WHY SHOULD I BECOME AN ADVISOR/AGENT

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WHY SHOULD I BECOME AN ADVISOR/AGENT

• Be your own boss, Write your own paycheck
• Only business that requires no investment from
  your end
• Use your network ideas
• General Insurance Industry - High Growth, Huge
  Potential, Untapped Market
• You have a skill set to sell but have never got
  an opportunity to start your business. This is
  the one to start. As there is no fear of
  failure.
• Can derive substantial part of your income from
  this profession and also continue to earn year
  after year through renewals.

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Why General Insurance

• High Growth Rs.32,000 crore industry, growing at
  approx 20 per annum.
• Huge Potential Current penetration in India is
  less than 1
• Untapped Market People need insurance, but only
  1 out of 100 people are currently aware of the
  risks around them and buying general insurance.
  The rest 99 are still untapped.
• Huge Potential in health Only 2 of Hospital
  Bill paid via insurance
• Increasing awareness No one would like to
  compromise on health facilities even in times of
  recession for their dear ones.
• Rising cost of hospitalization-Apollo, Lilavati,
  Fortis offer world class facilities but at a
  substantial cost.

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WHY ICICI LOMBARD

• Achieve success with the Leader
• Achievements and Awards
• More than 4 million retail customers and 100
  million rural customers
• Assigned the iAAA rating by ICRA indicating
  highest claims paying ability
• Adjudged as the 'General Insurance Company of the
  Year' at the11th Asia Insurance Industry Awards
  2007
• It is a house hold name and the easiest to sell
  to the customer.
• Leader in the health product segment with
  innovative health products
• Competitive rates in all class of products
• ICICI's retention philosophy-business always
  booked with original agent

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What is in it for you?

• Widest Product Portfolio
• Retail
• Motor
• Health CHI, Critical Care, Health Advantage
  Plus
• Travel
• Non Retail Product
• Package Products
• Home Building Insurance
• Educational Institutes Package Policy
• Package policies for Hotels, Petrol Pumps, Malls
  Multiplexes
• SME Package Policy
• Corporate Cover
• Business Solutions
• Marine
• Burglary
• Fire Special Perils
• Group Health and Group Personal Products
• All miscellaneous and Liability products

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Health Insurance Proposition

• Attractive proposition Long term yield-almost
  100 renewals in health as
• People renew because of continuity benefit-PED
  coverage
• Only channel/company knows renewal date - no
  competition
• Premiums remain constant or increase
• Attractive payouts- 15 even on renewals

• Renewal income stream from a 2 adult floater CHI
  with higher aged 33 yrs

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Health Wide Product Portfolio

• Critical Care
• Covers 9 Major Critical Illness PA (Death and
  PTD)
• No survival clause. Payment on diagnosis
• Policy Tenure of 3 yrs and 5 yrs
• Sum Assured of 6 lacs and 12 lacs

• CHI-(Comprehensive Health Insurance)
• No co-pay No sub limits
• Floater Options to cover all members of the
  family
• Convalescence Benefit of 10,000
• Cashless at 4000 hospitals with growing
  network
• 30 day pre 60 day post hospitalisation expenses
  covered

• Health Advantage Plus
• Tax Benefit in 80D
• CHI coverage OPD (Out Patient) Coverage
• Dental coverage
• Diagnostic coverage even without
  Hospitalisation
• Pre existing diseases covered after 2 consecutive
  renewals.

• Personal Protect
• Covers Accidental Death Permanent Total
  Disability
• Covers Accidental Hospitalization Expenses
• Sum Insured options of 10 lacs and 25 lacs

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MOTOR INSURANCE PROPOSITION

• Most competitive rates in the market
• Widest cashless network
• Cashless network even for CV
• 24 hour dedicated call center to lodge your
  claims and check claim status online
• Get pvt car quote on your mobile when meeting
  your client instantly through INSURE 24X7
• RED CARPET-Premium service for your platinum CV
  customers

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Business Benefits

• Comprehensive Training Prarambh is our 1 day
  comprehensive product training held in your
  nearest branch to impart product and process
  knowledge to get you ready to answer your
  customer queries. Advanced training is also
  organized at later date to enhance your selling
  skills upgrade your product knowledge.
• Easy Quick Policy Issuance IT tools at your
  disposal for quick policy issuance
• i-Agent- An internet based agent portal built to
  provide policy issuance and reporting
  capabilities. Each agent is provided with a
  unique login to the portal through which he can
  login and access the various features of the
  portal which include renewal reminders, payout
  details, booked business details policy print.
  
• Insure 24X7-Get quotes of pvt car on your mobile
  instantly or from our website.
• Customers can renew their policy on our website
  and you get the credit for it.
• Dedicated branch manager and sales support for
  corporate calls.

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Business Benefits

• Fastest Claims Settlement-
• Lightning Fast Claims is our promise to the
  customer and we help you achieve the same through
  our in house claim teams
• Only company providing CV cashless facility
• Widest cashless network of hospitals garages
• Tie-ups with Garages Hospitals pan-India for
  cashless facility- In house health claims team
  i-healthcare.
• Dedicated Call Centre which works 24X7 to
  facilitate claims anywhere in India.
• Claim Status can be checked online 24X7.
• Red Carpet-Premium service for your platinum
  customers.
• Agent Service Desk (ASD)
• Clear Turn Around Timelines (TAT) Escalation
• Agents Web Page Grievance Redressal, Training
  Module, Refer an Agent

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Testimonials from our advisor family

• I have been working with ICICI Lombard since last
  4 yrs and it has been a wonderful experience, all
  its employees are ready to help us any time. Good
  claim settlement, on time policy delivery, lowest
  quote have also helped me in increasing my
  business in leaps and bounds so in a way I can
  say yes, U KEPT ME GOING
• - RUPALI RAJENDRA MANE Pune Star
  Performer March09
• I have been associated with ICICI Lombard for
  past 3 years, there have been a lot of attempts
  by other general insurance companies to poach me
  convince me to do business with them, but ICICI
  has been able to retain me for last 3 years it
  is only because of their ability to identify new
  opportunities changes in the markets design
  develop products according to the current needs
  of the markets.. Periodically, I receive mobile
  SMS newsletter from the company am always
  kept updated of the changes new product
  launches.. With their retention guidelines
  conversion I not only take care of my renewals
  but also can concentrate generate on new
  business. Today Customer satisfaction prompt
  service is the only the mantra of my success
  ICICI provides me all.
• - TARANJIT S ANAND Mumbai -- Star
  Performer -- Jan09

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Testimonials from our advisor family

• Health insurance is that the fundamental concept
  that it balances cost across a large, random
  sample of individual including their family
  members. In effect, everybody definitely needs
  health insurance coverage due to increase in
  medical expenses. My Mantra for Success is
  Self-confidence is the first requisite to great
  undertakings. I take immediate control of my
  Emotional, Physical and Financial destiny. Not
  all intelligent people succeed. It is important
  to exploit the inner self and use intelligence to
  give some productive output. Thus the
  implementation of intelligence is equally
  necessary for success. There's always the easy
  way and the right way when it comes to deciding
  what goes with which shoes, or purse, shirt and
  what not. And when it comes to any kind of
  general insurance, yes people prefer ICICI
  LOMBARD
• -THYAGARAJAN S Top Health Advisor
  (Feb09) Bangalore
• I am proud to be active part of ICICI LOMBARD
  FAMILY. As this association is almost 2 years
  old, when i started Gen Insurance, I was working
  two more G.I. companies, But the response i got
  from ICICI Ambala is remarkable now for me G.I.
  is only ICICI Lombard. As a student i have to
  concentrate my studies also. With this
  organization i am doing hassle free working. I
  got so many remarks from customers, Really
  working 247 ", " Process oriented general
  insurance company ". Some time back i started
  selling health products, HAP, CHI, PP all these
  products are very much informative and reducing
  mental barriers of the customers who are health
  conscious. Success mantra for health products are
  " Do not sell forcefully, Convince and polite
  follow up will give you 5 more leads than a
  single customer "..For retain your customer you
  need to be very careful for every call of
  customer. He need mental and monetary support on
  the time of claim. Your soft voice and hassle
  free claim settlement retain your customer better
  way
• -SUMIT PAL SINGH- Top Retention Advisor
  (May09)- Ambala.

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• WELCOME TO THE ICICI LOMBARD ADVISOR FAMILY