In conclusion, insurance backed development is an effective way forward since:

• Rural demand for products and services is no different from urban requirements provided

• A fairly priced and relevant product is made available

• Cost effective distribution systems are established

• Effective administration is ensured

• Easy accessibility and quality service is ensured

• Focused approach along with appropriate regulation will help build a model which is viable, sustainable and scalable

• Availability of financial services and insurance would change the rural landscape in future


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