TABLE OF CONTENTS

Chapter 1:
Introduction
Meaning and definition
Nature and Scope
Importance of Insurance
Objectives of the Study

Chapter 2:
Origin of the Company

Chapter 3
Study of the company

Chapter 4
Graphs Presentation

Chapter 5
Findings
Suggestions
Conclusion
Bibliography
Questionnaire
 Introduction

The main aim of this project is to have the complete insight

of ICICI Life insurance products. Through this research of
study, we are trying to ascertain the life products which
ICICI bank deals with. Whom ICICI deals with for their
Insurance business and type of products they sell to the
customers.
Meaning and Definition

Life insurance or life assurance is a contract between the policy

owner and the insurer, where the insurer agrees to pay a designated
beneficiary a sum of money upon the occurrence of the insured
individual's or individuals' death or other event, such as terminal
illness or critical illness. In return, the policy owner agrees to pay a
stipulated amount called a premium at regular intervals or in lump
sums. There may be designs in some countries where bills and
death expenses plus catering for after funeral expenses should be
included in Policy Premium. In the United States, the predominant
form simply specifies a lump sum to be paid on the insured's
demise.
As with most insurance policies, life insurance is a contract
between the insurer and the policy owner whereby a benefit is paid
to the designated beneficiaries if an insured event occurs which is
covered by the policy
Types of life insurance

Life insurance may be divided into two basic classes – temporary and permanent or
following subclasses - term, universal, whole life and endowment life insurance.

Temporary Term Insurance

Term assurance: provides for life insurance coverage for a specified term of years for
a specified premium. The policy does not accumulate cash value. Term is generally
considered "pure" insurance, where the premium buys protection in the event of death
and nothing else.
There are three key factors to be considered in term insurance:
Face amount (protection or death benefit),
Premium to be paid (cost to the insured), and
Length of coverage (term).
Various insurance companies sell term insurance with many different combinations of
these three parameters. The face amount can remain constant or decline. The term can be
for one or more years. The premium can remain level or increase. A common type of term
is called annual renewable term. It is a one year policy but the insurance company
guarantees it will issue a policy of equal or lesser amount without regard to the
insurability of the insured and with a premium set for the insured's age at that time.
Another common type of term insurance is mortgage insurance, which is usually a level
premium, declining face value policy. The face amount is intended to equal the amount of
the mortgage on the policy owner’s residence so the mortgage will be paid if the insured
dies.
A policy holder insures his life for a specified term. If he dies before that specified term is
up, his estate or named beneficiary receives a payout. If he does not die before the term is
up, he receives nothing. In the past these policies would almost always exclude suicide.
However, after a number of court judgments against the industry, payouts do occur on
death by suicide (presumably except for in the unlikely case that it can be shown that the
suicide was just to benefit from the policy). Generally, if an insured person commits
suicide within the first two policy years, the insurer will return the premiums paid.

However, a death benefit will usually be paid if the suicide occurs after the two year
period.

Permanent Life Insurance

Permanent life insurance is life insurance that remains in force (in-line) until the policy
matures (pays out), unless the owner fails to pay the premium when due (the policy
expires OR policies lapse). The policy cannot be canceled by the insurer for any reason
except fraud in the application, and that cancellation must occur within a period of time
defined by law (usually two years). Permanent insurance builds a cash value that reduces
the amount at risk to the insurance company and thus the insurance expense over time.
This means that a policy with a million dollar face value can be relatively expensive to a
70 year old. The owner can access the money in the cash value by withdrawing money,
borrowing the cash value, or surrendering the policy and receiving the surrender value.
The four basic types of permanent insurance are whole life, universal life, limited pay
andendowment.
 Whole life coverage
Whole life insurance provides for a level premium, and a cash value table included in the
policy guaranteed by the company. The primary advantages of whole life are guaranteed
death benefits, guaranteed cash values, fixed and known annual premiums, and mortality
and expense charges will not reduce the cash value shown in the policy. The primary
disadvantages of whole life are premium inflexibility, and the internal rate of return in the
policy may not be competitive with other savings alternatives. Also, the cash values are
generally kept by the insurance company at the time of death, the death benefit only to
the beneficiaries. Riders are available that can allow one to increase the death benefit by
paying additional premium. The death benefit can also be increased through the use of
policy dividends. Dividends cannot be guaranteed and may be higher or lower than
historical rates over time. Premiums are much higher than term insurance in the short-
term, but cumulative premiums are roughly equal if policies are kept in force until
average life expectancy.
Cash value can be accessed at any time through policy "loans". Since these loans
decrease the death benefit if not paid back, payback is optional. Cash values are not paid
to the beneficiary upon the death of the insured; the beneficiary receives the death benefit
only. If the dividend option: Paid up additions is elected, dividend cash values will
purchase additional death benefit which will increase the death benefit of the policy to the
named beneficiary.
Meaning and Definition

Life insurance or life assurance is a contract between the policy

owner and the insurer, where the insurer agrees to pay a designated
beneficiary a sum of money upon the occurrence of the insured
individual's or individuals' death or other event, such as terminal
illness or critical illness. In return, the policy owner agrees to pay a
stipulated amount called a premium at regular intervals or in lump
sums. There may be designs in some countries where bills and
death expenses plus catering for after funeral expenses should be
included in Policy Premium. In the United States, the predominant
form simply specifies a lump sum to be paid on the insured's
demise.
As with most insurance policies, life insurance is a contract
between the insurer and the policy owner whereby a benefit is paid
to the designated beneficiaries if an insured event occurs which is
covered by the policy
Universal life insurance (UL) is a relatively new insurance
product intended to provide permanent insurance coverage with greater flexibility in
premium payment and the potential for a higher internal rate of return. There are several
types of universal life insurance policies which include "interest sensitive" (also known
as "traditional fixed universal life insurance"), variable universal life insurance, and
equity indexed universal life insurance.
A universal life insurance policy includes a cash account. Premiums increase the cash
account. Interest is paid within the policy (credited) on the account at a rate specified by
the company. Mortality charges and administrative costs are then charged against
(reduce) the cash account. The surrender value of the policy is the amount remaining in
the cash account less applicable surrender charges, if any.
With all life insurance, there are basically two functions that make it work. There's a
mortality function and a cash function. The mortality function would be the classical
notion of pooling risk where the premiums paid by everybody else would cover the death
benefit for the one or two who will die for a given period of time. The cash function
inherent in all life insurance says that if a person is to reach age 95 to 100 (the age varies
depending on state and company), then the policy matures and endows the face value of

the policy.
Actuarially, it is reasoned that out of a group of 1000 people, if even 10 of them live to
age 95, then the mortality function alone will not be able to cover the cash function. So in
order to cover the cash function, a minimum rate of investment return on the premiums
will be required in the event that a policy matures.
Universal life insurance addresses the perceived disadvantages of whole life. Premiums
are flexible. Depending on how interest is credited, the internal rate of return can be
higher because it moves with prevailing interest rates (interest-sensitive) or the financial
markets (Equity Indexed Universal Life and Variable Universal Life). Mortality costs and
administrative charges are known. And cash value may be considered more easily
attainable because the owner can discontinue premiums if the cash value allows it. And
universal life has a more flexible death benefit because the owner can select one of two
death benefit options, Option A and Option B.
Option A pays the face amount at death as it's designed to have the cash value equal the
death benefit at maturity (usually at age 95 or 100). With each premium payment, the
policy owner is reducing the cost of insurance until the cash value reaches the face
amount upon maturity.
Option B pays the face amount plus the cash value, as it's designed to increase the net
death benefit as cash values accumulate. Option B offers the benefit of an increasing
death benefit every year that the policy stays in force. The drawback to option B is that
because the cash value is accumulated "on top of" the death benefit, the cost of insurance
never decreases as premium payments are made. Thus, as the insured gets older, the
policy owner is faced with an ever increasing cost of insurance (it costs more money to
provide the same initial face amount of insurance as the insured gets older).

Limited-pay
Another type of permanent insurance is Limited-pay life insurance, in which all the
premiums are paid over a specified period after which no additional premiums are due to
keep the policy in force. Common limited pay periods include 10-year, 20-year, and paid-
up at age 65.
 Endowments
Main article: Endowment policy
Endowments are policies in which the cash value built up inside the policy, equals the
death benefit (face amount) at a certain age. The age this commences is known as the
endowment age. Endowments are considerably more expensive (in terms of annual
premiums) than either whole life or universal life because the premium paying period is
shortened and the endowment date is earlier.
In the United States, the Technical Corrections Act of 1988 tightened the rules on tax
shelters (creating modified endowments). These follow tax rules as annuities and IRAs
do.
Endowment Insurance is paid out whether the insured lives or dies, after a specific period
(e.g. 15 years) or a specific age (e.g. 65).
AccidentalDeath

Accidental death is a limited life insurance that is designed to cover the insured when
they pass away due to an accident. Accidents include anything from an injury, but do not
typically cover any deaths resulting from health problems or suicide. Because they only
cover accidents, these policies are much less expensive than other life insurances.
It is also very commonly offered as "accidental death and dismemberment insurance",
also known as an AD&D policy. In an AD&D policy, benefits are available not only for
accidental death, but also for loss of limbs or bodily functions such as sight and hearing,
etc.
Accidental death and AD&D policies very rarely pay a benefit; either the cause of death
is not covered, or the coverage is not maintained after the accident until death occurs. To
be aware of what coverage they have, an insured should always review their policy for
what it covers and what it excludes. Often, it does not cover an insured who puts
themselves at risk in activities such as: parachuting, flying an airplane, professional
sports, or involvement in a war (military or not). Also, some insurers will exclude death
and injury caused by proximate causes due to (but not limited to) racing on wheels and
mountaineering.
Accidental death benefits can also be added to a standard life insurance policy as a rider.
If this rider is purchased, the policy will generally pay double the face amount if the
insured dies due to an accident. This used to be commonly referred to as a double
indemnity coverage. In some cases, some companies may even offer a triple indemnity
cover.
Nature and Scope of Life Insurance

The Insurance business was nationalized in

1956. The insurance companies are now
governed by the provisions of the Insurance
Regulatory and Development Authority Act
1999
 Nationalization of Insurance Business 1956

Insurance is a federal subject in India. The insurance sector has gone through a number
of phases and changes. Since 1999, when the government opened up the insurance sector
by allowing private companies to solicit insurance and also allowing FDI up to 26%, the
insurance sector has been a booming market. However, the largest life-insurance
company in India is still owned by the government.

History
Insurance in India has its history dating back until 1818, when Oriental Life Insurance
Company was started by Anita Bhavsar in Kolkata to cater to the needs of European
community. The pre-independent era in India saw discrimination among the life of
foreigners(English) and Indians with higher premiums being charged for the latter. In
1870, Bombay Mutual Life Assurance Society became the first Indian insurance company
covering Indian lives at normal rates.
At the dawn of the twentieth century, many insurance companies were founded. In the
year 1912, the Life Insurance Companies Act and the Provident Fund Act were passed to
regulate the insurance business. The Life Insurance Companies Act, 1912 made it
necessary that the premium-rate tables and periodical valuations of companies should be
certified by an actuary. However, the disparage still existed as discrimination between
Indian and foreign companies. The oldest existing insurance company in India is the
National Insurance Company Ltd., which was founded in 1906. It is in business. Before
that, the industry consisted of only two state insurers: Life Insurers (Life Insurance
Corporation of India, LIC) and General Insurers (General Insurance Corporation of India,
GIC). GIC had four subsidiary companies.

With effect from December 2000, these subsidiaries have been de-linked from the parent
company and were set up as independent insurance companies: Oriental Insurance
Company Limited, New India Assurance Company Limited, National Insurance
Company Limited and United India Insurance Company Limited.
Currently, in India only two million people (0.2 % of the total population of 1 billion) are
covered under Mediclaim, whereas in developed nations like USA about 75 % of the total
population are covered under some insurance scheme. With more and more private
companies in the sector, the situation may change soon.

Importance of Life Insurance

Life Insurance is considered to be an important part of an individual’s
investment portfolio, not necessarily to accumulate wealth, but to feel
financially secure. Other then this when you opt for a life insurance policy
you enjoy other benefits also, like tax-deduction options, and in some cases
long term capital gains. What is important when you opt for a policy is the
term and plan related to that particular policy. Always remember Life
Insurance is primarily made keeping your family and those who are
dependent on you in mind. There are various companies that would ask you
to opt for a policy from them, and incase if you are an amateur investor and
try to push things in a hurry, you might end up settling for a wrong deal.
Here, we will discuss on a few guidelines that an individual should follow
prior to opting for a policy or while assessing an insurance plan.

When you decide to invest in Life Insurance, it is imperative that you

understand your financial status, your future liabilities & commitments and
then opt for a policy that would suit your needs in the longer run. Insurance
is by and large regarded as one of the best savings cum investing scheme.
Students who earn while studying and those who take up full time
employment after their studies see insurance as a profitable scheme to
regulate their savings. Important factors that an individual needs to
understand prior to opting for Life Insurance Policies are 1) Requirements,
term (duration) and premium to be paid 2) Nature and benefits of the policy
in the longer run & 3) Coverage of the policy. The need and income of an
individual helps him decide the amount of Life Insurance Premium.
The insured should also think about the benefits that he and / or his nominee
will receive before deciding to go for a particular policy. Life insurance
covers the risks of loss due to the death of the insurer. Hence it is advisable
that before you purchase the policy; take a look at the plan of the policy in
detail. Most of the Life Insurance Companies would provide you with a
ULIP (Unit Link Insurance Plan). Consulting an expert or your friends, &
other reliable sources like the internet, that would provide accurate data
helps. Analyzing the different categories of insurance, conducting a proper
market research, checking your financial constraints where you ensure that
you pay your insurance premiums simultaneously is important.

Ideally all life insurance companies invest the insurance premium funds in
the various types of projects meant for developments and attractive returns.
This project varies from government funded bonds to private companies. As
an investor and depending upon your risk tolerance you can divide your
investment funds in various modes which can be Balance, Maximizer, and
Minimizer. Balance fund manager will invest your fund equally in
government sector bonds as well as in private sector. In Maximizer mode
your complete fund is invested in private equity market, which completely
depends on market conditions. This fund at times may give you unexpected
results and at times may even ruin your principal amount. In the last type of
investments the fund is completely engaged in government bonds, wherein
risk is almost null with assured returns.

Like other investment modules Life Insurance also has advantages and
disadvantages. The prime advantage is financial security for the obvious
reasons. It helps facilitates economic movements. Life insurance companies
collect premiums from multiple investors hence gathering large funds. This
money is used to finance trade and other financial development activities.
Last but not the least it helps in reduction of tax payments. Policy holders
are entitled to claim income tax exemptions for paying the premiums. The
amount and the extent to which they are allowed depends on other factors
like the persons income and if the insurer is a private player or run by the
state. Drawbacks include incompetent facilities as all Life Insurance
Companies are not able to provide the exact kind of life insurance policy as
desired by consumers. Moreover the services of insurance agents could
sometimes do more bad than good. Some of them try to convince their
clients to invest more or to choose certain policies which are not much
beneficial to the clients. A person will find himself in trouble if he invests
more than what is actually required. But as the number of advantages out
 numbers the disadvantages, investing in Life
Insurance is always considered to be a good move.

Another important factor that needs attention during the framing of the
policy is Life Insurance Quotes. Life Insurance quotes are the prices at
which life insurance policies are proposed to be sold and vary from company
to company or individual to individual, mainly depending on the term of the
policy. Other important issues that address the quotes are age and income,
the physical features and family details of the insurer. The time through
which an insured pays the premium for the policy is called Life Insurance
term. On a general basis, there are no standard premiums as far as term
insurance is concerned. A person can decide the amount to be paid on the
basis of his requirements in terms of coverage and affordability in terms of
finance. As of now the top 5 life insurance companies in India are Reliance
Life Insurance, HDFC standard Life insurance, Bharti-axa life insurance,
ICICI Prudential life and off-course LIC India. The following companies
were considered after being judged on parameters such as the insurance
quotes, the term that the insured had to pay the premium for, the cover that
the policy was covering, etc, etc. All in all getting an insurance done for
yourself at the earliest, once you start earning is an excellent way to get your
financial future secured.
 Objective of the Study

The main objective of this project is to know about life Insurance , the
products ICICI deals with.
ICICI Bank is India's second-largest bank with total assets of Rs. 3,663.74
billion (US$ 76 billion) at September 30, 2009 and profit after tax Rs. 19.18
billion (US$ 398.8 million) for the half year ended September 30, 2009. The
Bank has a network of 1,639 branches and about 4,883 ATMs in India and
presence in 18 countries. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialised subsidiaries and
affiliates in the areas of investment banking, life and non-life insurance,
venture capital and asset management. The Bank currently has subsidiaries
in the United Kingdom, Russia and Canada, branches in United States,
Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International
Finance Centre and representative offices in United Arab Emirates, China,
South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK
subsidiary has established branches in Belgium and Germany.

ICICI Bank's equity shares are listed in India on Bombay Stock Exchange
and the National Stock Exchange of India Limited and its American
Depositary Receipts (ADRs) are listed on the New York Stock Exchange
(NYSE).
Board Members

Mr. K. V. Kamath, Chairman

Mr. Sridar Iyengar

Mr. Homi R. Khusrokhan

Mr. Lakshmi N. Mittal

................................................
Mr. Narendra Murkumbi
..................................................
Dr. Anup K. Pujari
.................................................
Mr. Anupam Puri
..................................................
Mr. M.S. Ramachandran
..................................................
Mr. M.K. Sharma
..................................................
Mr. V. Sridar
Prof. Marti G. Subrahmanyam
.........................................................
Mr. V. Prem Watsa
.........................................................
Ms. Chanda D. Kochhar,
Managing Director & CEO
.........................................................
Mr. Sandeep Bakhshi,
Deputy Managing Director
.........................................................
Mr. N. S. Kannan,
Executive Director & CFO
.........................................................
Mr. K. Ramkumar,
Executive Director
.........................................................
Mr. Sonjoy Chatterjee,
Executive Director
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Life insurance products assure your family will receive financial support, even in your absence. Put
simply, when you buy insurance you provide your family with a sum of money, should something
happen to you. It thus permanently protects your family from financial crises.

In addition to serving as a protective cover, when you buy insurance you create a flexible money-
saving scheme, which empowers you to accumulate wealth to buy a new car, get your children
educational solutions, and even retire comfortably.

Today, there is no shortage of investment options for a person to choose from. Given the plethora of
choices, it becomes imperative to make the right choice when investing your hard-earned money,
and online insurance is an ideal choice in today’s technology driven world. Buying Life insurance
online is a way to make a unique investment that helps you to meet your dual needs - saving for
life's important goals, and protecting your assets.

From an investor's point of view, an investment can play two roles - asset appreciation or asset
protection. While most financial instruments have the underlying benefit of asset appreciation,
buying life insurance online gets you the unique reassurance of asset protection, along with a strong
element of asset appreciation.

When you buy life insurance online the core benefit is that the financial interests of one’s family
remain protected from circumstances such as loss of income due to critical illness or death of the
policyholder. Simultaneously, buying life insurance online gives a strong inbuilt wealth creation
proposition. The customer therefore benefits on two counts and online insurance products occupy a
unique space in the landscape of investment options available to a customer.

As your life stage and therefore your financial goals change, the instrument in which you invest
should offer corresponding benefits pertinent to the new life stage. Online insurance products are
the only investment option that offer specific products tailor-made for different life stages. You are
thus ensured that the benefits offered to the customer reflect the needs of the customer at that
particular life stage, and hence ensures that the financial goals of that life stage are met.
On the basis of which life stage you are in and the corresponding insurance needs, ICICI Prudential
plans can be categorized into the following three types:

• Education Insurance Plans

• Wealth Creation Plans

• Protection Plans

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One of your most important responsibilities as a parent is to ensure that your child gets the best
possible education that can be provided.

ICICI Prudential offers a wide portfolio of education insurance plans that are designed to provide
peace of mind to you, as a parent, that your child's education will be secure. These plans ensure
that money is made available at the crucial junctures in a child's education - Class X, Class XII,
graduation and post-graduation - to fund crucial commitments for the child's future.

Importantly, education insurance plans ensure that in the unfortunate event of the death of a
parent, the child's education continues unhampered.

Under the education insurance plans platform, ICICI Prudential brings the following products to you.
Please click on the product name to know more about the plans.

Plan Name Plan Type

Unit Linked
ICICI Pru SmartKid Assure
Unit Linked
ICICI Pru SmartKid Maxima
Traditional
ICICI Pru SmartKid Regular Premium
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Wealth Creation Plans give the customer the dual benefit of protection along with the potentially
higher returns of market-linked instruments. The most important benefit of ULIPs is the flexibility
they give the customer in choosing the premium amount and also choosing the underlying fund in
which this money is to be invested. Wealth creation plans also offer the customer more liquidity
options as compared to traditional plans. As such, ULIPs are ideal for customers who want the
protection of a life cover to be allied to the returns of market linked instrument – giving them an
unmatched combination of benefits.

Under the wealth creation platform, ICICI Prudential brings the following products to you. Please
click on the product name to know more about the plans.

Plan Name Plan Type

ICICI Pru ACE Unit Linked

ICICI Pru Premier Wealth Unit Linked

ICICI Pru Assure Wealth Unit Linked

ICICI Pru LifeTime Maxima Unit Linked

ICICI Pru Pinnacle Unit Linked

 Top 10 companies and its market
capitalization

LIC (Life Insurance Corporation of India) still remains the largest life insurance company
accounting for 64% market share. Its share, however, has dropped from 74% a year
before, mainly owing to entry of private players with innovative products and better sales
force.

ICICI Prudential Life Insurance Co Ltd is the biggest private life insurance company in
India. It experienced growth of 58% in new business premium, accounting for increase in
market share to 8.93% in 2007-08 from 6.97% in 2006-07.

Bajaj Allianz Life Insurance Co Ltd has reported a growth of 52% and its market share
went up to 6.98% in 2007-08 form 5.66% in 2006-07. The company ranked second (after
LIC) in number of policies sold in 2007-08, with total market share of 7.36%.
SBI Life Insurance Co Ltd in terms of new number of policies sold, the company ranked
6th in 2007-08. New premium collection for the company was Rs 4,792.66 crore in 2007-
08, an increase of 87% over last year.

Reliance Life Insurance Co Ltd Total collected was Rs 2,792.76 crore and its market
share went up to 2.96% from 1.23% a year back. It now ranks 5th in new business
premium and 4th in number of new policies sold in 2007-08.

HDFC Standard Life Insurance Co Ltd with an income of Rs 2,680 crore in FY2007-08,
registering a year-on-year growth of 64%. Its market share is 2.88% and it ranks 6 th
among the insurance companies and 5th amongst the private players.

Birla Sun Life Insurance Co Ltd market share of the company increased from 1.22% to
2.11% in 2007-08. The company moved to the 7th position in 2007-08 from 8the a year
before, pushing down Max New York Life insurance company.

Max New York Life Insurance Co Ltd has reported growth of 73% in 2007-08. Total new
business generated was Rs 641.83 crore as against Rs 387.51 crore. The company was
pushed down to the 8th position from 7th in 2007-08.

Kotak Mahindra Old Mutual Life Insurance Ltd the fiscal 2007-08, the company reported
growth of 80%, moving from the 11th position to 9th. It captured a market share of
1.19% in 2007-08. Last year the company doubled its branch network to 150 from 74.
Aviva Life Insurance Company India Ltd ranking dropped to 10th in 2007-08 from 9th
last year. It has presence in more than 3,000 locations across India via 221 branches and
close to 40 bancassurance partnerships. Aviva Life Insurance plans to increase its capital
base by Rs 344 crore. With the fresh investment, total paid-up capital of the insurer
would go up to Rs 1,348.8 crore
QUESTIONNAIRE
1. PERSONAL DETAILS :

NAME:
DESIGNATION:
DURATION IN THE ORGANISATION:

II. WHAT IS YOUR PERCEPTION ABOUT?

1. What do you think about the insurance?

A) Very High b) High
c) Reasonable d) Low

2. How do you rate the role of general insurance in controlling the market?

a) Excellent b) Good
c) Satisfactory d) Not satisfactory

3. The growth prospects in the company?

a) Excellent b) Good
c) Satisfactory d) Not Satisfactory

4. The various annual benefits providing by the company?

 a) Excellent b) Good
c) Satisfactory d) Not satisfactory

5. The various facilities provided by the company at work place?

a) Excellent b) Good
c) Satisfactory d) Not Satisfactory

6. The various incentives offered by the company?

a) Excellent b) Good
c) Satisfactory d) Not satisfactory
7. The medical benefits provided?

a) Excellent b) Good
c) Satisfactory d) Not Satisfactory

8. The treatment of the employee by the management?

a) Excellent b) Good
c) Satisfactory d) Not Satisfactory

9. The help and support provided by unit manager/team leaders at t6he work place?
a) Excellent b) Good
c) Satisfactory d) Not Satisfactory

10. The risk provided by the company?

a) Excellent b) Good
c) Satisfactory d) Not Satisfactory