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Contents Preface Acknowledgement CONTENTS PREFACE ACKNOWLEDGEMENT CERTIFICATE DECLARATION S.No Topic or Chapter Page No. 1. Chapter -1 1. Company profile of Aviva Life Insurance 2. Mission and Vision of Aviva Life Insurance 3. History of Aviva Life Insurance 4. Board of Directors 5. Awards of Aviva Life Insurance 2. Chapter -2 1. Objectives of Aviva Life Insurance 3. Chapter -3 1. Product or Policies of Aviva Life Insurance 4. Chapter- 4 1. Promotional Policies of Aviva Life Insurance 5. CHAPTER -5 1. Research and Methodology of Aviva Life Insurance 6. Chapter -6 a. Data Analysis and Interpretation 7. Chapter -8 a. Swot Analysis of Aviva Life Insurance 8. 1. Limitations of the study 2. Recommendations 3. Findings 4. Suggestions 9. Conclusion 10. Bibliography 11. Questionnaire COMPANY PROFILE OF AVIVA LIFE INSURANCE Aviva India is a joint venture between one of the country‟s oldest and largest groups, Dabur, and Aviva Group, one of the UK's largest insurance group, whose association with India dates back to 1834. Our vision is to be amongst India‟s leading life insurers with a quality business model, focused on sustainable growth. We seek to build a robust product portfolio meeting all customer lifecycle needs related to – Protection, Retirement, Savings and Investments. With a strong sales force of over 14,000 Financial Planning Advisers (FPAs), we have initiated and pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health Check services. We are among the first companies to introduce the contemporary unit-linked products. A seasoned team of fund managers make our fund management one of the key differentiators. In India, with a wide distribution network of 134 branches spreading across nearly 1,000 towns and cities, we operate in partnership with the Dabur Group through our 26% interest in Aviva Life Insurance Company India Ltd. Keeping with our commitment of social responsibility, we have been successful in reaching out to the underprivileged strata through our Microinsurance initiatives. "This is Aviva" tells the story of Aviva in the words of our customers, employees and charity partners. It gives an insight into how Aviva makes a difference to the lives of our 34 million customers around the world. Please let us know what you think about "This is Aviva" and we'd be pleased for you to share it. The film was commissioned by Aviva plc, produced by Visual Media, and would not have been possible without the support of Aviva's customers and employees. VISSION AND MISSION Vision: “One Aviva, twice the value”. By working together across our businesses, we will optimize our performance in theglobal marketplace and maximize the value we can generate for all our stakeholders. MISSION Aviva's strategic plan has three main objectives: 1. Narrow focus - Focus on fewer business segments where we believe we can produce attractive returns and with a high probability of success. 2. Build financial strength - Achieve target economic capital levels in line with our industry peers, reduce capital volatility, and bring leverage down to a conservative level. 3. Improve financial performance - Aim to deliver a higher level of revenue growth, a lower cost-income ratio, lower losses and claims and higher return on capital, notwithstanding the subdued economic environment in developed markets. BOARD OF DIRECTORS Name Designation T R Ramachandran Chief Executive Officer & Managing Director Rishi Piparaiya Director, Marketing and Bancassurance Ravi Bhadani Company Secretary and Director - Legal & Compliance Munish Sharda Director, Direct Sales Force Jyoti Vaswani Chief Investment Officer & Director, Fund Management Sanjeeb Kumar Appointed Actuary Anupam Tyagi Chief Risk Officer Amit Malik Director, HR Snehil Gambhir Chief Operating Officer Vijayalakshmi Natarajan Director, Operations Jitendra Nayyar Director, Finance Sanjay Satyapaul Arora Associate Director, Internal Audit AWARDS AND RECOGNITION Aviva India won a Bronze at the Effies 2010 for the Aviva Great Wall of Education, part of Aviva's Street to School Program. The Effies are among the top award platforms for the advertising community in India and worldwide. Aviva Great Wall of Education was awarded this elite recognition for the marketing effectiveness displayed during this campaign. Aviva India has won a Gold at the SPIKES Asia Awards, 2010 for the 'Aviva Great Wall of Education' which is part of the Street to School programme. The SPIKES Awards is one the most prestigious awards for creative advertising across the Asia Pacific region. Aviva Great Wall of Education was awarded this elite recognition for the category- 'Best use of Ambient Media'. Aviva India has won the "Corporate Social Responsibility Award" at the prestigious Asia Insurance Industry Awards 2010 for its corporate social responsibility programme – 'Street to School' for demonstrating how corporate social responsibility can be closely and successfully tied with business strategy. Aviva Life Insurance India was selected from a number of high profile companies competing for the honour of receiving the award. Aviva India has won two major awards, at the „CMO Asia Awards‟ held in Singapore– ‘Excellence in Branding and Marketing’ in Banking and Financial services, and Social Marketing. Aviva India was selected for the two prestigious awards from among more than 200 nominations from across Asia. Aviva has been felicitated with the "Bronze Award for Excellence in People Management" by Grow Talent Company Limited and Businessworld. This honour was given based on our ranking amonst the top 25 companies as per the Great Place to Work survery in the last four years. HISTORY Aviva can trace its history back to the establishment of the Hand in Hand Fire & Life Insurance Society in London in 1696. Predecessor company London and Lancashire Fire and Life, pictured in Dublin, ca. 1871 It was created by a merger of two British insurance firms, Norwich Union and CGU plc (itself created by the 1998 merger of Commercial Union and General Accident) as CGNU in 2000. The Aviva name was adopted in July 2002. Thereafter, most of the group operations, except for some strong local brands, were carried out under the uniform brand "Aviva". During March 2005 Aviva acquired the RAC plc breakdown recovery operation for around £1.1 billion. In July 2006, Aviva greatly increased its presence in the United States by acquiring AmerUs Group, a Des Moines-based financial services company founded in 1896 in a $2.9 billion (£1.6 billion) deal. AmerUs Group was rebranded as Aviva USA when the acquisition was completed. The Company continued to use the Norwich Union name as a trading name in the UK until 1 June 2009 when it became formally known as Aviva within the United Kingdom. The launch was supported by a £9 million advertising campaign to promote the rebranding (one of the most expensive ever in the UK insurance field), with the participation of celebrities includingBruce Willis and Alice Cooper. In June 2009 the Company decided to dispose of Navigator, its Australian wealth management business, to National Australia Bank for A$825 million (£401 million). In October 2009 the company decided to focus on its commercial insurance sector and demonstrate its commitment to brokers by launching their 'find a broker' facility, using the British Insurance Brokers Association search engine. To help them with this endeavour, Paul Whitehouse was recruited to play the part of a successful hairdresser running three salons. The message of the campaign focused on business insurance through insurance brokers.[16] The closing line of the campaign was "We're in business to keep you in business". In September 2011, Aviva completed the sale of RAC plc breakdown recovery operation for £1.0 billion to The Carlyle Group. In February 2012, Aviva sold its occupational health business to the British support services company Capita. In July 2012, Aviva announced plans to sell or close 16 non-core businesses in order to simplify its activities and boost shareholder returns. As part of the plans Aviva announced the sale of its operations in South Korea and the closure to new business of its bulk-buying annuity unit in the United Kingdom. In August 2012, Aviva announced that up to 800 jobs would be lost following a reorganization caused by further turmoil in theEurozone. In December 2012, Aviva agreed to sell Aviva USA Corporation to Athene Holding for US$1.8 billion (£1.1 billion) as part of a plan to improve shareholder returns and reduce the group's capital requirements. Athene subsequently sold the life insurance business of Aviva to Atlantic Global. OBJECTIVE PRIMARY OBJECTIVES To know about Promotional policies of Aviva Life Insurance. SECONDARY OBJECTIVES The main objectives of this project is to find, what steps Aviva Life Insurance is adapting to be market leader and to differentiate itself from its competitors. The basic objective of this project is as mentioned above to find ways so that Aviva Life Insurance remain market leader by considering all the needs &wants and fulfilling their demand. To find out the Strategy of Aviva Life Insurance to remain market leader in future. It should do something to give after sales service and collect feedback from the customers. PRODUCTS OF AVIVA LIFE INSURANCE 1. Aviva Child Plans a. Aviva Young Scholar Advantage Overview Aviva Young Scholar Advantage is a comprehensive plan that enables you to secure your child‟s future in any eventuality through: All future premiums being waived off and invested as a lump sum amount in to the funds, so the policy continues even in the unfortunate event of the parent‟s death while the Life Cover (Sum Assured) is paid out immediately. Provision of a regular income for the minor child, in the event of parent‟s death if Aviva Child Education (CE) Rider is opted for An additional lumpsum being paid in the event of parent‟s death if Aviva Term Plus Rider is opted Loyalty Additions to enhance your Fund Value A choice of 9 fund options; Investment flexibility through Automatic Asset Allocation (AAA) and Systematic Transfer Plan (STP) The product will be offered only to those who have atleast one child b.
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