HDFC Life is the most expensive insurer on stock exchanges. Vibha Padalkar became the public face of the company when she succeeded Amitabh Chaudhry as the CEO after serving the company for nearly two decades in various capacities. In an interview with Shilpy Sinha and MC Govardhana Rangan, she outlines her strategy and what are the obstacles in achieving her targets. Edited excerpts: