BSECompany Update6d ago · 6 Aug 2026, 06:30 pm

This is to inform that the Presentation for Analyst Call of the Corporation is enclosed.

Life Insurance Corporation of India · 543526

✦ AI Summary▲ PositiveResults

Life Insurance Corporation of India (LIC) has announced its Q1 FY27 performance, with a 6.75% increase in total premium income and a 60.10% market share in individual new business premium. The company's profit after tax increased by 22.81% and the claim settlement ratio improved to 94.03%. The company also launched two new group products, LIC's New Jeevan Sathi - Single Premium and LIC's New Jeevan Sathi - Limited Premium.

Analysis Scores

Earnings Impact8/10
Growth Catalyst6/10
Governance Concern1/10
Regulatory Risk2/10
Balance Sheet Risk4/10
Liquidity Impact9/10
Market Sentiment8/10

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Life Insurance Corporation of India - 543526 - Conference Call With The Analyst/Investors - Presentation

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Ref. No.: LIC/SE/2026-27/78 Date: August 06, 2026 The Manager The Manager Listing Department, Listing Department, BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Tower, Exchange Plaza, 5th Floor, Plot C/1, Dalal Street, G Block, Bandra Kurla Complex, Mumbai-400001 Mumbai-400051 Scrip Code: 543526 Scrip Code: NSE - LICI Dear Sir/Madam, Sub: Conference Call with the Analyst/Investors- Presentation Pursuant to Regulation 30 and 46(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, we hereby inform that the Presentation for Analyst Call of Life Insurance Corporation of India (“the Corporation”) to be held on August 06, 2026 is enclosed herewith and the same is also available on website of the Corporation at https://licindia.in/f.y.-2026-273. Please take the above information on record and arrange for dissemination. A copy of this intimation is also being made available on the website of the Corporation at www.licindia.in. Yours faithfully, For Life Insurance Corporation of India (Anshul Kumar Singh) Company Secretary & Compliance Officer Encl: a/a Investor Presentation Q1 FY27 6th August 2026 AGENDA 1 INTRODUCTION TO LIC 5 ACHIEVING OPERATIONAL EFFICIENCIES BUSINESS AND FINANCIAL UPDATES 6 KEY FOCUS AREAS 3 ACTUARIAL UPDATES 7 APPENDIX 4 MARKETING AND DISTRIBUTION STRENGTHS INTRODUCTION TO LIC Largest life insurer in India – Market leader 2nd Largest public sector company in India by Market Capitalisation.1 2nd Strongest Insurance Brand Globally² 3rd Most Valuable Indian Brand³ 4th Strongest Indian Brand³ 12th position as a Most Valuable Insurance Brand Globally² Achieved GUINNESS WORLD RECORDS Title for the "MOST LIFE INSURANCE POLICIES SOLD IN 24 HOURS”⁴ Source: 1As per moneycontrol.com as on 04.08.2026; ²Brand Finance Insurance 100-2026 Report ³Brand Finance -India 100-2026 Report ⁴On 20.01.2025 sold 5,88,107 life insurance policies across India. Cross cyclical and comprehensive life insurance solutions Comprehensive Product Portfolio (as at quarter ended June 30th2026) • Non Participating Products • Participating Products 12 26 (Including four Annuity Products) 14 8 • Group Products¹ • Riders As of 30th June, 2026 the Corporation’s product portfolio comprised of 59 offerings, which included 37 exclusive individual products, 13 exclusive group products, LIC's Smart Pension is a common product available for both Individual Business and Group Business, 7 individual riders and 1 group rider. On 1st April 2026, the Corporation withdrew one product, LIC’s Nav Jeevan Shree – Single Premium (close-ended plan) and on 1st June 2026, launchedtwonewproducts,LIC’sNewJeevanSathi–SinglePremiumandLIC’sNewJeevanSathi–LimitedPremium. Source: Corporation data as of 30thJune, 2026, ¹excluding government run schemes such as 1. National Pension Scheme for Self Employed,, 2. Pradhan Mantri Shram Yogi Maan-dhanYojana 3.Pradhan Mantri Kisan Maan-dhan Yojana, 4. Pradhan Mantri Laghu 5 Vyapari Maan-dhan Yojana. 5. Pradhan Mantri Jeevan Jyoti Bima Yojana. Our products designed to suit customer life cycle Participating Products Non-participating Products Source: Corporation data, Product list indicative and not exhaustive. 6 New group products launched during Q1 FY27 LIC’s New Jeevan Sathi – LIC’s New Jeevan Sathi – Name of Products Single Premium Limited Premium Introduction date 01.06.2026 01.06.2026 Par/Non Par Non-Par Non-Par Product Category Joint Life Single Premium Joint Life Limited Premium Endowment Product Endowment Product Features of product Non-Linked, Life, Individual, Non-Linked, Life, Individual, Savings plan with Guaranteed Savings plan with Guaranteed Additions Additions Source: Corporation Data 7 BUSINESS AND FINANCIAL UPDATES Business Performance Parameters – Q1 FY27 Amount INR Crore Q1 FY27 INR 1,27,250 Cr Q1 FY27 INR 51,834 Cr Total Group Business Total Premium Income +6.75 % +8.61 % Premium Q1 FY26 INR 1,19,200 Cr Q1 FY26 INR 47,726 Cr Q1 FY27 INR 14,351 Cr Q1 FY27 60.10% Individual New Business Market Share in -3.41% +14.48 % Premium Premium¹ (Absolute) Q1 FY26 INR 12,536 Cr Q1 FY26 63.51% Renewal Premium Q1 FY27 INR 61,065 Cr Q1 FY27 60.73% -2.34% +3.61 % Market Share in Policies¹ (Individual) (Absolute) Q1 FY26 INR 58,938 Cr Q1 FY26 63.07% Source Corporation Data ¹As per Life Insurance Council data. Figures may not add up to total due to rounding off. Business Performance Parameters – Q1 FY27 Amount INR Crore Q1 FY27 INR 8,053 Cr Q1 FY27 INR 1,12,911 Cr Weighted Received Total Individual New +18.01% +8.01% Premium (Individual) Business Sum Assured Q1 FY26 INR 6,824 Cr Q1 FY26 INR 1,04,534Cr Q1 FY27 1,91,936 Q1 FY27 5,934 Cr Total Number of Death -3.09% Total Death Claim Paid +0.97% Claims (Individual) Q1 FY26 1,98,053 Q1 FY26 5,877 Cr Total Number of Maturity Q1 FY27 35,35,876 -10.94% Total Maturity Claim Q1 FY27 57,099 Cr +12.88% Claims (Individual) Paid Q1 FY26 39,70,156 Q1 FY26 50,584 Cr Source Corporation Data.. Figures may not add up to total due to rounding off. Financial Performance Parameters –Q1 FY27 Amount INR Crore Q1 FY27 INR 13,492 Cr Q1 FY27 94.03% Claim Settlement Ratio -0.56% Profit After Tax +22.81% Death¹ (Absolute) Q1 FY26 INR 10,986 Cr Q1 FY26 94.59% Q1 FY27 2.42 Q1 FY27 31,02,281 +0.25% Number of Policies sold Solvency +2.06% (Absolute) (Individual) Q1 FY26 2.17 Q1 FY26 30,39,709 Number of Policies sold Q1 FY27 44,752 Assets Under Q1 FY27 INR 59,39,384 Cr +4.10% by Bancassurance & +16.35% Management Alternate Channels Q1 FY26 38,462 Q1 FY26 INR 57,05,341 Cr Source Corporation Data. Figures may not add up to total due to rounding off. ¹Inclusive of unclaimed amounts of last ten years brought back to outstanding during previous year as per IRDAI Regulations. Performance Ratios – Q1 FY27 Q1 FY27 8.28% Q1 FY27 6.21% Yield on Investment -0.17 % Yield on Investment +0.07% (Policyholders Fund)² (Absolute) (Shareholders Fund)² (Absolute) Q1 FY26 8.45% Q1 FY26 6.14% Q1 FY27 1.21 % Q1 FY27 90.93% -0.21 % -2.79 % Total Gross NPA Ratio¹ Conservation Ratio Q1 FY26 1.42 % (Absolute) Q1 FY26 93.72% (Absolute) Q1 FY27 10.63% +0.16% Q1 FY27 3.95% -0.20% Overall Expense Ratio (Absolute) Commission Ratio (Absolute) Q1 FY26 10.47% Q1 FY26 4.15% Source Corporation Data Figures may not add up to total due to rounding off. ¹for policyholders fund ²Without unrealisedgains. ACTUARIAL UPDATES Indian Embedded Value (IEV) Embedded Value (INR Crore) 7,89,185 7,76,876 7,27,344 The IEV has increased by 5,82,243 INR 12,309 5,41,492 Crore from March 2025 to March 2026, highlighting a growth of 1.58%. Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Source: Corporation data. Annualized Premium Equivalent (APE)/VNB/VNB Margin Amount INR Crore Year on Year APE - Line of Business Q1 FY26 Q1 FY27 Growth A Individual Par 4,919 5,085 3.37% B Individual Non Par 2,142 2,447 14.24% 1 Individual Saving 812 1,293 59.24% 2 Protection 39 56 43.59% 3 Annuity 364 330 -9.34% 4 ULIP 927 769 -17.04% C Total Individual (A+B) 7,061 7,532 6.67% D Group 5,590 6,160 10.20% E Total APE (C+D) 12,652 13,692 8.22% F Net VNB 1,944 3,136 61.32% G Net VNB Margin(F/E) 15.4% 22.9% 7.5%(Abs.) Source Corporation data; Figures may not add up to total due to rounding off. Focus on Increasing Share of Non-Par Products Rising share of Non-Par in Individual APE1 Breakup of Individual APE (Q1 FY26) Breakup of Individual APE (Q1 FY27) Non- Non- 69.66% 30.34% 67.51% 32.49% Source: Corporation data; 1. Within India Business 16 VNB Walk Q1 FY26 to Q1 FY27 Source: Corporation Data Change in Persistency Ratios - Q1 FY27 On Number of Policies Basis Persistency ratio by # policies 64.35% 66.45% 60.15% 58.07% 54.23% 56.14% 50.79% 51.27% 51.12% 48.74% 13th Month 25th Month 37th Month 49th Month 61st Month Q1FY26 Q1FY27 On Premium Basis 75.63% 75.33% Persistency ratio by #premium 71.53% 69.84% 67.17% 67.50% 63.45% 64.04% 63.85% 61.12% 13th Month 25th Month 37th Month 49th Month 61st Month Q1FY26 Q1FY27 Source Corporation data as per IRDAI guid [Showing first 8,000 characters — download PDF for full document]