.Aviva Life Insurance Company India Pvt. Ltd.

Financial PlanningA Career Option

A Career that gives you….

Opportunity

Respect

Wealth

Challenge

Satisfaction

Everything you desire

A Career withImmense Opportunitiesand Unlimited Potential

Persons from any background… Irrelevant of the work experience,

can become

Financial Planning Advisor

Who can become a FPA ?

What does a FPA do ?

Meets people and presents services. Helps customers understand the benefits of Life Insurance.

Understand the financial needs and shape the future financial needs of the clients.

Customize and recommend Aviva’s products to the customers as per their need.

Provide consistent after- sales support

Expand the client base through referrals etc.

In short …

Ensures easy access to funds during customers’ difficult times

Helps customers realize their dreams

Protect their life-style

A Financial Planning Advisor

To be an FPA you need

To be honest

To be hardworking

Good Networking skills

Good in communication

To be interested in learning new things

You should have a desire not only to succeed,

but to excel in whatever you do …

Why become a FPA ?

Helps you to fulfill your desires

Personal satisfaction

Better opportunity

Greater Challenge

Regular earnings

Respect

Some Benefits of being an FPA

Personal and professional growth

Expanded social networking

Flexible working hours

No capital investment

Self decided income

Handsome earnings

Who Are We?

Why Aviva ?

2

Aviva Plc. - International Presence

•World’s 6th largest insurance company

•No. 1 in the UK; Amongst top 5 players in UK, Ireland, Netherlands, Poland, Spain, Turkey and Singapore

•Europe’s leading life and pension provider

•Overall premium income of US$ 41 billion (INR 200,000 crore)

•Over US$ 300 billion assets under mgt (15,00,000 crore)

•Operations in over 30 countries

•Over 40 exclusive BA partnerships

•Over 25 million customers and 70,000 employees

Aviva India

A joint venture between Dabur & Aviva

Dabur India is a 120 year old leading

FMCG company with turnover of

over INR 1400 crores

148 year old history pre-nationalization

- The Group began writing life business in India in 1834

Largest private insurer pre-nationalisation

One of the first foreign insurance companies to open their representative office in India (1995)

Bancassurance partnerships include: ABN AMRO, American Express, Lakshmi Vilas Bank, Centurion Bank of Punjab & Indusind Bank

Field force of over 30000 Financial Planning Advisers across the country

The Winning Model

Distribution

Multi-channel platformRapid expansion of

agency

Operations

State of ArtCustomer Oriented

BrandGlobal Presence

ProductComprehensive portfolioInnovative and flexible

EntryJoint venture entry platformStrong and respected partners

PeopleTalent from diverse industries

A Winning Strategy

Focus on sustainable long-term business Balance customers’ and organization’s needs Develop & sell long-term products to meet

specific customer needs Improved service levels

We have successfully built a sustainable We have successfully built a sustainable and profitable business globally and and profitable business globally and

ensured consistent growth through sound ensured consistent growth through sound vision and innovationvision and innovation

Distribution Network

• Corporate office in Gurgaon

• Operations in all major towns and cities

• Around 200 branches

• 30000 FPAs across India

• Rapid expansion strategy in place

Insurance : The Need & The Opportunity

• Deregulation and privatisation has thrown up tremendous opportunities in the insurance industry

• Vast untapped potential– barely 6% of India’s insurable population is insured

• India, which accounts for 8% of Asia’s GDP only accounts for 1% of its life insurance premiums

• Per capita premium in India is only Rs 500 as compared to 1.41 lac in US, 1.78 lac in Japan, 55000 in Korea, 43000 in Spain

• Indian insurance industry is slated to touch $ 25 bn by 2010 assuming 7% GDP growth

• Lack of a comprehensive social security system and escalating costs of administering pension system in the country

Our Business Proposition

Aviva FPA Benefits

Development of Business Skills through periodic training

Marketing Support – Product Brochures, Flyers, Mailers

Full Time Manager Support

First Year Earnings – Fat Percentage of Premium

Renewal Earnings – Pension for the future

FPA Promotion Program - Employment with Aviva

Club memberships – Jewel Club

Overseas Trips – Blue Riband

Regular Contests – Attractive gifts for performers

Unlimited Earnings

Holidays Abroad

Career Progression

Lifelong Pension

Flexible Working Hours

World Class Training

Social Status

The Aviva Proposition

The Great Value Deal

Every sale brings you one step closer to your dreams

Lifetime Commission Structure:*

1st Annual Premium – 35%

2nd Annual Premium – 6%

3rd Annual Premium – 6%

4th Year Onwards – 5% (Till the time policy continues)

* Commissions on highest selling whole life plan

The Great Value Deal

MonthTotal

Policies Per Mth

Premium Per Policy Total Prem

1st Yr Comm @

30%

2nd Yr Comm @

6%

3rd Yr Comm @

6%

4th Yr Comm @

5%

5th Yr Comm @ 5%

1st Yr

MONTHLY INCOME

14400

2nd Yr MONTHLY

INCOME

24630

3rd Yr MONTHLY

INCOME

38730

4th Yr MONTHLY

INCOME

63450

5th Yr

MONTHLY INCOME

100405

120960

Assuming 20% growth next year

75600Year 5 10 26000 3120000 43500 28800 1204860

28800 7614002016000 604800 75600 52200

936000

Average Earning Potential Demonstration For A Financial Planning Advisor

172800576000 172800

Total Earnings

464760

870000 261000 34560

Assuming 20% growth next year

295560

1260000 378000 52200 34560

Year 2 5 14500

17500

Assuming 20% growth next year

Year 4

Year 1 4 12000

8

Assuming 20% growth next year

21000

Year 3 6

Lifelong Pension

Assuming you continue doing business only for 10 years,

How much pension you would

have earned for yourself?

Rs 1 lac per month for Life

Can you earn that much pension in your current occupation?

Your Work,

Your Time… Anytime

Dream Trips

for Star Performers

Training - Investing In Your Future

Focus on ensuring an all round development of our advisors.

Various programs are designed to enhance • Knowledge• Skills• Attitude

• Course content based on a legacy of our huge world wide experience• Weekly / monthly training sessions by SMs and professional trainers• World class infrastructure support in branches with equal access to

advisors• Span of control restricted to 15 and 30 advisers per sales manager to

ensure proper grooming and development• Exclusive Sales HR department to support development of front line sales

Social Status• Blue Riband – Foreign Trip

• Jewel Club

• Pearl

• Emerald

• Ruby

• Sapphire

• Diamond

Club Rewards

• Recognition letter from Director / MD

• Business Allowance

• Aviva Trophy

• Gifts

• Free Insurance Cover

• Personalized StationaryIn addition there are monthly, quarterly, semi annual,

annual and milestones based contests

Sensational Debut

3 policies with 50 K APE in 45 days of licensing

Policy Hitter (Monthly)

High Five Smashing 10 Super 15

NOP 5 APE 50 K NOP 10 APE 100K NOP 15 APE 150K

Jewel Club (Annual)

Diamond – Tier 530 policies with 2200 / 1800 K APE

Sapphire – Tier 430 policies with 1300 / 1500 K APE

Ruby – Tier 325 policies with 1000K / 900 K APE

Emerald – Tier 220 policies with 750 K APE

Pearl – Tier 115 policies with 400 K APE

Blue Riband (Annual)

75 policies with 2000 K APE

FPA Rewards

and Recogniti

on Platform

Employment with Aviva

Top Performing advisors are given an opportunity to have employment with Aviva

Aviva - The Right Choice

An unlimited earning potential

Exciting growth opportunities

A professional work environment

Learning Opportunities

Personal and Professional Development

World class training in selling skills, financial assessment & advice

Career Progression

Thus… giving you the power to take control of your future

Join AVIVA Life Insurance

asFinancial Planning Advisor

Avail an opportunity to realize your dreams !!

Thank You