Business Opportunity Presentation Managing Partner Channel

Slide 1

AXA- A global leader in financial protection

As a global leader AXA has access to world class products, human resources and customer insights
One business Financial protection for 95+ million customers in 57 countries 216,000 employees and distributors worldwide Ambition to be the preferred company for customers, distributors, employees, shareholders and society by buidling trust and differentiation from competition The #1 global insurance group in the world (revenue basis) Fortune Global 500: rank #9 (2010) Gross revenues (2009): Life & Savings: 58bn; P&C: 26bn Market capitalisation: 31bn (17 Aug 2010)

Strong track record of growth since 1996: Growth: 15%+ p.a. in premiums and 500%+ in group net income International business united under a single brand Interbrand (2009): Top-100 global brand / #1 insurance brand

The #5 asset manager in the world Over 1 trillion1 assets managed

Leveraging multi-distribution, multi-partnership capability Rich experience of joint ventures and partnerships with international and local banks

Socially responsible Building trust-based relationships with clients, shareholders, employees, partners and communities

Note: 1)Total assets under management based on estimated fair value as of 2009, including assets under management of insurance companies amounting to 1,015bn. Assets under management of asset management companies (AXA IM and Alliance Bernstein) amounted to 845bn 2)IFS = Insurance financial strength rating Source: AXA

Bharti Enterprises- A leading corporate in India

TELECOM SERVICES
Bharti Airtel
India & SAARC Region

FINANCIAL SERVICES
Bharti AXA Life Ins
Life Insurance

RETAIL / WHOLESALE
Bharti Retail
Retail

EMERGING BUSINESSES
FieldFresh Foods
Agri Exports

Bharti Infratel
Passive Infra

Bharti AXA Gen Ins

General Insurance

Bharti Wal-Mart
Wholesale Cash & Carry

Bharti Teletech
Comm. & Media Devices

Indus Towers
Passive Infra Sharing

Bharti AXA Investment

Bharti Realty
Real Estate

Managers
Asset Management

Telecom Seychelles
Seychelles Islands

Comviva Technologies
Telecom software

Jersey Airtel
Channel Islands

Bharti Foundation CSR activities

Centum Learning Ltd

Training & Dev

Guernsey Airtel
Channel Islands

Bharti Zain Telecom

Africa

Bharti Airtel the flagship company

Among Asias leading integrated telecom services providers with operations in India, Sri Lanka and Bangladesh. Market capitalization of over Rs. 1,208 Bn* Indias largest integrated private telecom operator and among the top-6 listed entities in the country 144.41m customers as of June 2010, total revenues of INR 39,615 Cr (up 7% Y-o-Y), cash profits of INR 16,605Cr (up 19% Y-o-Y) for the year 2009-10 National market share of 30.25% with network coverage of 74% of the total population
* - As on 2nd August 2010. Subscriber base in India as of Jun10, Source TRAI website

Bharti AXA Life Vision

Company Vision: To be the preferred company for financial protection and wealth management in India

Customer: We will reach out to customers, understand their needs, deliver quality solutions and thereby win their trust Distributor: We will grow together through the spirit of partnership, that is transparent, offers fair compensation and builds a mutually beneficial long-term relationship Employee: To be the best place to work that offers employees empowerment, pride and personal growth opportunities for the future. Shareholder: To create value for the shareholders, by consistently achieving business plans and profitability

Our Values

PRAGMATISM PROFESSIONALISM
PROFESSIONALISM

TEAM SPIRIT TEAM SPIRIT PRAGMATISM PROFESSIONALISM PROFESSIONALISM TEAM SPIRIT

PRAGMATISM PROFESSIONALISM

INTEGRITY

INTEGRITY

INNOVATION

INTEGRITY INNOVATION

INTEGRITY INNOVATION
INTEGRITY

INNOVATION

INNOVATIO

Bharti AXA Life: First three years of operations

Business build-up
2000-01

Rs. in crore

NBI Collected ICICI Pru HDFC Std SBI Life Bajaj Allianz Max New York Met Life Reliance Life Bharti AXA Life

2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 Y1-Y3 CAGR 6 62 225 641 1,467 2,342 4,542 7,708 6,393 6,334 513% 1 23 80 148 392 834 1,326 2,315 2,342 3,261 794% 2 22 112 183 495 1,804 3,481 4,647 7,041 664% 7 52 159 451 1,373 3,203 5,822 4,060 4,451 388% 36 59 125 216 441 775 1,350 1,619 1,848 87% 8 23 55 139 330 771 1,075 1,068 169% 6 22 35 85 724 1,936 3,026 3,921 136% 8 107 293 438 514%

Bharti AXA Year 4 (2009-10): Rs. 438cr

Y1

Y2

Y3

Y4

On comparison of the initial years of operations of the top industry players, it is seen that Bharti AXA has performed better than all competitors in its first three years of operations. Similarly, in terms of number of branches, Bharti AXA is ahead of competition. With actual premium of Rs. 438cr in year 4 (2009-10), Bharti AXA will be third only to ICICI Prudential and Bajaj Allianz

The journey so far

181

Branch network in first 3 years The company has been successful in creating support infrastructure at a much faster pace as compared to its competitors.

Customer centricity at Bharti AXA Life through service initiatives

We focus on quality of service- we are ISO 9001:2000 certified for Operations, Customer, Distributor Services and Claims Our customers can rely on us- our outstanding life claims for the financial year 2009-10 is ZERO, which is a rare feat in the life insurance industry We set high standards- our policy issuance time is amongst the best in the industry, which translates into faster risk cover for our customers We believe in customer convenience- making premium payment smooth and easy for customers, we offer 13 payment methods ranging from cheque pick ups to online and mobile payment options We keep our customers informed- our customers can request quick and easy policy updates via SMS Our customers have easy access to us- our contact center is available toll free across all networks, we call back customers who call after working hours or if there is a call drop We listen to our customers- customer feedback is testimony to our service experience; we seek feedback from our customers after every service interaction

Leverage existing strengths and assets

Multi-channel Approach & infrastructure...
181 branches
Largest among 2nd generation players

... market & consumer oriented capabilities...

...along with a strong international experience

Product Innovation Operational processes Cultural acceptance for outsourcing Good relationship with key third party distributors

Bancassurance expertise New & innovative product (e.g. health, NAV Guarantee)

~ 23,000 agents ~800 Direct sales force Existing relationships

Tie-ups with 5 out of top 8 CAB

Proven successful processes

Best practices for sales force & operational excellence

distributors

Back end systems & vendor associations

Roll out of a High Decibel National Mass Media Campaign

Glimpse of What We Have to Offer

Combo Magic

Advantages of COMBOS to CUSTOMER

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COMBI 1:Bright Stars Edge + Family Income Secure

Bright Stars Edge

HIGH ON VALUE Extremely low on charges HIGH ON PROTECTION cover is 20 times annual Premium and death Benefit is SA +FV. OVER ALL A VALUE FOR MONEY UNIT LINKED PRODUCT

Family Income Secure

ANNUAL INCOME TO FAMILY Pay annual benefit for next 20 years incase of death. RETURN OF PREMIUM On survival premium returned back at maturity. UNIQUE PRODUCT RELEVANT TO ALL CUSTOMERS

COMBI OFFER

True Wealth
with

Protect Plus COMBO

COMBI 2: True Wealth + Protect Plus

TRUE WEALTH
HIGHEST NAV GTEE Min of Rs. 12 Low on charges LIMITED PAY Pay for 5 years and get benefits in 10 years
A PLAN THAT ENSURES YOU GET BEST OF BOTH WORLDS

PROTECT PLUS
ENHANCED LIFE COVER Pay for 5 years and get covered for 10 years. RETURN OF PREMIUM On survival, Your premiums are returned back at maturity. UNIQUE PRODUCT RELEVANT TO ALL CUSTOMERS

COMBI OFFER

True Wealth & Protect Plus Combo

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Presenting - THE MANAGING PARTNER CHANNEL

Pre-Requisite for Managing Partner

Confidence

Self Motivation
Relationship Building

Desire to be financially independent

Positive Attitude

Get what you Want!

Be an Entrepreneur

Enjoy R&R

Cherish Status

Make Money Earn Goodwill Make contacts

Fantastic Business Opportunity

Negligible Start up investment

Unlimited Earning Potential

Flexible Working Hours

Be your own Boss

Be a part of World class Organization

Role of a Managing Partner

Search & identify good talent

Recruitment & build your team of Advisors

Motivate & achieve target

Present the business opportunity to advisors

Guide, groom & monitor the team

Benefits for Managing Partner

Opportunity to earn unlimited income with negligible start up cost Significant additional income through overrides on unit performance

Leverage contacts from existing business

Self development of managerial team handling skill through our thorough training curriculum

Build a strong Sales Force of Advisors

Prospect For

Required Qualities

Graduate Married

Passion Result oriented

> 25 Yrs of Age Living in same city since past 5 yrs Family income > Rs. 5 Lacs per annum

Well Connected
Good Communication skills Thirst for Money

Thirst for Recognition

Managing Partner-Responsibilities

Prospect on daily basis

Meet new people everyday

Follow the sales process

Achieve sales target

Attend training programs Participate in reviews Follow the business ethics Invest minimum 3 hours daily

Details of Life Advisor Training

Master Session Name
Creating the Right Impression
1. 2. 3.

Objective and Learning's

Appearance, Body Language and Etiquettes Communication Verbal and non verbal Creating a world class introduction for your self and practice the same.

Prospecting

1. 2. 3. 4.

How to prospect to names Classify names into categories The prospecting funnel Trigger sheet to generate referrals. Identifying Objection Classifying objection as per ACC method Objection handling skills Objection handling scripts Steps in tele calling Telephonic Objection handling skills ACC Developing scripts for objection handling

Objection Handling

1. 2. 3.

4.

Tele clinic

1. 2. 3.

Need Based Selling Closing

1. Using FNA 2. Effective Closing Skills

Benefits of Life Insurance Membership

1. Internal & External R & R Clubs/Platforms

HNI Selling and Business Insurance

1. 2.

Business Insurance Concepts HNI Selling Skills

Earning Potential

As a Managing Partner you will earn

Monthly Recruitment Payout Startup Bonus One time Kicker

Monthly Business Payout

Quarterly Business Payout

Annual Business Payout

Rewards & Recognition(Contests)

Rewards and Recognition for Life Advisors

Outsourcing Of Backend Support

LA Recruitment Process

Advisor Connect
Policy Issuance Process

Surprise Slide

Join Bharti Axa Life

Be a Champion!