Should I Invest in LIC? Analysis of Indian Life Insurance Industry | SBI Life, HDFC Life & ICICI Pru

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It’s said a person understands the value of life when Yamaraj comes around. Fortunately, you won't have to look beyond this video to understand the valuation of life insurance companies. In this data-intensive video, I shall cut-through-the-clutter and focus on the most important metrics one needs to know when evaluating a life insurance company for investment. We shall learn about embedded value, value of new business, VNB margins, annual premium equivalent and other terms in a simple format as I look to uncomplicate this complex topic. These learnings shall be applied across four of India's biggest life insurers i.e. LIC of India, SBI Life, HDFC Life and ICICI Prudential Life Insurance

Video Chapters:
00:00 Tum Bin Jeevan Kaisa Jeevan
02:39 Embedded Value
04:38 Value of New Business
08:30 Valuation of Life Insurance Companies
10:21 Additional Considerations

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👉 Some useful resources & reading material to expand your knowledge:
‣ Sector Primer on Indian Life Insurance Industry by CFA Institute at https://www.cfainstitute.org/-/media/...
‣ A 2012 video by PPFAS's Rajeev Thakkar at    • Valuation of Insurance Companies.  
‣ A 2018 note by HDFC Securities at https://www.hdfcsec.com/hsl.docs//Lif...
‣ ETPrime article by Gaurav Jain & Parimal Ade at https://economictimes.indiatimes.com/...
‣ Moneycontrol article on why LIC's embedded value jumped by 5 times just before their IPO. The article can be accessed at : https://www.moneycontrol.com/news/bus...

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Disclaimer: I am not a SEBI registered investment advisor or research analyst. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented