MetLife (India)

MetLife India Insurance Company Limited (MetLife) is an affiliate of MetLife, Inc. and was incorporated as a joint venture between MetLife International Holdings, Inc., The Jammu and Kashmir Bank, M. Pallonji and Co. Private Limited and other private investors. MetLife is one of the fastest growing life insurance companies in the country. It serves its customers by offering a range of innovative products to individuals and group customers at more than 600 locations through its bank partners and company-owned offices. MetLife has more than 50,000 Financial Advisors, who help customers achieve peace of mind across the length and breadth of the country. MetLife, Inc., through its affiliates, reaches more than 70 million customers in the Americas, Asia Pacific and Europe. Affiliated companies, outside of India, include the number one life insurer in the United States (based on life insurance inforce), with over 140 years of experience and relationships with more than 90 of the top one hundred FORTUNE 500 companies. The MetLife companies offer life insurance, annuities, automobile and home insurance, retail banking and other financial services to individuals, as well as group insurance, reinsurance and retirement and savings products and services to corporations and other institutions. MD Speak With a 140-year-old parentage, MetLife today is one of the fastest growing life insurance companies in the country. Positioned as a long term player, the company has developed a strong corporate governance model based on the core values of personal responsibility, people count, partnership, integrity and honesty, innovation and financial strength. The last 8 years of its presence in India, have seen MetLife evolve into a strong brand, serving its customers through a diversified distribution approach. The company offers a range of innovative products ranging from individuals to group customers across the length and breadth of the country through its various bank partners and company-owned offices. In line with its vision to be the most formidable player in the Indian life insurance industry, MetLife aims to grow faster than the industry. The strategy is to clearly establish itself as Indias trusted life insurance specialist, wherein the brand will stand for peace of mind, financial strength and fair dealings with the customer. We are also committed to creating a workplace that attracts, engages, develops committed professionals, and rewards excellent performance. I sincerely believe that it is the trust and faith of our customers that has been instrumental in helping MetLife achieve new heights year on year. Our Values

"Coming into your own", performing as a Leader to be really effective and successful by acting and making decisions independently to get results.

It's all about People, MetLife's key resource. MetLife will succeed because we are winning from within.

Functioning productively in teams towards a common purpose; realising the collective power of diverse work-groups.

Operating with an intense dedication to managing monetary resources for strong business results.

Conducting all business endeavours with truth, sincerity and fairness. MetLife Inc.

Continuously creating and introducing new and original ideas and ways of doing things.

Celebrating 140 years, MetLife, Inc. is a leading provider of insurance and financial services with operations throughout the United States and the Latin America, Europe, and Asia Pacific regions. Through its domestic and international subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. For more information, please visit www.metlife.com. Management Team Rajesh Relan Managing Director MSVS Phanesh Rajesh has twenty years experience in the financial

services sector, of which he has spent ten years in the Indian Life Sameer Bansal Insurance industry. Visualizing the Director- Agency scope and growth, he became a part of this sunrise industry in NitishAsthana 1999, much before it was opened Directorto the private players. Over these Bancassurance& years, he has contributed Business Partnerships significantly through his strategic JoydeepMukherji vision to the development of the Chief Financial Officer private life insurance industry in areas like regulatory & policy BalachanderSekhar formulation, product development, Director - Marketing policyholders protection and KR Anil Kumar distribution models. He is widely Director - Legal & Risk recognized for the pivotal role he and Company Secretary played towards three different life insurance ventures in the country. P. S. Sankaran Director Compliance In the first, he played a critical role as a key project team member that & Internal Controls led to the successful formation of KS Raghavan the JV. With the second life Chief Administrative insurance company, a start-up, he Officer was one amongst the first five employees instrumental in Gaurav Sharma launching and growing its Indian Director - Customer Service and Operations operations. Finally, in his third stint he has been leading another ShilpaVaid life insurance company MetLife, Deputy Director- Human of which he is the Managing Resources Director for India for the last three and a half years. Rajesh joined MetLife India in 2006 and has transformed the organization since then. With exceptional skills in business strategy & planning, he has laid the foundation for MetLifes success in the Indian market.

Appointed Actuary

Partners

Geojit Securities was founded by Mr.C.J George in 1987 as a Proprietorship for doing Broking business in Cochin Stock Exchange. In 1994, the business was taken over by Geojit Securities Ltd, a Joint Venture between Mr.C.J George and the Kerala State Industrial Development Corporation Ltd. In the following year, the company came up with an IPO and the shares were listed in various Stock Exchanges in India in 1995.

Jammu and Kashmir Bank Limited was incorporated on 1st October, 1938 and commenced its business from 4th July, 1939 at in Kashmir (India). The Bank was the first in the country as a State owned bank. According to the extended Central laws of

the state, Jammu & Kashmir Bank was defined as a govt. Company as per the provision of Indian companies' act 1956. In the year 1971, the Bank received the status of scheduled bank. It was declared as "A" Class Bank by RBI in 1976. Today the bank has more than 500 branches across the country and has recently become a billion Dollar Company. Profile Incorporated in 1938 as a limited company. Governed by the Companies Act and Banking Regulation Act of India. Regulated by the Reserve Bank of India and SEBI. Listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) 53 per cent owned by the Government of

J&K. Rated "P1+" by Standard and Poor- CRISIL connoting highest degree of safety. Four decades of uninterrupted profitability and dividends. Unique characteristics: One of a kind Private sector Bank despite government holding 53 per cent of equity. Sole banker and lender of last resort to the Government of J & K. Plan and non -plan funds, taxes and non-tax revenues routed through the bank. Salaries of Government officials disbursed by the Bank. Only private sector bank designated as agent of RBI for banking.

Carries out banking business of the Central Government. Collects taxes pertaining to Central Board of Direct Taxes in J & K.
Registered Office M A Road Srinagar 190 001 Jammu & Kashmir Corporate Headquarters M A Road Srinagar 190 001 Jammu & Kashmir To know more please visit the website at www.jkbank.net

Mangaloreheadquartered Karnataka Bank, a leading private sector Bank having a network of 433 branches across 19 States and 2 Union Territories, is more than 84 years old. The Bank is a technology savvy, customer centric progressive bank with a national presence, driven by the highest standards of corporate governance and guided by sound ethical values. All the 433 branches of the Bank are under the umbrella of core banking solution. The Bank has a host of customer friendly deposit and advances products meeting the varied needs and preferences of its customers. The Bank offers a plethora of technology driven products like Internet Banking facility, Demat services, Mutual Fund products of reputed companies, Life and General Insurance services, Visa enabled Debit Card with wide acceptability across the globe. The Bank has an ambitious business turnover target of Rs. 35000 crores for the year 200809 with a branch expansion plan to reach the tally of 460 branches and additional ATMs to take the total to 180 by end-March 2009.

In 1982, a group of Hyderabad-based practicing Chartered Accountants started Karvy Consultants Limited with a capital of Rs.1,50,000 offering auditing and taxation services initially. Later, it forayed into the Registrar and Share Transfer activities and subsequently into financial services. All along, Karvy's strong work ethic and professional background leveraged with Information Technology enabled it to deliver quality to the individual.

Established in 1921, Mini Muthoottu with an illustrious history of banking behind them today operates from 75 branches in Kerala and 5 in Bangalore. All business concerns of Mini Muthoottu function under the strict guidelines set by the Department of Company Law Affairs and Reserve Bank of India. They also have a certificate of compliance with the requirements regarding prudential norms

from the Reserve Bank of India. Mini Muthoottu, under the able leadership of its Chairman, Mr. Roy M Mathew, offers both the resources and capabilities like any national player coupled with individualized attention to its customers.

Way2Wealth is a premier Investment Consultancy Firm that has been launched with the aim of making investing simpler, more understandable and profitable for the investors. Way2Wealth brings a wide range of product offerings from Fixed Income Securities, Life Insurance and Mutual Funds to Equity and Derivatives (on the National Stock Exchange) for the convenience and benefit of it customers. Way2Wealth has over 40 easily accessible investment outlets spread across 20 major towns and cities in the country.
Corporate Social Responsibility

MetLife has always been committed to making a positive difference in the lives of the individuals and communities. Today, that commitment drives volunteer work and philanthropy across the globe. Working with non-profit organizations, MetLife supports programs that provide young people with the skills they need to succeed in life and create opportunities for people of all ages. MetLifes core values are personal responsibility, people count, partnership, integrity and honesty, innovation and financial strength. These values also shape the responsibility to the communities where the organization conducts its business.

Life insurance has huge potentialMetLife International President William J Toppeta in an interview to ET.ET Bureau 21-Feb-09, The recent reduction in the life insurance space is not too much of a concern yet. The industry will continue to grow at a high rate as the need for financial protection and long-term wealth creation will not change due to the external conditions, said MetLife International President William J Toppeta in an interview to ET. How do you perceive India as a market in the wake of the global recession? There is immense potential to be tapped in India. The life insurance sector is relatively new and under-penetrated. It constitutes around 4% of the total GDP when compared to other Asian countries, where the life insurance penetration is around 8-10% of the GDP. India is a young country where more than 50% of the population is between 20 and 60 years of age. Insurance in India is perceived more as an investment tool and people are opting to buy insurance products for the purpose of long-term investments. The norms on how FDI is calculated have been changed. What is your take on the regulatory hurdles in India? I havent followed the latest announcement in terms of the FDI policy, so I really cant comment on it. But we do face problems of capital infusion because of regulatory hurdles in both India and China. The life insurance sector has declined by over 2% this fiscal. Is that a cause for concern for you as India is grossly under penetrated in terms of life insurance? Not at all. The long-term growth story is very much intact in India. As I mentioned earlier, insurance products are perceived as long-term investment tools in India and

people will continue to buy irrespective of the financial crisis. The reasons for taking out life insurance for the purposes of marriage, retirement and child education will not change due to adverse economic condition. The negative growth this fiscal is more like a blip. If you have tracked the life insurance sector in India so far, you will realise that it has immense growth potential. Last year, the industry witnessed almost 100% growth. What is your total asset size? Do you think there is any need to modify the rules regarding the calculation of mark-to-market (MTM) losses? We have an investment portfolio of around $300 billion worldwide and in India it is almost Rs 2,500 crore. We manage a broad range of asset class including public and private bonds, real estate and agricultural mortgages and bonds backed by consumer loans. As to mark-to-market rules, I dont think I can comment on it. We have established our presence in several countries and have complied with all the rules. Coming to funds, how much do you deploy in infrastructure globally? We invest enough in infrastructure projects but it varies from country to country depending on regulations. You will find Metlife doing a lot to develop infrastructure projects such as highways and ports. Many financial institutions like banks are not much into long-term financing because of the nature of their business. We propose to fill that gap. Do you think the volatility in the stock market in the past year has affected the demand for ULIP products? We are inherently a conservative company and invest very little in equity. Our total equity holding is less than 7% of our portfolio. We adopt different business models for different countries. Its all about complying with the regulations and tax rules. I remember a time, not too long ago, when the general account was worth $300 billion, while a separate account comprising ULIP and other schemes was in the range of $100-150 billion. In the months to come, ULIPs will continue to be the preferred investment channel for investors. What is your outlook on the global slowdown and going forward what are your investment plans? We always plan in advance before taking things forward. In my view, the global situation may take about 12 months to revive.

Given the current global market sentiment, insurance is one sector continuing with its recruitment exercise... Thats true. With the growing awareness about the need for insurance in India, the demand for agents and professionals has increased significantly during the last three years. The industry will continue to recruit in hundreds in the next few months. This is one of the sectors that has witnessed a good growth rate even in the crisis situation. MetLife enters into a distribution tie-up with VISWASMetLife enters into a distribution tie-up with VISWASAnnounces the launch of SunehreSapne a rural initiative -Hyderabad 10-Mar-08, MetLife India Insurance Company Limited (MetLife) today announced the launch of its corporate agency arrangement with VISWAS; a Hyderabad based rural retail chain. With this tie-up, MetLife will offer its Life Insurance Solutions through, the VISWAS retail network of nearly 300 retail centres. This tie up will further strengthen MetLifes presence across the rural locations in Andhra Pradesh, Tamil Nadu, Karnataka and Maharashtra. MetLife also announced the launch of its rural initiative, SunehreSapne an endeavour to educate the rural segment on the need of financial planning through various contact programs and tailor made life insurance products. Under this initiative, MetLife introduced Met Suvidha an affordable and easy to purchase endowment life insurance plan offering both savings as well as protection. . Speaking about this partnership, Mr. Rajesh Relan, Managing Director, MetLife, said, Given the huge size of the rural market, MetLife envisions the association with VISWAS as an opportunity to further augment its rural presence. We are confident that our life insurance products will be made available to rural customers and will help them achieve peace of mind. . Mr. Sekhar N. Chandra Managing Director VISWAS, said, VISWAS a house hold name in rural Andhra Pradesh for retailing in agricultural inputs is spreading its roots to its neighboring states like Tamilnadu, Karnataka & Maharashtra. With its strong presence in these states with millions of customer base, VISWAS is bringing life insurance, another service to the door steps of the farmer in collaboration with MetLife. VISWAS thus endeavors to stand by the farmer to make his dreams a reality in future. .

He further said This partnership with MetLife is a good beginning in working together and this aura should spread to all the centres of our operation by serving as a hub for insurance solutions. . This collaboration is working now in two districts of coastal region of A.P. to start with and will extend to other districts in a time bound programme of six months. . MetLife strongly believes in a multi-distribution approach for reaching customers across the length and breadth of the country. MetLife has bancassurance tie-ups with Jammu & Kashmir Bank, Axis Bank, Dhanalakshmi Bank, Karnataka Bank and Barclays. MetLife has access to over 13 million customers through its bank partners. In addition, MetLife has a tie up with leading corporate agents and brokers. MetLife also has group products that are offered to companies for managing their gratuity funds and enhancing other employee benefits. The group business currently has close to a million lives insured. . The company has now established a countrywide network of 111 offices across 66 cities in India. MetLife currently has more than 32,000 financial advisors all of whom have gone through rigorous training to understand customer needs and are equipped to provide need based financial solutions.
WHY CHOOSE METLIFE?

We take great pride in the financial solutions that we offer. But thats not all. Your requirements and comfort are always our priority. That is why our interactions are distinguished by our expertise, compassion and sensitivity. The MetLife companies are one of the world's largest and most respected financial services organizations. For over 140 years, we've been helping people build financial freedom. For some, this means protection for their families. For others, it means wealth optimization or preservation. Combined with our innovation, this makes the MetLife companies truly formidable players in the Life Insurance industry.

We all dream about fulfilling our childs every need. With expenses rising by the day, however, were also worried about how to ensure it.

MetLifes child insurance plans help future-proof your childs tomorrow. They assure you that there will be no surprise roadblocks down the road. So that you can make your childs dreams a reality.

Free the childs potential, and you will transform him into the world. Maria Montessori (Italian physician and educator, 18701952)
Please click on the plans listed below for further details. Met Bhavishya Met Junior Money Back Met Junior Endowment Met Magic Plus Retirement

Retirement means new beginnings, new joys and the possibility to realize the unfulfilled dreams of your youth. However, its also a time of anxiety, a time when financial independence is of upmost importance. MetLifes comprehensive retirement plans ensure a financially secure retirement and guarantee your peace of mind. So that you can make your dreams a reality, anytime, anywhere. Please click on the plans listed below for further details.

Met Growth Super

Met Pension - Par

Met Pension Plus Savings

What is life without a dream? Be it that grand wedding for your children, a house or a car. MetLife savings plans help you realize your dreams and protect you and your loved ones from lifes uncertainties. Keep your savings growing and ensure complete peace of mind. Please click on the plans listed below for further details.

Met Sukh

Met Suvidha

Met Saral Protection

Met 100

Home loans, EMIs and other such liabilities are a regular feature in all of our lives. Yet none of us want the burden of these payments to fall on our loved ones. MetLifes protection plans act as that all-important shelter, guaranteeing you complete peace of mind.

Please click on the plans listed below for further details.

Met Suraksha Met Suraksha TROP

Met Suraksha Plus Rural

Met Mortgage Protector Plus

None of us can be sure what tomorrow will bring. Shield your families against the unknown. MetLifes rural plans protect your loved ones against financial liabilities and help you save for tomorrow. All at affordable premiums. Surakshabhi, bachatbhi. Please click on the plans listed below for further details.

Met Vishwas Investment Plans

Met Suvidha (Rural)

MetLife s Unit-Linked Insurance Plans ensure systematic enhancement of your wealth. Be it higher returns or the right blend of protection and wealth optimization, they help you ensure the right choice and peace of mind.

Please click on the plans listed below for further details.

Met Easy Plus Met Wealth Plus

Met Gold Plus

Met Fortune

Met Smart Life met Health Care UIN: 117N048V01 Features

y y y y

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

Health problems strike unexpectedly. In addition to causing ill health, it can also scar your financial health. You need to protect yourself against such a situation through a health insurance plan. In order to ensure you are well protected to face any health condition that could befall you, MetLife presents - Met Health Care, a simple health insurance policy with unique and smart advantages for you and your family#.

# Family means spouse and two children. Every additional family member shall be underwritten as per the underwriting conditions laid by the Company from time to time. What is Met Health Care? Met Health Care is a long term health insurance plan from MetLife. This plan covers you 1. Against Hospitalisation expenses by providing you a Daily Cash benefit as chosen by you. 2. Against 10 major Critical Illnesses by providing you a lumpsum benefit. 3. Against Total & Permanent Disability due to accident by providing you a lumpsum benefit. Further, all the above benefits can be availed without the hassle of undergoing any medical examination. Just fill up the simple application form and start enjoying the unmatched benefits of Met Health Care.
Met Monthly Income PlanUIN 117N050V01 Features
y y y y

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

MetLife offers 'Met Monthly Income Plan' a participating plan which guarantees you a monthly regular income for you and your family when you are there and even if you are not there for 15 years or till end of the policy term. Moreover you choose the monthly income that you want and we guarantee you that amount. A plan which provides for your retirement needs and helps you achieve financial freedom - 'Guaranteed'.
Metlife

The MetLife companies are a leading innovator and a recognized leader in protection planning and retirement and savings solutions around the world. We have established a strong presence in the Americas, Europe and Asia Pacific through organic growth, acquisitions, joint ventures and other partnerships. We are strengthening our global brand MetLife by extending core products and competencies to markets around the world an important driver of growth for the enterprise.

With over 140 years of success and experience, the MetLife companies include the largest life insurers in the United States and Mexico and serve over 90 of the top one hundred FORTUNE 500 companies. MetLife, Inc. was named as Americas best-managed insurance company by Forbes magazine in January 2008 as part of its list of 400 Best Big Companies for 2008. Around the world, the MetLife companies offer life, accident, health insurance, retirement and savings and reinsurance products through agents, third-party distributors, such as banks and brokers, and direct marketing channels. We work with families, corporations and governments to provide them with solutions that offer financial guarantees . We have the experience, global resources and vision to provide financial certainties for an uncertain world. History The first MetLife company was established in New York in 1868 offering life insurance solutions to the middle class. Over the years, the MetLife companies have made difference in the communities where they operate, and the organizations social commitment and its commitment to the security of its policyholders have proven to be good business. Here are few highlights in our 140 years of history:
y y y y y y y y y y

y y

1868 Metropolitan Life Insurance Company is established 1912 In partnership with American Red Cross, transforms the corporate headquarters into an administrative relief and support center for Titanic survivors and their families. 1930 Helps thousands of farmers buy back their foreclosed farms and restores them to productivity during Great Depression 1931 Provides financing for the construction of the Empire State Building and Rockefeller Center 1974 Auto and home insurance are added to our product offerings 1989 First operations outside of the U.S. are established in Korea and Taiwan. 1991 - Becomes the first insurer in North America to surpass $1 trillion of life insurance in force 1992 Establishes the first Latin American operation 2000 Becomes a publicly owned stock company with MetLife, Inc. listed on the New York Stock Exchange 2001 Enters the banking sector with establishment of MetLife Bank. Responds to 9/11 by paying claims immediately, awarding grants and investing over $1 billion in publicly traded stocks. 2002 Acquires Aseguradora Hidalgo, S.A., becoming the largest life insurer in Mexico. 2005 Acquires Travelers Life & Annuity and substantially all of Citigroups international insurance business, strengthening our leadership in the U.S. and expanding its distribution capabilities worldwide.

Key Facts MetLifes trusted brand, capital strength and existing relationships with millions of individual

and institutional customers around the globe uniquely position us among our competitors. Here are few facts that highlight our leadership in the global insurance industry:
y

The MetLife companies competitive positioning #1 life insurer in the United States1 #1 life insurer in Mexico2 #2 combined life and annuity in Chile3 #1 life sales via telemarketing in Taiwan4 #1 commercial dental carrier in the United States5 #2 variable annuity sales in Japan6

MetLife, Inc.s financial highlights $501.7 billion USD in total assets under management as of 2008 YE7 $51.0 million USD in total revenues as of 2008 YE8

Disclaimers:
1) LIMRA, based on sales, as of September 2009 (*includes COLI, BOLI & TOLI) 2) EstadisticsAMIS, based on sales, as of March 2009 3) Superintendencia de Valores y Seguros, based on sales, as of June 2009 4) LIAROC , bases on sales, as of April 2008 5) MetLife Market Research, based on sales, as of December 2008 6) Hoken Mainichi News, based on cumulative sales through banks, as of August 2009 7) MetLife, Inc., 2008 8-K 8) FORTUNE 500, April 2009 FORTUNE 500 is a registered trademark of FORTUNE magazine, a division of Time, Inc