CRISIL Unit Linked Insurance Plan Ranking. As on October 2017

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1 CRISIL Unit Linked Insurance Plan Ranking As on October 2017

2 ULIP categories For the purpose of ranking, ULIPs are classified under four categories: Wealth I Regular, Wealth I Single, Wealth II Regular and Child. Sr. No. Category 1 Wealth I Regular 2 Wealth I Single Wealth II Regular 4 Child Description These are conventional ULIP plans, where an investor pays regular premiums till the policy matures and receives fund value on maturity. Such policies offer the higher of sum assured, minimum death benefit or fund value in the event of death of the insured. These are conventional ULIP plans, where an investor pays a onetime premium and receives fund value on maturity. Such policies offer the higher of sum assured, minimum death benefit or fund value in the event of death of the insured. These are conventional ULIP plans, where an investor pays regular premium till the policy matures and receives fund value on maturity. Such policies, offer both sum assured and fund value in the event of death of the insured. The primary life insured is the parent and in case of parent s death, child receives the sum assured immediately and future premiums are waived off and on maturity fund value is given to the child. Cluster ranking Definition and interpretation of cluster ranks: Cluster Rank* Interpretation Cost Interpretation Performance 1 Low cost Very good performance in the category (top 10 percentile of the universe) 2 Below average cost Good performance in the category Average cost Average performance in the category 4 Above average cost Below average performance in the category 5 Relatively high cost Relatively weak performance in the category * If the top 10 percentile figure is not an integer, the same is rounded off to the nearest integer. The same approach is adopted for CRISIL ULIP Rank 2 (11 th to 0 th percentile), CRISIL ULIP Rank 5 (last 91 st to 100 th percentile) and CRISIL ULIP Rank 4 (71 st to 90 th percentile) clusters. The residual schemes in the universe are placed under CRISIL ULIP Rank. 2

3 ULIPs ranking Wealth I Regular Insurance company ULIP Cost rank Largecap oriented Bajaj Allianz Life Future Gain 1 Edelweiss Tokio Life Wealth Ultima 1 Reliance Nippon Life Smart Savings 1 Aditya Birla Sun life Fortune Elite 2 Edelweiss Tokio Life Wealth Accumulation (Accelerated Cover) Kotak Mahindra Life Invest Maxima 2 Reliance Nippon Life Premier Wealth 2 SBI Life Smart Wealth Builder 2 2 Equity Growth II Bluechip Equity Midcap oriented Accelerator Mid Cap II Debt long term Bond 2 4 Equity Large Cap Equity Top 250 Bond 1 2 Life Equity Life Corporate Bond 1 Maximiser Super 20 Multiplier Income Advantage Assure 4 2 Equity Large Cap Equity Top 250 Bond 1 2 Classic Frontline Equity Dynamic Bond Dynamic Gilt 2 2 Life Equity Life Corporate Bond 1 Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2

4 Insurance company ULIP Cost rank Largecap oriented Tata AIA Life Fortune Pro 2 Aditya Birla Sun life Wealth Aspire Aegon Life Future Protect Large Cap Equity Top 50 Top 200 Midcap oriented Mid Cap Equity Debt long term Income ShortTerm Fixed Income Maximiser Super 20 Multiplier Income Advantage Assure 4 2 Accelerator Debt Secure Canara HSBC Oriental Bank of Commerce Life Dream Smart Equity II Debt Plus 4 4 Canara HSBC Oriental Bank of Commerce Life Smart Goals Equity II Debt Plus 4 4 DHFL Pramerica Life Smart Wealth + Future Generali India Life Wealth Protect Plan HDFC Life ProGrowth Plus IDBI Federal Life Wealth Gain Kotak Mahindra Life Ace Investment Kotak Mahindra Life Platinum Large Cap Equity Debt 5 4 Opportunity Income 4 4 Blue Chip Income 5 Midcap Bond Income Classic Frontline Equity Dynamic Bond Dynamic Gilt 2 2 Classic Frontline Equity Dynamic Bond Dynamic Gilt 2 2 4

5 Insurance company ULIP Cost rank Largecap oriented Max Life Fast Track Super Exide Life Future Generali India Life HDFC Life HDFC Life Wealth Maxima Invest Bima Advantage Plus 4 ProGrowth Flexi Life Option Sampoorn Nivesh Classic Benefit (Life Option) PNB MetLife Easy Super 4 Reliance Nippon Life Classic Plan II 4 Exide Life Prospering Life Plus 5 IndiaFirst Life Money Balance 5 IndiaFirst Life Smart Save Midcap oriented Debt long term Growth Super Secure Secure Plus 2 2 Prime Equity Preserver 4 Opportunity Income 4 4 Blue Chip Income 5 Blue Chip Income 5 Virtue II Flexi Cap Multiplier II Protector II Preserver II Life Equity Life Corporate Bond 1 Prime Equity Preserver 4 Value Equity1 Debt Value Equity1 Debt 5

6 Wealth I Single Insurance company ULIP Cost rank Largecap oriented Midcap oriented Debt long term Canara HSBC Oriental Bank of Commerce Life Shubh Labh 1 Equity II Debt Plus 4 4 SBI Life Smart Privilege 1 Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2 Canara HSBC Oriental Bank of Commerce Life Smart One Pay 2 Equity II Debt Plus 4 4 ICICI Prudential Life Elite Life Super 2 Multi Cap Growth Maximiser V Bluechip Income ICICI Prudential Life Elite Wealth Super 2 Multi Cap Growth Maximiser V Bluechip Income ICICI Prudential Life Lifetime classic 2 Multi Cap Growth Maximiser V Bluechip Income Aditya Birla Sun life Wealth Max Maximiser Super 20 Multiplier Income Advantage Assure 4 2 6

7 Insurance company ULIP Cost rank Largecap oriented Midcap oriented Debt long term Bajaj Allianz Life Fortune Gain DHFL Pramerica Life Wealth+ACE Equity Growth II Bluechip Equity Accelerator Mid Cap II Bond 2 4 Large Cap Equity Debt 5 4 Edelweiss Tokio Life Wealth Enhancement Ace Equity Large Cap Equity Top 250 Bond 1 2 IDBI Federal Life Wealthsurance Growth SP Midcap Bond Income IndiaFirst Life Wealth Maximizer Plan Reliance Nippon Life Premier Wealth SBI Life Smart Elite Gold SBI Life Smart Wealth Builder Value Equity1 Debt Life Equity Life Corporate Bond 1 Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2 Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2 7

8 Insurance company ULIP Cost rank Largecap oriented Tata AIA Life InvestOne HDFC Life Sampoorn Nivesh Classic Benefit (Life Option) Reliance Nippon Life Classic Plan II 4 SBI Life Smart Wealth Assure 4 Shriram Life Fortune Builder 4 4 Large Cap Equity Top 50 Top 200 Midcap oriented Mid Cap Equity Debt long term Income ShortTerm Fixed Income Blue Chip Income 5 Life Equity Life Corporate Bond 1 Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2 Accelerator Preserver 5 1 Exide Life Prospering Life SP 5 Tata AIA Life Wealth Pro 5 Prime Equity Preserver 4 Large Cap Equity Top 50 Top 200 Mid Cap Equity Income ShortTerm Fixed Income

9 Wealth II Regular Insurance company ULIP Cost rank Largecap oriented Midcap oriented Debt long term ICICI Prudential Life Life Time Classic 1 Multi Cap Growth Maximiser V Bluechip Income Edelweiss Tokio Life Wealth Accumulation (Cover Plus) 2 Equity Large Cap Equity Top 250 Bond 1 2 Aegon Life Future Protect Plus Accelerator Debt Secure Exide Life Wealth Maxima Family Prime Equity Preserver 4 HDFC Life Sampoorn Nivesh Classic Plus Benefit Blue Chip Income 5 Shriram Life Wealth Plus 4 Accelerator Preserver 5 1 HDFC Life SL ProGrowth Super II Life Option 5 Blue Chip Income 5 9

10 Child Insurance company ULIP Cost Largecap oriented ICICI Prudential Life Smart Life 1 Multi Cap Growth Maximiser V Bluechip Midcap oriented Debt long term Income Exide Life IDBI Federal Life Wealth Maxima Child Wealthsurance Future Star SBI Life Smart Scholar 2 Aegon Life Rising Star Canara HSBC Oriental Bank of Commerce Life Canara HSBC Oriental Bank of Commerce Life Kotak Mahindra Life Future Smart Smart Future Headstart Child Assure Max Life Shiksha Plus Super 2 2 Prime Equity Preserver 4 Midcap Bond Income Equity elite fund II Equity Equity Optimiser Top 00 Bond 2 2 Accelerator Debt Secure Equity II Debt Plus 4 4 Equity II Debt Plus 4 4 Classic Frontline Equity Dynamic Bond Dynamic Gilt 2 2 Growth Super Secure Secure Plus

11 Insurance company ULIP Cost Largecap oriented IndiaFirst Life Happy India 4 Midcap oriented Debt long term Value Equity1 Debt Kotak Mahindra Life Wealth 4 Classic Frontline Equity Dynamic Bond Dynamic Gilt PNB MetLife Smart Child 4 HDFC Life SL Youngstar Super Premium Life Option Virtue II Flexi Cap Multiplier II Protector II Preserver II Blue Chip Income 5 11

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