1.
Life Insurance in India, Key Trends and Opportunities to 2016
Report Details:
Published:October 2012
No. of Pages: 239
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Indian life insurance
market, including:
• The Indian life insurance market’s growth prospects by life insurance categories
• The various distribution channels in the Indian life insurance market
• The competitive landscape in the life insurance market in India
• A description of the life reinsurance market in India
Summary
The Indian life insurance segment recorded significant growth during the review period. The
increase was primarily due to the rapid expansion of individual unit-linked policies (ULIPs). This
was further encouraged by the expanding population, robust economic growth, lucrative tax
benefits, rising disposable income levels and increased awareness of the need for insurance,
especially among the younger population. The ULIPs product category is expected to remain
buoyant over the forecast period, while the proposed increased FDI cap is anticipated to attract
global insurers to invest in the segment.
Scope
This report provides a comprehensive analysis of the life insurance market in India:
• It provides historical values for India’s life insurance market for the report’s 2007–2011 review
period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in India’s life insurance market, along with
market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio,
commissions and expenses, combined ratio, frauds and crimes, total assets, total investment
income and retentions
• It analyses the various distribution channels for life insurance products in India
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
India for the life insurance business
• It provides a detailed analysis of the reinsurance market in India and its growth prospects
• It profiles the top life insurance companies in India and outlines the key regulations affecting

2.
them
Reasons To Buy
• Make strategic business decisions using historic and forecast market data related to the Indian
life insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the
Indian life insurance market
• Assess the competitive dynamics in the life insurance market, along with the reinsurance
segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Indian life insurance market and its impact on
companies and the market''s future
Key Highlights
• India''s insurance industry is anticipated to grow at a significant pace owing to the country’s
positive economic growth and proposed industry reforms, such as the increase in the limit of
foreign direct investment.
• Over the forecast period, the IRDA has proposed to increase the permitted level of foreign direct
investment in private insurance companies to 49 percent of equity capital from the current level of
26 percent, which is expected to raise the penetration level of insurance companies, especially in
rural areas.
• Rising employment and affluence levels are expected to increase the insurable population
significantly by 2016.
• The life insurance segment’s growth will be driven by the increasing demand for unit-linked
policies and greater awareness about the need for, and benefits of, life insurance coverage.
• Insurance penetration in rural and social areas is marked by a high degree of risk and, as such,
requires more dynamic and efficient risk management systems.
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Major points covered in Table of Contents of this report include
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Indian Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2007–2016
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments

3.
4 Life Insurance Segment Outlook
4.1 Life Insurance Growth Prospects by Category
4.1.1 Individual life insurance category
4.1.2 Individual general annuity category
4.1.3 Individual pension category
4.1.4 Individual unit-linked insurance sub-category
4.1.5 Group life insurance category
4.1.6 Group superannuation category
4.2 Life Insurance Growth Prospects by Customer Segments
4.2.1 Individual single premium category
4.2.2 Individual non-single premium category
4.2.3 Group single premium category
4.2.4 Group non-single premium category
5 Analysis by Distribution Channel
5.1 Direct Marketing Channel
5.2 Bancassurance Channel
5.3 Agencies Channel
5.4 E-Commerce Channel
5.5 Brokers Channel
5.6 Other Channels
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Indian Life Insurance
7.1 Bargaining Power of Supplier: Low to Medium
7.2 Bargaining Power of Buyer: Low to Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium
7.5 Threat of Substitutes: Medium
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Market Size, 2007–2016
8.2 Reinsurance Market Size by Type of Insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Indian Life Insurance Segment
9.3 Comparison of the Top Five Insurers
9.3.1 Gross written premium
9.3.2 Outwards reinsurance expense
9.3.3 Gross claims
9.3.4 Paid claims
9.3.5 Total assets
9.4 Life Insurance Corporation of India – Company Overview
9.4.1 Life Insurance Corporation of India – key facts
9.4.2 Life Insurance Corporation of India – key financials

4.
9.5 ICICI Prudential Life Insurance Co. Ltd – Company Overview
9.5.1 ICICI Prudential Life Insurance Co. Ltd – key facts
9.5.2 ICICI Prudential Life Insurance Co. Ltd – key financials
9.6 SBI Life Insurance Co. Ltd – Company Overview
9.6.1 SBI Life Insurance Co. Ltd – key facts
9.6.2 SBI Life Insurance Co. Ltd – key financial
9.7 Bajaj Allianz Life Insurance Co. Ltd – Company Overview
9.7.1 Bajaj Allianz Life Insurance Co. Ltd – key facts
9.7.2 Bajaj Allianz Life Insurance Co. Ltd – key financials
9.8 HDFC Standard Life Insurance Company Ltd – Company Overview
9.8.1 HDFC Standard Life Insurance Company Ltd – key facts
9.8.2 HDFC Standard Life Insurance Company Ltd – key financials
9.9 Reliance Life Insurance Company Ltd – Company Overview
9.9.1 Reliance Life Insurance Company Ltd – key facts
9.9.2 Reliance Life Insurance Company Ltd – key financial
9.1 Max Life Insurance Company Ltd – Company Overview
9.10.1 Max Life Insurance Company Ltd – key facts
9.10.2 Max Life Insurance Company Ltd – key financials
9.11 Birla Sun Life Insurance Company Ltd – Company Overview
9.11.1 Birla Sun Life Insurance Company Ltd – key facts
9.11.2 Birla Sun Life Insurance Company Ltd – key financials
9.12 Tata AIA Life Insurance Company Ltd – Company Overview
9.12.1 Tata AIA Life Insurance Company Ltd – key facts
9.12.2 Tata AIA Life Insurance Company Ltd – key financials
9.13 Kotak Mahindra Old Mutual Life Insurance Ltd – Company Overview
9.13.1 Kotak Mahindra Old Mutual Life Insurance Ltd – key facts
9.13.2 Kotak Mahindra Old Mutual Life Insurance Ltd – key financials
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend – Bombay Stock Exchange, India
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (INR)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (Indian Rupees)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP

5.
10.2.12 Mining, manufacturing and utilities net output at current prices (Indian Rupee)
10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (Indian Rupee)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth
10.2.23 Imports growth
10.2.24 Annual average exchange rate US$–INR
10.2.25 End-of-period exchange rate US$–INR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.5 Automotive component exports trend
10.3.6 Automotive component imports trend
10.3.7 Passenger car penetration
10.3.8 Healthcare expenditure
10.3.9 Healthcare expenditure as a percentage of GDP
10.3.10 Healthcare expenditure per capita
10.3.11 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Females as a percentage of the total population
10.5.6 Males as a percentage of the total population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population

6.
10.5.13 Number of households
10.6 Political and Social Risk
10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Indian Insurance Overall Written Premium by Segment (INR Billion), 2007–2011
Table 3: Indian Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Indian Insurance Overall Written Premium by Segment (INR Billion), 2011–2016
Table 5: Indian Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Indian Insurance Segmentation (% Share), 2007–2016
Table 7: Indian Life Insurance Written Premium by Category (INR Billion), 2007–2011
Table 8: Indian Life Insurance Written Premium by Category (US$ Billion), 2007–2011
Table 9: Indian Life Insurance Written Premium by Category (INR Billion), 2011–2016
Table 10: Indian Life Insurance Written Premium by Category (US$ Billion), 2011–2016
Table 11: Indian Life Insurance – Earned Premium (INR Billion), 2007–2011
Table 12: Indian Life Insurance – Earned Premium (INR Billion), 2011–2016
Table 13: Indian Life Insurance – Sum Assured (INR Trillion), 2007–2011
Table 14: Indian Life Insurance – Sum Assured (INR Trillion), 2011–2016
Table 15: Indian Life Insurance – Paid Claims (INR Billion), 2007–2011
Table 16: Indian Life Insurance – Paid Claims (INR Billion), 2011–2016
Table 17: Indian Life Insurance – Incurred Loss (INR Billion), 2007–2011
Table 18: Indian Life Insurance – Incurred Loss (INR Billion), 2011–2016
Table 19: Indian Life Insurance – Loss Ratio (%), 2007–2011
Table 20: Indian Life Insurance – Loss Ratio (%), 2011–2016
Table 21: Indian Life Insurance – Commissions and Expenses (INR Billion), 2007–2011
Table 22: Indian Life Insurance – Commissions and Expenses (INR Billion), 2011–2016
Table 23: Indian Life Insurance – Combined Ratio (%), 2007–2011
Table 24: Indian Life Insurance – Combined Ratio (%), 2011–2016
Table 25: Indian Life Insurance – Frauds and Crimes (INR Billion), 2007–2011
Table 26: Indian Life Insurance – Frauds and Crimes (INR Billion), 2011–2016
Table 27: Indian Life Insurance – Total Assets (INR Billion), 2007–2011
Table 28: Indian Life Insurance – Total Assets (INR Billion), 2011–2016
Table 29: Indian Life Insurance – Total Investment Income (INR Billion), 2007–2011
Table 30: Indian Life Insurance – Total Investment Income (INR Billion), 2011–2016

7.
Table 31: Indian Life Insurance – Retentions (INR Billion), 2007–2011
Table 32: Indian Life Insurance – Retentions (INR Billion), 2011–2016
Table 33: Indian Individual Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Table 34: Indian Individual Life Insurance Category – Number of Active Policies, 2011–2016
Table 35: Indian Individual Life Insurance Category – Written Premium (INR Billion), 2007–2011
Table 36: Indian Individual Life Insurance Category – Written Premium (INR Billion), 2011–2016
Table 37: Indian Individual General Annuity Category – Number of Active Policies (Thousand),
2007–2011
Table 38: Indian Individual General Annuity Category – Number of Active Policies (Thousand),
2011–2016
Table 39: Indian Individual General Annuity Category – Written Premium (INR Billion), 2007–2011
Table 40: Indian Individual General Annuity Category – Written Premium (INR Billion), 2011–2016
Table 41: Indian Individual Pension Category – Number of Active Policies (Thousand), 2007–2011
Table 42: Indian Individual Pension Category – Number of Active Policies (Thousand), 2011–2016
Table 43: Indian Individual Pension Category – Written Premium (INR Billion), 2007–2011
Table 44: Indian Individual Pension Category – Written Premium (INR Billion), 2011–2016
Table 45: Indian Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2007–2011
Table 46: Indian Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2011–2016
Table 47: Indian Individual Unit-linked Insurance Sub-Category – Written Premium (INR Billion),
2007–2011
Table 48: Indian Individual Unit-linked Insurance Sub-Category – Written Premium (INR Billion),
2011–2016
Table 49: Indian Group Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Table 50: Indian Group Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Table 51: Indian Group Life Insurance Category – Written Premium (INR Billion), 2007–2011
Table 52: Indian Group Life Insurance Category – Written Premium (INR Billion), 2011–2016
Table 53: Indian Group Superannuation Category – Number of Active Policies (Thousand),
2007–2011
Table 54: Indian Group Superannuation – Number of Active Policies (Thousand), 2011–2016
Table 55: Indian Group Superannuation Category – Written Premium (INR Billion), 2007–2011
Table 56: Indian Group Superannuation Category – Written Premium (INR Billion), 2011–2016
Table 57: Indian Individual Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 58: Indian Individual Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 59: Indian Individual Single Premium Category – Written Premium (INR Billion), 2007–2011
Table 60: Indian Individual Single Premium Category – Written Premium (INR Billion), 2011–2016

8.
Table 61: Indian Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2007–2011
Table 62: Indian Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2011–2016
Table 63: Indian Individual Non-Single Premium Category – Written Premium (INR Billion),
2007–2011
Table 64: Indian Individual Non-Single Premium Category – Written Premium (INR Billion),
2011–2016
Table 65: Indian Group Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 66: Indian Group Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 67: Indian Group Single Premium Category – Written Premium (INR Billion), 2007–2011
Table 68: Indian Group Single Premium Category – Written Premium (INR Billion), 2011–2016
Table 69: Indian Group Non-Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 70: Indian Group Non-Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 71: Indian Group Non-Single Premium Category – Written Premium (INR Billion),
2007–2011
Table 72: Indian Group Non-Single Premium Category – Written Premium (INR Billion),
2011–2016
Table 73: Indian Life Insurance – Direct Marketing Commission Paid (INR Billion), 2007–2011
Table 74: Indian Life Insurance – Direct Marketing Commission Paid (INR Billion), 2011–2016
Table 75: Indian Life Insurance – New Business Written Premium Through Direct Marketing (INR
Billion), 2007–2011
Table 76: Indian Life Insurance – New Business Written Premium Through Direct Marketing (INR
Billion), 2011–2016
Table 77: Indian Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2007–2011
Table 78: Indian Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2011–2016
Table 79: Indian Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Table 80: Indian Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Table 81: Indian Life Insurance – Bancassurance Commission Paid (INR Billion), 2007–2011
Table 82: Indian Life Insurance – Bancassurance Commission Paid (INR Billion), 2011–2016
Table 83: Indian Life Insurance – New Business Written Premium Through Bancassurance (INR
Billion), 2007–2011
Table 84: Indian Life Insurance – New Business Written Premium Through Bancassurance (INR
Billion), 2011–2016
Table 85: Indian Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2007–2011

9.
Table 86: Indian Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2011–2016
Table 87: Indian Life Insurance – Number of Bancassurance Distributors, 2007–2011
Table 88: Indian Life Insurance – Number of Bancassurance Distributors, 2011–2016
Table 89: Indian Life Insurance – Commission Paid to Agencies (INR Billion), 2007–2011
Table 90: Life Insurance – Commission Paid to Agencies (INR Billion), 2011–2016
Table 91: Life Insurance – New Business Written Premium Through Agencies (INR Billion),
2007–2011
Table 92: Life Insurance – New Business Written Premium Through Agencies (INR Billion),
2011–2016
Table 93: Life Insurance – New Policies Sold Through Agencies (Thousand), 2007–2011
Table 94: Indian Life Insurance – New Policies Sold Through Agencies (Thousand), 2011–2016
Table 95: Indian Life Insurance – Number of Agencies, 2007–2011
Table 96: Indian Life Insurance – Number of Agencies, 2011–2016
Table 97: Indian Life Insurance – E-Commerce Commission Paid (INR Billion), 2007–2011
Table 98: Indian Life Insurance – E-Commerce Commission Paid (INR Billion), 2011–2016
Table 99: Indian Life Insurance – New Business Written Premium Through E-Commerce (INR
Billion), 2007–2011
Table 100: Indian Life Insurance – New Business Written Premium Through E-Commerce (INR
Billion), 2011–2016
Table 101: Indian Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2007–2011
Table 102: Indian Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2011–2016
Table 103: Indian Life Insurance – Number of E-Commerce Distributors, 2007–2011
Table 104: Indian Life Insurance – Number of E-Commerce Distributors, 2011–2016
Table 105: Indian Life Insurance – Commission Paid to Brokers (INR Billion), 2007–2011
Table 106: Indian Life Insurance – Commission Paid to Brokers (INR Billion), 2011–2016
Table 107: Indian Life Insurance – New Business Written Premium Through Brokers (INR Billion),
2007–2011
Table 108: Indian Life Insurance – New Business Written Premium Through Brokers (INR Billion),
2011–2016
Table 109: Indian Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Table 110: Indian Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016
Table 111: Indian Life Insurance – Number of Brokers, 2007–2011
Table 112: Indian Life Insurance – Number of Brokers, 2011–2016
Table 113: Indian Life Insurance – Commission Paid to Other Channels (INR Billion), 2007–2011
Table 114: Indian Life Insurance – Commission Paid to Other Channels (INR Billion), 2011–2016
Table 115: Indian Life Insurance – New Business Written Premium Through Other Channels (INR
Billion), 2007–2011
Table 116: Indian Life Insurance – New Business Written Premium Through Other Channels (INR
Billion), 2011–2016

10.
Table 117: Indian Life Insurance – New Policies Sold Through Other Channels (Thousand),
2007–2011
Table 118: Indian Life Insurance – New Policies Sold Through Other Channels (Thousand),
2011–2016
Table 119: Indian Life Insurance – Number of Distributors in Other Channels, 2007–2011
Table 120: Indian Life Insurance – Number of Distributors in Other Channels, 2011–2016
Table 121: Indian Reinsurance Market by Category (INR Billion), 2007–2011
Table 122: Indian Reinsurance Market by Category (US$ Billion), 2007–2011
Table 123: Indian Reinsurance Segment by Category (INR Billion), 2011–2016
Table 124: Indian Reinsurance Segment by Category (US$ Billion), 2011–2016
Table 125: Indian Premium Ceded to Reinsurance by Type of Insurance (INR billion), 2007–2011
Table 126: Indian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2007–2011
Table 127: Indian Premium Ceded to Reinsurance by Type of Insurance (INR billion), 2011–2016
Table 128: Indian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2011–2016
Table 129: Indian Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Table 130: Indian Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Table 131: Indian Life Insurance Market Share (%), 2007–2011
Table 132: Life Insurance Corporation of India, Key Facts
Table 133: Life Insurance Corporation of India, Key Financials (INR Million)
Table 134: ICICI Prudential Life Insurance Co. Ltd, Key Facts
Table 135: ICICI Prudential Life Insurance Co. Ltd, Key Financials (INR Million)
Table 136: SBI Life Insurance Co. Ltd, Key Facts
Table 137: SBI Life Insurance Co. Ltd, Key Financials (INR Million)
Table 138: Bajaj Allianz Life Insurance Co. Ltd, Key Facts
Table 139: Bajaj Allianz Life Insurance Co. Ltd, Key Financials (INR Million)
Table 140: HDFC Standard Life Insurance Company Ltd, Key Facts
Table 141: HDFC Standard Life Insurance Company Ltd, Key Financials (INR Million)
Table 142: Reliance Life Insurance Company Ltd, Key Facts
Table 143: Reliance Life Insurance Company Ltd, Key Financials (INR Million)
Table 144: Max New York Life Insurance Company Ltd, Key Facts
Table 145: Max Life Insurance Company Ltd, Key Financials (INR Million)
Table 146: Birla Sun Life Insurance Company Ltd, Key Facts
Table 147: Birla Sun Life Insurance Company Ltd, Key Financials (INR Million)
Table 148: Tata AIA Life Insurance Company Ltd, Key Facts
Table 149: Tata AIA Life Insurance Company Ltd, Key Financials (INR Million)
Table 150: Kotak Mahindra Old Mutual Life Insurance Ltd, Key Facts
Table 151: Kotak Mahindra Old Mutual Life Insurance Ltd, Key Financials (INR Million)
List of Figures
Figure 1: Indian Insurance Overall Written Premium by Segment (INR Billion), 2007–2016
Figure 2: Indian Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Indian Life Insurance Written Premium by Category (INR Billion), 2007–2016

11.
Figure 4: Indian Life Insurance Written Premium by Category (% Share), 2011 and 2016
Figure 5: Indian Life Insurance Market Dynamics by Category, 2007–2016
Figure 6: Indian Life Insurance – Earned Premium (INR Billion), 2007–2011
Figure 7: Indian Life Insurance – Earned Premium (INR Billion), 2011–2016
Figure 8: Indian Life Insurance – Sum Assured (INR Trillion), 2007–2011
Figure 9: Indian Life Insurance – Sum Assured (INR Trillion), 2011–2016
Figure 10: Indian Life Insurance – Paid Claims (INR Billion), 2007–2011
Figure 11: Indian Life Insurance – Paid Claims (INR Billion), 2011–2016
Figure 12: Indian Life Insurance – Incurred Loss (INR Billion), 2007–2011
Figure 13: Indian Life Insurance – Incurred Loss (INR Billion), 2011–2016
Figure 14: Indian Life Insurance – Loss Ratio (%), 2007–2011
Figure 15: Indian Life Insurance – Loss Ratio (%), 2011–2016
Figure 16: Indian Life Insurance – Commissions and Expenses (INR Billion), 2007–2011
Figure 17: Indian Life Insurance – Commissions and Expenses (INR Billion), 2011–2016
Figure 18: Indian Life Insurance – Combined Ratio (%), 2007–2011
Figure 19: Indian Life Insurance – Combined Ratio (%), 2011–2016
Figure 20: Indian Life Insurance – Frauds and Crimes (INR Billion), 2007–2011
Figure 21: Indian Life Insurance – Frauds and Crimes (INR Billion), 2011–2016
Figure 22: Indian Life Insurance – Total Assets (INR Billion), 2007–2011
Figure 23: Indian Life Insurance – Total Assets (INR Billion), 2011–2016
Figure 24: Indian Life Insurance – Total Investment Income (INR Billion), 2007–2011
Figure 25: Indian Life Insurance – Total Investment Income (INR Billion), 2011–2016
Figure 26: Indian Life Insurance – Retentions (INR Billion), 2007–2011
Figure 27: Indian Life Insurance – Retentions (INR Billion), 2011–2016
Figure 28: Indian Life Insurance – Investment Portfolio (INR Billion), 2007–2011
Figure 29: Indian Life Insurance – Investment Portfolio, 2007 and 2011
Figure 30: Indian Life Insurance Penetration (% of GDP), 2007–2011
Figure 31: Indian Life Insurance Density (Number of Policies per Capita), 2007–2011
Figure 32: Indian Life Insurance – Number of Active Policies (Thousand), 2007–2011
Figure 33: Indian Life Insurance – Number of Active Policies (Thousand), 2011–2016
Figure 34: Indian Life Insurance – Premium Per-Capita (INR), 2007–2011
Figure 35: Indian Individual Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Figure 36: Indian Individual Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Figure 37: Indian Individual Life Insurance Category – Written Premium (INR Billion), 2007–2011
Figure 38: Indian Individual Life Insurance Category – Written Premium (INR Billion), 2011–2016
Figure 39: Indian Individual General Annuity Category – Number of Active Policies (Thousand),
2007–2011
Figure 40: Indian Individual General Annuity Category – Number of Active Policies (Thousand),
2011–2016
Figure 41: Indian Individual General Annuity Category – Written Premium (INR Billion), 2007–2011

12.
Figure 42: Indian Individual General Annuity Category – Written Premium (INR Billion), 2011–2016
Figure 43: Indian Individual Pension Category – Number of Active Policies (Thousand),
2007–2011
Figure 44: Indian Individual Pension Category – Number of Active Policies (Thousand),
2011–2016
Figure 45: Indian Individual Insurance Category – Written Premium (INR Billion), 2007–2011
Figure 46: Indian Individual Pension Category – Written Premium (INR Billion), 2011–2016
Figure 47: Indian Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2007–2011
Figure 48: Indian Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2011–2016
Figure 49: Indian Individual Unit-linked Insurance Sub-Category – Written Premium (INR Billion),
2007–2011
Figure 50: Indian Individual Unit-linked Insurance Sub-Category – Written Premium (INR Billion),
2011–2016
Figure 51: Indian Group Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Figure 52: Indian Group Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Figure 53: Indian Group Life Insurance Category – Written Premium (INR Billion), 2007–2011
Figure 54: Indian Group Life Insurance Category – Written Premium (INR Billion), 2011–2016
Figure 55: Indian Group Superannuation Category – Number of Active Policies (Thousand),
2007–2011
Figure 56: Indian Group Superannuation Category – Number of Active Policies (Thousand),
2011–2016
Figure 57: Indian Group Superannuation Category – Written Premium (INR Billion), 2007–2011
Figure 58: Indian Group Superannuation Category – Written Premium (INR Billion), 2011–2016
Figure 59: Indian Individual Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Figure 60: Indian Individual Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Figure 61: Indian Individual Single Premium Category – Written Premium (INR Billion), 2007–2011
Figure 62: Indian Individual Single Premium Category – Written Premium (INR Billion), 2011–2016
Figure 63: Indian Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2007–2011
Figure 64: Indian Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2011–2016
Figure 65: Indian Individual Non-Single Premium Category – Written Premium (INR Billion),
2007–2011
Figure 66: Indian Individual Non-Single Premium Category – Written Premium (INR Billion),
2011–2016
Figure 67: Indian Group Single Premium Category – Number of Active Policies (Thousand),

13.
2007–2011
Figure 68: Indian Group Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Figure 69: Indian Group Single Premium Category – Written Premium (INR Billion), 2007–2011
Figure 70: Indian Group Single Premium Category – Written Premium (INR Billion), 2011–2016
Figure 71: Indian Group Non-Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Figure 72: Indian Group Non-Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Figure 73: Indian Group Non-Single Premium Category – Written Premium (INR Billion),
2007–2011
Figure 74: Indian Group Non-Single Premium Category – Written Premium (INR Billion),
2011–2016
Figure 75: Indian Life Insurance New Business Written Premium by Distribution Channel (%
Share), 2011 and 2016
Figure 76: Indian Life Insurance – Direct Marketing Commission Paid (INR Billion), 2007–2011
Figure 77: Indian Life Insurance – Direct Marketing Commission Paid (INR Billion), 2011–2016
Figure 78: Indian Life Insurance – New Business Written Premium Through Direct Marketing (INR
Billion), 2007–2011
Figure 79: Indian Life Insurance – New Business Written Premium Through Direct Marketing (INR
Billion), 2011–2016
Figure 80: Indian Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2007–2011
Figure 81: Indian Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2011–2016
Figure 82: Indian Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Figure 83: Indian Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Figure 84: Indian Life Insurance – Bancassurance Commission Paid (INR Billion), 2007–2011
Figure 85: Indian Life Insurance – Bancassurance Commission Paid (INR Billion), 2011–2016
Figure 86: Indian Life Insurance – New Business Written Premium Through Bancassurance (INR
Billion), 2007–2011
Figure 87: Indian Life Insurance – New Business Written Premium Through Bancassurance (INR
Billion), 2011–2016
Figure 88: Indian Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2007–2011
Figure 89: Indian Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2011–2016
Figure 90: Indian Life Insurance – Number of Bancassurance Distributors, 2007–2011
Figure 91: Indian Life Insurance – Number of Bancassurance Distributors, 2011–2016
Figure 92: Life Insurance – Commission Paid to Agencies (INR Billion), 2007–2011
Figure 93: Life Insurance – Commission Paid to Agencies (INR Billion), 2011–2016
Figure 94: Life Insurance – New Business Written Premium Through Agencies (INR Billion),

14.
2007–2011
Figure 95: Life Insurance – New Business Written Premium Through Agencies (INR Billion),
2011–2016
Figure 96: Life Insurance – New Policies Sold Through Agencies (Thousand), 2007–2011
Figure 97: Indian Life Insurance – New Policies Sold Through Agencies (Thousand), 2011–2016
Figure 98: Indian Life Insurance – Number of Agencies, 2007–2011
Figure 99: Indian Life Insurance – Number of Agencies, 2011–2016
Figure 100: Indian Life Insurance – E-Commerce Commission Paid (INR Billion), 2007–2011
Figure 101: Indian Life Insurance – E-Commerce Commission Paid (INR Billion), 2011–2016
Figure 102: Indian Life Insurance – New Business Written Premium Through E-Commerce (INR
Billion), 2007–2011
Figure 103: Indian Life Insurance – New Business Written Premium Through E-Commerce (INR
Billion), 2011–2016
Figure 104: Indian Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2007–2011
Figure 105: Indian Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2011–2016
Figure 106: Indian Life Insurance – Number of E-Commerce Distributors, 2007–2011
Figure 107: Indian Life Insurance – Number of E-Commerce Distributors, 2011–2016
Figure 108: Indian Life Insurance – Commission Paid to Brokers (INR Billion), 2007–2011
Figure 109: Indian Life Insurance – Commission Paid to Brokers (INR Billion), 2011–2016
Figure 110: Indian Life Insurance – New Business Written Premium Through Brokers (INR Billion),
2007–2011
Figure 111: Indian Life Insurance – New Business Written Premium Through Brokers (INR Billion),
2011–2016
Figure 112: Indian Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Figure 113: Indian Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016
Figure 114: Indian Life Insurance – Number of Brokers, 2007–2011
Figure 115: Indian Life Insurance – Number of Brokers, 2011–2016
Figure 116: Indian Life Insurance – Commission Paid to Other Channels (INR Billion), 2007–2011
Figure 117: Indian Life Insurance – Commission Paid to Other Channels (INR Billion), 2011–2016
Figure 118: Indian Life Insurance – New Business Written Premium Through Other Channels (INR
Billion), 2007–2011
Figure 119: Indian Life Insurance – New Business Written Premium Through Other Channels (INR
Billion), 2011–2016
Figure 120: Indian Life Insurance – New Policies Sold Through Other Channels (Thousand),
2007–2011
Figure 121: Indian Life Insurance – New Policies Sold Through Other Channels (Thousand),
2011–2016
Figure 122: Indian Life Insurance – Number of Distributors in Other Channels, 2007–2011
Figure 123: Indian Life Insurance – Number of Distributors in Other Channels, 2011–2016
Figure 124: Indian Life Insurance – Porter’s Five Forces Analysis

15.
Figure 125: Indian Premium Ceded to Reinsurance by Category (INR Billion), 2007–2016
Figure 126: Indian Premium Ceded to Reinsurance by Category (% Share), 2011 and 2016
Figure 127: Indian Reinsurance Market Dynamics by Category, 2007–2016
Figure 128: Indian Premium Ceded to Reinsurance by Type of Insurance (INR billion), 2007–2016
Figure 129: Indian Reinsurance Market Dynamics by Type of Insurance, 2007–2016
Figure 130: Indian Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Figure 131: Indian Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Figure 132: Indian Life Insurance Market Share (%), 2007 and 2011
Figure 133: Gross Written Premium – Top Five Indian Life Insurers, 2011
Figure 134: Outwards Reinsurance Expense – Top Five Indian Life Insurers, 2011
Figure 135: Gross Claims – Top Five Indian Life Insurers, 2011
Figure 136: Paid Claims – Top Five Indian Life Insurers, 2011
Figure 137: Total Assets – Top Five Indian Life Insurers, 2011
Figure 138: Indian Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 139: Indian GDP at Constant Prices (US$ Billion), 2007–2011
Figure 140: Indian GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 141: Indian GDP at Current Prices (US$ Billion), 2007–2011
Figure 142: Indian GDP Per Capita at Current Prices (US$), 2007–2011
Figure 143: Indian GDP by Key Segments (%) 2009 and 2011
Figure 144: Indian Agricultural Net Output at Current Prices (INR Billion), 2007–2011
Figure 145: Indian Agricultural Net Output at Current Prices (US$ Billion), 2007–2011
Figure 146: Indian Agricultural Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 147: Indian Manufacturing Net Output at Current Prices (INR Billion), 2007–2011
Figure 148: Indian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 149: Indian Manufacturing Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 150: Indian Mining, Manufacturing and Utilities Net Output at Current Prices (IDR Billion),
2007–2011
Figure 151: Indian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion),
2007–2011
Figure 152: Indian Mining, Manufacturing and Utilities Net Output at Current Prices as a
Percentage of GDP (%), 2007–2011
Figure 153: Indian Construction Net Output at Current Prices (INR Billion), 2007–2011
Figure 154: Indian Construction Net Output at Current Pric
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