Insurance Penetration:3.7 percent as a percentage of GDP only compared to 7% worldwide average, but growing at 11% percent.

Instead of the focus being on removing agents and selling directly, Insurance companies are now focused on empowering agents.

Customer Expectations are very different online and offline - for the same customer.

70% of Indians working in rural areas generate 40% of India's income, but have much lower access to products and services.

Companies are also looking at creating or leveraging existing eco-systems e.g. E-Commerce, to widen the footprint.

Insurance companies are looking at creating efficiency across the Value Chain.

Focus on Digital cannot be limited to just customer acquisition. Customer engagement is key.