CONSUMER PERCEPTION TOWARDS Icici

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CHAPTER 1
INDIAN INSURANCE
INDUSTRY
AN OVERVIEW
Amity Global Business School Chandigarh
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THE INSURANCE INDUSTRY IN INDIA

INSURANCE:
Definition:
Insurance is a contract between a person and an insurance company in which that person pays
some amount or premium. So at the situation of some uncertainty or death or maturity or
disposal of some asset he gets some amount of Insured value.
The objective of insurance is generally:
a) Family protection and / or
b) Provision for old age.
c) Protection against risks
Why Insurance?
Insurance cover is essential because it provides the following benefits:

A lump sum payment to the nominees at the time of the death of the policy holder.
A regular payment to the nominees in the event of the death of the policy holder. Tax
benefits, as premiums paid reduce the liability of tax.

Relieves economic hardships in the family on the uneventful death of the sole income
holder.
Inculcates the habit of savings.
NEED FOR INSURANCE:

Who will take care of my family if tomorrow something unfortunate happens to me? If this
question
bothers
you,
then
Life
Insurance
is
the
answer.
Of course, under any circumstances, the loss of a loved one is a traumatic experience. But, if
your family is also left without sufficient money to meet basic living needs or prepare for
future goals, they will have to cope with a financial crisis at the same time. A Life Insurance
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plan ensures that your family is financially secure even if tomorrow you are no longer around
to care for them. Life insurance, especially tailored to meet your financial needs:
Need for Life Insurance

Today, there is no shortage of investment options for a person to choose from. Modern day
investments include gold, property, fixed income instruments, mutual funds and of course,
life insurance. Given the plethora of choices, it becomes imperative to make the right choice
when investing your hard-earned money. Life insurance is a unique investment that helps you
to meet your dual needs - saving for life's important goals, and protecting your assets. Let us
look at these unique benefits of life insurance in detail.
The table below gives a general guide to the plans that are appropriate for
different life stages.
g Life
Stage e
Prim Primary Need ary

Need
Asset creation
Wealth creation plans
Young & Just married
Asset creation &

protection
Wealth creation and mortgage

protection plans
Married with kids
Children's education, Asset

creation and protection
Education insurance, mortgage

protection & wealth creation plans
Middle aged with

grown up kids
Planning for retirement &

asset protection
Retirement solutions & mortgage

protection
Across all life-stages
Health plans
Health Insurance
Young & Single
Life Insurance Product Life Insurance

Product
1.3 Characteristics of insurance
Sharing of risks
Evaluation of risk
Payment on happening of a special event
The amount of payment depends on the nature of losses incurred.
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The success of insurance business depends on the large number of people insured
against similar risk.

Insurance is a plan, which spreads the risk and losses of few people among a large
number of people.
The insurance is a plan in which the insured transfers his risk on the insurer.
Insurance is a legal contract which is based upon certain principles of insurance which
includes utmost good faith, insurable interest, contribution, indemnity, causes
proximal , subrogation, etc.

The scope of insurance is much wider and extensive.
Functions of insurance:
Primary functions:
1. Provide protection: - Insurance cannot check the happening of the risk, but can provide
for the losses of risk.
2. Collective bearing of risk: - Insurance is a device to share the financial
losses of few among many others.
3. Assessment of risk: - Insurance determines the probable volume of risk by evaluating
various factors that give rise to risk.
4. Provide certainty: - Insurance is a device, which helps to change from uncertainty to

certainty.
Secondary functions:
1. Prevention of losses: - Insurance cautions businessman and individuals
to adoptsuitable device to prevent unfortunate consequences of risk by observing safety
instructions.
2. Small capital to cover large risks: - Insurance relives the businessman from
security investment, by paying small amount of insurance against larger risks and uncertainty.
3. Contributes towards development of larger industries.

Other Function:
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Means of savings and investment: Insurance companies are business houses. The product
they sell is financial protection. To succeed and survive, they must cover their costs, which
include payments to cover the losses of policyholders, as well as sales and administrative
expenses, taxes and dividends.
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CHAPTER -2
CONSUMER PERCEPTION ON
LIFE INSURANCE
INTRODUCTION
Perception is the process by which organisms interpret and organize sensation to produce a
meaningful experience of the world.
Thus, perception in humans describes the process whereby sensory stimulation is translated
into organized experience.
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2.2 ABOUT CONSUMER PERCEPTION:

Consumer behavior studies the behavior of individual or a group of people. The
study of consumer behavior provides marketers to understand and predict the
future market behavior.
2.3. INTRODUCTION:
Consumer behavior is the process where the individual decides what, when, how
and from whom to purchase goods and services. Consumer behavior studies how
individuals, groups and organization select, buy, use dispose of goods, services,
ideas or experiences to satisfy their needs and desire.
The study of consumer behavior enables marketers to understand and predict
consumer behavior in the market place in advance and it is concerned not only
with what consumers buy but also with why, when, where, how and how often
they buy it.
Consumer research is the methodology which is used to study consumer behavior
and it takes place at every phase of the consumption process during before and
after the purchase.
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CHAPTER-3
COMPANY PROFILE:
ICICI Prudential
Company Profile
ICICI Prudential Life Insurance Company (ICICI Prudential Life) is a joint venture between
ICICI Bank Ltd., India's largest private sector bank, and Prudential plc, a leading
international financial services group headquartered in the United Kingdom.
ICICI Prudential Life was amongst the first private sector life insurance companies to begin
operations in December 2000 after receiving approval from Insurance Regulatory
Development Authority of India (IRDAI).
ICICI Prudential Life's capital infused stands at Rs. 48.16 billion (as of March 31, 2015) with
ICICI Bank Ltd. and Prudential plc holding 74% and 26% stake respectively. For FY2015,
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the Company garnered a total premium of Rs. 153.07 billion. The company has assets under
management in excess of Rs. 1001.83 billion as on March 31, 2015.
Vision & Values

Our vision:
To be the dominant Life, Health and Pensions player built on trust by world-class people and
service.
This we hope to achieve by:
Understanding the needs of customers and offering them superior

products and service;
Leveraging technology to service customers quickly, efficiently and
conveniently;
Developing and implementing superior risk management and investment

strategies to offer sustainable and stable returns to our policyholders;
Providing an enabling environment to foster growth and learning for our

employees;
And above all, building transparency in all our dealings.
Range of Products
At ICICI Prudential Life, we understand that different individuals have different needs.
The ideal insurance plan is one that addresses the exact insurance needs of the individual
which depends on the age and life stage of the individual apart from a host of other factors.
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IRDAI
(Insurance Regulatory and Development Authority of India)
Insurance Regulatory and Development Authority of India (IRDAI) is an autonomous
statutory body which regulates and develops the insurance industry in India. It was
constituted by a Parliament of India act called Insurance Regulatory and Development
Authority Act, 1999 and duly passed by the Government of India.
The agency operates from its headquarters at Hyderabad, Telangana where it shifted from
Delhi in 2001.
IRDA batted for a hike in the foreign direct investment (FDI) limit to 49 per cent in the
insurance sector from the erstwhile 26 per cent. The FDI limit in insurance sector was raised
to 49% in July 2014.
History
The IRDA Act, 1999 was passed as per the major recommendation of the Malhotra
Committee report (7 Jan, 1994) which recommended establishment of an independent
regulatory authority for insurance sector in India.
Insurance Repository
Recently the Finance Minister of India announced the setting of insurance repository system.
An Insurance Repository is a facility to help policy holders buy and keep insurance policies
in electronic form, rather than as a paper document. Insurance Repositories, like Share
Depositories or mutual fund Transfer Agencies, will hold electronic records of insurance
policies issued to individuals and such policies are called electronic policies or e Policy.
Functions and Duties of IRDA

Section 14 of the IRDA Act, 1999 lays down the duties, powers and functions of IRDA.
Registering and regulating insurance companies
Protecting policyholders interests
Licensing and establishing norms for insurance intermediaries
Promoting professional organisations in insurance
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Regulating and overseeing premium rates and terms of non-life insurance covers
Specifying financial reporting norms of insurance companies
Regulating investment of policyholders funds by insurance companies
Ensuring the maintenance of solvency margin by insurance companies
Ensuring insurance coverage in rural areas and of vulnerable sections of society
Indian Insurance Market

The insurance industry of India consists of 52 insurance companies of which 24 are in life
insurance business and 28 are non-life insurers. Among the life insurers, Life Insurance
Corporation (LIC) is the sole public sector company.
Out of 28 non-life insurance companies, there are six public sector insurers, which include
two specialized insurers namely Agriculture Insurance Company Ltd for Crop Insurance and
Export Credit Guarantee Corporation of India for Credit Insurance. Moreover, there are 5
private sector insurers are registered to underwrite policies exclusively in Health, Personal
Accident and Travel insurance segments. They are Star Health and Allied Insurance Company
Ltd, Apollo Munich Health Insurance Company Ltd, Max Bupa Health Insurance Company
Ltd, Religare Health Insurance Company Ltd and Cigna TTK Health Insurance Company
Ltd.
In addition to 52 insurance companies, there is sole national re-insurer, namely, General

Insurance Corporation of India. Other stakeholders in Indian Insurance market include
licensed Agents (Individual and Corporate), Brokers, Common Service Centers, WebAggregators, Surveyors and Third Party Administrators servicing Health Insurance claims.
Insurance Laws (Amendment) Act, 2015 providesfor enhancement of the Foreign Investment
Cap in an Indian Insurance Company from 26% to an Explicitly Composite Limit of 49%
with the safeguard of Indian Ownership and Control.
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Insurance penetration of India i.e. Premium collected by Indian insurers is 3.90% of GDP in
FY 2013-14. Per capita premium underwritten i.e. insurance density in India during FY 201314 is US$ 52.0.
CHAPTER -4
RESEARCH DESIGN
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RESEARCH METHODOLOGY:
Data collection:
For data collection, I developed a well-defined questionnaire as a research instrument,
consisting questions aimed to measure the consumer perception about insurance company in
India, their views and comments about Companys structure. I conducted unstructured
interviews (sample size) of 150 persons of different age group in time duration of eight
weeks. All the data generated was primary data that was generated from different peoples of
Mandi (H.P.)
RESEARCH OBJECTIVES:
To know about the types of insurance policy taken by consumer

To know about the total sum assured of life insurance
To know about the share of public insurance in insurance sector
To know about the share of ICICI Pru in life insurance in insurance sector
To know about the reasons for investment in life insurance
The main aim of the research was to explore consumers attitudes to allowing
insurance companies to access results of genetic tests for the purpose of risk
assessment and premium setting. More specifically, the objectives of the research
were:
Proper understanding and analysis of life insurance industry.
To know about brand awareness of ICICI Prudential
Insurance
and
customers preference.
Conduct market survey on a sample selected from the entire population and derive
opinion on that research.
To explore consumers understanding of life insurance companies use of different
factors in assessing risk.
To understand consumers attitudes to life insurance companies use of different
factors in assessing risk.
To explore consumer attitudes to disclosure of information to insurance companies.
To gain an understanding of why consumers hold particular attitudes.
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Research design:
Sampling plan
Since it is not possible to study whole population, it is necessary to obtain representative
samples from the population to understand its characteristics.
Sampling Units:
Individual respondents for studying Customer Buying Behavior and Market Segmentation,
selected randomly from different areas in Himachal, like various localities and markets,
Government Offices Business Men, Professionals and House Wives of for recruitment of Life
Insurance Advisors
Sample Technique:
Random Sampling
Research Instrument:
Structured Questionnaire
Contact Method:
Personal Interview
Sample size
Study of Customer Buying Behavior and Market Segmentation: 150 Respondents
SAMPLE DESIGN
The target population of the study consists of various respondents of various places. This
survey was done by collecting the data from the respondents.
SAMPLE SIZE
After due consultation with the company supervisor as well as with the
college guide, also keeping in mind the requirements of the company for
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the research, the sample size that was found to be appropriate for the
study was 150.
Research limitations
The research is confined to a small town in Himachal Pradesh and does not necessarily show
a pattern applicable to all of country.
Some respondents were reluctant to divulge personal information which can affect the
validity of all responses.
In a rapidly changing industry, analysis on one day or in one segment can change very
quickly. The environmental changes are vital to be considered in order to assimilate
the findings.
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CHAPTER -5
FINDINGS & ANALYSIS
I have presented below the project findings and analysis, addressed to the respondents to
gauge the attitude, perception and consumer behavior of the people toward life insurance.
5.1. SWOT ANALYSIS OF ICICI Prudential LIFE INSURANCE:

Analysis of the industrys environment:
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ICICI Prudential is a joint venture between ICICI financial group and Prudential PLC U.K.
Which provides it a domestic as well as international appeal? ICICI Prudential is Indias
leading insurance company after LIC Making it the first choice for consumers.
5.1.1. STRENGTH:
1. Domestic image of ICICI supported by Prudentials international image is strength of the
company.
2. Strong and well spread network of qualified intermediaries and sales person.
3. Strong capital and reserve base.
4. The company provides customer service of the highest order.
5. Huge basket of product range which are suitable to all age and income groups.
6. Large pool of technically skilled manpower with in depth knowledge and understanding of
the market.
7. The company also provides innovative products to cater to different needs of different
customers.
5.1.2. WEAKNESS:
1. Heavy management expenses and administrative costs.
2. Low customer confidence on the private players.
3. Vertical hierarchical reporting structure with many designations and cadres leading to
power politics at all levels without any exception.
4. Poor retention percentage of tied up agents.
5. Tough fight from govt schemes
6. Fight from players like LIC.
5.1.3. OPPORTUNITIES:
1. Insurable population According to ING only 10% of the population is insured, which
represents around 30% of the insurable population. This suggests more than 300m people,
with the potential to buy insurance, remain uninsured.
2. There will be inflow of managerial and financial expertise from the worlds leading
insurance markets. Further the burden of educating consumers will also be shared among
many players.
3. International companies will help in building world class expertise in local market by
introducing the best global practices.
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4. Insurance liberalization in India is expected to result in a wider choice of major

commercial insurance covers, such as fire, export credit.
5.1.4. THREATS :
1. Legislation could impact.
2. Great risk involved
3. Very high competition prevailing in the industry.
4. Vulnerable to reactive attack by major competitors.
5. Lack of infrastructure in rural areas could constrain investment.
6. High volume/low cost market is intensely competitive.
Findings-Graphs
1. Age Group of Respondents
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Conclusion
When it comes to age factor out of 150 respondents 20.66% are below 30, 24.6% are between
31-40, 36.6% are between 41-50, 11.33% are between 51-60 and 6.60% are above 60 year of
age.
2. Occupation
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Conclusion
Out of 150 respondents 14.6 percent people are private employee, 46.66 were government
employee, 30% are self-employed and others were 8.66%.
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3. Annual Income
Conclusion
Annual income of people are given below
Below 1 Lakh 8.66%
1-3 Lakh 48.66%
3-5 Lakh 28%
Above 5 Lakh 14.66%
4. What kind of investment do you prefer?
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Conclusion
Investment preference
Out of 150 respondents 44.6% like Short term policies, 46.66% like long term policies and
8.66% like both.
5. Which of these investments is best for you?
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Conclusion
In this survey we discovered most of people like to invest in insurance or bank deposite after
that people also like gold and silver as well.
6. DO you have any Insurance Policy?
25 |
Conclusion
In this survey 72% people had Insurance policies.
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7. IF yes which Scheme you have?
Conclusion
According to study most of people around 34.25 % people Have life plan followed by education and
retirement plan then wealth and money plan.
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8. Which Parameters do you look into while choosing policy?
Conclusion
In this study most of people are worried about premium and benefits provide by policy.
9. DO you know about ICICI Prudential?
28 |
Conclusion
In the study it was found most of people know about ICICI.
10. Would you like to invest in ICICI Prudential?
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Conclusion
Around 58 % people like to invest in ICICI but the govt policies has also captured the charm.
11. If yes then which quality of ICICI you like the most.
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Conclusion
The best quality of ICICI Prudential was Brand name and image other factor was not very important
for respondents.
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Conclusion
After the survey it was found that still major portion of customers go for public insurance
companies, but with the entry of more and more private companies the scenario is changing
rapidly, people need of more and better returns are opting for private companies, and this can
be justified by the increasing market share of private companies in the Indian insurance
sector. There are various ways in which private companies are found much more lucrative
than public companies and the fact which support this statement are as follows:
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1. Versatility of products
2. Efficient and dedicated fund managers
3. Better customer services
4. More returns
5. Regular follow up
6. Quicker settlement
7. More e-services
CONCLUSION:
ICICI Prudential is the renounce name in the insurance sector. It believes in quality not in
quantity. ICICI Pru is a subsidiary of ICICI Group. It is one the first Private insurance
company who has gotten the license of insurance firstly in India. It has started its insurance
industry with the joint venture of U.K. based Prudential Plc .In the insurance sector main
work is done by the local people like housewives, businessmen, local people of the native
place. So it gives priority to these locals so that they can penetrate the market easily and get
better results.
The insurance market in India is estimated to be around 400Bn growing at an astounding rate
of 30% p.a. Still the experts believe that the potential is largely untapped. The insurance
market is dominated by the public sector giant LIC with a market share of around 71.4%.
With the private players leading the growth story, this sector is witnessing more marketing
actions than even the FMCG sector. Traditionally insurance are sold through direct selling the
reason being purely the nature of product warrants direct communication with the consumer.
Kilter categorizes Insurance as an "Unsought" product. Unsought products are those which
are ranked lowest in terms of consumer interest .Consumers may not be even aware of either
the need or existence of this product. Historically, Indian insurance products are sold for
wrong reasons. People buy insurance to avail the tax benefit and not to ensure protection and
LIC was happy to oblige. Hence most of the sales talks start with the question " How much
tax do you pay?" . Little money was spent on brand building because there was
no competition for LIC. Things have now changed. With the increasing financial literacy,
volatile economy and uncertain future are prompting Indians to look seriously at insurance as
a means for protection rather than tax saving instrument.
With more private players entering the domain, the issues of differentiation and branding
became important. HDFC Standard Life Insurance (HDFCSL) is one of the major players in
the insurance market. One of the first private insurers to enter the market, HDFC SL entered
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the scene in 2000. It is a joint venture between the housing finance major HDFC and the UK
insurance giant Standard Life.
Now a days we are seeing a lot of media action from this company.Although a slow starter
HDFC SL was having a small share of the pie. It was eclipsed by ICICI prudential with its
media and sales blitz making it second largest player in the Insurance market. 2006 saw a
shakeup in this market with Bajaj Allianz edging out ICICI from the second spot . Bajaj have
a market share of around 8% and HDFC SL and ICICI fighting at 3rd place with around
7.5%.HDFC is currently focusing on The Pension Plan and the Child Plan aiming to cash in
on the potential of these segments.
The pension market in India is estimated to be around 1000 crore with a huge potential for
growth in the future. The change in the demographics is going to drive the pension market in
India. Traditionally in a Joint family, there was an inherent protection for elders. With the
urbanization and the evolution of Nuclear Urban Family, elders are often forgotten. Out of the
314 men workers in India only 11% has some sort of old age security. People earlier depend
on social security products like EPF and PPF to build a corpus for their golden years. It is this
potential that has encouraged ICICI Prudential to promote its pension plans. This product has
been well received by the consumers. The ads are well executed and revolve around the
positioning of "Respect Yourself" The target segment being the 30 year old family man. The
basic theme of the campaign is to appeal to the self-respect of these men who are in their
prime of their career. "Even after retirement let your hands give rather than receive" is one of
the best themes for a pension plan. Since I am going to in that category soon, these ads strike
a chord in me and remind me of the need to plan for my retirement. The same theme is
carried to the Child plan also. Although these campaigns will help to invoke an interest in
Child Plans, the market is in its nascent stage and lot of convincing has to be done to crack
this huge market. One of the stumbling block being the expensive annuity plans.
For example, it takes a 2 lakh corpus to generate Rs 1000 per month pension. Also if you put
10000 per month in a pension plan if you are 30 yrs old,
What you will get after 20 years is a monthly pension of 10000. So it looks unattractive in
the first look compared to Mutual Funds. HDFC Standard Life has correctly identified the
pulse of the target market and is all set to reap the benefits.
With increase in population and income there is a wide scope in insurance sector. Insurance
sector provides some security to the consumer for any type of miss happening. In this sector,
IRDA plays an important role and time to time gives important guide lines to various
companies. Still, LIC plays an important role and has maximum share in this sector. Recently
banking sector has also moved towards insurance sector since they would get better dividends
than the commission they would get by entering into partnerships with other major insurance
market players. Union Bank, Federal Bank, Allahabad Bank, Bank of India, Karnataka Bank,
Indian Overseas Bank, Bank of Maharashtra, Bank of Baroda, Punjab National Bank, and
Dena Bank are planning to enter in this sector. Among private sectors Max New York
insurance company plays a vital role. There are various factors that affect the consumer
buying decision and also influence consumer thinking when they are planning to invest in
34 |
insurance scheme .Major respondents generally prefer insurance like vehicle insurance, term
cover insurance, medical/health insurance and they also prefer sum assured of life insurance
less than Rs 10 lakh. Most of the respondents show their interest in life insurance having
higher risk coverage and also for tax saving purpose.
FACTORS INFLUENCING CONSUMER BEHAVIOUR:

1. Social factor:
Social factor divides the society into a hierarchy of distinct classes. The members of
each class have relatively the same status and members of other classes have either
more or less status. It includes family, group, celebrity etc.
2. Cultural factor:
It has potent influences that are brought up to follow the beliefs, values and customs
of their society and to avoid behavior that is judged acceptable. Beliefs, values and
customs set subculture apart from other members of the same society. Thus subculture is a distinct cultural group that exists as an identifiable segment, within a
larger, more complex society.
3. Personal factor:
It is a very important factor. Personal factors also influence buyers behavior. They
include age, income, occupation, life style. They simply direct our outer personality.
4. Psychology factor:
The buying behavior of consumer is influenced by a number of psychological factors
which includes motivation, perception, learning, beliefs and attitude and personality.
Recommendations
SUGGESTION:
When we talk about suggestion I think I have small experience of this sector but whatever I
have pointed out which are thus.
1. It should organize weakly meeting with Insurance advisors for the business and give
appraisal training to them. It works as a performance appraisal of the them.
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2. It should give monthly party to the advisors for the attachment with the industry.
3. Generally we buy only that thing whatever we see. It means that it should spend more on
advertisement. Other insurance industry like LIC and HDFC advertise mostly through banner
on metro station, on road and advertise in the cinema hall. Add more and more movie hall for
the advertisement.
4. The role of recruitment is not easy so it should increase commission or give salary instead
of commission so that advisors will take more interest in sales of plans.
5. It should focus more on people who comes in middle class category for the post of
insurance advisors.
LIMITATIONS OF THE STUDY:
The information given in the above part is based on market survey, meeting with the people,
and phone calls, and the other medium like internet and website of ICICI Prudential. My
project is based upon the interaction with the people for the purpose of market research based
on consumer perception. My study is totally based on the perception of the people that what
they think about the insurance when someone want to go for insurance. I analyze that the
person who is needy for money and security for their family their life and their kids and
36 |
believes in insurance because this sector gives you a platform for security of family
investment for future.

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Amity Global Business School Chandigarh

THE INSURANCE INDUSTRY IN INDIA

Insurance cover is essential because it provides the following benefits:

benefits, as premiums paid reduce the liability of tax.

NEED FOR INSURANCE:

Amity Global Business School Chandigarh

Need for Life Insurance

Prim Primary Need ary

Wealth creation plans

Young & Just married

Asset creation &

Wealth creation and mortgage

Married with kids

Children's education, Asset

Education insurance, mortgage

Middle aged with

Planning for retirement &

Retirement solutions & mortgage

Across all life-stages

Young & Single

Life Insurance Product Life Insurance

1.3 Characteristics of insurance

Amity Global Business School Chandigarh

against similar risk.

proximal , subrogation, etc.

4. Provide certainty: - Insurance is a device, which helps to change from uncertainty to

3. Contributes towards development of larger industries.

Amity Global Business School Chandigarh

2.2 ABOUT CONSUMER PERCEPTION:

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

Vision & Values

This we hope to achieve by:

Understanding the needs of customers and offering them superior

Developing and implementing superior risk management and investment

Providing an enabling environment to foster growth and learning for our

And above all, building transparency in all our dealings.

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

Functions and Duties of IRDA

Licensing and establishing norms for insurance intermediaries

Promoting professional organisations in insurance

Amity Global Business School Chandigarh

Specifying financial reporting norms of insurance companies

Regulating investment of policyholders funds by insurance companies

Ensuring the maintenance of solvency margin by insurance companies

Ensuring insurance coverage in rural areas and of vulnerable sections of society

Indian Insurance Market

In addition to 52 insurance companies, there is sole national re-insurer, namely, General

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

To know about the types of insurance policy taken by consumer

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

5.1. SWOT ANALYSIS OF ICICI Prudential LIFE INSURANCE:

Amity Global Business School Chandigarh

4. Insurance liberalization in India is expected to result in a wider choice of major

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

Amity Global Business School Chandigarh

4. What kind of investment do you prefer?

Amity Global Business School Chandigarh