Ensure Brochure Oct 2011

Build a secure future for your child, one step at a time 

October, 2011 

(As on September 30, 2011) 

Our Investment Philosophy 

As one of the leading private life 

insurance companies, we know that 

our customers trust their monies with 

us to attain their long-term goals and 

to protect and achieve the dreams 

and aspirations of their families. 

With this in mind, our investment 

focus is to ensure long term Safety, 

Stability and Profitability of our 

customers' funds. 

Our aim is to achieve superior returns 

for a given level of risk. In order to 

meet this objective, we have 

developed an investment framework 

that is based on a sound investment 

process coupled with a rigorous and 

sophisticated risk management 

strategy. 

Click to access: 

Linked Life Funds 

Linked Pension Funds 

Performance Summary 

Find your Fund 

The Investment Team Advises 

5 Mantras of Financial Freedom 

How we Manage your Money 

Glossary of Terms 

NEXT


As on September 30, 2011 

Fund* 



Preserver 8.26% 8.49% 7.70% 6.20% 6.69% 6.14% 0.10 -2.53 28-Jun-04 

Protector** 8.24% 7.50% 6.87% 7.00% 6.01% 5.83% -0.21 -0.68 15-Nov-01 

Balancer** 9.56% 8.37% 12.33% 8.62% 7.16% 10.43% 0.05 -0.05 15-Nov-01 

Maximiser 9.56% 7.70% 20.32% 8.78% 6.36% 17.31% 0.11 0.10 15-Nov-01 

Flexi Growth 9.34% NA 7.12% 9.16% NA 5.94% NA NA 20-Mar-07 

Flexi Balanced 8.10% NA 6.31% 9.17% NA 7.25% NA NA 20-Mar-07 

Multiplier 8.45% NA -1.60% 8.03% NA -3.77% NA NA 26-Nov-07 

R.I.C.H. Fund 8.92% NA 5.24% 9.24% NA 2.82% NA NA 17-Mar-08 

Pension Preserver 8.09% 8.39% 7.54% 6.20% 6.69% 6.13% -0.07 -2.53 22-Jun-04 

Pension Protector 7.90% 7.43% 6.99% 7.00% 6.01% 5.89% -0.24 -0.68 31-May-02 

Pension Balancer 7.48% 7.12% 12.47% 8.62% 7.16% 11.00% -0.08 -0.05 31-May-02 

Pension Maximiser 9.38% 7.73% 21.50% 8.78% 6.36% 18.48% 0.11 0.10 31-May-02 

Pension Flexi Growth 10.47% NA 7.00% 9.16% NA 5.94% NA NA 20-Mar-07 

Pension Flexi Balanced 7.87% NA 7.33% 9.17% NA 7.25% NA NA 20-Mar-07 

Pension Multiplier Fund 4.30% NA -2.06% 8.03% NA -1.40% NA NA 25-Feb-08 

Pension R.I.C.H. Fund 10.07% NA 5.66% 9.24% NA 2.90% NA NA 18-Mar-08 

*Fund details including Segregated Fund Identification Number (SFIN) provided on subsequent pages 

**From the date of inception of the benchmark (2-April-2002) 

KEY INDICATORS 

Economic Indicators 

Benchmark 

Returns 

Annualised returns (Fund) 

3 Year 5 Year 

Sep 30, 

2011 

1yr 

Aug 30, 


Since 

Inception 

GDP Growth Rate 

5 year CAGR FY 2010 FY 2011 

8.16% 8.00% 8.50% 

Change 

Rs/$ 48.97 46.10 6.25% 

F/X Reserve($ bln) 312.707 319.175 -2.03% 

Oil 82.14 88.9 -7.87% 

Gold (Rs./10 gm) 25,951 26,761 -3.03% 

FII Fund flow (INR mn) -11,468 -95,365 83,897 

MF Fund flow (INR mn) 17,471 82,811 -65,340 

DII Fund flow (INR mn) -7,306 24,972 -32,278 

DII - MF fund flow -24,777 -57,839 33,062 

Sep 2011 

Aug 2011 

Monthly Inflation (WPI) 9.78% 9.22% 

3yr 5yr 

BSE 100 -18.95 8.78 6.36 

CRISIL 5.58% 7.00% 6.01% 

Annualized Returns 

(Benchmark) 

3 Year 5 Year 

5 Year Sharpe Ratio 

Since 

Inception Fund Benchmark 

Equity Indices 

Global Indices 

Sep 30, 


Sep 30, 


Aug 30, 


Aug 31, 



Date of 

Inception 

% Change 

% Change 

Dow jones industrials 10,913 11,614 -6.0 

Hang seng 17,592 20,535 -14.3 

Ftse 100 5,128 5,395 -4.9 

Nikkei 225 stock average 8,700 8,955 -2.8 

Fixed Income 

Yields 


BSE SENSEX 16,454 16,677 -1.3 

S&P CNX NIFTY (50) 4,943 5,001 -1.2 

INDIA BSE MIDCAP 6,130 6,274 -2.3 

CNX MIDCAP INDEX 7,094 7,295 -2.8 

Sep 29, 


Aug 30, 


% Change 

NSE Mibor 8.32% 8.06% 0.26% 

5 year G-Sec 8.32% 8.33% -0.01% 

5 year AAA 9.51% 9.40% 0.11% 

10 year G-Sec 8.42% 8.32% 0.10% 

10 year AAA 9.56% 9.38% 0.18% 


Equity Market 

17,400 

17,200 

17,000 

16,800 

16,600 

16,400 

16,200 

16,000 

15,800 

15,600 

15,400 

Movement of Sensex and Nifty 

Sensex Nifty 

2-Sep 

5-Sep 

6-Sep 

7-Sep 

8-Sep 

9-Sep 

12-Sep 

13-Sep 

14-Sep 

15-Sep 

16-Sep 

19-Sep 

20-Sep 

21-Sep 

22-Sep 

23-Sep 

26-Sep 

27-Sep 

28-Sep 

29-Sep 

30-Sep 


Equity: 

Equity markets were volatile for the month of 

September on the back of continued uncertainty 

regarding the resolution of European debt crisis. NIFTY 

witnessed a ~1% decline for the month. The FIIs 

outflows for September stood at a - $0.28bn, while 

domestics bought $0.34bn worth of equities. Despite 

weak IIP numbers (21-month low of 3.3%) RBI 

continued with its rate hikes as inflation continued to 

be sticky (9.8% for the month of August). As the 

uncertainty regarding the resolution of the European 

debt crisis grew and the US central bank indicated its 

unwillingness to print more money, there was a dollar 

rally. During the month the rupee depreciated by 6% 

and the Euro depreciated by 7%. Domestic 

consumption stories like autos, cement along with the 

IT sector performed well for the month of September. 

Metals, infrastructure and capital goods companies 

witnessed underperformance. 

Outlook: 

We maintain our neutral view on the markets. 

Uncertainty around the resolution of European debt 

crisis and weak global growth concerns will continue 

to weigh on sentiments. On the domestic front, RBI 

stance remains unchanged and will be guided by 

inflation trajectory. Further, the Government recently 

announced a higher than expected borrowing 

program. This too has added to the upward pressure 

on interest rates. Markets will also take a cue from the 

quarterly numbers which will be reported in October. 

Another important factor for the performance of the 

markets will be the Government’s execution of its 

divestment agenda. Sensex valuations at 13.6x FY12 

earnings are in line with the historical mean and could 

provide some downside protection to the markets. 

We continue to believe that long India’s long term 

growth story remains intact and offers great 

investment opportunities. 



5,200 

5,100 

5,000 

4,900 

4,800 

4,700 

4,600 

Debt Market 

9% 

8% 

7% 

Yield Curve 

6m 1y 2y 3y 4y 5y 6y 7y 10y 30y 

Maturity 

30-Aug 29-Sep 

Fixed Income: 

In the mid-quarter monetary policy review held in 

September, RBI hiked the Repo rate by 25 basis points 

from 8% to 8.25%. The policy rate hike was in line 

with market expectations. The Reverse Repo rate and 

Marginal Standing Facility (MSF) rate automatically 

stand adjusted to 7.25% and 9.25% respectively. RBI 

noted the downside risks to domestic growth on 

account of global developments. In the light of weak 

global demand, RBI noted that domestic exports 

might take a hit in coming quarters. However, having 

acknowledged the downside risks to growth, RBI 

stressed that it will continue with its anti-inflationary 

stance till the headline inflation is seen taking a 

downward trend. The Government announced the 

borrowing calendar for the second half of FY12 

towards the end of the month. Government will 

borrow Rs. 2200 bn through dated securities in H2 

FY12. This is higher than the budgeted amount by Rs. 

529 bn. As a result, the FY12 gross borrowing will 

now be Rs. 4700 bn against the budgeted target of 

Rs. 4171 bn. Liquidity continued to remain within 

RBI’s comfort zone. The IIP figure for the month of 

July was noted at 3.3%. WPI inflation for the month 

of August was noted at 9.78%. The Indian Rupee 

appreciated to 48.97 against the dollar as on 

29 September 2011. 

Outlook: 

We remain cautious on the bond market. The market 

will look forward to the upcoming RBI monetary 

policy for further guidance. Global developments will 

continue to play a major role in shaping the yield 

movements. We remain cautious on the possibility of 

further upside to the borrowing numbers as there is a 

possibility of shortfall in the disinvestment targets, 

subsidies and tax revenues.

Balancer 


FUND OBJECTIVE 

To provide a balance between long-term capital appreciation 

and current income through investment in equity as well as 

fixed income instruments in appropriate proportions 

depending on market conditions prevalent from time to time. 

RISK PROFILE 

Expected return 

Risk 

ANNUALIZED RETURNS 

14.00% 

12.00% 

10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 

3 Year 5 Year Since inception* 

Balancer Benchmark 

* calculated with effect from 2-Apr-02, as benchmark did not exist 

before this date 

DATE OF INCEPTION: Nov 15, 2001 

BENCHMARK 

35% BSE 100&65% CRISIL Composite Bond Index 

PERFORMANCE SUMMARY 

FUND SFIN NAV*** Rs. 

Balancer Fund ULIF 002 22/10/01 LBalancer1 105 33.85 

Balancer Fund II ULIF 014 17/05/04 LBalancer2 105 23.16 

Balancer Fund III ULIF 023 13/03/06 LBalancer3 105 15.66 

Balancer Fund IV ULIF 039 27/08/07 LBalancer4 105 13.96 

NAV GROWTH 

36.00 

34.00 

32.00 

30.00 

28.00 

26.00 

24.00 

22.00 

20.00 

18.00 

16.00 

14.00 

12.00 

10.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 

Apr-02 Nov-03 Jun-05 Dec-06 Jul-08 Mar-10 Sep-11 

Balancer 

Benchmark 

Protector Maximiser 

RICH 

Income 

Multi Cap Balanced 

ASSET ALLOCATION 

Indicative Portfolio Allocation Max (%) Min (%) 

Equity & equity related securities 40 0 

Debt, Money Market & Cash 100 60 


Flexi Balanced 

Money Market 

Multi Cap Growth 

PORTFOLIO 

AUM (Rs. Million): 18,447.67 

Asset Allocation 

Allocation in 

Fund 

EQUITY 33.50% 

DEBT 59.90% 

OTHER CURRENT ASSET & EQUIVALENT 6.60% 

TOTAL 100.00% 

Top 5 Sectors In Equity 

Allocation as a 

% in Equity 

BANK 18.94% 

METALS & MINERALS 14.60% 

TECHNOLOGY 13.62% 

OIL & GAS 11.78% 

AUTO 10.38% 

Top 10 Equity Stocks 


% in Equity 

H D F C BANK LTD. 10.03% 

INFOSYS TECHNOLOGIES LTD. 9.37% 

RELIANCE INDUSTRIES LTD. 8.93% 

STATE BANK OF INDIA 6.71% 

BHARTI AIRTEL LTD. 6.58% 

I T C LTD. 6.34% 

MAHINDRA & MAHINDRA LTD. 6.04% 

TATA STEEL LTD. 4.82% 

STERLITE INDUSTRIES (INDIA) LTD. 4.12% 

TATA CONSULTANCY SERVICES LTD. 3.91% 

Debt Asset Allocation 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 

Allocation in Fund 

GOVERNMENT SECURITIES/ T BILLS 9.94% 

CORPORATE SECURITIES 33.86% 

AAA AND EQUIVALENT 23.62% 

AA+ AND EQUIVALENT 3.15% 

AA EQUIVALENT AND BELOW 7.09% 

CORPORATE MONEY MARKET SECURITIES 0.11% 

COMMERCIAL PAPER (P1+ 

AND EQUIVALENT) 0.11% 

CERTIFICATE OF DEPOSIT (P1+ AND 

EQUIVALENT) 0.00% 

FIXED DEPOSITS WITH BANKS 16.00% 

Average Maturity of Debt Portfolio (Months) 42.40 

Average Maturity of Debt Benchmark (Months) 34.36 

Yield to Maturity of Debt Portfolio 9.71% 

*** Last declared NAV (30-Sep-2011) 

For full portfolio details please Click Here

Protector 



To provide accumulation of income through investment in 

various fixed income securities. The fund seeks to provide 

capital appreciation while maintaining a suitable balance 

between return, safety and liquidity. 

RISK PROFILE 


Risk 


9.00% 

8.00% 

7.00% 

6.00% 

5.00% 

4.00% 

3.00% 

2.00% 

1.00% 

0.00% 

3 Year 5 Year Since inception* 

Protector Benchmark 

* calculated with effect from 2-Apr-02, as benchmark did not exist 

before this date 






BENCHMARK 

CRISIL Composite Bond Index 



Protector Fund ULIF 003 22/10/01 LProtect1 105 21.0112 

Protector Fund II ULIF 016 17/05/04 LProtect2 105 16.2502 

Protector Fund III ULIF 024 13/03/06 LProtect3 105 14.8259 

Protector Fund IV ULIF 041 27/08/07 LProtect4 105 13.9504 

NAV GROWTH 

21.00 

20.00 

19.00 

18.00 

17.00 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 

Apr-02 Nov-03 Jun-05 Dec-06 Jul-08 Mar-10 Sep-11 

Protector Benchmark 

Protector 

RICH 

Income 



Maximiser 


Money Market 


PORTFOLIO 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 


Asset Allocation Allocation in Fund 







COMMERCIAL PAPER (P1+ AND 


CERTIFICATE OF DEPOSIT (P1+ 



OTHER CURRENT ASSETS AND 

EQUIVALENT 7.46% 

TOTAL 100.00% 

Portfolio By Maturity 

Allocation in 

Fund 

< 1 year 30.32% 

1-5 years 40.42% 

5-7 years 2.00% 

7-10 years 23.16% 

> 10 years 4.11% 

TOTAL 100.00% 


Average Maturity of Benchmark (Months) 34.36 



For full portfolio details please 

Click Here

Maximiser 



To generate long-term capital appreciation through 

investment primarily in equity and equity-related instruments. 

RISK PROFILE 



25.00% 

20.00% 

15.00% 

10.00% 

5.00% 

0.00% 

Risk 

3 Year 5 Year Since inception 

Maximiser Benchmark 






BENCHMARK 

BSE 100 



Maximiser Fund ULIF 001 22/10/01 LMaximis1 105 62.2 

Maximiser Fund II ULIF 012 17/05/04 LMaximis2 105 34.83 

Maximiser Fund III ULIF 022 13/03/06 LMaximis3 105 15.73 

Maximiser Fund IV ULIF 037 27/08/07 LMaximis4 105 12.41 

Maximiser Fund V ULIF 114 15/03/11 LMaximis5 105 10.06 

NAV GROWTH 

80.00 

72.00 

64.00 

56.00 

48.00 

40.00 

32.00 

24.00 

16.00 

8.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 

Nov-01 Jul-03 Mar-05 Oct-06 Jun-08 Feb-10 Sep-11 

Maximiser Benchmark 


RICH 

Income 




Money Market 


PORTFOLIO 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 



Allocation in 

Fund 

EQUITY 

DEBT AND OTHER CURRENT ASSETS & 

94.09% 


TOTAL 100.00% 

Sector Allocation 


% in Equity 

BANK 19.47% 



AUTO 10.15% 

OIL & GAS 10.10% 

CONSUMER 7.05% 

TELECOM 6.30% 

CEMENT 5.33% 

FINANCE 3.66% 

PHARMA & HEALTHCARE 2.41% 

INFRASTRUCTURE 2.15% 

CAPITAL GOODS 2.05% 

EPC 1.12% 

RETAIL 1.06% 

OTHERS 0.52% 

REAL ESTATE 0.40% 

Top 20 Equity stocks 


% in Equity 





I T C LTD. 6.32% 






JINDAL STEEL & POWER LTD. 3.59% 

MARUTI SUZUKI INDIA LTD. 3.33% 

A C C LTD. 3.08% 

SHRIRAM TRANSPORT FINANCE CO. LTD. 2.83% 

LUPIN LTD. 2.41% 

POWER GRID CORPN. OF INDIA LTD. 1.99% 

GRASIM INDUSTRIES LTD. 1.88% 

AXIS BANK LTD. 1.75% 

BHARAT HEAVY ELECTRICALS LTD. 1.42% 

PANTALOON RETAIL (INDIA) LTD. 1.05% 



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Preserver 



To provide suitable returns through low risk investments in 

debt and money market instruments while attempting to 

protect the capital deployed in the fund. 

RISK PROFILE 


Risk 


10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 


Preserver Benchmark 

DATE OF INCEPTION: June 28, 2004 




Debt instruments 50 0 

Money Market & Cash 100 50 

BENCHMARK 

CRISIL Liquid Index 



Preserver Fund ULIF 010 17/05/04 LPreserv1 105 17.1411 

Preserver Fund III ULIF 021 13/03/06 LPreserv3 105 15.3918 

Preserver Fund IV ULIF 036 27/08/07 LPreserv4 105 13.8336 

NAV GROWTH 

18.00 

17.00 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 

Jun-04 Apr-05 Feb-06 Nov-06 Sep-07 Jul-08 Apr-09 Feb-10 Dec-10 Sep-11 

Preserver Benchmark 


RICH 

Income 




Money Market 


PORTFOLIO 


Preserver 

Flexi Growth 

Opportunity 

Pinnacle 













OTHER CURRENT ASSETS AND EQUIVALENT 2.63% 

TOTAL 100.00% 

Portfolio by Maturity 

Allocation in 

Fund 

< 1 year 92.27% 

1-5 years 7.73% 

5-7 years 0.00% 

7-10 years 0.00% 

> 10 years 0.00% 

TOTAL 100.00% 






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Multiplier 



To provide long-term capital appreciation from equity 

portfolio predominantly invested in NIFTY scrips. 

RISK PROFILE 



10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 







BENCHMARK 

S&P CNX Nifty 



Multiplier Fund ULIF 042 22/11/07 LMultip1 105 9.4 

Multiplier Fund II ULIF 044 25/02/08 LMultip2 105 10.68 

Multiplier Fund III ULIF 046 25/02/08 LMultip3 105 10.36 

Multiplier Fund IV ULIF 047 25/02/08 LMultip4 105 10.64 

NAV GROWTH 

Multiplier Benchmark Multiplier Benchmark 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 

5.00 

4.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 


RICH 

Income 


Nov-07 Jul-08 Mar-09 Oct-09 Jun-10 Feb-11 Sep-11 



Money Market 


PORTFOLIO 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 



Allocation in 

Fund 

EQUITY 92.04% 

DEBT AND OTHER CURRENT ASSET & EQUIVALENT 7.96% 

TOTAL 100.00% 



% in Equity 

BANK 19.90% 

OIL & GAS 18.17% 


AUTO 9.83% 




TELECOM 4.60% 

CEMENT 3.38% 

OTHERS 2.41% 

FINANCE 2.14% 

MEDIA 1.68% 


EPC 1.03% 




% in Equity 




I T C LTD. 7.11% 


OIL & NATURAL GAS CORPN. LTD. 4.97% 




GAIL (INDIA) LTD. 2.90% 

N T P C LTD. 2.86% 




BHARAT PETROLEUM CORPN. LTD. 1.82% 


ASHOK LEYLAND LTD. 1.75% 


JAGRAN PRAKASHAN LTD. 1.68% 




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RICH 



To generate superior long-term returns from a diversified 

portfolio of equity and equity related instruments of 

companies operating in four important types of industries, 

viz., Resources, Investment-related, Consumption-related and 

Human Capital leveraged industries. 

RISK PROFILE 



ANNUALIZED RETURNS NAV GROWTH 

10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 


DATE OF INCEPTION: Mar 17, 2008 





BENCHMARK 

BSE 100 


R.I.C.H. Fund ULIF 048 17/03/08 LRICH1 105 11.98 

R.I.C.H. Fund II ULIF 049 17/03/08 LRICH2 105 12.33 

R.I.C.H. Fund III ULIF 050 17/03/08 LRICH3 105 12.00 

R.I.C.H. Fund IV ULIF 051 17/03/08 LRICH4 105 12.33 

RICH Benchmark RICH Benchmark 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 

5.00 


Balancer 

Multiplier 

Bluechip 

Dynamic P/E 

Mar-08 Sep-08 Mar-09 Sep-09 Mar-10 Sep-10 Mar-11 Sep-11 


RICH 

Income 




Money Market 


PORTFOLIO 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 



Allocation in 

Fund 

EQUITY 95.64% 


TOTAL 100.00% 



% in Equity 

BANK 21.74% 

OIL & GAS 16.07% 



AUTO 7.34% 

TELECOM 6.21% 





FINANCE 2.78% 

CEMENT 2.62% 

EPC 2.26% 

OTHERS 1.54% 

RETAIL 0.80% 


MEDIA 0.33% 



% in Equity 


I T C LTD. 6.81% 




PUNJAB NATIONAL BANK 3.77% 

BANK OF BARODA 3.27% 




N T P C LTD. 2.31% 





TATA POWER CO. LTD. 1.83% 

DR. REDDY'S LABORATORIES LTD. 1.71% 

LARSEN & TOUBRO LTD. 1.65% 


TATA MOTORS LTD. 1.58% 



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To achieve a balance between capital appreciation and stable 

returns by investing in a mix of equity and equity related 

instruments of large, mid and small cap companies and debt 

and debt related instruments. 

RISK PROFILE 



10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

Risk 


Flexi Balanced Benchmark 





BENCHMARK 

55% CNX 500 & 45% CRISIL Composite Bond Index 


NAV GROWTH 


Balancer 



Flexi Balanced Fund ULIF 031 20/03/07 LFlexiBal1 105 13.2 

Flexi Balanced Fund II ULIF 032 20/03/07 LFlexiBal2 105 14.12 

Flexi Balanced Fund III ULIF 033 20/03/07 LFlexiBal3 105 13.08 

Flexi Balanced Fund IV ULIF 040 27/08/07 LFlexiBal4 105 12.51 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

Multiplier 

Bluechip 

Dynamic P/E 

Mar-07 Dec-07 Sep-08 Jun-09 Mar-10 Dec-10 Sep-11 

Flexi Balanced Benchmark 


RICH 

Income 




Money Market 


PORTFOLIO 



Allocation in 

Fund 

EQUITY 50.56% 

DEBT 41.91% 


TOTAL 100.00% 

Top 5 SectorsIn Equity 


% in Equity 

BANK 20.00% 

OIL & GAS 12.68% 






% in Equity 

I T C LTD. 6.88% 











Preserver 

Flexi Growth 

Opportunity 

Pinnacle 


















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Flexi Growth 




portfolio of equity and equity related instruments of large, 

mid and small cap companies. 

RISK PROFILE 



10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 






BENCHMARK 

S&P CNX 500 


NAV GROWTH 


Balancer 



Flexi Growth Fund ULIF 026 20/03/07 LFlexiGro1 105 13.66 

Flexi Growth Fund II ULIF 027 20/03/07 LFlexiGro2 105 14.12 

Flexi Growth Fund III ULIF 028 20/03/07 LFlexiGro3 105 13.61 

Flexi Growth Fund IV ULIF 038 27/08/07 LFlexiGro4 105 12.08 

Flexi Growth Benchmark Flexi Growth Benchmark 

19.00 

18.00 

17.00 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 

Multiplier 

Bluechip 

Dynamic P/E 

Mar-07 Dec-07 Sep-08 Jun-09 Mar-10 Dec-10 Sep-11 


RICH 

Income 




Money Market 


PORTFOLIO 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 



Allocation in 

Fund 

EQUITY 92.38% 


TOTAL 100.00% 



% in Equity 

BANK 18.41% 

OIL & GAS 14.74% 




AUTO 7.55% 


TELECOM 4.32% 


CEMENT 3.65% 


OTHERS 2.71% 

FINANCE 2.44% 

EPC 0.91% 

MEDIA 0.30% 



% in Equity 






I T C LTD. 4.30% 

N T P C LTD. 3.66% 



KANSAI NEROLAC PAINTS LTD. 2.75% 








TATA CHEMICALS LTD. 1.59% 





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Bluechip 





RISK PROFILE 



0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 

1 Year Since inception 





BENCHMARK 

Nifty 


NAV GROWTH 


Balancer 

Bluechip 



Blue Chip Fund ULIF 087 24/11/09 LBluChip 105 9.5 

Bluechip Benchmark Bluechip Benchmark 

13.00 

12.00 

11.00 

10.00 

9.00 

Multiplier 

Dynamic P/E 

Nov-09 Feb-10 Apr-10 Jul-10 Sep-10 Dec-10 Feb-11 May-11 Jul-11 Sep-11 


RICH 

Income 




Money Market 


PORTFOLIO 

AUM (Rs. Million): 707.91 

Preserver 

Flexi Growth 

Opportunity 

Pinnacle 


Allocation in 

Fund 

EQUITY 96.43% 


TOTAL 100.00% 



% in Equity 

BANK 24.24% 


OIL & GAS 12.67% 

FINANCE 9.66% 



EPC 4.93% 

TELECOM 4.90% 

CEMENT 3.28% 

AUTO 2.60% 

RETAIL 1.35% 


OTHERS 1.16% 





% in Equity 



I T C LTD. 9.24% 

HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.75% 

INDUSIND BANK LTD. 4.98% 







ALLAHABAD BANK 3.43% 




POWER FINANCE CORPN. LTD. 2.33% 

A C C LTD. 2.15% 


HINDALCO INDUSTRIES LTD. 1.74% 




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Income 




various fixed income securities. The Fund seeks to provide 



RISK PROFILE 



10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 

Risk 




Debt Instruments, Money Market & Cash 100 100 

BENCHMARK 



NAV GROWTH 


Balancer 


Income Benchmark Income Benchmark 

11.50 

11.25 

11.00 

10.75 

10.50 

10.25 

10.00 

9.75 

Multiplier 

Bluechip 

Dynamic P/E 

Income 


Income Fund ULIF 089 24/11/09 LIncome 105 11.311 

Nov-09 Feb-10 May-10 Aug-10 Oct-10 Jan-11 Apr-11 Jul-11 Sep-11 


RICH 




Money Market 


PORTFOLIO 


Preserver 

Flexi Growth 

Opportunity 

Pinnacle 














TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 42.15% 

1-5 years 31.58% 

5-7 years 1.78% 

7-10 years 19.68% 

> 10 years 4.82% 

TOTAL 100.00% 





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Money Market 





protect the capital deployed in the Fund. 

RISK PROFILE 



10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 

Risk 



NAV GROWTH 

Balancer 



Debt Instruments 50 0 


BENCHMARK 





Money Market Fund ULIF 090 24/11/09 LMoneyMkt 105 11.3137 

Money Market Benchmark Money Market Benchmark 

11.50 

11.25 

11.00 

10.75 

10.50 

10.25 

10.00 

Multiplier 

Bluechip 

Dynamic P/E 

Nov-09 Apr-10 Aug-10 Jan-11 May-11 Sep-11 


RICH 

Income 




Money Market 


PORTFOLIO 


Preserver 

Flexi Growth 

Opportunity 

Pinnacle 














TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 92.41% 

1-5 years 7.59% 

5-7 years 0.00% 

7-10 years 0.00% 

> 10 years 0.00% 

TOTAL 100.00% 


Average Maturity Of Debt Benchmark (months) 2.23 




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Opportunity 





companies operating in four important types of industries viz., 

Resources, Investment-related, Consumption-related and 


RISK PROFILE 



5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 

0.27% 


BENCHMARK 

BSE 200 


NAV GROWTH 


Balancer 



Opportunity Fund ULIF 086 24/11/09 LOpport 105 10.05 

Opportunity Benchmark Opportunity Benchmark 

13.00 

12.00 

11.00 

10.00 

9.00 

Multiplier 

Bluechip 

Dynamic P/E 


RICH 

Income 






Nov-09 Feb-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 



Money Market 


PORTFOLIO 


Preserver 

Flexi Growth 

Opportunity 

Pinnacle 


Allocation in 

Fund 

EQUITY 85.01% 


TOTAL 100.00% 



% in Equity 

BANK 16.59% 

OIL & GAS 12.57% 




FINANCE 6.77% 

AUTO 4.89% 

TELECOM 4.77% 

EPC 4.29% 


OTHERS 3.69% 

CEMENT 3.43% 


MEDIA 1.49% 



RETAIL 0.06% 



% in Equity 

I T C LTD. 8.57% 













A C C LTD. 1.87% 





ZEE ENTERTAINMENT ENTERPRISES LTD. 1.49% 




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Dynamic P/E 



To provide long term capital appreciation through dynamic 

asset allocation between equity and debt. The allocation in 

equity and equity related securities is determined by reference 

to the P/E multiple on the NIFTY 50; the remainder is to be 

invested in debt instruments, money market and cash. 

RISK PROFILE 


Risk 


5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

0.23% 


BENCHMARK 

NIFTY- 75% 

MIBEX - 25% 


NAV GROWTH 


Balancer 

Dynamic P/E 

DATE OF INCEPTION: Jan 11, 2010 


Dynamic P/E Fund ULIF 097 11/01/10 LDynmicPE 105 10.04 

Dynamic P/E Benchmark Dynamic P/E Benchmark 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 

9.50 

9.00 

Multiplier 

Bluechip 

Jan-10 Mar-10 Jun-10 Sep-10 Nov-10 Feb-11 Apr-11 Jul-11 Sep-11 


RICH 

Income 




Debt Instruments and Derivaties 100 0 % 

Equity and Equity related securities 100 0 % 



Money Market 


PORTFOLIO 



Allocation in 

Fund 

EQUITY 92.66% 

DEBT 2.82% 


TOTAL 100.00% 



% in Equity 

BANK 18.58% 


OIL & GAS 13.94% 


AUTO 8.14% 



% in Equity 




I T C LTD. 6.80% 








Preserver 

Flexi Growth 

Opportunity 

Pinnacle 














Average Maturity Of Debt Portfolio (months) 78.14 

Yield To Maturity Of Debt Portfolio 8.45% 


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RISK PROFILE 



2.00% 

0.00% 

-2.00% 

-4.00% 

-6.00% 

-8.00% 

-10.00% 

Risk 




Equity & Equity Related Securities 60 0 


BENCHMARK 

CNX 500 - 55% 

CRISIL - 45% 


NAV GROWTH 


Balancer 




Multi Cap Balanced Fund ULIF 088 24/11/09 LMCapBal 105 10.19 

12.00 

11.50 

11.00 

10.50 

10.00 

Multi Cap Balanced Benchmark Multi Cap Balanced Benchmark 

9.50 

Multiplier 

Bluechip 

Dynamic P/E 

Nov-09 Jul-10 Feb-11 Sep-11 


RICH 

Income 



Money Market 


PORTFOLIO 



Allocation in 

Fund 

EQUITY 49.73% 

DEBT 34.09% 


TOTAL 100.00% 



% in Equity 

BANK 19.34% 

OIL & GAS 11.16% 






% in Equity 

I T C LTD. 7.28% 











Preserver 

Flexi Growth 

Opportunity 

Pinnacle 














Average Maturity Of Debt Portfolio (months) 49.64 

Average Maturity Of Debt Benchmark (months) 34.36 

Yield To Maturity Of Debt Portfolio 9.56% 


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RISK PROFILE 



5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

Risk 


BENCHMARK 

CNX 500 


NAV GROWTH 


Balancer 



Multi Cap Growth Fund ULIF 085 24/11/09 LMCapGro 105 10.38 

8.50 

Nov-09 Feb-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 

Multi Cap Growth Benchmark Multi Cap Growth Benchmark 

13.00 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 

9.50 

9.00 

Multiplier 

Bluechip 

Dynamic P/E 


RICH 

Income 








Money Market 


PORTFOLIO 


Preserver 

Flexi Growth 

Opportunity 

Pinnacle 


Allocation in 

Fund 

EQUITY 84.58% 


TOTAL 100.00% 



% in Equity 

BANK 19.79% 

OIL & GAS 18.83% 



AUTO 6.81% 



OTHERS 4.45% 

TELECOM 4.37% 

CEMENT 4.18% 


FINANCE 3.07% 


EPC 0.83% 


MEDIA 0.14% 



% in Equity 




I T C LTD. 4.40% 







N T P C LTD. 2.96% 




COAL INDIA LTD. 2.26% 








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Pinnacle 



To generate optimal returns through an actively managed 

equity portfolio while using debt instruments to manage the 

guarantee. The fund would use equity and fixed income 

derivatives as permitted by IRDA from time to time. 

RISK PROFILE 



5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

Risk 


BENCHMARK 

- 


NAV GROWTH 


Balancer 

DATE OF INCEPTION: Oct 26, 2009 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 


Pinnacle Fund ULIF 081 26/10/09 LPinnacle 105 10.42 

Pinnacle Pinnacle 

9.50 

9.00 

Multiplier 

Oct-09 Jan-10 Mar-10 Jun-10 Sep-10 Nov-10 Feb-11 Apr-11 Jul-11 Sep-11 


RICH 



PORTFOLIO 


Pinnacle 


Allocation in 

Fund 

EQUITY 57.33% 

DEBT 41.85% 


TOTAL 100.00% 



% in Equity 

BANK 19.57% 


OIL & GAS 13.56% 


AUTO 7.93% 



% in Equity 




I T C LTD. 7.13% 








Preserver 

Flexi Growth 

Bluechip Income 

Money Market 

Opportunity 

Dynamic P/E 




Equity and Equity Related Securities 100 0 

Debt Instruments and derivatives 100 0 


















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Pension Balancer 



To provide a balance between long-term capital appreciation 

and current income through investment in equity as well as 

fixed income instruments in appropriate proportions 

depending on market conditions prevalent from time to time. 

RISK PROFILE 


Risk 


14.00% 

12.00% 

10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 


Pension Balancer Benchmark 

DATE OF INCEPTION: May 31, 2002 

BENCHMARK 

35% BSE 100 & 65% CRISIL Composite Bond Index 



Pension Balancer Fund ULIF 005 03/05/02 PBalancer1 105 29.97 

Pension Balancer Fund II ULIF 015 17/05/04 PBalancer2 105 22.42 

NAV GROWTH 

34.00 

32.00 

30.00 

28.00 

26.00 

24.00 

22.00 

20.00 

18.00 

16.00 

14.00 

12.00 

10.00 

8.00 

Linked Life Funds Linked Pension Funds 


Pension Multiplier 

Pension Bluechip 

Pension Dynamic P/E 

Pension Protector 

Pension RICH 

Pension Income 

Pension Multi Cap Balanced 





May-02 Jul-03 Sep-04 Nov-05 Jan-07 Mar-08 May-09 Jul-10 Sep-11 

Pension Balancer Benchmark 

Pension Maximiser 

Pension Flexi Balanced 

Pension Money Market 

Pension Multi Cap Growth 

PORTFOLIO 

Pension Preserver 

Pension Flexi Growth 

Pension Opportunity 



Allocation in 

Fund 

EQUITY 36.23% 

DEBT 60.64% 


TOTAL 100.00% 

Top 5 Sectors in Equity 


% in Equity 

BANK 26.40% 


OIL & GAS 12.65% 

FINANCE 10.09% 




% in Equity 



I T C LTD. 8.23% 








Debt Asset Allocation Allocation in Fund 

















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various fixed income securities. The fund seeks to provide 



RISK PROFILE 


Risk 


10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 


Pension Protector Benchmark 

BENCHMARK 



NAV GROWTH 






Pension Protector Fund ULIF 006 03/05/02 PProtect1 105 18.7892 

Pension Protector Fund II ULIF 017 17/05/04 PProtect2 105 16.1577 

19.00 

18.00 

17.00 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 




May-02 Apr-04 Feb-06 Jan-08 Nov-09 Sep-11 

Pension Protector Benchmark 


PORTFOLIO 


Pension RICH Pension Flexi Balanced Pension Flexi Growth 

















CORPORATE MONEY MARKET 

SECURITIES 5.72% 






OTHER CURRENT ASSETS AND 


TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 32.73% 

1-5 years 36.71% 

5-7 years 0.74% 

7-10 years 26.12% 

> 10 years 3.69% 

TOTAL 100.00% 






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To generate long-term capital appreciation through 

investment primarily in equity and equity-related instruments. 

RISK PROFILE 


Risk 


25.00% 

20.00% 

15.00% 

10.00% 

5.00% 

0.00% 


Pension Maximiser Benchmark 


BENCHMARK 

BSE 100 



Pension Maximiser Fund ULIF 004 03/05/02 PMaximis1 105 61.65 

Pension Maximiser Fund II ULIF 013 17/05/04 PMaximis2 105 35.92 

NAV GROWTH 

80.00 

74.00 

68.00 

62.00 

56.00 

50.00 

44.00 

38.00 

32.00 

26.00 

20.00 

14.00 

8.00 







May-02 Dec-03 Jul-05 Jan-07 Aug-08 Mar-10 Sep-11 

Pension Maximiser Benchmark 


PORTFOLIO 














Allocation in 

Fund 

EQUITY 91.67% 


TOTAL 100.00% 



% in Equity 

BANK 20.74% 



OIL & GAS 10.06% 

AUTO 8.93% 


TELECOM 5.98% 

CEMENT 5.51% 

FINANCE 3.64% 




EPC 1.16% 

RETAIL 1.10% 

OTHERS 0.33% 




% in Equity 





I T C LTD. 6.49% 







A C C LTD. 3.07% 


MARUTI SUZUKI INDIA LTD. 2.74% 




I C I INDIA LTD. 1.52% 





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protect the capital deployed in the fund. 

RISK PROFILE 


Risk 


10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 


Pension Preserver Benchmark 

DATE OF INCEPTION: June 22, 2004 

BENCHMARK 




Pension Preserver Fund ULIF 011 17/05/04 PPreserv 105 16.9771 

NAV GROWTH 

17.50 

16.50 

15.50 

14.50 

13.50 

12.50 

11.50 

10.50 

9.50 






Jun-04 Apr-06 Feb-08 Dec-09 Sep-11 

Pension Preserver Benchmark 



PORTFOLIO 









Debt instruments 50 0 


















TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 92.79% 

1-5 years 7.21% 

5-7 years 0.00% 

7-10 years 0.00% 

> 10 years 0.00% 

TOTAL 100.00% 






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RISK PROFILE 


Risk 


10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

-25.00% 


Pension Multiplier Benchmark 

BENCHMARK 

S&P CNX Nifty 


NAV GROWTH 




DATE OF INCEPTION: Feb 25, 2008 


Pension Multiplier Fund ULIF 043 25/02/08 PMultip1 105 9.28 

Pension Multiplier Fund II ULIF 045 25/02/08 PMultip2 105 9.58 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 

5.00 




4.00 

Feb-08 Nov-08 Aug-09 Apr-10 Jan-11 Sep-11 

Pension Multiplier Benchmark 


PORTFOLIO 














Allocation in 

Fund 

EQUITY 99.09% 


TOTAL 100.00% 



% in Equity 

BANK 24.23% 


OIL & GAS 11.73% 




TELECOM 5.40% 

EPC 5.01% 

AUTO 3.55% 

CEMENT 3.24% 

RETAIL 1.47% 



OTHERS 0.15% 



% in Equity 

I T C LTD. 9.24% 

















A C C LTD. 2.15% 


CANARA BANK 1.93% 



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Pension RICH 






Resources, Investment-realted, Consumption-related and 


RISK PROFILE 


Risk 


15.00% 

10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 


Pension R.I.C.H Benchmark 

BENCHMARK 

BSE 200 


NAV GROWTH 




Pension RICH 


Pension R.I.C.H. Fund ULIF 052 17/03/08 PRICH1 105 12.15 

Pension R.I.C.H. Fund II ULIF 053 17/03/08 PRICH2 105 12.48 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 

5.00 











Mar-08 Sep-08 Mar-09 Sep-09 Mar-10 Sep-10 Mar-11 Sep-11 

Pension R.I.C.H Benchmark 





PORTFOLIO 






Allocation in 

Fund 

EQUITY 92.39% 


TOTAL 100.00% 



% in Equity 

OIL & GAS 15.61% 

BANK 13.30% 



FINANCE 8.11% 

OTHERS 7.05% 



TELECOM 4.90% 

AUTO 4.51% 


CEMENT 2.84% 



EPC 1.06% 

MEDIA 0.12% 



% in Equity 


I T C LTD. 6.81% 







TATA POWER CO. LTD. 2.47% 






OIL INDIA LTD. 1.98% 








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instruments of large,mid and small cap companies and debt 


RISK PROFILE 


Risk 


10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 


Pension Flexi Balanced Benchmark 

BENCHMARK 

55% CNX 500 & 45% CRISIL Composite Bond Index 


NAV GROWTH 





Pension Flexi Balanced Fund ULIF 034 20/03/07 PFlexiBal1 105 13.78 

Pension Flexi Balanced Fund II ULIF 035 20/03/07 PFlexiBal2 105 14.31 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 





Mar-07 Feb-08 Jan-09 Dec-09 Oct-10 Sep-11 

Pension Flexi Balanced Benchmark 











PORTFOLIO 





Allocation in 

Fund 

EQUITY 54.49% 

DEBT 37.91% 


TOTAL 100.00% 



% in Equity 

BANK 14.47% 

OIL & GAS 13.07% 






% in Equity 

I T C LTD. 6.81% 























Average Maturity of Benchmark (Months) 34.36 




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RISK PROFILE 


Risk 


15.00% 

10.00% 

5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 


Pension Flexi Growth Benchmark 

BENCHMARK 

S&P CNX 500 


NAV GROWTH 





Pension Flexi Growth Fund ULIF 029 20/03/07 PFlexiGro1 105 13.59 

Pension Flexi Growth Fund II ULIF 030 20/03/07 PFlexiGro2 105 14.1 

19.00 

18.00 

17.00 

16.00 

15.00 

14.00 

13.00 

12.00 

11.00 

10.00 

9.00 

8.00 

7.00 

6.00 





Pension RICH 







Mar-07 Nov-07 Jul-08 Feb-09 Oct-09 Jun-10 Feb-11 Sep-11 

Pension Flexi Growth Benchmark 





PORTFOLIO 






Allocation in 

Fund 

EQUITY 94.02% 


TOTAL 100.00% 



% in Equity 

BANK 18.64% 

OIL & GAS 14.18% 




AUTO 7.57% 


OTHERS 5.30% 

CEMENT 4.01% 


TELECOM 3.57% 


FINANCE 2.34% 


EPC 0.14% 

MEDIA 0.01% 



% in Equity 






I T C LTD. 4.19% 


N T P C LTD. 3.40% 



KANSAI NEROLAC PAINTS LTD. 2.45% 







SATLUJ JAL VIDYUT NIGAM LIMITED 1.50% 





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RISK PROFILE 


Risk 


0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

-25.00% 


Pension Bluechip Benchmark 

BENCHMARK 

Nifty 


NAV GROWTH 






Pension Bluechip Fund ULIF 093 11/01/10 PBluChip 105 9.05 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 

9.50 

9.00 

8.50 




Jan-10 May-10 Sep-10 Jan-11 May-11 Sep-11 

Pension Bluechip Benchmark 


PORTFOLIO 














Allocation in 

Fund 

EQUITY 97.41% 


TOTAL 100.00% 



% in Equity 

BANK 24.35% 


OIL & GAS 12.08% 




EPC 5.00% 

TELECOM 3.96% 

CEMENT 3.39% 

AUTO 2.97% 


RETAIL 1.39% 

OTHERS 1.08% 




% in Equity 

I T C LTD. 9.43% 
















A C C LTD. 2.16% 


RURAL ELECTRIFICATION CORPN. LTD. 1.81% 




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various fixed income securities. The Fund seeks to provide 



RISK PROFILE 



8.00% 

7.00% 

6.00% 

5.00% 

4.00% 

3.00% 

2.00% 

1.00% 

0.00% 

Risk 


Pension Income Benchmark 

BENCHMARK 



NAV GROWTH 






Pension Income Fund ULIF 095 11/01/10 PIncome 105 11.1085 

11.25 

11.00 

10.75 

10.50 

10.25 

10.00 

9.75 






Pension Income Benchmark 


PORTFOLIO 







Debt Instruments, Money Market & Cash 100 100 

















TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 37.25% 

1-5 years 30.94% 

5-7 years 0.55% 

7-10 years 28.66% 

> 10 years 2.59% 

TOTAL 100.00% 





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protect the capital deployed in the Fund. 

RISK PROFILE 



10.00% 

8.00% 

6.00% 

4.00% 

2.00% 

0.00% 

Risk 


Pension Money Market Benchmark 

BENCHMARK 



NAV GROWTH 





Pension Money Market FundULIF 096 11/01/10 PMoneyMkt 105 11.2703 

11.40 

11.20 

11.00 

10.80 

10.60 

10.40 

10.20 

10.00 

9.80 






Pension Money Market Benchmark 



PORTFOLIO 








Debt Instruments 50 0 

















TOTAL 100.00% 


Allocation in 

Fund 

< 1 year 94.86% 

1-5 years 5.14% 

5-7 years 0.00% 

7-10 years 0.00% 

> 10 years 0.00% 

TOTAL 100.00% 





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Resources, Investment-related, Consumption-related and 


RISK PROFILE 


Risk 


0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 


Pension Opportunity Benchmark 

BENCHMARK 

BSE 200 


NAV GROWTH 





Pension Opportunities Fund ULIF 092 11/01/10 POpport 105 9.66 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 

9.50 

9.00 

8.50 






Pension Opportunity Benchmark 


PORTFOLIO 














Allocation in 

Fund 

EQUITY 86.55% 


TOTAL 100.00% 



% in Equity 

OIL & GAS 15.84% 

BANK 15.09% 




FINANCE 6.69% 

OTHERS 6.05% 

TELECOM 5.52% 



EPC 3.42% 

AUTO 3.30% 

CEMENT 2.45% 



MEDIA 0.78% 

RETAIL 0.01% 



% in Equity 


I T C LTD. 6.93% 










KALPATARU POWER TRANSMISSION LTD. 2.14% 


NESTLE INDIA LTD. 1.78% 


GODREJ CONSUMER PRODUCTS LTD. 1.69% 

N T P C LTD. 1.64% 



OIL INDIA LTD. 1.53% 



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To provide long term capital appreciation through dynamic 

asset allocation between equity and debt. The allocation in 

equity and equity related securities is determined by reference 

to the P/E multiple on the NIFTY 50; the remainder is to be 

invested in debt instruments, money market and cash. 

RISK PROFILE 


Risk 


0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 


Pension Dynamic P/E Benchmark 

BENCHMARK 

NIFTY- 75% 

MIBEX - 25% 


NAV GROWTH 






Pension Dynamic P/E Fund ULIF 098 11/01/10 PDynmicPE 105 9.89 

12.50 

12.00 

11.50 

11.00 

10.50 

10.00 

9.50 

9.00 





Pension Dynamic P/E Benchmark 


PORTFOLIO 







Debt Instruments and Derivaties 100 0 

Equity and Equity related securities 100 0 






Allocation in 

Fund 

EQUITY 94.04% 

DEBT 2.66% 


TOTAL 100.00% 



% in Equity 

BANK 19.19% 


OIL & GAS 13.91% 


AUTO 8.09% 



% in Equity 




I T C LTD. 6.79% 























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RISK PROFILE 



0.00% 

-2.00% 

-4.00% 

-6.00% 

-8.00% 

-10.00% 

Risk 


Pension Multi Cap Balanced Benchmark 

BENCHMARK 

CNX 500 - 55% 

CRISIL Composite Bond Index - 45% 


NAV GROWTH 






Pension MultiCapB alanced F und ULIF 094 11/01/10 PMCapBal 105 9.8 

11.25 

11.00 

10.75 

10.50 

10.25 

10.00 

9.75 

9.50 

9.25 






Pension Multi Cap Balanced Benchmark 


PORTFOLIO 













Allocation in 

Fund 

EQUITY 49.81% 

DEBT 28.89% 


TOTAL 100.00% 



% in Equity 

BANK 19.11% 

OIL & GAS 10.20% 






% in Equity 

I T C LTD. 7.03% 


























Click Here







RISK PROFILE 


Risk 


5.00% 

0.00% 

-5.00% 

-10.00% 

-15.00% 

-20.00% 

1.33% 


Pension Multi Cap Growth Benchmark 

BENCHMARK 

CNX 500 


NAV GROWTH 





Pension MultiCapGrowth F und ULIF 091 11/01/10 PMCapGro 105 10.23 

12.50 

11.50 

10.50 

9.50 

8.50 






Pension Multi Cap Growth Benchmark 



PORTFOLIO 













Allocation in 

Fund 

EQUITY 89.23% 


TOTAL 100.00% 



% in Equity 

BANK 19.36% 

OIL & GAS 18.74% 


AUTO 9.65% 





TELECOM 4.15% 

CEMENT 3.75% 

OTHERS 3.07% 

FINANCE 2.74% 



EPC 0.17% 



% in Equity 





I T C LTD. 4.85% 








N T P C LTD. 2.71% 










Click Here

Product - Fund Matrix 


Life Stage Regular Premium 

LifeStage Assure 

1. Balancer 

2. Protector 

3. Maximiser 

4. Preserver 

5. Multiplier 

6. RICH 

7. Flexi Balanced 

8. Flexi Growth 

9. Bluechip 

10. Income 

11. Money Market 

12. Opportunity 

13. Dynamic P/E 

14. Multi Cap Balanced 

15. Multi Cap Growth 

16. Pinnacle Fund 

LIfeTime Plus 

IV 

IV 

IV 

IV 

IV 

IV 

IV 

IV 

LIfeTime Gold 

IV 

IV 

IV 

IV 

IV 

IV 

IV 

LifeTime Super 

LIfeTime II 

Life Time 








UIN Nos. LifeStage Regular Premium - 105L073V01, LifeStage Assure - 105L083V01, LIfeTime Plus - 105L054V01, LIfeTime Gold - 105L077V01, LifeTime Super - 105L056V01, LIfeTime II - 

105L031V01, Life Time - 105L013V01, Premier Life Gold - 105L061V01, Premier Life - 105L037V01, Wealth Advantage - 105L085V01, LifeLink Super - 105L053V01, LifeLink II - 

105L033V01, LIfeLink - 105N003V01, SmartKid New ULRP - 105L058V01, SmartKid ULRP Plan II - 105L036V01 , SmartKid ULRP - 105L028V01, SmartKid New Unit Linked SP - 105L059V01, 

SmartKid ULSP II - 105L035V01, Golden Years - 105L047V01, SmartKid Unit Linked SP - 105L029V01, Ace - 105L105V01, Assure Wealth Plus - 105L098V01, Assure Wealth Super - 

105L098V01, LifeStage Wealth - 105L103V01, Premier Wealth - 105L097V01, SmartKid Assure - 105L106V01, SmartKid Maxima - 105L104V01, Life Stage Wealth II - 105L118V01, Life Link 

Wealth SP - 105L111V01, Life Time Premier - 105L112V01, Life Time Maxima - 105L096V01, Pinnacle - 105L097V01 

For information on other funds Click Here 

II 

II 

II 

I 

II 

II 

II 

II 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

Premier Life Gold 

II 

II 

II 

I 

II 

II 

II 

Wealth Advantage 

Premier Life 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

LifeLink Super 

II 

II 

II 

I 

II 

II 

SmartKid New ULRP 

LIfeLink 

LifeLink II 

II 

II 

I 

II 

II 

II 

II 

III 

III 

III 

III 

III 

III 

III 

III 

SmartKid New Unit Linked SP 

SmartKid ULRP 

SmartKid ULRP Plan II 

II 

II 

II 

I 

II 

II 

II 

I 

I 

I 

I 

I 

I 

I 

II 

II 

II 

I 

II 

II 

II 

II 

II 

II 

II 

I 

II 

II 

II 

SmartKid ULSP II 

I 

I 

I 

I 

I 

I 

I 

SmartKid Unit Linked SP 

Golden Years 

II 

II 

II 

I 

II 

II 

II 

II 

II 

II 

II 

I 

II 

I 

I 

Assure Wealth Plus 

Ace 

II 

II 

II 

I 

II 

II 

II 

Assure Wealth Super 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

LifeStage Wealth 

I 

I 

I 

I 

I 

I 

I 

Premier Wealth 

I 

I 

I 

I 

I 

I 

I 

SmartKid Assure 

I 

I 

I 

I 

I 

I 

I 

SmartKid Maxima 

Life Stage Wealth II 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

Life Link Wealth SP 

I 

I 

I 

I 

I 

I 

I 

Life Time Premier 

I 

I 

I 

I 

I 

I 

I 

Life Time Maxima 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

Pinnacle 

I 

I 

I 

I 

I 

I 

I 

•

Product - Fund Matrix 


LifeStage Pension 






Pension RICH 










LifeTime Super Pension 

I 

I 

I 

I 

I 

I 

I 

I 

LifeTime Pension II 

II 

II 

I 

II 

II 

II 

II 

LifeTime Pension 

PremierLife Pension 

II 

II 

II 

I 

II 

II 

II 

LifeLink Super Pension 

I 

I 

I 

I 

I 

I 

I 



II 

II 

II 

I 

II 

II 

II 

II 


LifeLink Pension II 

II 

II 

II 

I 

II 

II 

II 

II 

LifeLink Pension 

II 

II 

II 

I 

II 

II 

II 

LifeStage Assure Pension 

Elite Pension 

I 

I 

I 

I 

I 

I 

I 

II 

II 

I 

II 

II 

II 

II 



LifeStage Pension Advantage 

Assure Pension 

II 

II 

I 

II 

II 

II 

II 

LifeTime Pension Maxima 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

I 

Elite Pension II 

I 

I 

I 

I 

I 

I 

I 


I 

I 

I 

I 

I 

I 

I 


UIN Nos. LifeStage Pension - 105L100V01, LifeTime Super Pension - 105L055V01, LifeTime Pension II - 105L032V01, LifeTime Pension - 105L015V01, PremierLife Pension - 105L074V01, 

LifeLink Super Pension - 105L057V01, LifeLink Pension II - 105L034V01, LifeLink Pension - 105N003V01, Elite Pension - 105L094V01, LifeStage Assure Pension - 105L092V01, 

Assure Pension - 105L102V01, LifeStage Pension Advantage - 105L100V01, LifeTime Pension Maxima - 105L101V01, Elite Pension II - 105L099V01 

For information on other funds Click Here

The Investment Team 

Advises 

Overall Advice 




• With volatility expected to continue in the near future, ATS may be used for any new 

investments. 

• For existing investments, determine your risk profile and optimal asset allocation if not 

already done so. Determine the current asset allocation of your overall investment 

portfolio. Make suitable adjustment to your portfolio to bring it in line with your 

optimal asset allocation. You can use Switch or ATS facilities to easily adjust your 

asset allocation. 



ICICI Prudential Highlights 

Investment Team 


• We are one of the market leaders in the Indian private life insurance space 

• We currently have over Rs. 64,000 cr (as on September 30, 2011) in assets under 

management. 

• We are capitalized at Rs. 4,789 cr making us one of India's highest capitalized 

companies across sectors 

• Mr. Manish Kumar 

• Mr. Jitendra Arora 

Executive Vice President Senior Vice President 

• Mr. Arun Srinivasan • Mr. Lakshmikanth Reddy 

Senior Vice President Executive Vice President 

• Ms. Meghana Baji 

Senior Vice President 


Find your Fund

The 5 Mantras of 

Financial Freedom 

Start Early, Stay Long Term 





Managing one's financial investments may appear very complicated given all the confusing 

advice around and the jargon people often use. We will give you an overview of how we 

manage the complex part on the next page. Here, we discuss the critical few things you need to 

keep in mind. Think of them as your mantras of financial freedom. 

While most of us know this, few recognize the incredible 

‘power of compounding' that forms the basis of this 

maxim. For example, a person who invests Rs. 2 lac each 

year for 30 years and another person who invests Rs. 3 lac 

each year for 20 years would both have invested Rs. 60 

lacs. However, at 10% rate of return, the first person will 

end up with over Rs. 3.6 crore and the second person with 

not even Rs. 1.9 crore, a difference of almost 50% ! The 

messege is clear, resist the temptation to splurge today. 

Go that extra mile to invest whatever you can as early as 

you can. Your Golden Years depend on it! 

This is a key decision to be taken and is responsible 

for attaining the significant returns that one gets 

over a long period of time. Asset allocation basically 

refers to the balance an investor maintains between 

his or her exposure to debt and equity instruments. 

The greater a person's risk taking ability the more 

investments he should assign to equity, and the 

higher will be the returns he will potentially make in 

the long-run. Risk appetite in turn depends on 

factors like age, income, dependants, investment horizon, inherent risk appetite, etc. Based on 

these parameters, an investor may calculate his optimal asset allocation using the calculator on 

our website. One should invest sticking closely to this asset allocation. Every quarter, asset 

allocation of one's investments should be reviewed and the fund switch feature should be used 

to bring asset allocation back in line with optimal asset allocation. Through this mechanism, 

one systematically invests more in equities when markets are low and less when markets are 

high, thus generating superior returns in the long run without worrying about things like 

timing the market. 






Goal Based Investing 

We all invest with certain goals in mind which can range 

from buying a car, to children’s higher education, to 

retirement. It is important to recognize these goals and 

build a plan suitable for each. One needs to particularly 

take note of the time horizon and level of risk one can take 

for each of these goals. For instance, if next year one plans 

to send his daughter to a foreign university, he cannot 

take any risks and it would be best to invest in something 

like a fixed deposit. Conversely with something like 

retirement, this if a long time away, one must have some 

exposure to equities since one can tolerate short term 

volatility for better returns in the long run. 

Regular Investments 

This is another piece of advice that we hear very often and 

which has its basis in a key concept called ‘rupee cost 

averaging’. The simple fact to recognize is that no one can 

consistently time the market. In fact we make things 

worse by trying to time the market, because our 

psychology is such that we generally invest more when 

markets are high and everybody is cheerful, and likewise 

become fearful and invest less when markets are low, 

whereas we should be doing the opposite! Rupee Cost Averaging implies that by sticking to a 

systematic plan of investing regularly, say every month or quarter, we minimize the risk of 

entering the market when it is at its peak or missing our when valuations are at their most 

attractive. The Automatic Transfer Strategy (ATS) is an ideal tool to ensure regular investments. 

Cover Your Financial Risks 

We have all heard stories from friends or relatives about 

how a sudden illness or death completely degraded the 

lifestyle of someone they knew. Some of us take the 

cavalier attitude “Oh that will never happen to me”. 

Likewise there will be others who worry excessively and 

become victims of fear keeping their savings in liquid 

assets thus foregoing higher returns. Of course, the smart 

ones insure away all their risks, and their fears. For a fee 

(premium), insurance companies can insure against 

almost all risks such as death, illness, accidental disability, even house theft or fire. It is 

important to adequately cover the financial risks and live a life free from the burden of fear or 

low yielding ‘emergency funds’. For more details on how much life cover you need use the 

human life value calculator on our website.

How we go about 

Managing your Money 

The cornerstone of our investment philosophy is the investment policy put in place by our board's investment committee keeping in mind policyholders' long-term interests and regulatory 

norms. Following are some of the salient features of our investment philosophy as detailed in this charter: 

Process-driven approach to investments: 

Every fund has a defined investment objective, 

a benchmark suitable to the objective and predecided 

style of investing so that fund 

performance is not a function only of a specific 

fund manager's skill but rather an outcome of 

policy defined features. 

Policyholders in insurance 

products commit money 

for the long-term and the 

investment performance 

cannot be purely subject 

t o a s p e c i f i c f u n d 

m a n a g e r ' s s k i l l o r 

competence who may or 

may not be consistent 

over the long-term. 

Safety is paramount: 

One of our primary 

objectives is the safety of 

your investments and 

stability of returns. We 

e n s u r e t h a t o u r 

investment portfolio is 

adequately diversified 

and adheres to high standards of quality. Our 

investment policy does not permit us to follow 

risky strategies, whatever be the reward, such 

as holding poor quality credit or under 

diversified portfolios, etc. 









Superior risk adjusted returns: The investment 

policy has well defined limits on permissible risks 

that can be taken even as it gives freedom to fund 

managers to out perform the relevant benchmarks. 

The idea is not only to earn high returns but to do so 

without taking high risks. We have a qualified and 

experienced team of fund 

managers who continuously 

analyze the factors affecting 

market movements like 

economic fundamentals, 

institutional fund flows and 

market sentiment. Their 

constant endeavour is to 

maximize risk adjusted returns. 

Regulatory guidelines: Life 

insurance companies in India 

are regulated by Insurance 

Regulatory Development 

Authority (IRDA), and these 

regulations focus on: 

(I) safety of investors' money 

by defining a minimum 

acceptable quality of the investment portfolio, and 

(ii) transparency in terms of adequate disclosures 

about portfolio.



Fund: This is a collective pool of money created from 

individual investments such that each individual shares risks 

and rewards in the proportion of their contribution. Since a 

fund is managed as a single investment vehicle, all the 

investors will face the same risks and rewards. A 

professional fund manager invests the fund according to 

the objective of the fund defined in the offer document or 

policy document. In case of a policyholder who pays 

premium, a predetermined part of this is used to pay for life 

cover and other expenses. The remaining part of the 

premium is the investment which is put in the various funds 

(such as Maximiser and Balancer) as per the investor’s 

instructions. The investor is free to change the allocation of 

investments at any time during the term of the policy. 

NAV: Net Asset Value of a fund on a given day is the total 

closing value of the securities held in the portfolio of the 

fund divided by the number of units outstanding. When a 

person invests a sum (say Rs. 10000) in a fund on a certain 

day when the NAV was Rs. 20 per unit he is assigned 

10000÷20=500 units. On any given day, the investor can 

find the value of his investment in the fund by multiplying 

the units he holds by the NAV of the day. So if the NAV of the 

fund has become Rs. 30 per unit, the investor can calculate 

the value of his holdings as 500x30=Rs. 15000. The NAV 

changes with changes in value of investments in the fund. 

Risk: Concept of risk of an investment essentially captures 

the possibility of loss in that investment. Risk, in terms of 

portfolio management, is defined as variability of the 

returns of a fund or more correctly expected variability. So if 

fund A and fund B both given 10% annualized returns, 

however fund A gives this same 10% consistently every year 

but fund B gives 3% in one year, 12% in another year and 

so on but still averages 10% per annum in the long run, 

then fund B is said to be more risky than fund A. Risk is 

generally measured as standard deviation or variance of 

returns. For similar levels of returns a rational investor will 

always choose the least risky asset. 

Returns: Return is the reward one has got for taking risk 

and giving time. Absolute rate of return (or simply return) in 

a period is the ratio of increase (or decrease) in the NAV of 

the fund at the end of the period over the NAV at the start of 






the period. Generally when reporting for a period longer 

than 1 year, the return is annualized (generally using the 

CAGR method) for the purpose of comparison. For example 

if in the last 1 year, the NAV of a fund has increased from Rs. 

20 to Rs. 25, then absolute return (and in this case the 

annualized return as well) is (25-20)÷20=25%. If over the 

last 2 years, the NAV has grown from Rs. 15 to Rs. 30 then 

the absolute return in 2 years is (30-15)÷15=100%; 

however the annualized return, or compound annual 

growth rate is 41.4% per annum. 

Benchmark: Every investment has to have a yardstick to 

evaluate whether it has met the objective of investment. A 

benchmark is a standard against which the performance of 

a fund can be compared. The benchmark for each fund is 

predetermined based on the investment objective and 

target asset allocation of the fund. At a macro level, a 

benchmark captures the average returns of all funds which 

have the same objective and funds that perform better than 

the benchmark can be said to be better than the average. 

Benchmarks can be either those that are readily available in 

the market or synthetically created. For example, Maximiser- 

a pure equity fund uses an equity benchmark the BSE 100, 

where as Balancer- a fund that invests 35% in equity and 

65% in debt uses a synthetic benchmark 

consisting of 35% BSE 100 and 65% CRISIL composite 

bond index. 

Debt: Debt or fixed income as an asset class refers to 

investment in securities that have well defined pay offs, and 

mostly pf a fixed nature or a fixed rate of return for a fixed 

period. Because of the fixed nature of returns debts as an 

asset class is less risky than equity. All securities where the 

borrower is the government are classified as government 

securities or gifts and have a negligible level of risk of 

default, i.e., Non-payment. Other borrowers have varying 

levels of risk of default, determined by a neutral third party 

such as CRISIL or Moody by looking at the financial strength 

of the borrower and being described in the rating of the 

security where AAA is the safest followed by AA+,AA and 

so on. Among debt securities there are various types of 

instruments viz., money market instruments, Certificate of 

Deposits, Fixed Deposits, Corporate bonds, Gifts, Loans, 

etc., which have different maturity, risk and reward profiles. 




Equity: Equity investment means holding shares of 

companies, meaning that the investor is taking part 

ownership of a company rather that lending to the 

company. As a part owner of a business, the shareholder 

shares all the risks and rewards of the business. Several 

factors lead to appreciation in equity investments - all of 

which in some way relate to current and future prospects of 

the business of the company, also called fundamentals. 

Because of the variable nature of these factors, equity 

investments are more risky than debt investments, but have 

historically shown signifantly better returns in the long-run 

(investment horizon greater than 5 years). 

Sharpe Ratio: This is a popular measure of risk adjusted 

returns. This is an important measure because it is 

inaccurate to compare the returns of funds that have 

different risk profiles or objectives. For instance, fund A may 

perform better than fund B but this may be because it is 

investing in small cap companies that are more risky. Sharpe 

ratio helps to compare the returns of funds taking into 

account the riskiness of returns, and is defined as reward of 

investing in a risky asset per unit risk taken. More accurately, 

it is measured as: 

Sharpe Ratio = Annualized Excess Return 

Annualized Std Deviation of Excess Returns 

Excess Return is the difference between the fund return and 

the risk free rate of return. Standard Deviation is a common 

measure of risk. So a higher Sharpe Ratio means a fund has 

given superior returns (over an asset that has no risk such as 

a government security) for every unit of risk. 

ATS: Automatic Transfer Strategy helps to mitigate any risk 

arising from market volatility by ensuring that you buy more 

units at lesser prices and fewer units when prices are high. 

Under ATS you can invest your entire premium in our money 

market funds (which are more conservative funds) and at 

predefined regular monthly intervals, i.e. 1st or 15th of 

every month, a fixed amount chosen by you is transferred to 

any one of the chosen equity based fund options available 

under the plan. This facility is available for customers opting 

for Fixed Portfolio Strategy and is FREE of charge.

Contact Us 

Visit our website: 

www.iciciprulife.com 




Choose a convenient contact option from the following 

Exclusive SMS Helpline: 

SMS ‘INFO’ to 56767 



Email us at: 

lifeline@iciciprulife.com 

IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. This document is for information purposes only. It does not constitute any 

recommendation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute any prediction of likely future movements in NAVs. All opinions given here 

are general in nature and clients should take into account their personal investment objectives, risk appetite and other aspects of their financial situation before making an investment decision. 

Please invest or make any decision regarding your financial activities only after consulting your financial advisor. ICICI Prudential shall not be responsible for any losses caused or any claims that 

arise due to investments made based on this newsletter. All fund performances published in this newsletter are based on past performance and do not imply that future performance will be 

similar. Please note that the funds are invested in capital markets and are hence exposed to the market risks inherent in such investments. While every effort has been made to ensure accuracy of 

the contents of this newsletter the Company cannot be held responsible for any errors, opinions or projections published herein. © 2009, ICICI Prudential Life Insurance Company Ltd. Registered 

Office: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025. Reg. No. 105, Insurance is the subject matter of the solicitation. Unlike traditional products, Unit 

linked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his/her decision. The name of the Company, or names of the 

product or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. Investments are subject to market risk. Past performance 

may not be guide to future performance, which may be different. Comp/doc/2009/VR1 

For more details please contact your financial advisors or log on to our website www.iciciprulife.com or email us at lifeline@iciciprulife.com 




Call toll-free on: 

1-800-22-2020

Ensure Brochure Oct 2011

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