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Life insurance is the insurance which is taken on the risks of the person. Though life insurance is in practice for many years in different forms in our country the concept of health insurance in its present form is of very recent origin. The fact that the sector is under penetrated can be known by the fact that less than 20% of the total population is insured for life risks. So there is a huge potentiality which is waiting to being tapped by the insurance companies.

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