Dear Respondent, I am a Research Scholar at Singhania University, and this questionnaire is a part of my doctoral study.

The information provided by you through this questionnaire will be kept confidential and will only be used for academic purpose. Your cooperation is essential for the successful completion of my doctoral thesis, so I request you to please denote your 2-4 minutes in filling up this questionnaire. Ghausia Mushtaq Section A Personal Information Name Age Group: 18 25 ( ) Occupation: Employed ( ) Self Employed ( ) Business Person ( ) Farmer ( ) ) Agriculture Labour ( ) Casual Labour ( ) Others, please specify ( Education Level: Illiterate ( ) Primary ( ) Upto Secondary ( ) HSC ( ) Graduate ( ) Post Graduate ( ) Gender: Male ( ) Q2. Family type: (a) Nuclear ( ) (b) Joint ( ) Q3.Which type of Ration card you have? BPL ( ) APL ( ) Antyodaya ( ) Annapurna ( ) No Card ( ) Q4.Electricity Status: 24 hours ( ) Above 18 hours ( ) Above 8 hours ( ) Below 8 hours ( ) Q5. Income Level (per month): 0 15000 ( ) 15001 30000 ( ) 30001 45000 ( ) above 45000 ( ) Q6. Saving Levels (per month): 0 10000 ( ) 10001-20000( ) 20001-30000 ( ) above 30000 ( ) Q7. Amount of premium paid as a percentage of saving: 0-25 ( ) 25-50 ( ) 50-75 ( ) 75-100 ( ) Professional ( ) Female ( ) Transgender ( ) 26 35 ( ) 36 45 ( ) 46 55 ( ) 56 and above ( ) _________________________________

Q1. Do you have ownership of any land or property? Yes / No

Section B Awareness Q1. Do you know about insurance ? Yes / No Q2. If, yes then in which category you fall a. Insured (having a life insurance by any member of the family) b. Uninsured (having no life insurance by any member of the family) Q3. Does your employer cover you with any kind of insurance? Yes / No Q4. What kind of investment do you usually made: Fixed Deposit ( ) Mutual Fund ( ) Real State ( ) Insurance ( ) Share ( ) Gold ( ) Government Bonds ( ) Post Office ( ) Bank Deposits ( ) Pension ( ) Others, please specify . Q5. What are the major sources of information about insurance? Radio or transistor ( ) Television ( ) Magzines ( ) News Papers ( ) Banners/ Holdings ( ) Internet ( ) Local Peoples ( ) Friends and Relatives ( ) Neighbours ( ) None ( ) All ( ) Others, please specify Q6. Which type of company you prefer for investment? Public ( ) Private ( ) Q7. What type of insurance plan you have No insurance ( ) Life Insurance ( ) General insurance ( ) Health Insurance ( ) Motor Insurance ( ) Property / House Insurance ( ) Medical Insurance ( ) Accident Insurance ( ) Crop Insurance ( ) Livestock Insurance ( ) Tractor Insurance ( ) Any other, specify . Q8. What is the amount (in percentage) proportion of investment in various insurance plans, among your savings? Insurance Plans Life Insurance General Insurance Motor Insurance Health Insurance Property / House Insurance Medical Insurance Accident Insurance Crop Insurance / Livestock Insurance Tractor Insurance Public Private ( ) ( )

Q9. Do you know how much amount of the face value to be received if policy is surrendered before maturity? a. Full sum assured b. Amount paid by the policy holder c. Surrendered value as decided by the company d. Other e. Dont Know ( ) ( ) ( ) ( ) ( )

Q10. Do you know how much time is to be taken for the settlement of claims? Upto one month ( ) 3 months ( ) 6 Months ( ) 1 year ( ) more than 1 year ( ) No Specific time ( ) Dont know ( ) Q11. Do you know about the penalty if premium is paid after due date Yes ( ) No Penalty for a few days ( ) No penalty at all ( ) Cant Say ( ) Q12. What do you think are the main reasons for loss of insurance coverage and policy lapse? Non payment of Premium ( ) Change of address ( ) Providing false information ( ) Dont know ( ) Q13. Do you know about the possibility of revival of lapsed policy? a. Getting new policy bond b. Paying unpaid premium with penalty c. Paying unpaid premium and unpaid penalty d. Dont know e. Others, specify .. Q14. What do you think are the main causes for dispute or differences with insurance companies? Change of Address Premium Related None ( ) ( ) ( ) Receipt of policy Claim Settlement ( ) ( ) ( ) ( ) ( ) ( )

Others, specify .

Q15. What do you do in case of disagreement? Approach to the agent who made your policy Approach to the Company of which you have taken the insurance ( ) ( )

Approach to Lokayukta Dont Know Others, Specify .

( ) ( )

Q16. What factors have prompted you to buy the insurance policy of the company you had presently? (Rate the following factors according to your preference on a scale of 1 -5 ) Factors Brand Image Excellent Past Record My friends have bought from the same insurers Marketing people have insisted me to buy Convinced by the ads and promos of the company Desire to try out a new company Return and risk factors Type of ownership of the company (Public/ Private) Trust and sincerity shown by the personnel at the time of taking policy Grievance handling mechanism or CRM Easy settlement of claims Less Documentation and formalities at the time of taking insurance as well as maturity of insurance policy Others, please specify Awareness about (Insurance Regulatory and Development Authority) IRDA Q1. How many Rating