Insurance Market Analysis

Current usage: squaring the numbers ☐ 2003 picture: Roughly 1/3 of households Higher metro (41%) than rural (8%), reduce by about a third for C, D & E North & Northeast (30% of all hhs) most underserved ☐ What has changed since then? ☐ JLV (2009): 50m served □ ANS (2009): 51m health ◉Conventional wisdom: 20-25m funeral 10m+ mass/popular 21m+ microcredit - % credit life? . Total scenario: • 40-50m (excluding health) Datafolha survey (2009): 428 low-income hhs ■ 44% insurance (22% life, 27% health) 30% -37% of adults Of which 23-33m MI cenfri

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