*Tata Sons* may buy out AIG’s stake in its life insurance JV – *Tata AIG
Life Insurance Ltd*. This development comes a day after *Prudential
Plc*bought out AIG’s Asian operations (AIA) for $35.5 Bn. Earlier in
Sept’09,
Tata’s had expressed interest in buying out AIG’s stake in the life
insurance venture and had appointed *KPMG* to advise on the deal.

Tata Sons may induct a partner for its life insurance business later. German
insurer – *Ergo*, which aborted a tie-up with the Munjals of the Hero Group
might be interested in partnering Tatas in the life insurance venture. US
based - *Liberty Mutual*, who was in talks with Reliance Life might also be
interested.

The takeover of AIG by Prudential leads to a conflict of interest in India
as Prudential has a stake in both ICICI Prudential Life Insurance and Tata
AIG Life Insurance. Prudential has 26% stake in ICICI Prudential Life
Insurance and AIG has a 26% stake in Tata AIG Life Insurance.
Prudential has to exit from one of the two Indian companies as IRDA doesnot
allow a foreign entity to invest in more than one Indian Life insurance
company, hence Prudential will have to exit from one of the two ventures.

Tata AIG was launched in 2001, as a 74:26 JV between Tata Sons and AIG’s
Asian life unit *American International Assurance Ltd*. Tata AIG has more
than 200 offices across the country and has assets of around Rs 10,000 Cr.

Prudential has a 26:74 life insurance JV with ICICI Bank. It has more than
1,900 branches across the country and has assets of around Rs 53,000 Cr.

American Insurance Group (AIG) was one of first victims of the global
financial crisis and is now financially supported by the US government. AIG
is selling of some of its businesses worldwide as it attempts to repay $132
Bn borrowed from the US Government two years ago. It has already sold AIG
Systems & Solutions to Mphasis. It is provider of IT services and solutions
to AIG companies worldwide.

AIG also has 26% stake in health insurance and general insurance companies
with Tatas. It also has an AMC – *AIG Global AMC (India) Pvt. Ltd*. AIG has
not announced any plans to sell out these businesses.


-- 
Regards

Hardik Shah

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