Professional Documents
Culture Documents
SIP Project
SIP Project
WHAT IS INSURANCE?
The business of insurance is related to the protection of the economic values of
the assets. Every asset has a value. The assets are valuable to the owner because
he expect some benefits from it. Benefits may be in form of income or may be
in other form. Every asset is expected to last for a certain period of time during
which it will provide benefits. So, there is a life time for every assets, none of
them will last for ever. The owner is aware of this and he can so manage his
affairs that by the end of that period of life time, a substitute is made available.
Thus he can make sure that the benefit is not lost. An accident or some other
unfortunate event may destroy it or make it incapable of giving the benefit.
Insurance is a mechanism that helps to reduce the effects of such adverse
situations. It promises to pay to the owner or beneficiary of the asset, a
certain sum if the loss occurs.
NEED FOR INSURANCE
Modern life insurance caters to multiple needs for insurance, which can be
broadly classified as under:
Ps. Note that we have not taken into account the future income growth of the
person. Hence this is not the exact human life value but only a representation to
give the customer a fair idea of how it works.
THE HISTORY OF INDIAN LIFE INSURANCE INDUSTRY
I nsurance sector has been opened up for competition from Indian private
insurance companies with the enactment of Insurance Regulatory and
Development Authority Act, 1999 (IRDA Act). As per the provisions of
IRDA Act, 1999, Insurance Regulatory and Development Authority (IRDA)
was established on 19th April 2000 to protect the interests of holder of
insurance policy and to regulate, promote and ensure orderly growth of the
insurance industry. IRDA Act 1999 paved the way for the entry of private
players into the insurance market which was hitherto the exclusive privilege of
public sector insurance companies/ corporations. Under the new dispensation
Indian insurance companies in private sector were permitted to operate in India
with the following conditions:
The minimum paid up equity capital for life or general insurance business
is Rs.100crores.
I ndian life-insurance market is the target market of all the companies who
either want to extend or diversify their business. To tap the Indian market
there has been tie-ups between the major Indian companies with other
International insurance companies to start up their business. The government of
India has set up rules that no foreign insurance company can set up their
business individually here and they have to tie up with an Indian company and
this foreign insurance company can have an investment of only 24% of the total
start-up investment.
Unfortunately the concept of insurance is not popular in our country .As per the
latest estimates, the total premium income generated by life and general
insurance in India is estimated at around a meagre 1.95% of GDP. However
India's share of world insurance market has shown an increase of 10% from
0.31% in 2004-2005 to 0.34% in 2005-2006 India's market share in the life
insurance business showed a real growth of 11 % thereby
outperforming the global average of 7.7% Non-life business grew by 3.1%
against global average of 0.20%. In India insurance spending per capita was
among the lowest in the world at $7.6 compared to $7 in the previous year.
Amongst the emerging economies, India is one of the least insured countries but
the potential for further growth is phenomenal, as a significant portion of its
population is in services and the life expectancy has also increased over the
years.
So it is clear that the face of life insurance in India is changing, but with the
changes come a host of challenges and it is only the credible players with a long
term vision and a robust business strategy that will survive. Whatever the
developments, the future and the opportunities in this industry will surely be
exciting.
PRINCIPLES OF LIFE INSURANCE :
Proposer Offers-Insurer
Lawful Consideration Accept.
Lawful Objective
Insured and Insurer are in
agreement –of same mind and
free consent.
Since all the essential of valid contract are present in life insurance contract. So,
life insurance is a legal contract.
Principle Of Life Insurance:
Life insurance depends upon three principles. Principles of life insurance are as
follow:
Principle of INDEMNITY
Now, a question may be arise in the mind of the individual that what is
“Material Fact”.
Material fact can be of two types. There are some material fact that have to be
disclose before signing this contract. they are:
However there are some types of material facts that have no stake in insurance
contract. Such Materials facts that need not to be disclosed are-
INSURABLE INTEREST
Insurable interest means any financial interest exist between two parties. To
ensure that subject matter insurable interest is a monetary interest.
Monetary Interest.
Recognized in Law.
Relationship Recognized by law:
Any person in himself.
Husband and wife in each other.
Creditors on Debtors.
Surety on Principal.
Partners in business.
Employer on Employee.
Parents in Lives of their Minor children.
Principle Of INDEMNITY
Principles of Indemnity does not apply in Life Insurance but it does apply in
General Insurance.
TITLE JUSTIFICATION:
The above title is self explanatory. The study deals mainly with studying the
buying pattern in the insurance industry with a special focus on MetLife India
Insurance Co. Ltd. The various segments of the markets divided in terms of
Insurance Needs, Age groups, Satisfaction levels etc will also studied.
OBJECTIVE
1) Establishing Goals :
The first step in any survey is deciding what you want to learn. The goals
of the project determine whom you will survey and what you will ask
them. If your goals are unclear, the results will probably be unclear.
The study deals mainly with studying the buying pattern in the insurance
industry with a special focus on MetLife India Insurance Co. Ltd.
In this project:
Sampling Unit:
The respondents who were asked to fill out questionnaires are the sampling
etc.
Sample size:
The sample size was restricted to only 100, which comprised of mainly peoples
from different regions of Kolkata due to time constraints.
Sampling Area:
Once you have decided on your sample you must decide on your method of data
collection. Each method has advantages and disadvantages. The Source of data
collection both primary and secondary data of the company.
In this Project:
4)Questionnaire Design :
The first rule is to design the questionnaire to apply the KISS technique. KISS-
keep it short and simple.
Researchers use three basic types of questions: multiple choice, numeric open
end and text open end .
In this Project:
In this project have make questionnaire keep in mind the above mention
principles of making questionnaire & done a survey in my respective sample
size.
The Survey System will invariably provide you with mathematically correct
answers to your questions, but choosing sensible questions and administering
surveys with sensitivity and common sense will improve the quality of your
results dramatically.
1. The research is confined to a certain parts of Kolkata and does not necessarily
shows a pattern applicable to all of Country.
2. Some respondents were reluctant to divulge personal information which can
affect the validity of all responses.
Around the world, the MetLife companies offer life, accident and health
insurance, retirement and savings and reinsurance products through agents,
third-party distributors such as banks and brokers, and direct marketing
channels. We work with families, corporations and governments to provide
them with solutions that offer financial guarantees in their lives. Our name is
recognized and trusted by more than 70 million customers worldwide and over
90 of top 100 FORTUNE 500 companies in the United States. We have the
experience, global resources and vision to provide financial certainties for an
uncertain world.
MetLife Inc.
The MetLife companies offer life insurance, annuities, auto and home
insurance, retail banking and other financial services to individuals, as well as
group insurance and retirement & savings products and services to corporations
and other institutions. For more information, please visit www.metlife.com.
Named by Forbes
magazine as” The Best
US$ 3.6 Trillion of Life
Managed Insurance
Insurance.
Company in
America(2008)”
Today, a time when consumer are feeling a greater financial burden than ever
before, MetLife is helping millions of customer create their own personal safety
net .At no time in the company’s history has MetLife been as well positioned to
capitalize on its history, its reputation for security and stability, and its
innovative product and services as it is today.
MetLife (India)
M etLife India Insurance Company Limited (MetLife) is an affiliate of
MetLife, Inc. and was incorporated as a joint venture between
MetLife International Holdings, Inc., The Jammu and Kashmir
Bank, M. Pallonji and Co. Private Limited and other private investors. MetLife
is one of the fastest growing life insurance companies in the country. It serves
its customers by offering a range of innovative products to individuals and
group customers at more than 600 locations through its bank partners and
company-owned offices. MetLife has more than 50,000 Financial Advisors,
who help customers achieve peace of mind across the length and breadth of the
country.
The MetLife companies offer life insurance, annuities, auto and home
insurance, retail banking and other financial services to individuals, as well as
`group insurance and retirement & savings products and services to corporations
and other institutions.
FACT SHEET
Founded 2001
Employees 7688
Functioning
Operating with an
productively in teams
intense dedication to
towards a common
managing monetary
purpose; realizing the
resources for strong
collective power of
business results.
diverse work-groups.
Continuously creating
Conducting all business
and introducing new
endeavors with truth,
and original ideas and
sincerity and fairness.
ways of doing things.
Shilpa Vaid
Deputy Director- Human Resources
Gaurav Sharma
Director - Customer Service and Operations
Girish Malhotra
Director- Agency
KR Anil Kumar
Director - Financial Planning
& Controller
KS Raghavan
Chief Administrative Officer
Preetinder Chadha
Deputy Director - Corporate Sales & Training
P. S. Sankaran
Director – Business Support
Sameer Bansal
Director- BA & BP
Vijay Raghavan
Director - Marketing & Strategy
MetLife has always been committed to making a positive difference in the lives
of the individuals and communities. Today, that commitment drives volunteer
work and philanthropy across the globe. Working with non-profit organizations,
MetLife supports programs that provide young people with the skills they need
to succeed in life and create opportunities for people of all ages.
RETIREMENT Met Growth Super , Met Pension - Par, Met Pension Plus
SAVING Met Sukh, Met Suvidha, Met Saral, Met 100.
INVESTMENT Met Easy Plus , Met Wealth Plus, Met Gold Plus, Met
Fortune Met Smart Life.
MONTHLY INCOME Met Monthly Income Plan, Met Monthly Income Plan 7
Pay.
CHILD PLAN
We all dream about fulfilling our child’s every need. With expenses rising by
the day, however, we’re also worried about how to ensure it.
MetLife’s child insurance plans help future-proof your child’s tomorrow. They
assure you that there will be no surprise roadblocks down the road. So that you
can make your child’s dreams
a reality.
“Free the child’s potential,
and you will transform him
into the world.”
Maria Montessori (Italian
physician and educator, 1870-
1952)
Met Bhavishya
MetLife offers 'Met Bhavishya' - a guaranteed money back plan that pays out
funds to help you meet the education and career milestones of your children.
With this plan, the Life Insured is that of the parent. The plan also has inbuilt
guaranteed additions to add value to the policy over its term.
There are two options to choose from and fixed term benefits, periodic additions
& terminal additions are payable based on the option that you select. The policy
is suitable for parents with children between the ages 0-12 and parents in the
age group of 20-50 years old.
Coverage Term
Option A Option B
Plan At a Glance
MetLife offers 'Met Junior' - a flexible endowment plan that combines savings
and security. Your children's well-being is your highest priority. So we offer a
plan which offers both timely and efficient "Return on Investment". All with a
guarantee.
Product At a Glance
Coverage Term
Riders:
Not Available.
A plan which offers both timely and efficient "return on investment" with
payouts at different milestones.
Product At a Glance:
Coverage Term
Par Non Par
Minimum Entry Age of the Child 0 years 0 years
Maximum Entry Age of the Child 14 years 14 years
Coverage Terms 20 years 20 years
Premium Payment Terms 20 years 20 years
Minimum Premium Rs. 5,000 Rs. 5,000
Minimum Sum Assured Rs 50,000 Rs 50,000
Maximum Sum Assured No Limit No Limit (subject to
underwriting)
Retirement
It’s Not About The Years In Your Life, But the Life In Your Years”
Retirement means new beginnings, new joys and the possibility to realize the
unfulfilled dreams of your youth. However, it’s also a time of anxiety, a time
when financial independence is of upmost importance.
MetLife offers 'Met Growth Super' - a Unit-Linked solution to help you plan for
your golden years. It is specially designed to provide financial security for your
future requirements. This plan allows you to start planning immediately by
ensuring the safety of your first year premiums. It also helps create your
retirement fund faster by giving you 100% allocation from the second year
onwards, coupled with attractive loyalty additions into your fund. Guaranteed.
Product At A Glance:
Entry Age (in completed years) Min – 0 years (3 months to be completed)
Max – 60 years
Maturity Age Min – 0 years (3 months to be completed)
Max – 60 years
Coverage Term 20 / 25 / 30 years
Premium Payment Term Regular
Minimum Annualized Premium Rs. 18,000
Basic Sum Assured Min – 5 times / 10 times # /20 times # the
Annualized Premium
Premium Paying Modes Monthly, Quarterly, Half-yearly, Yearly, PSP
Riders
Accidental Death Benefit Rider
Critical Illness Rider
With this plan, you can ensure you enjoy retirement as a happy new chapter.
Product At a Glance:
SAVING
What is life without a dream? Be it that grand wedding for your children, a
house or a car. MetLife savings plans help you realize your dreams and protect
you and your loved ones from life’s uncertainties. Keep your savings growing
and ensure complete peace of mind.
Met Sukh
Product At a Glance
Produuct At a Glance
Minimum Entry Age Par: 15 years - 60 years
Non-Par: 15 years - 70 years
Term Par: - 15 years - 30 years
Non-Par: 5 years - 30 years
Premium Paying Terms Single Pay, Limited Pay (5 or 10) & Regular Pay
Minimum Annual Premium Amount Rs. 2,500
Minimum Sum Assured Rs. 75,000
Maximum Sum Assured No Limit
PROTECTION
Home loans, EMIs and other such liabilities are a regular feature in all of our
lives. Yet none of us want the burden of these payments to fall on our loved
ones. MetLife’s protection plans act as that all-important shelter, guaranteeing
you complete peace of mind.
Met Surakhsa
MetLife offers Met Suraksha - Term Assurance (TA), a non participating term
assurance plan which provides you life cover at a nominal cost. To put it
simply, it is a life insurance plan that gives you complete protection to enjoy life
to the fullest. You can further customize your plan with two riders – Accidental
Death Benefit and Critical Illness.
Met Suraksha TROP
MetLife offers Met Suraksha - Term with Return of Premium (TROP), a non
participating term assurance plan which provides you life cover at a nominal
cost. To put it simply, it is a life insurance plan that gives you complete
protection to enjoy life to the fullest. You can further customize your plan with
two riders – Accidental Death Benefit and Critical Illness.
What’s more, it also gives you the option of getting back all the premiums paid
at maturity.
MetLife offers ‘Met Suraksha Plus’- Term Assurance (TA) a non participating
term assurance plan which provides you life cover. It is designed for people
who want to take care of their financial commitments, should anything
unfortunate happen, at a nominal cost. To put it simply, it is a life insurance
plan that gives you the complete protection so that you can enjoy life to the
fullest.
You can further customize your plan with two riders – Accidental Death Benefit
and Critical Illness.
It ensures the asset that you have created stays with your family.
RURAL
“Life Is Unpredictable
None of us can be sure what tomorrow will bring. Shield your families against
the unknown. MetLife’s rural plans protect your loved ones against financial
liabilities and help you save for tomorrow. All at affordable premiums.
Met Vishwas
INVESTMENT
“Get The Best of Both Worlds.
Protect Your Family And Help Your Money Do a Little More, All At
Once.”
MetLife offers ‘Met Easy Plus’- a simplified unit-linked plan which offers you
an opportunity to systematically build wealth and protection for you and your
family.
With Met Easy Plus, you'll be sure to agree with us when we say, “financial
planning was never so simple”.
Met Fortune
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT
PORTFOLIO IS BORNE BY THE POLICYHOLDER.
We at MetLife understand that your hard earned money should work equally
harder for you. Hence we bring to you Met Fortune, which is short term
investment cum protection single premium plan which comes with a unique
Return Guarantee Fund -II, which guarantees the minimum NAV with an upside
potential.
HEALTH
Health problems strike unexpectedly. In addition to causing ill health, it can also
scar your financial health. You need to protect yourself against such a situation
through a health insurance plan. In order to ensure you are well protected to
face any health condition that could befall you, MetLife presents - Met Health
Care, a simple health insurance policy with unique and smart advantages for
you and your family#.
# Family means spouse and two children. Every additional family member shall
be underwritten as per the underwriting conditions laid by the Company from
time to time.
Further, all the above benefits can be availed without the hassle of undergoing
any medical examination. Just fill up the simple application form and start
enjoying the unmatched benefits of Met Health Care.
MONTHLY INCOME
A plan which provides for your retirement needs and helps you achieve
financial freedom - 'Guaranteed'.
A Monthly Income Plan that guarantees income to add to your income every
month. Because these days growing needs demand more than one income.
DATA ANALYSIS & INTERPRETATION
Yes 75 75%
No 25 25%
YES
NO
Fig NO. 1
INTERPRETATION
25% of the respondents are either not having any Insurance policy at
present or their policy is already matured.
And at present 100% of the respondents are with the view that
Insurance is a tool to protect your family.
BOTH 40 40%
FEATURE
0 5 10 15 20 25 30 35 40
INTERPRETATION
[Some of the respondents opted for two or more than two items]
AGREE Dis-agree
Tax Deductions 45 35 10 1O
Future Investment 20 20 40 20
Total 95 85 80 40
40
35
30
25
20
15 Money Back
Guarantee
10
5 Larger Risk Coverage
0 Easy Access to
Agents
ee re
e ee ee
A gr Ag a gr A gr
s- s-
n gly Di Di
ro lg y
St n
ro
St
Fig NO. 3
BENEFITS OF INSURANCE PERCEIVED BY RESPONDENTS
INTERPRETATION
Out of 100 surveyed respondent 30% are strongly agreed that life
insurance cover future uncertainty, other 30% are just agreed that life
insurance cover future uncertainty & out of rest 40% respondent 30% are
dis-agreed with the fact & other 10% are strongly dis-agreed.
In the surveyed sample size 45% are strongly agreed that life insurance
provide tax benefit.35% are only agreed with the fact.10% respondent dis
agreed with the fact & other 10% are strongly dis-agreed that life
insurance provide tax benefit.
In the surveyed sample size 20% of respondent strongly think that life
insurance act as a future investment.20% are just agree.40% of
respondent are dis-agreed with the fact & other 20% of respondent totally
dis agreed with the fact.
Low Premium 40 40 10 10
Company’s Reputation 50 30 20 0
45
30
15
Strongly Agree
0
Agree
e
m
ge
ts
n
Dis-agree
te
tio
en
iu
ra
an
ta
Ag
ve Strongly Dis-Agree
ar
re
pu
Co
to
Gu
Re
w
sk
ss
ck
Lo
’s
ce
Ri
Ba
ny
Ac
er
pa
ey
rg
sy
m
on
La
Ea
Co
M
Fig NO. 4
INTERPRETATION:
Out of 100 sample surveyed 20% of the respondent strongly agreed with
the fact that life insurance policy featured with money back guaranteed,
40% only agreed, 20% dis-agree & rest 10% totally dis-agree.
In surveyed sample size 40% are strongly agreed that life insurance
policy is act as a larger risk coverage,40% also agreed with the fact,10%
are just dis-agreed with the fact & other 10% totally dis-agreed with the
fact.
In the surveyed sample size it is found that 40% are totally agreed that
easy accessibility of agent influence the life insurance policy,30% are just
agree with the fact. & other 30% are dis-agree.
Out of surveyed sample size 40% are totally agreed that low premium
will influence the sell of insurance policy,40% are just agreed,10%
respondent are dis-agree & other 10% are totally dis-agreed.
Company reputation is also featured with life insurance policy.50% of
surveyed respondent strongly agreed .30% are just agreed & other 20%
are dis-agreed. No one are strongly dis-agree with the fact.
Fig NO. 5
REASONS BEHIND TAKING INSURANCE
INTERPRETATION
80% of the Respondents opted for Insurance for tax saving benefits and
saving/investment both.
But all of them, i.e. 100% of the respondents have opted for insurance for
[Some of the respondents opted for two or more than two items]
Satisfied 10 20 25 10
Not- 35
satisfied
Not- 0
respondent
TABLE NO. 4.6
Satisfied
10; 15% 10; 15% Excellent
Good
Fair
20; 31% poor
25; 38%
Fig NO. 6
INTERPRETATION
30; 32%
Fig NO.7
Out 100 sampled survey 10% of respondent are excellently satisfied with
their agent’s service,37% says agent’s service is good enough,32% think
that agent service is ok, & other 21% think that agent service is poor.
5% of the respondent are not at all satisfied with their existing policy
agent.
agree
Rigid plans 50 30 20 10
Unsatisfactory 25 30 10 05
services
Non Aggressive 20 35 15 10
Satisfactory 15 20 25 20
V.Good 0 0 0 0
Fig NO, 8
50
40
30
20
10 Strongly Agree
0 Agree
s ly s ry
an nd ice ive to od Dis-agree
pl e v ss c Go
fr i er gr
e fa . Strongly dis-agree
gid er ys Ag tis
V
Ri r Sa
us cto n
n sf a No
No ati
s
Un
INTERPRETATION
Fig NO. 9
[Some of the respondents opted for two or more than two items]
Planning 95 95%
INTERPRETATION
Only 5% of the customers contacted are not planning for new investments
presently.
Whereas, 95% of the customers are still planning for new investments this
can be a great potential for MetLife India Insurance Co. Ltd to take them on
their favour.
INSURANCE
e
s
rs
rs
ar
m
ea
ea
ye
yti
0y
0y
0
An
s-3
s-4
s-5
ar
ar
ar
ye
ye
ye
Fig NO.11
31
24
41
Out of 100 surveyed sample 50% of the respondent think that policy
should be issued at the early age that is within 30 years of age,25% of the
respondent think that policy can be issue at 31 years-40 years of age &
only 20 % think that policy should issue within 40-50 years of age & only
5% people think that policy can be issued at any time of the life time.
PREFERENCE OF RESPONDENTS OF PRIVET INSURANCE
COMPANIES TABLE NO.4.12
NO.OF
COMPANY’S NAME SHARE (%)
RESPONDENT
Birla Sun Life 10 10
Reliance Life Insurance 13 13
MetLife India Ins. Co. Ltd 15 15
Bajaj Allianz 15 15
ICICI Prudential 18 18
SBI Life 20 20
Max New York Life 9 9
TOTAL 100 100
NO.OF RESPONDENT
9% 10% Birla SunLife
Reliance Life Insurance
13% Metlife India Ins. Co.Ltd
20% Bajaj Allianze
ICICI Prudential
SBI Life
15%
Max New York Life
18%
15%
Fig NO.12
INTERPRETATION:
From the above survey it is shown that MetLife India has only 15% of the
share from respondent reply. Highest share captured by SBI Life that is
20%.But it can be say that if MetLife provide good service and quality
product MetLife has a potentiality to be most successful privet insurance
company in India.
FINDINGS & RECOMMENDATIONS
F rom the eight weeks of training and almost one month of market survey I
found the followings:
1. As the people think that insurance is a tool to protect their family & a tax
saving device. They are aware of the fact & realizing its, importance.
There is a large potential for insurance in India.
2. The entrance of private players will increase the competition and it would
be a tough task to secure a good position in market.
3. Since Met Life India Insurance is leading with several companies’
policies it should be easy for them to penetrate into the market and secure
a good position if they pay greater attention to the service part provided
to their customer and thereby forming a long and trusted relationship.
4. As seen from the above survey that the 80% of the respondent having life
insurance policy & out of my sample size 95% of the respondent are
planning for new investment. So, there is a huge gap between share of
investment planner and share of life insurance holder. So it can be a good
potential for the company and they should make an attempt to trap these
customers.
5. From my sampled survey it can be say that the most target & potential
customer of this industry is between 24-30 years of aged customer .So,
MetLife should target this potential customer more frequently.
GROWTH POTENTIAL
At present life insurance penetration in India is quite low – 3.5% of GDP.
PHASE OF TRANSITION
CONCLUSION
T
he exhaustive research in the field of Life Insurance threw up some
immense awareness and knowledge among people about various companies and
their insurance products. People are beginning to look beyond LIC for their
insurance needs and are willing to trust private players with their hard earned
money.
People in general have been impressed by the marketing and advertising
Television Ad campaigns over the years is beginning to have it’s impact now.
number of respondents have opted for insurance for such purposes and it shows
how insurance companies have been successful to attract public money in recent
times.
The general satisfaction levels among public with regards to policy and agents
still requires improvement. But therein lies the opportunity for a relative player
like MetLife India Insurance Co. Ltd. LIC has never been known for prompt
service or customer oriented methods and MetLife India Insurance Co. can
BIBLIOGRAPHY
WEBSITES REFERRED
www.metlife.co.in
www.irdaindia.org
www.thehindubusinessline.com
ANNEXTURE
QUESTIONNAIRE
NAME:_________________________
ADDRESS:______________________
______________________________OCCUPATION:___________________
1. ARE YOU EMPLOYED?
YES NO
a) Birla Sunlife
b) ICICIPRUDENTIAL
c) SBI LIFE INSURANCE
d) MET LIFE INDIA INSURANCE
e) MAX NEW YORK LIFE INSURANCE
f) BAJAJ ALLIANZE
g) RELIANCE LIFE INSURANCE
h) ANY OTHER ________( Specify)
b) TAX DEDUCTIONS
c) FUTURE INVESTMENT
a) A SAVING TOOL
b) NOT SATISFIED
c) NOT RESPONDING
b) NOT SATISFIED
c) NOT RESPONDING
YES NO
a) FIXED ASSETS
b) BANK DEPOSITS
c) JEWELLERY
e) SHARES
f) INSURANCE
g) VERY GOOD
a) A TRUSTED NAME
b) FRIENDLY SERVICE & RESPONSIVENESS
c) GOOD PLANS
d) ACCESSIBILITY
14. WOULD YOU GO FOR INSURANCE IF A SERVICE PROVIDER AWAY FROM THE CITY OFFERS
BETTER SERVICE & PRODUCTS?
a) YES b) NO c) UNCERTAIN
THANK YOU.