Canara HSBC Life Insurance Company · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
10
Answered directly
60%
Numeric claims
0
Consistency
—
Question ledger
Mohit Mangal · Sentum
partialfor the full year and this is without taking any management action it will be about 2.25% but we have we have taken couple of measures and through that we are confident that we will be able to kind of retain our current new business margins going forward
Mohit Mangal · Sentum
evasiveit's basically the customer demand which is quite evident in the market... there's no problem with the unit link business as long as you can protect your margins and we have taken number of measures uh to kind of protect our VNB margins.
Sarnab Mukharji · BNK Securities
partialas we are ramping up agency this year in a phase manner so we don't expect any impact uh uh significant impact uh on u the various parameter one is the cost second one is uh you know your uh BNB margin and other financial parameters
Sarnab Mukharji · BNK Securities
directthere are three uh things which we are doing... rationalization of our operating expenses... product mix shift... commission rationalization... we have already agreed to the agreement with most of the distributors that uh uh the impact will be neutralized uh on the commission side.
Sarnab Mukharji · BNK Securities
partialout of uh 8% uh the protection majority of the businesses uh contribution is done by uh the group create life... almost uh you know 75% is coming from um group protection... on persistency... this change which happened in GST many customers actually decided to kind of the clarification also came there was deferment of uh premium payment by customers.
Nidesh · Investec
directon the anity side so we have seen uh good uh we've seen a potential of anity in terms of the market and there is good margin... most of our about 80 to 90% of the anity portfolio comes from actually the regular fee deferred annity
Nidesh · Investec
directbroadly 70% of the business comes from camera and another 14 to 15% comes from HSBC and remaining is alternate channels
Nidesh · Investec
evasiveinching towards that we can say that.
Vinod Rajani · Nirmal Bank
partialwe are going to ramp up in a phased manner... we will not like to see any VNB compression on account of agency... on the rider attachments... in the recent business that we are selling this year it's about 65 to 70% already and we are only looking to increase this further.
Sukrit Patil · Eyesight Fint Trade Private Limited
directour focus will continue to be on the bank insurance business along with ramping up the agency... we have achieved very high level of digitization roughly 99% of our business we acquire digitally... 85% of customer service requests are on DIY journeys.
Sukrit Patil · Eyesight Fint Trade Private Limited
directproduct mix play a very important role... cost management is another lever... consistency which is basically a right sale need-based sale... these three things are very very critical.
Pen · Research desk
directwe have been constantly working on this... increased hedging... working on the duration of our assets... What percentage of nonpar is about about 70%... intention to go upwards up to 80%.
