1. THE ONLY THING CERTAIN IN LIFE IS THAT THE FUTURE IS ALWAYS UNCERTAIN. LIKE SAND DRIFTING THROUGH YOUR FINGERS. DON’T LET YOUR LIFE SAVINGS BE BLOWN AWAY BY THE UNFORSEEN. LET STATE LIFE HELP YOU PLAN FOR THE YEARS AHEAD. BE WISE, ACT NOW! HOLD ON TO YOUR LIFE SAVINGS!!!

2. RISK: WHAT IS IT? Risk = the possibility of financial loss

3. What is Insurance? Insurance is a legal contract that transfers risk from a policyholder to an insurance provider.

4. Insurance Provider Premiums Claims HOW INSURANCE WORKS

5. Risk factors determine whether you will be able to buy a policy and how much it will cost. Generally speaking: > Risk = > Cost

6. Risk Factors: Life Insurance Age Gender Height & Weight Medical record Personal habits (smoker, drinker, drug use) Occupation Credit rating of policyholder **Amount of coverage required**

7. HOW DO WE HANDLE RISK? 1. Avoidance: Choosing not to participate in an activity because of the risk involved, e.g. not getting a driver’s license; 2. Retention: Saving money in case of future losses, e.g. putting $1000 in a savings account in case of a car accident; 3. Transfer: Passing the risk on to an insurance company, e.g. paying a monthly fee for an insurance policy and expecting the insurance company to protect your assets.

8. In the event of your death, a life insurance policy could: Provide income to your family members so they can maintain their lifestyle. Pay off your mortgage so that the house is free and clear of debt. Provide for your children’s college education. Pay for the final expenses of a funeral or estate settlement costs. Provide an emergency fund to handle an unexpected financial crisis. Provide for settlement of your personal debts.

9. STATE LIFE PLANS

10. INDIVIDUAL LIFE PLANS WHOLE LIFE ASSURANCEWHOLE LIFE ASSURANCE ENDOWMENT ASSURANCEENDOWMENT ASSURANCE SADABAHAR PLANSADABAHAR PLAN ANTICIPATED ENDOWMENT ASSURANCEANTICIPATED ENDOWMENT ASSURANCE SHAD ABAD ASSURANCESHAD ABAD ASSURANCE JEEVAN SATHI ASSURANCEJEEVAN SATHI ASSURANCE CHILD EDUCATION AND MARRIAGE ASSURANCECHILD EDUCATION AND MARRIAGE ASSURANCE CHILD PROTECTION ASSURANCECHILD PROTECTION ASSURANCE SUNEHRI POLICYSUNEHRI POLICY SHEHNAI POLICYSHEHNAI POLICY OPTIONAL MATURITY ENDOWMENTOPTIONAL MATURITY ENDOWMENT NIGEHBAN PLANNIGEHBAN PLAN MUHAFAZ PLUS ASSURANCEMUHAFAZ PLUS ASSURANCE SUPPLEMENTARY COVERSSUPPLEMENTARY COVERS TERM INSURANCE SCHEMETERM INSURANCE SCHEME PROVIDENT FUND INSURANCE SCHEMEPROVIDENT FUND INSURANCE SCHEME HOUSE BUILDING & PERQUISITES INSURANCE SCHEMEHOUSE BUILDING & PERQUISITES INSURANCE SCHEME PAY CONTINUATION SCHEMEPAY CONTINUATION SCHEME GROUP ENDOWMENT INSURANCE SCHEMEGROUP ENDOWMENT INSURANCE SCHEME GROUP PENSION SCHEMEGROUP PENSION SCHEME PRIVATE EDUCATIONPRIVATE EDUCATION GROUP LIFE & PENSION PLANS

11. FINANCIALS (AT A GLANCE)

16. INVESTMENTS

17. Investment Income As at 31-12-2009 (Rs. in millions) ParticularsPortfolio Govt. Securities TFCs/Approved Govt. Securities Equities Bank Deposits Investment properties Policy Loans 145,687 4,598 24,450 12,485 2,538 16,046 205,804 As at 31-12-2009 (Rs. in millions) ParticularsPortfolio Govt. Securities TFCs/Approved Govt. Securities Equities Bank Deposits Investment properties Policy Loans Other Income 14,928 630 2,420 934 274 1,692 742 21,620 Investment Portfolio

18. LAST YEAR BONUS ANNOUNCEMENT

20. For More Details Contact: 0300 7005470