AEGON Religare Life Insurance Company AEGON, an international life insurance, pension and investment company, Religare, a global

financial services group and Bennett, Coleman & company, Indias largest media house, have come together to launch AEGON Religare Life Insurance Company Limited (ARLI). This venture is dedicated to build a profitable customer-centric business with scale, providing a work environment that fosters excellence and innovation. This joint venture will balance a local approach with the power of an expanding global operation.
ARLI launched its pan-India operations in July, 2008 following a multi-channel distribution strategy with a vision to help people plan their life better. The fulfillment of this vision is based upon having a complete product suite, providing customised advice and enhancing the overall customer experience through superior service. ARLI has launched a suite of products that are focused on providing the customer with the means to meeting their long-term financial goals. At the same time product development has been founded on the tenet of providing the customer with great value. ARLI products such as AEGON Religare iTerm Plan and AEGON Religare Future Protect Plan have been ranked among the best in terms of value and have attracted many external accolades.

About AEGON As an international life insurance, pension and investment company, AEGON has businesses in over twenty markets in the Americas, Europe and Asia. With headquarters in The Hague, the Netherlands, AEGON companies employ approximately 28,000 people and serve some 40 million customers across the globe. The companys common shares are listed on three stock exchanges: Amsterdam, New York and London. AEGON has more than 160 years of experience with its roots going back to 1844. AEGON holds 26% equity in ARLI. http://www.aegon.com About Religare Enterprises Limited Religare Enterprises Limited (REL) is a global financial services group with a presence across Asia, Africa, Middle East, Europe and the Americas. In India, Religares largest market, the group offers a wide array of products and services ranging from insurance, asset management, broking and lending solutions to investment banking and wealth management. The group has also pioneered the concept of investments in alternative asset classes such as arts and films. With over 10,000 employees across multiple geographies, Religare serves over a million clients, including corporates and institutions, high net worth families and individuals, and retail investors. REL hold 44% equity in ARLI. http://www.religare.in About Bennett, Coleman & Company Limited Bennett, Coleman & Company Limited (BCCL), part of the mammoth Times Group, is Indias largest media house. It reaches out to 2468 cities and towns all over India. The group owns and manages powerful media brands like The Times of India, The Economic Times, Maharashtra Times, Navbharat Times, Femina, Filmfare, Grazia, Top Gear, Radio Mirchi, Zoom, Times Now, Times Music, Times OOH, Private Treaties and indiatimes.com. All of its brands are multinational in outlook, traditional at heart and national in spirit. From the very first edition on November 3, 1838 the mammoth BCCL Group has come a long way. By way of the innovative venture of Times Private Treaties (http://www.timesprivatetreaties.com), the BCCL Group holds 30% equity in ARLI.

MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER Rajiv Jamkhedkar Mr Rajiv Jamkhedkar joined AEGON Religare Life Insurance Company Limited as its Chief Executive Officer in July 2007. Rajiv Jamkhedkar has two decades of experience in Retail Financial Services in India. He has worked in all parts of the country the North, South and Western India. Mr Jamkhedkar started his career as a Management Associate at Citibank N.A. During the course of more than a decade, he worked in Service, Sales and Product management roles in a variety of businesses in Consumer Banking. During his last assignment at Citi, Mr. Jamkhedkar was head of Personal lending & SME segment, Citibusiness. His main achievement was that he quadrupled the balance-sheet in 5 years and made these as two of the most profitable businesses for the bank. Mr. Jamkhedkar has been involved in start-ups including a three year stint in HSBC, where he started up the Retail Assets division of HSBC in India. He was part of the core team that was instrumental in transforming HSBC from being a corporate banking institution to being a significant retail-banking player. Mr Jamkhedkar has a B.Tech Degree in Electronics Engineering from IT - BHU and an M.B.A. degree from Faculty of Management Studies, Delhi University.

Mr. K S Gopalakrishnan is the Chief Financial & Appointed Actuary of AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited, Mr. Gopalakrishnan was with Bharti AXA Life Insurance Company Limited, initially as Appointed Actuary and later also became the CFO of the company. Mr. Gopalakrishnan has over twenty years of experience in life insurance across markets such as Canada and Hong Kong. For a little over eleven years Mr. Gopalakrishnan has been associated with different start up life insurance projects in India and abroad. His work experience spans across the areas of finance, business planning and strategy, product development and pricing, corporate actuarial, compliance and underwriting. His accomplishments include pioneering concepts such as unit linked products with investment guarantees and free looks in India. He also led the project that resulted in the publication of the mortality experience if Indian insured lives 1994-96. Mr. Gopalakrishnan holds a Bachelors Degree in Mathematics. He is a fellow member of the actuarial bodies of Canada, the UK and India. He is also an associate member of the Society of Actuaries (USA) and fellow member of the Insurance Institute of India. He is actively involved in professional work in the Institute of Actuaries of India, where he is currently Vice President CHIEF FINANCIAL OFFICER & APPOINTED ACTUARY K S Gopalakrishnan Read Profile

CHIEF INVESTMENT OFFICER Saibal Ghosh

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Mr. Saibal Ghosh is the Chief Investment Officer of AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited, Mr. Ghosh was the Chief Investment Officer of Bajaj Allianz General Insurance Company Limited. Mr. Ghosh has over 15 years of experience in the capital markets starting his career as a Management Trainee with Sahara India financial Corporation Limited. He grew in his career at Sahara and went on to become the Head of Research & Dealing Mr. Ghosh is a Post Graduate in Business Management with majors in Finance, from Kolkata University.

Mr. Yateesh Srivastava is the Chief Marketing Officer of AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited, Mr. Srivastava worked as Marketing Director with Centurion Bank of Punjab. Mr. Srivastava has 21 years of work experience spanning general management, marketing research, advertising, online and digital publishing and marketing financial services. He has worked in organizations like Lintas, Triton Communications and YES Bank during his career and has special achievements in the area of strategic brand planning. He has worked on a wide variety of brands and categories in his career and handles the areas of branding & communication, corporate communications and customer engagement at AEGON Religare Life Insurance. Mr. Srivastava has a Masters Degree in History from the University of Delhi CHIEF MARKETING OFFICER Yateesh Srivastava Read Profile

Mr Srinivasan Iyengar has over 24 years of experience in the Life Insurance industry across India and Asia, having held senior consulting, business and IT roles. His experience spans across IT, Operations & service, Consulting & Program Management In this long career, Mr Iyengar has worked in multiple functions in the Insurance vertical. He started his career with the Life Insurance Corporation in India and later moved to the IT industry. He was subsequently part of the start-up team for ICICI Prudential Life Insurance in India, and then heading regional application development for Prudential Services Asia based in Malaysia. Later, Mr Iyengar moved on to Tata Consultancy Services (TCS) insurance practice. In 2007, he joined AEGON Religares start-up team as Head - IT & Change Management and took over as Director IT & Operations in August 2009. On October 1, 2010, Mr Iyengar took over as the Chief Operations Officer (COO) and holds responsibility for Technology, Process, Operations, Service and Underwriting functions. Mr Iyengar has a unique experience of being on both the end-user side, consulting side and delivery side. He is a regular speaker at international/industry events and has won the CIO 100 2009 and CIO 100 2010 awards. Mr Iyengar graduated in commerce and has a post graduate diploma in Systems Management. He is also a Fellow of Insurance Institute of India (FIII) and Associate of Life Office Management Organsiation, US (LOMA). CHIEF OPERATIONS OFFICER Srinivasan Iyengar

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Mr. Debmalya Maitra is the Head of Audit, Risk & Compliance at AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited, Mr. Maitra was with HDFC Standard Life Insurance Company Limited as Head Audit & Risk Management. Mr. Maitra has over 22 years of rich experience in the area of Audit and Risk in financial services companies, banking and insurance. Mr. Maitra has worked with firms such as Lovelock and Lewes, SBI Home Finance and Centurion Bank of Punjab during the course of his career. Mr. Maitra holds a Bachelors Degree in commerce and is a Chartered Accountant. HEAD - AUDIT RISK & COMPLIANCE Debmalya Maitra Read Profile

Mr. Sujai Raina is the Head of Strategy at AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited in November 2010, Mr. Raina was with HDFC Bank, initially as Product Head for Unsecured Loans and Education Loans and, later as Business Head for Unsecured Loans. Mr. Raina has thirteen years of experience in Banking and Financial Services across markets in India, covering diverse roles in Sales and Distribution, Product Development, Business Management and Strategy. Before joining HDFC Bank, he spent nine years at Citibank N.A managing various assignments in the Retail Assets, Liabilities and Wealth Management space. Mr. Raina holds a Bachelor of Arts degree in Economics from St. Stephens College, Delhi and a MBA degree from the Indian Institute of Management, Calcutta with a major in Marketing and Finance. HEAD STRATEGY Sujai Raina

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Mr. Manish Shah is the Head of New Ventures at AEGON Religare Life Insurance Company Limited, with the key responsibility of acquiring new distribution for the Company, including the right bank partner. Prior to joining AEGON Religare Life Insurance Company Limited, Mr. Shah was with Citibank. With a work experience of ten years with Citibank in India, Singapore and the United States in different businesses viz. Unsecured Lending, Wealth Management and Mortgages, he ran the Northern region for the Unsecured Business. He was also responsible for setting up the new client acquisition unit, Pan India, for Citigold Wealth Management and headed the Citicards Home Equity Business for Citi in North America.

Mr. Shah joined AEGON Religare Life Insurance in July 2008 and launched the Agency Business with 46 branches across India. He holds a Bachelor of Commerce degree from Bombay University and a MBA degree from Indian Institute of Management, Ahmedabad. HEAD NEW VENTURES Manish Shah

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Mr. Aditya Harkauli is the Head of Agency and Direct Distribution at AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Mr. Harkauli worked with Citibank N.A between 2000-08, where among other roles, he served as Area Director South for the Personal Loan business. In his last assignment with Citibank N.A, as Head of Product Management, Citibusiness, he was responsible for developing the asset & liability product proposition for the SME segment. Mr. Harkauli joined AEGON Religare in March 2008 and has twelve years of experience across FMCG, Banking & Insurance. He has worked across consumer and SME markets in Sales & Distribution and Product Management assignments. He holds an honours degree in Economics from St Stephens College, Delhi and an MBA degree from the Faculty of Management Studies, University of Delhi. HEAD AGENCY & DIRECT DISTRIBUTION Aditya Harkauli

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Mr. Yash Jagdhari is the Director of Business Alliances at AEGON Religare Life Insurance Company Limited. Prior to joining AEGON Religare Life Insurance Company Limited in December 2007, Mr. Jagdhari worked with reputed Multinational companies like ICI, Pepsi, Compaq, Max New York Life and Aviva. He has a total work experience of over twenty years in Marketing, Sales and Distribution of FMCG and Financial Services products. He has a well rounded experience of over nine years in the Life Insurance industry in Agency Sales, Bancassurance and Alternate Channel Sales. Mr. Jagdhari holds a post graduate degree in Business Management from Faculty of Management Studies, University of Delhi and a Bachelor of Science degree from St. Stephens College, Delhi. DIRECTOR BUISNESS ALLIANCES Yash Jagdhari

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HEAD - TALENT Manisha Kadagathur

Protection plans Protection plans are Term Plans which provide only life cover. These plans can help you get adequately covered and secure your family financially in case of unfortunate event. These are low cost life insurance plans. Whats more, depending on your future responsibilities and financial commitments Increasing and Decreasing Term Plans offers you the flexibility to increase or decrease the sum assured in systematic manner.

AEGON Religare Level Term Plan

You have given your family the best till now and you would want them to get the best even in the future. However, no one has control over uncertainties of life. Will they be able to sustain the same lifestyle even in your absence? To deal with your concern and give your family the best, we offer you AEGON Religare Level Term Plan, which ensures protection for your loved ones at a fraction of the cost. Read More

AEGON Religare Increasing Term Plan

Life is about moving forward, and as you scale new heights towards success, your income rises. Along with it, your lifestyle changes and so do the needs and expenses of your family. AEGON Religare Life Insurance now offers AEGON Religare Increasing Term plan that grows with your increasing responsibilities. Read More

AEGON Religare Decreasing Term Plan

Loans or mortgages are riddled with worries and tension. However, as time elapses, your liabilities reduce and hence the need for a plan which has a cover that declines and the premium you pay is low. AEGON Religare Life Insurance offers AEGON Religare Decreasing Term Plan that ensures your liabilities dont give you stress. Read More

AEGON Religare Group Term plan

There is a well known saying People make the place. No matter which industry you are in, the value that individuals bring to an organization cannot be underestimated. Providing basic financial security for these employees would not go unnoticed. AEGON Religare Group Term Plan provides the members of your group with a life insurance plan so that their families needs are looked after. Read More

AEGON Religare Rural Term Plan

AEGON Religare Life Insurance offers AEGON Religare Rural Term Plan, a lowcost plan that offers 100 times of your premium as life cover. Read More

AEGON Religare Group Credit Life Plan

Have you given a thought as to what if something was to happen to any member of your group? At one hand, you would want to safeguard the outstanding loan amount and at the other, you would also want to help his family in such a difficult time.

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AEGON Religare iTerm Plan

No one has control over uncertainties of life. Will your loved ones be able to sustain the same lifestyle even in your absence? In order to ease some worries and give your family the best, we offer you AEGON Religare iTerm Plan, which ensures protection for your loved ones - at a fraction of the cost.

ULIP - Unit Linked Insurance Plans

Unit Linked Insurance Policies or ULIPs as they are commonly called, are more innovative forms of life insurance that also offer returns on your investments. Every ULIP provides cover against death. In addition, these unit linked insurance plans also serve as great means of long-term savings, structured to give you miximum benefit. In simple words, investment in ulips is great combination of protection and investment. Let us help you understand ULIPs better.

AEGON Religare Future Protect Plan

If you opt for Invest Protect Option, it will not only help you gain from your investment but also minimise the risk to your returns as your policy nears maturity. Read More

AEGON Religare Future Protect Plus Plan

A ULIP that offers sum assured and fund value on death Read More

AEGON Religare Future Protect Premier Plan

This limited premium paying ULIP provides you with the protection for a longer period to give you a secured tomorrow. Read More

AEGON Religare Assure Plan

A ULIP that ensures that you never miss an opportunity to maximise your gains, and at the same time are shielded from losses. Read More

AEGON Religare Assure Plus Plan

A ULIP that ensures that you are protected from the uncertainties of market fluctuations and at the same time gives you the confidence of maximising your gains. Read More

AEGON Religare iMaximize Plan

AEGON Religare iMaximize Plan that aims to maximize your investment by charging you zero premium allocation charge. It is not only a value for money investment but also provides you a choice for opting the protection (death benefit) suitable for you.

Saving Plans
Savings Plans help you save and grow your money. Savings Plan is a category of goal-based financial solutions that offers wealth creation opportunities. At AEGON Religare Life Insurance we have created products that cater to these very needs.

AEGON Religare Money Back Plus Plan

A plan that provides life cover for 6 years even after the premium payment term and pays a bonus. Read More

AEGON Religare Money Back Plan A plan that gives you money back in the 6th and the 8th policy year. Read More

AEGON Religare Endowment Plan This plan offers 200% of the sum assured along with accrued bonus in the unfortunate event of your demise. Read More

AEGON Religare Endowment Advantage Plan This plan offers 25% of the sum assured 3 years before maturity and pays 100% of the sum assured along with accrued bonus, in an unfortunate event of your demise. Retirement Plans The rising inflation has put the fear of the unseen in every working persons life. Today, more than ever, it is vital that you save for the golden years post retirement so that you can maintain your lifestyle as today. AEGON Religare Pension plan comes with a unique Lifestyle fund which systematically reduces the risk to your returns by reducing the equity exposure of your investments progressively throughout the policy term. Pension plans offered by life insurance companies provide you with a regular pension that will help you take care of the much needed basic necessities post retirement and assure a secured tomorrow.

AEGON Religare Pension Plan

It provides you with a regular pension that will help you take care of the much needed basic necessities, post-retirement. Invest in AEGON Religare Pension Plan and be assured of a secure tomorrow. Read More

AEGON Religare Insta Pension Plan

Your family looks to you for support and strength at all times. Whether markets crash, prices rise or unforeseen events run riot with your budgets, you manage to come out of such situations on top. All your life, you strive hard and make sure you earn enough and more to ensure that you and your family get the best of everything. Why should your post-retirement life be any less?

Child Plan
AEGON Religare Child Plans are life insurance plans that can help you save for your childs future goals. This plan comes with a Waiver of premium feature, which guarantees to waive all future premiums in event of your demise, pays an amount equal to the annalised premium every year and ensures that your child receives full sum assured immediately and 100% of fund value on maturity of policy.

AEGON Religare Rising Star Plan

It not only makes provisions for your childrens future but also ensures that their future remains secured by providing comprehensive protection to you. Read More