iSolutionsiSolutions

This presentation is strictly for internal circulation and/or for training/ education of employees/ advisors/ corporate agents/ brokers of ICICI

Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a

prospect/ general public.

A solution for his needs

“Customer is not interested in complex product details ”

that is easy to

understand

Customer is interested in…

A solution for his needs

“Customer is not interested in complex product details ”

that is easy to

understand

Customer is interested in…

Customer needsCustomer needs

Child educationRetirement

A solution for his needs

“Customer is not interested in complex product details ”

that is easy to

understand

Customer is interested in…

Addressing the need in

simple way in our context …

Case study…

It’s end of June and Arun is having a performance review with his manager

Performance SnapshotCalls made to leads 750

Appointments generated 25

Policies Picked up 2

Meet Arun, Sales person at ICICI Prudential

Arun, why did you fall short

of your target?

Arun, why did you fall short

of your target?

Sir…I tried hard but..Sir…I tried hard but..

the markets are not doing well

the markets are not doing well

Nothing new to offer

Nothing new to offer

Customers not interested

Customers not interested

Arun’s performance review

Arun, I understand, but we need to achieve our targets in July. There is something new

that can help you…

Arun, I understand, but we need to achieve our targets in July. There is something new

that can help you…

Arun’s performance review

Show training room set-upSolutions training

Training Paathshala

Focus on “Need Based Cash Flows”

Guess the need?

Age 45 DeathAge 55 Age 60

Solution based on customer need What you pay and what you get

What you pay

Retirement

What you get

Simple cash flows connect instantly with customers

Guess the need?

Another example

What you pay

Child education

What you get

Age 5Class 1

Age 16Class 10th

Age 21Graduati

on

Age 18Class 12th

Age 23Higher Studies

Focus on “Need Based Cash Flows”

Simple cash flows connect instantly with customers

Customers can’t be convinced by

such a simple pitch

Customers want information about returns, features,

etc

Customers want to know product

detailsI need to show my grasp of financial terms to convince

customers

Ok, this is the pitch. But what do

I say next?

Do you have similar doubts?

I understand your concerns. However, this has worked for others. Let me

give you some examples..!!

I understand your concerns. However, this has worked for others. Let me

give you some examples..!!

Arun meets his manager

Success Stories

Suvendu Sarma

The next day Advisor Suvendu picked up 3 ICICI Pru

Retirement Income Solution of Rs. 1 Lakh each

Training conducted at Bongaigaon

Focus on Need Based Cash Flow

Pay 1 lakh for 7 Years & Get 1 lakh every year

Ashim Chatterjee (ABM)

Susavan Mahanta (BM, Bardhaman)

Praveen Sharma

10 ICICI Pru Retirement Income Solutions of Rs. 1 lakh each in 1 day!!

Trainer Leader Executor

The 3 Champions

Sushil SumanICICI Pru Retirement

Income Solutionof Rs. 3.7 Lakh

Loknath SahooICICI Pru Retirement

Benefit Solution of Rs. 1.5 Lakh

Sujata ShindeICICI Pru Retirement Income Solution of

Rs. 1 Lakh

“Need Based Cashflows” works with customers!!

Other Success Stories

Good but don’t forget Need Based Cash flow

Good but don’t forget Need Based Cash flow

Ok, I will give it a try.

Ok, I will give it a try.

Arun meets his manager

Arun meets Sanjay

I want both!I want both!

While cash inflows from your business are irregular, how do you manage your

regular expenses?

While cash inflows from your business are irregular, how do you manage your

regular expenses?

Will an additional monthly income help take care of household

expenses?

Will an additional monthly income help take care of household

expenses?How will your wife take care of

household expenses in case you are not around?

How will your wife take care of household expenses in case you are

not around?

Would you want to leave a legacy for your child?

Would you want to leave a legacy for your child?Do you prefer market linked

returns or guaranteed returns?Do you prefer market linked

returns or guaranteed returns?

For customers above 40, a few sharp questions around retirement are great conversation starters!!

Return Enjoy your desired equity participation for optimum returns

Safety Enjoy a level of guarantee to protect your investments against market volatility

Income Enjoy regular income for you and your spouse for whole of life

Protection Get a life cover during your earning years and leave

a legacy for your child

Retirement Benefit Solution

Sell online

Investment profile

Pinnacle Super GSIP Minimum

premium

Aggressive 75% 25% 76 k

Moderate 50% 50% 1 lakh

Conservative 25% 75% 2 lakh

What you pay

What you getAdobe Acrobat

Document

Retirement Benefit Solution Refresher

ProductsICICI Pru Guaranteed Savings Insurance PlanICICI Pru Pinnacle SuperICICI Pru Immediate Annuity

Minimum Age at Entry 35 Years

Maximum Age at Entry 60 Years

Premium Payment Term Limited Pay (7 Years)

Minimum Premium

• ICICI Pru Immediate Annuity will not start automatically. The policyholder will get the maturity benefit from ICICI Pru Pinnacle Super and ICICI Pru Guaranteed Savings Insurance Plan and its his responsibility to purchase ICICI Pru Immediate Annuity in both cases.

• The annuity amounts can not be guaranteed at the time of purchase of the solution. The annuity rates can change from time to time and actual annuity amount will depend on the rates prevailing at the time of vesting.

Investment Profile Minimum Premium (Rs.)

Aggressive 76k

Moderate 1 lakh

Conservative 2 lakh

Congrats! How did you make such a quick closure?

Congrats! How did you make such a quick closure?

It’s easier to engage the customer through this need based cash flow approach

It’s easier to engage the customer through this need based cash flow approach

Selling is smooth due to the unique ICICI Pru backend support - customized presentations and integrated issuance process

Selling is smooth due to the unique ICICI Pru backend support - customized presentations and integrated issuance process

Arun shares a coffee with his friend Amit

Sounds interesting…Sounds interesting…

Customised presentations and Integrated Backend!!

Lets see how it goes today…Lets see how it goes today…

First Appointment - Arun meets Mr. Chandan face to face.

Will your PF savings be enough for your retirement?Will your PF savings be enough for your retirement?

Arun meets Mr. Chandan

Will your company give you regular income post retirement?Will your company give you regular income post retirement?

For salaried 40+ customers, monthly income needs to continue post retirement!!

Chandan has some questions…

Why can’t I pay for a shorter duration?Why can’t I pay for a shorter duration?

For whole of life benefits, you need to pay for 10 years!! For whole of life benefits, you need to pay for 10 years!!

This solution provides benefits to you and your wife for whole of life. Hence, it is important that you pay at least for 10 years to build a significant corpus.

This solution provides benefits to you and your wife for whole of life. Hence, it is important that you pay at least for 10 years to build a significant corpus.

Sell online

ICICI Pru Retirement Income Solution

What you pay

What you get

ICICI Pru Retirement Income Solution

Adobe Acrobat Document

Retirement Income Solution Refresher

Products ICICI Pru Guaranteed Savings Insurance PlanICICI Pru Immediate Annuity

Minimum Age at Entry 25/30 Years (Depending on Payment term)

Maximum Age at Entry 60 Years

Premium Payment Term Limited Pay (7/10 Years)

Minimum Annual Premium Rs. 18000 (for Seven Pay) / Rs. 12000 (for Ten-Pay)

• ICICI Pru Immediate Annuity will not start automatically. The policyholder will get the maturity benefit from ICICI Pru Guaranteed Savings Insurance Plan and its his responsibility to purchase ICICI Pru Immediate Annuity.

• The annuity amounts can not be guaranteed at the time of purchase of the solution. The annuity rates can change from time to time and actual annuity amount will depend on the rates prevailing at the time of vesting.