01 Life Insurance Corporation of India

Life Insurance Corporation of India (LIC) is the only public sector life insurance company in India. It was formed on 1st September 1956 with the merger of more than 200 insurance companies and provident societies. LIC has its headquarters in Mumbai. It is the largest life insurance company in India with over 2000 branches and over 14 lakh agents to solicit life insurance business in the country. It has a phenomenal presence in both urban and rural India.

 
02 ICICI Prudential Life Insurance Co. Ltd

ICICI Prudential is one of the leading life insurance companies in India. ICICI Prudential Life Insurance Company is a joint venture company formed between the ICICI Bank, one of India‘s largest and most successful private financial services company and Prudential Plc., a leading international financial services group headquartered in the United Kingdom.

 

03 Reliance Life Insurance Company Ltd.

Reliance Life Insurance Company Ltd. is a wholly owned Indian company and an associate of Reliance Capital Ltd., a part of Reliance - Anil Dhirubhai Ambani Group. This Group have its presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcare and Infrastructure segments in India.

04 Bajaj Allianz

Bajaj Allianz is the joint venture of Bajaj Finserv -India‘s financial service giant and Allianz SE- Germany‘s financial services provider. Registered in 2001, Bajaj Allianz Life Insurance Company has become one of the top most life insurance brands in India. Bajaj Allianz Life Insurance Company aims to ensure excellent insurance and investment solutions by offering customized products, supported by the best technology.


05 Birla Sunlife

Birla Sun Life Insurance Company Ltd. is a joint venture company between Aditya Birla Group and Sun Life Financial Inc. of Canada. Birla Sun Life offers a broad array of life insurance products to meet the actual needs and expectations of individuals and groups through a multi channel distribution network across the country. Birla Sun Life Insurance is distinguished as the first financial solutions company to introduce ‘Business Continuity Plan‘, the ‘Free Look Period‘ and ‘Unit Linked Life Insurance Plans‘ in the Indian insurance 




06 SBI Life

SBI Life Insurance Company Limited is a joint venture between the State Bank of India and BNP Paribas Assurance. State Bank of India owns 74% and BNP Paribas Assurance holds the remaining 26% of the stake of the joint venture.


07 Max New York

Max New York Life is a joint venture company formed between New York Life, a Fortune 100 company and Max India Limited. Max New York Life started its commercial operations in the year 2001. It is the first life insurance company in India to be awarded the IS0 9001:2000 certifications. 

08 HDFC Standard

HDFC Life Insurance Co. Ltd is a joint venture between the Indian housing finance institution, Housing Development Finance Corporation Limited or HDFC Ltd. and a Group company of Standard Life, UK. These two giants from India and UK joined hands together on 31st December 2007. HDFC Life Insurance is one of the top most life insurance companies in India; its venture is strong and has a good backing. HDFC Standard Life has about 568 branches and is present in over 700 cities and towns.  



09 Tata AIG

Tata AIG Life Insurance Company Limited is a joint venture between Tata Group and the renowned American International Group, Inc. This insurance firm got its license to operate in India on February 12, 2001 and finally started operations on April 1, 2001.



10 ING Vysya

ING Life Insurance Company is the joint venture between ING Insurance International B.V. and Exide Industries. ING is based out of Bangalore and has recently completed 10 years of operation in India. This company marked the entrance of Exide Industries Limited, India‘s largest producer of automotive and industrial batteries, into the insurance arena. ING hold 26% equity in this venture with Exide owning 50% and miscellaneous shareholders having the remaining 24%. 

 

Being rich at an early age is already amazing, but being one of the youngest billionaires in the world is really ravishing. On the recent list released officially by Forbes from their website, you’ll see the top 10 world’s youngest billionaires in 2013. You’ll get to know these young ones under 40 years old who have came to a state of fulfillment where they can really tell and prove to the world that they can achieve more without reaching the golden age of maturity. What are their secrets? What have they done to earn to that kind of wing and ascendancy amidst their youth? Get to know more of the details as you scan on this list and skim for more information.

10. Ayman Hariri

He might be the son of the former Prime Minister Rafik Hariri in Lebanon who was slain, but he made his way up to the top because of his    efforts to assume the responsibilities in leading and managing his family’s major businesses. He is just 34 years old with one child and happily enjoying his married life. Nonetheless, the 34-year old billionaire was ranked at number 1088 in the Forbes’ lists of billionaires in the world for 2013, has also grabbed the 10^th spot for the youngest billionaires for garnering $1.35 billion net worth for having a construction group, real estate, and telecom businesses. It boosted his total earnings when Saudi Oger procured the $653 million contract beginning of the year 2013, where he is actively involved in the management and running of it. In fact, this is the major source of wealth not just for Mr. Hariri, but for the family. He completed Bachelor of Arts at Georgetown University.

9. Sean Parker

The 33-year old young entrepreneur has a similar story with the former leader of Apple Incorporated, Steve Jobs. He was not able to finish his studies because he launched his website called as Napster at 19. In fact, when he reached 24, he became the first President of Facebook. He is more than just a computer wizard and business magnate, because of his earliest exposure through his mentor, his very own father, where hacking and programming became his favorite hobbies as a child. You might consider him as a bookworm because of his inclination to books. It is no wonder why he is known as a genius, and it brought him not just thousands of dollars, but billions by being co-founders with companies like Airtime, Causes, Napster, Plaxo, and Facebook. He is also one of the board of directors of Yammer and Spotify, and managing partner of Founders Fund. As of 2013, he has a $2 billion net worth that placed him to the 9^th spot on this list.

8. Marie Besnier Beauvalot

She is 32 years old, and has earned a total net worth of $1.5 billion, and this happened after she, along with her siblings, received an inheritance of the long-time producers of yogurt, cheese, and milk brands known as Lactalis. It is actually founded by his grandfather, and it was boosted after the successful acquisition of Italian milk in 2011. Her efforts along with her siblings boosted the earnings of the company, where she was ranked number 974 in 2013 world’s billionaires.

7. Fahd Hariri

Who would have thought that two siblings would be part of the youngest billionaires in 2013. Yes, Fahd Hariri is the youngest sibling of Ayman Hariri who ranked number 10 on this list. He has also inherited his fortune from his father who died because of assassinations. He is 32 years old and ended his bachelor image by marrying after his father died. He disclosed this information in one of the interviews that he has encountered. For several years of being consistently cited as one of the world’s billionaires, where his siblings are also included, he never opens up his personal life to the public. Everyone knew that he’s single. He also made his name out of the shadow of his father, especially when he left his family to study in Paris at the age of 9, where he finished architecture at the Ecole Speciale Architecture. Even when he was still a student, he managed to run an interior design studio wherein he was selling furniture to his clients who are based in Saudi Arabia. He has also invested in Future TV aside from his family’s construction company.

6. Huiyan Yang

She is the second woman who has been cited in the top 10 world’s youngest billionaires as of 2013. She is 31 years old who has completed her education at Ohio State University holding a degree in Bachelor of Arts and Science. She received this great abundance after her father had transferred 70% of company’s shares before an IPO was held in 2007. Her father did develop the Country Garden Holdings along with other partners in this real estate business. She holds 46% of shares in this company where she earned $5.7 billion net worth as of 2013, and still in progress in making big deals and acquisitions.

5. Eduardo Saverin

People has recognized him because of the movie in 2010 entitled The Social Network, and it became a hot topic because of the ongoing court hearing then, about the real master and founder of Facebook. Although the matter has been settled already, no one could ever forget about the revelation made because of that film. In fact, one of the rumors said that the reason why he moved to Singapore was because of the $3 billion stake that he had at Facebook, where he made his way to the top. He completed B.S. Economics in 2006 at Harvard University although he was born and raised in Brazil, but when his family decided to settle in Florida, that was the time his father’s wealth increased. His current net worth is $2.2 billion and he’s focused on investing start-ups that’s why this 30-year old guy is much known as an online entrepreneur.

4. Scott Duncan

Scott Duncan is one of the four sons of once the richest man in Houston, Texas, Dan Duncan, owner and founder of Enterprise Products back in 1968. Who would have known that a company that started with a door-to-door selling strategy would end up owning over 50,000 miles of petrochemicals, natural gas, and oil pipelines as part of its business venture? His net worth, which is higher than all of his older siblings, is now at $5.1 billion, all thanks to the growth and development of stock prices as it performed well at New York Stocks Exchange. Not only has he grown $900 million richer in just a year, but all of his older sisters received the same revenue growth as well. He is only 30 years of age, and is considered as one of the most eligible billionaire bachelors as he is more dedicated into the business more than his own love life.

3. Albert von Thurn und Taxis

Ever since his father died in 1990, Albert Prinz von Thurn und Taxis has been consistently listed as one of the youngest billionaires ever to be known in this generation, due to his father’s inheritance that has been transferred into his hands at the early age of 8, which officially became his when he reached legal age. Despite that he is only 29 years of age, he already has a net worth of over $1.5 billion. Although this said worth is much less than the rest of his fellows included in this list, it cannot be denied that even earning a million at this age is not as easy as it looks. He may not be known much as a prince, but he owns the spotlight of being a very enthusiastic and skilled racing driver with the German team.

2. Mark Zuckerberg

Famous for being the owner of Facebook, Mark Zuckerberg was one of the youngest billionaires to ever earn his own money through the greatest social networking website that has been introduced in the planet. At the age of 28, he has already reached a net worth of over $13.3 billion, which changes depending on the performance of his company that dictates its stock prices. His worth had a huge jump in just one year from $9.4 billion in 2012, thanks to the efforts of the company in pushing its IPO. He is happily married to his college girlfriend and living in a life of luxury.

1. Dustin Moskovitz

Dustin Moskovitz is known for being one of the five people that have been responsible in the spreading of the popularity of Facebook through gaining endorsements and support from other colleges within the US. However, he already left Facebook in order to pursue other software projects such as Asana, which is a program that promotes project collaboration with other people. His net worth is $3.5 billion, which makes him the 151^st richest man in the world.

The beaches of the Dominican Republic are renowned for their beauty and tranquility. Pristine, unspoiled and scenic, you almost can’t go wrong anywhere in the D.R. The only way to access La Minitas Beach is by a ten minute shuttle or golf cart ride, making this a great pick for those that prefer to sunbathe in relative seclusion. Despite being relatively secluded, there are restaurants fairly close if you get hungry, and, best of all, there is a massage room directly on the beach. Sunbathing and a massage – how can you go wrong?


Over two miles of powder soft white sands that never get hot. Can we say sunbather’s paradise? This little slice of heaven lay virtually untouched until about 30 years ago. It is now considered by most to be one the best tropical vacation spots in the world. Make sure you go during Amihan (roughly September through June) when the temperatures are moderate, there is little rain and the prevailing wind blows a cool breeze in from the East.



South Beach is the “see and be seen” beach. For those who love a little eye candy while soaking up the rays, this is the place for you. South Beach really comes alive at night, though, and you are almost assured of seeing someone famous if you spend any time there. If quiet and peaceful is not your idea of the way to worship the sun, then renew your gym membership and plan a trip down to Miami.



Santorini’s Red Beach is one of the most picturesque locations on the list. Surrounded by soaring red lava cliffs (hence the name), this beach also has some of the most beautiful and unique red sand in the world. The beach is only accessible by boat, or by a ten minute descent by foot from above. The entire island was formed from a now-sleeping volcano – sleeping but not dead. Santorini is said to be the true Atlantis, as much of the island literally slipped below the sea in the course of a night.



Mexico is hardly short of beautiful cities, with gorgeous beaches. What sets Tulum apart is the proximity to some of the most stunning Mayan ruins in all of Mexico. Tulum lies about 80 miles from Cancun, making it close enough to explore Cancun if you choose, yet far enough away to escape the crowds and over abundance of hotels. In fact, Tulum has yet to be completely invaded by tourism and is, therefore, still rather secluded and peaceful. If you have an interest in archeology, ancient civilizations or just love exploring, then Tulum is the perfect combination of sun and adventure.



If you simply abhor those pesky tan lines, then try the naturalist beach in Vrboska. Surrounded by vineyards, pine groves and olive trees, this little cove is an incredibly beautiful spot for nude sunbathing. The beach has a plethora of rock outcroppings which can provide a secluded spot for sunbathing in your birthday suit, if you prefer privacy. If the full naturalist experience is more your style, then you may want to camp at the naturalist camp nearby complete with a small restaurant, store and gas station.



If picturesque is what you are looking for in a sunbathing experience, then Hanalei Bay Beach is a must-see. A near perfect semi-circle of white sand is surrounded by a backdrop of waterfalls and gorgeous mountains stretching up past the clouds. While it can get crowded, especially during the winter when the surfing is excellent, you won’t find a more stunning view to gaze at while tanning anywhere in the world.


If privacy and seclusion are what you look for in a sunbathing location, then look no further. This little gem of a spot can only be reached by boat, private plane or ferry. While modern electronics (ie: phones and computers) have reached this island paradise, they are still frowned on. The wilderness beach on Ocracoke has some of the most pristine sand to be found. Relax, get that book out you’ve been wanting to read and enjoy the rays.



Yes, the beach made famous by the song! Actually, Ipanema became famous in the 1970s when women first started wearing tangas (precursor to today’s thong bathing suit) on its shores. That atmosphere of freedom is still alive and well in Rio de Janero. It is a city full of life and is more than tolerant of self expression – on the beach or off. Topless sunbathing is common and thongs are still the preferred beachwear. If you want to let your hair down and show off your hard work at the gym, Rio is the place to do it.



Santa Cruz is classic California sunbathing. With almost 30 miles of oceanfront beaches to choose from, you can’t go wrong in Santa Cruz. If you are a big wave surfer, or just like to watch them, then Steamer Lane is the beach for you. If you want privacy and romance , try catching some rays at Seascape Beach. If you want some fun mixed in with your sun worship, then Main Beach is the place to be. Main Beach has an old fashioned boardwalk and amusement park, complete with rides, games and food just steps from the beach. Santa Cruz has something for everyone and a beach to suit everyone’s style.

Rank	City / Urban area	Country	Population	Land area (in sqKm)	Density (people per sqKm)
1	Tokyo/Yokohama	Japan	33,200,000	6,993	4,750
2	New York Metro	USA	17,800,000	8,683	2,050
3	Sao Paulo	Brazil	17,700,000	1,968	9,000
4	Seoul/Incheon	South Korea	17,500,000	1,049	16,700
5	Mexico City	Mexico	17,400,000	2,072	8,400
6	Osaka/Kobe/Kyoto	Japan	16,425,000	2,564	6,400
7	Manila	Philippines	14,750,000	1,399	10,550
8	Mumbai	India	14,350,000	484	29,650
9	Delhi	India	14,300,000	1,295	11,050
10	Jakarta	Indonesia	14,250,000	1,360	10,500
11	Lagos	Nigeria	13,400,000	738	18,150
12	Kolkata	India	12,700,000	531	23,900
13	Cairo	Egypt	12,200,000	1,295	9,400
14	Los Angeles	USA	11,789,000	4,320	2,750
15	Buenos Aires	Argentina	11,200,000	2,266	4,950
16	Rio de Janeiro	Brazil	10,800,000	1,580	6,850
17	Moscow	Russia	10,500,000	2,150	4,900
18	Shanghai	China	10,000,000	746	13,400
19	Karachi	Pakistan	9,800,000	518	18,900
20	Paris	France	9,645,000	2,723	3,550
21	Istanbul	Turkey	9,000,000	1,166	7,700
22	Nagoya	Japan	9,000,000	2,875	3,150
23	Beijing	China	8,614,000	748	11,500
24	Chicago	USA	8,308,000	5,498	1,500
25	London	UK	8,278,000	1,623	5,100
26	Shenzhen	China	8,000,000	466	17,150
27	Essen/Düsseldorf	Germany	7,350,000	2,642	2,800
28	Tehran	Iran	7,250,000	686	10,550
29	Bogota	Colombia	7,000,000	518	13,500
30	Lima	Peru	7,000,000	596	11,750
31	Bangkok	Thailand	6,500,000	1,010	6,450
32	Johannesburg/East Rand	South Africa	6,000,000	2,396	2,500
33	Chennai	India	5,950,000	414	14,350
34	Taipei	Taiwan	5,700,000	376	15,200
35	Baghdad	Iraq	5,500,000	596	9,250
36	Santiago	Chile	5,425,000	648	8,400
37	Bangalore	India	5,400,000	534	10,100
38	Hyderabad	India	5,300,000	583	9,100
39	St Petersburg	Russia	5,300,000	622	8,550
40	Philadelphia	USA	5,149,000	4,661	1,100
41	Lahore	Pakistan	5,100,000	622	8,200
42	Kinshasa	Congo	5,000,000	469	10,650
43	Miami	USA	4,919,000	2,891	1,700
44	Ho Chi Minh City	Vietnam	4,900,000	518	9,450
45	Madrid	Spain	4,900,000	945	5,200
46	Tianjin	China	4,750,000	453	10,500
47	Kuala Lumpur	Malaysia	4,400,000	1,606	2,750
48	Toronto	Canada	4,367,000	1,655	2,650
49	Milan	Italy	4,250,000	1,554	2,750
50	Shenyang	China	4,200,000	453	9,250
51	Dallas/Fort Worth	USA	4,146,000	3,644	1,150
52	Boston	USA	4,032,000	4,497	900
53	Belo Horizonte	Brazil	4,000,000	868	4,600
54	Khartoum	Sudan	4,000,000	583	6,850
55	Riyadh	Saudi Arabia	4,000,000	1,101	3,650
56	Singapore	Singapore	4,000,000	479	8,350
57	Washington	USA	3,934,000	2,996	1,300
58	Detroit	USA	3,903,000	3,267	1,200
59	Barcelona	Spain	3,900,000	803	4,850
60	Houston	USA	3,823,000	3,355	1,150
61	Athens	Greece	3,685,000	684	5,400
62	Berlin	Germany	3,675,000	984	3,750
63	Sydney	Australia	3,502,000	1,687	2,100
64	Atlanta	USA	3,500,000	5,083	700
65	Guadalajara	Mexico	3,500,000	596	5,900
66	San Francisco/Oakland	USA	3,229,000	1,365	2,350
67	Montreal.	Canada	3,216,000	1,740	1,850
68	Monterey	Mexico	3,200,000	479	6,700
69	Melbourne	Australia	3,162,000	2,080	1,500
70	Ankara	Turkey	3,100,000	583	5,300
71	Recife	Brazil	3,025,000	376	8,050
72	Phoenix/Mesa	USA	2,907,000	2,069	1,400
73	Durban	South Africa	2,900,000	829	3,500
74	Porto Alegre	Brazil	2,800,000	583	4,800
75	Dalian	China	2,750,000	389	7,100
76	Jeddah	Saudi Arabia	2,750,000	777	3,550
77	Seattle	USA	2,712,000	2,470	1,100
78	Cape Town	South Africa	2,700,000	686	3,950
79	San Diego	USA	2,674,000	2,026	1,300
80	Fortaleza	Brazil	2,650,000	583	4,550
81	Curitiba	Brazil	2,500,000	648	3,850
82	Rome	Italy	2,500,000	842	2,950
83	Naples	Italy	2,400,000	583	4,100
84	Minneapolis/St. Paul	USA	2,389,000	2,316	1,050
85	Tel Aviv	Israel	2,300,000	453	5,050
86	Birmingham	UK	2,284,000	600	3,800
87	Frankfurt	Germany	2,260,000	984	2,300
88	Lisbon	Portugal	2,250,000	881	2,550
89	Manchester	UK	2,245,000	558	4,000
90	San Juan	Puerto Rico	2,217,000	2,309	950
91	Katowice	Poland	2,200,000	544	4,050
92	Tashkent	Uzbekistan	2,200,000	531	4,150
93	Fukuoka	Japan	2,150,000	544	3,950
94	Baku/Sumqayit	Azerbaijan	2,100,000	544	3,850
95	St. Louis	USA	2,078,000	2,147	950
96	Baltimore	USA	2,076,000	1,768	1,150
97	Sapporo	Japan	2,075,000	414	5,000
98	Tampa/St. Petersburg	USA	2,062,000	2,078	1,000
99	Taichung	Taiwan	2,000,000	510	3,900
100	Warsaw	Poland	2,000,000	466	4,300
101	Denver	USA	1,985,000	1,292	1,550
102	Cologne/Bonn	Germany	1,960,000	816	2,400
103	Hamburg	Germany	1,925,000	829	2,300
104	Dubai	UAE	1,900,000	712	2,650
105	Pretoria	South Africa	1,850,000	673	2,750
106	Vancouver	Canada	1,830,000	1,120	1,650
107	Beirut	Lebanon	1,800,000	648	2,800
108	Budapest	Hungary	1,800,000	702	2,550
109	Cleveland	USA	1,787,000	1,676	1,050
110	Pittsburgh	USA	1,753,000	2,208	800
111	Campinas	Brazil	1,750,000	492	3,550
112	Harare	Zimbabwe	1,750,000	712	2,450
113	Brasilia	Brazil	1,625,000	583	2,800
114	Kuwait	Kuwait	1,600,000	544	2,950
115	Munich	Germany	1,600,000	518	3,100
116	Portland	USA	1,583,000	1,228	1,300
117	Brussels	Belgium	1,570,000	712	2,200
118	Vienna	Austria	1,550,000	453	3,400
119	San Jose	USA	1,538,000	674	2,300
120	Damman	Saudi Arabia	1,525,000	673	2,250
121	Copenhagen	Denmark	1,525,000	816	1,850
122	Brisbane	Australia	1,508,000	1,603	950
123	Riverside/San Bernardino	USA	1,507,000	1,136	1,350
124	Cincinnati	USA	1,503,000	1,740	850
125	Accra	Ghana	1,500,000	453	3,300