10(10D)
Under Business Insurance (Key Person / Partnership
/ Emp-Employee / CEIP / HUF / MWPA) all
Premiums Paid exempt - u/s 37(1) D.
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Human LifeValue
Biggest Assets: Ability to earn a living
Age 25 years Annual Income Rs. 5 lacs
Retirement age 60 years Total earnings - Rs. 1.75 crores
andare insured to their
full replacement
value
ARE YOU??
Your
You're worth a fortune to your loved ones, if you live, but what if
something unexpected happens to you? How much life insurance is
enough?
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Liability Curve
BIRTH
CHILDRENS
EDUCATION
HOUSING
KIDS
MARRIAGE
COLLEGE
RETIREMENT
CHILDRENS
MARRIAGE
LIABILITIES
AGE
What are Your Priorities?
Capital Accumulation
Family Income Protection
Educational Needs
Retirement Income
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Investment Pyramid
Speculative
Securities
SPECULATIVE
INCOME
INVESTMENTS
Shares and Bonds
Real Estate investments
GROWTH INVESTMENTS
Pension Plans
Deposits, Home
LONG TERM ACCUMULATIONS
Emergency Funds3-6 months income
Bank Savings
SHORT TERM SAVING
Home and Life Insurance + ULIP (15 %)
BASIC SECURITY NEEDS
Insurance Needs
Calculator: Two
quick estimators
6-8 times your
Annual Salary
5 times salary +
debt + mortgage +
college funding
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Prioritize Your Biggest Assets
SAVINGS
INVESTMENTS
INSURANCE
SAVINGS
INVESTMENTS
INSURANCE
WHERE DOES THE MONEY GO?
During
Lifetime:Living
Expenses
and Taxes
Savings,
Investments and
Speculation
Insurance
Security and
Protection Plans
TotalEarnings
77% + 15% + 8% = 100%
At Death: Of total net worth(Savings,etc.)
Of total net worth
(Insurance)Total Net
Worth
15% + 85% = 100%
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THINGS YOUNEED TO CHECK BEFOREYOU BUY
A LIFE INSURANCEPLAN ANY PLAN OF LIFE INSURANCE SHOULD BE ABLE TO OFFER YOU FLEXIBILITY.
NEVER BUY A PLAN WITH FIXED TENURE.
THE ABILITY TO DRIVE YOUR PLAN THE WAY YOU WANTTO DRIVE IT SHOULD BE INHERENTIN YOUR POLICY.
THERE SHOULD BE ENOUGH FLEXIBILITY IN THE PLAN FOR YOU TO BE ABLE TO INCREASE
YOUR INSURANCEOR STAGNATE THE SAME WHEN YOU WANT.
TODAY YOU ARE FINANCIALLY SOUND WHAT IF IT DOESNT REMAIN THE SAME OVER APERIOD OF 10 TO 15 YEARS THE PLAN SHOULD BE ABLE TO SUSTAIN THE PREMIUM.
ANY PLAN THAT YOU BUY SHOULD HAVE THE INHERENT QUALITY TO BEAT INFLATIONi.e.THE COVER OF YOUR PLAN SHOULD KEEP ON INCREASING AS PER VALUE OF MONEY.
THE PLAN SHOULD BE SUCH THAT IN CASE OF ANY EMERGENCY OR OPPORTUNITY YOUSHOULD BEABLE TO WITHDRAW MONEY FROM YOUR PLAN.
THE MOST IMPORTANT BEFORE BUYING A POLICY CHECK THE QUALITY & BACKGROUND OFYOUR ADVISOR.
FINALLY ANY LIFE INSURANCE POLICY SHOULD WORK UNDER 3 CONDITIONS,
MONEY IF YOU LIVE , MONEY IF YOU DIE,
MONEY FOR ANY OPPORTUNITIES OR EMERGENCIES.
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INSURANCEINSURANCE OROR INVESTMENTINVESTMENT ??????
Investment thru Insurance
Why Do You Need Insurance?
Premium Maturity at What Age
Why To Invest?* To Beat Inflation
Return Current Inflation
Bank 3.5% 9.19%
P.O 7.5% 9.19%
Equity 20% 9.19%
* Today Your Money Will Doubled After 14 Yrs. + You Have to Invest Strong Amount At a Time.
(As Per Rule of 72)
* Rule of 72 = Inflation : % / 72 , Money Doubled : 72 / %
* To Meet My Emergency Cash Needs. (Short Term Duration)
* To Maintain Standard of Living at Retirement Time.
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LLIFESIFES LLIABILITYIABILITYLiability Graph :-
Kid 2 Marriage Retirement
I
N Kids Higher Edu. Donation Car
C Own Home
O Kid 1 Kid 1 Marriage
M Kid 2
E Marriage
A G E
Birth & Education
Liabilities are Fixed, Funds We have to Fix.
Money Grows thru Investment or Savings ?
It Is Better Late Than Never.
Age Will Grow, Income We Have to Grow.
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IINFLATION ???NFLATION ???ITEMITEM 19871987 19971997 20052005 20172017
Colgate Tooth Paste 8.85 18.90 45.00 104.00
(100 gm)
Hamam Soap 3.85 7.85 22.00 52.00
Masala Dosa 3.50 14.90 32.00 224.00
Petrol 7.90 25.00 52.54 259.00
LPG 56.00 137.00 317.00 830.00
Zodiac Shirts 225.00 510.00 1200.00 2620.00
Prices in Rs.
Inflation Robs You of Your Purchasing Power :-
1,47,850
* We Pay More to Maintain the Same Standard of Living
68,480 * We Need to Save & Invest Today not Just To Maintain
31,720 Our Current Standard of Living but also to achieve Our
14,690 Goals
5 Years 15 Years 25 Years 35 YearsCurrent Monthly Expenditure Rs. 10,000 Assuming Inflation @ 9.19% p.a
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WWEALTHEALTH CCREATIONREATIONLuxury or NecessityLuxury or Necessity :-
Cable TV Washing Machine Microwave Oven
Color TV Color Mobile with Camera 2/4 Wheeler
Long Term Wealth Creation Happens Only by Early & Regular Investment...
20.16%
14.47%
9.19% 7.62%
5.50%
Inflation Bank FD Gold Co. FD Equities
Source : RBI Report on Currency & Finance (2004-05)
Any Investment Decision Should Be Based on Ones Needs, Risk Appetite & Investment horizon
Hence, The Decision to Invest in Equity Funds Should Be Part ofa Well-Crafted Financial plan.
It Could be a Good Idea to Invest Some Portion ofYour Money in Equity based ULIP, In order
to Help You Reach Your Goal ofCreating Wealth over The long Term.
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Table of Financial Needs & Goals
FinancialGoals
AmountRequired (attodays prices)
Years toAchieveYour Goals
InvestmentHorizon
Retirement 40 lakhs 25 Long Term
DaughtersMarriage
10 lakhs 17 Long Term
ChildrensEducation
5 lakhs 7-10 MediumTerm
Buying aCar
3 lakhs 5 Short Term
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A good investment is onethathelps you maximize yourtotal returns,net oftaxes and inflation overthetime period you invest for!
WHICH INVESTMENT IS APPROPRIATE?
Debt : PPF, Post office scheme, Fixed Deposits, Debentures,
Bonds, Income Funds
Equity : Individual Stocks, Growth Funds, Sectoral Funds
Banks: Bank Deposits, Liquid Funds
OR
Unit Linked Investment Plan ULIP ( a mix all of the above )
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Eq uity FundsEq uity FundsWhy Equity Funds?
All of us aspire forenough wealthto be ableto finance at leastsome of ourdreams.
Giving our family thevery best,educating our children, including ourhobby that can our lifemore rewarding.
One ofthemost chances ofdoing so is by investing wisely & regularly today.
When one is investing forthe long-term, onehasto look at generating a returnthat is greaterthan inflation.
For Ex.,If you get a return of 11% from your investment and inflation is 9% thenthe real return you havemade is only 2%.
Why Indian Equities?Favorable Demographics - High Percentage of Young Populationto Drive Spending.
Poor Infrastructure Hasto Improve from Present Situation. Cannot Get Worse.
Globally Competitive Sectors & Companies All Implying Strong Sustainable Economic Growth Going Forward.
Equities As An Asset Class Has Given Higher Returns Over A Long Term.
Around The World, Investors Speaks Only One Language ..
Equity Based Unit Linked Investment Plan Equity Based Unit Linked Investment Plan
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MMUTUALUTUAL FFUNDSUNDSAre Mutual Funds Safe ???Are Mutual Funds Safe ???
One of The Public Limited Company
Investors Company
Company Cannot get Dissolve / Cant get Runaway
Mutual Funds are not Just Equity Plan, but they are The Asset Allocation Funds
In Mutual Funds as per IRDA Law, Money is Invested in a Spread. i.e. At Least InMinimum 15 to 35 Companies, Hence The Risk is minimized.
A Mutual Fund pools the money of people with similar investment goals. The moneyin turn is invested in various securities depending upon the objectives of themutual fund scheme, and the profits are shared among investors in proportion totheir investments.
M.F schemes are usually Open End (Open for Investment & Redemptions) or Closed
End (With a Fixed Term)
In Open End Schemes, Units Can be Purchased from or sold back to the fund at aNet Asset Value (NAV) based price on all business days.
Mutual Funds are everyone. Around the World, Millions of investors invest in M.Fbecause of their safety, Ease of Investing & Help you to achieve your financialgoals.
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FFUNDS ALLOCATIONUNDS ALLOCATIONPower
Chemical
Pharmaceutical
Telecommunication
FMCG
Asset Allocation Funds Sectorial Funds I.T
Software
Petroleum
Banking
G-Sec.
Finance
Portfolio
Auto : Mahindra & Mahindra,TVS,Maruti Udyog Ltd,etc. * Software : Satyam Computer,TCS,Infosys,Wipro,etc.
Banks : SBI,PNB,ICICI,UTI,BOB,IOB,etc. * Telecom : Bharti Televentures Ltd.,Tata Telecom,etc.
Cement : GrasimInd.,GujaratAmbuja,etc. * Transportation : Shipping Corp. ofIndia Ltd.
Chemicals : Indian Petrochemicals,Guj. Alkalies,etc. * Travel : Balmer Lawrie
Consumer Non-Durable : Asian Paints,Nerolac Paints,Tata Tea,Hindu.Lever Ltd.,etc.
Consumer Durable : Voltas Ltd. * Unlisted Equity Holdings : India Info line,etc.
Fertilizers : GSFC,Indo Gulf Fertilizers Ltd. * Warrants : Jindal Vijaynagar,Television Eighteen,etc.
Finance : Sundaram Fin. Ltd.,Tata Inv. Corp. Ltd.
Ferrous Metals : Tata Iron & Steel Co. Ltd,Jindal Steel & Power Co. Ltd.
Industrial Capital Goods : Bharat Electronics Ltd.,BHEL,Bharat Earth Movers Ltd,.etc.
Industrial Products : Finolex Cables Ltd.,BOC (I) Ltd.,etc.
Media & Entertainment : NDTV,Deccan Chronicle Holdings Ltd.,etc.
Oil : ONGC
Petroleum : RelianceInd. Ltd.,IBP Co. Ltd,.BPCL,etc.
Pharmaceuticals : Sun Pharma.Cipla,Glaxo SmithKline,Dr.Reddys,Ranbaxy,etc.
Power : Reliance Energy Ltd.,Tata Power Co. Ltd.,
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Survey conducted by,The Carson Group, a leading global capitalmarkets intelligence consulting firm
THE TOP MONEY MANAGERS OF THE
20th CENTURY
1st Warren Buffett Berkshire Hathaway
2nd Peter Lynch Fidelity Management & Research
3rd John Templeton Templeton Investment Counsel
4th Graham & Dodd SecurityAnalysis
5th George Soros Soros Fund Management
6th John Neff Vanguard Group
7th John Bogle Vanguard Group
8th Michael Price Franklin Mutual Advisors
9th Julian Robertson Tiger Management
10th Mark Mobius Templeton Asset Management
Rank Fund Manager Organisation
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FRANKLIN TEMPLETON
INVESTMENTS
FRANKLIN TEMPLETON
INVESTMENTS
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FFRANKLINRANKLIN TTEMPLETONEMPLETONThe Worlds Most admired Fund Managers Managing Your Fund.
U.S Based Mutual Fund Company.
Manage415 Billion$Asset ( Rs.17,50,000 Crore MorethanIndian Banking Industry)
Global Presence 30 Countries.
Worlds 3rd. LargestIndependent Fund Management Company.
InIndia, F.T is Managing Over Rs.20,000 Crore,40 Offices inIndia & 1.5 Million$ ShareholderAccounts.
Highest Share inIndian Market 10%
AwardedBest Mutual Fund Company of The Year 2005.
CumulativeAnnualized Returns in Last 18 Years 20.16% Approx. Returns in Equity.
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MNYLS Top 10 TipsFor Successful Investing
Invest Regularly Part 2
The Power Of Rupee Cost AveragingThe Power Of Rupee Cost Averaging
Lump Sum Investor Regular Saver
Year Ave. Unit Amount Units Amount Units *
Price (Rs) Invested (Rs) Bought Invested (Rs) Bought
1 20 1,20,000 6000 20,000 1000
2 15 --- --- 20,000 13333 13 --- --- 20,000 1538
4 10 --- --- 20,000 2000
5 20 --- --- 20,000 1000
6 15 --- --- 20,000 1333
Total Invested (Rs) 1,20,000 1,20,000
Average Price Paid (Rs) 20 20
Total No. of Units Bought 6000 8204Value ofInvestment After
Six Years (Rs) 1,20,000 1,64,080
This Example Uses Assumed Figures & Is for Illustrative Purposes Only. * Fractional Units Ignored
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MNYLS Top 10 TipsFor Successful Investing
10. Review Your Investments
Your investmentsneedto adaptto changes in your circumstances,such as getting married, Havingchildren orstarting business.
Its also a good idea to check thateach ofthe funds in your portfolio is living up to yourexpectations.Talking to anInvestmentAdvisor couldhelp you decide whether you needto switch between funds.
CUMULATIVE RETURNS 1996 - 2004
30 LACS
Actively Managed Funds
25 LACS Sensex
Total Invested
20 LACS
15 LACS
10 LACS
05 LACS
00 JAN-96 97 98 99 00 01 02 03 04 05
Source : Franklin Templeton Cumulative Returns from Jan-96 to Jan-05
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LIFE MAKERUnit LinkedInvestment PlanUnit LinkedInvestment Plan
100% Tax-Free Returns + 100% WhiteIncome.
Optionto Choose Death Benefits( Level & Increasing )
The Facility to Change Death Benefit OptionAs per Your Need in Life.
Premium Flexibility, You Can Pay PremiumAny-TimeIn Whole Year after First 3 Years.
After First 3 Years, Withdrawal Facility Any Time/Partial Surrender/Full Surrender.
Facility To Pay Top-Ups. Only MNYL to give 1% Extra Bonus OnTop-Ups.
Persistency Unit onAll PlansAvailable. i.e. If 10 Yr. PlanIsTakenThenAtTheTime of Maturity ......Customer Gets X % FromThe Company (MNYL)As a Loyalty Benefit.
Front End Charge ofThe Company We Do Not Participate in Customers Profits. Hence, We ChargeInitially.
The Facility to Increase or Decease Your Sum-Assured, Based on Your Family.
OurInvestment Process isAimed at Delivering Consistently Strong Investment Performance & World ClassService.
OurInvestment Process Harnesses Our Global Reach & Local Expertiseto Identify Investment OpportunitiesMost Suitedto Your Needs.
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DECIDE
Whether You Should Work For MoneyOR
Should Money Work For You!!!
Life & Wealth Cycle Stage
4 C
Inflation Proof Returns Rule of 72
PREMIUM FLEXIBILITY
- Increase & Decrease of Premium
- Stop Premium
- Extra Top-Ups
- Any Time Premium SAFETY
- Mutual Fund Industry
PROTECTION - IRDA
- Death - SEBI
- Disease - Section 27 of Insurance Act 1938
- Disability
EXPERIENCE
- 162 Yrs. Of New York Life Intl.
- 52 Yrs. Of Franklin Templeton
- 22 Yrs. Of Max India Ltd.
LIQUIDITY OF MONEY
TAX BENEFIT U/S 80 C ( 1 Lakh limit) FUND ALLOCATION (Bench-Mark)
- F.I.B.C.F
- T.I.I.F
LIFE MAKER
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MNYL
Growth Fund & Balance Fund
Equities 59%
Cash 14%
Govt. Securities
16%
Corporate Bonds
11%
Cash 17%Equities 33%
Govt. Securities
30%
Corporate
Bonds
20%
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MNYL
Conservative Fund & Secure Fund
Equities 42%
Cash 20%
Govt. Securities
23%Corporate Bonds
15%
Cash 12%
Equities 0%
Govt. Securities
62%
Corporate
Bonds
26%
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INDIAN MUTUAL FUND INDUSTRY
3000
53000
103000
153000
203000
253000
303000
1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2004 2006
Source: Mutual Fund Yearbook 2001 (AMFI)
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Performance of PPF in Last 7 Years
9.59
8 8
11
0%
200%
00%
600%
800%
1000%
1200%
2000 2001 2002 2003 200 2005 2006
Years
Interestrate
7.5 7.5
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Performance of National Savings Certficate (NSC)
in the last 7 years
11.5
9.59
8 8
0
2
4
6
8
10
12
14
2000 2001 2002 2003 2004 2005 2006
Years
RateofRetu
rnin
Percenta
ge 7.5 7.5
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Performance of Bank Deposits (F.D)
in the past 5 years
109.5
8
5.5 5.25
0
2
4
6
8
10
12
2000 2001 2002 2003 2004 2005 2006
Years
Percentage
Rateof
Return
5.25 5.25
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Performance of FT Bluechip Fund
in the last 12 years
19.54
39.91
17.97
27.03
05
10152025
30354045
1 year 3 years 5 years sinceinception
Years
RateofR
eturno
Invest
ment
Series1
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Performance of FT Prima Fund Since Inception
0
20
40
60
80
Years
PercentageRateofReturn
onIn
vestments
Series1 56.88 62.77 29.67 23.91
1 year 3 years 5 years since inception
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The BetterThe Equities Perform
The More YourInvestmentGrows..
Top 5 Companies
had a Growth of
32% in their
Turnover in the
Last Year
Top 5 Companys Net
Profit Increased by35% in the Last Year