India: Shielding the Flame

Selling life insurance in India is something like selling sand in the Sahara. Though most Indians may not believe that life insurance causes death, many of them do feel that it defies and tempts the gods. For many Indians, furthermore, land seems the only smart investment, and attempts to sell them insurance are repulsed as schemes to snatch their money. There is, of course, little enough of that; the per capita income in India is only $69 a year, and people are so busy trying to keep alive that they have little time to worry about death.

Despite these massive...

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