a.Individual weighted received premium (WRP) grew 11% YoY, while overall premium rose 24% YoY. b.For 11M FY18, the market share in individual WRP improved to 13.2%. Group segment (largely protection business) market share stood at 29.5%. c.Premium mix moved in favor of ULIPs, but the company mentioned that it would look to increase the share of high-margin products over the medium term. d.Operating expenses stood at 12.3% for the quarter and at 13.5% (v/s 12.6% in FY17) for FY18.