Abstract
Life Insurance Corporation of India introduced various kinds products name as term insurance plan, money back plan, child plan, unit linked plan and micro insurance plan. These schemes are protected of insertion loss and overcome life very quickly. Particularly south zone not more focus micro insurance schemes so unawareness of micro insurance schemes rural people. Therefore Life Insurance Corporation takes an incentive of micro insurance schemes to promote in future. With this aspect, the present paper makes an attempt to discuss performance analysis of south zone AAM AADMI bima yojana micro insurance.
Key words: AABY, Micro Insurance, Policy holders, Premium, sum assured, Claim
Introduction
Life insurance Corporation of Indian has launched Aam Aadmi Bima Yojana group micro insurance in year 2007. Which scheme covered with life insurance, this scheme are protected rural poor people along with rural landless agricultural labours, so that families have financial resources supported to against uncertainty of natural disaster, accidental for partially or fully disability and death occurred in human life. Therefore, ABBY micro insurance policy overcome the loose and work life balance helps to designed AABY micro insurance product by Life Insurance Corporation of India.
Review of literature
| Sl.
No |
Years |
Author’s |
Result found |
| 1 |
2008 |
Andrew coburn and
Peter winchester |
Have revealed that micro insurance need careful consideration is how the administration infrastructure of the micro insurance operation would operate and provide the assistance it has been setup for in post catastrophe environment.
|
| 2 |
2012 |
Stefan hocharainer stigler, Rakhi sharma et.al |
has concluded that micro insurance inadequate coping capacities with a number of individuals browning additional funds from money lenders, friends and family. Clients usually have high existing level of indebtedness. |
| 3 |
2015 |
Farach Farooqui |
has highlighted that micro finance has emerged as an important financial service in the Indian rural economy. It is a provision of providing financial service to low income people, very poor and self employed poor. Micro insurance is a powerful tool in helping low income people by providing insurance coverage but it has not achieved substantial scale as compare to micro finance. |
| 4 |
2014 |
Sanjeev kumar srivastaw |
has highlighted that micro insurance is the tool that protests rural as well as poor urban people by offering low cost insurance to mitigate their risk. Still LIC is a major player so far as the employment generation is concerned in the form of insurance agents as well as offering of social security and life risk |
| 5 |
2013 |
Theresa Thompson chaudhry
and Fazilda Najeel |
Has concluded that Micro insurance in Pakistan is still in its nascent stages. More than half of the current micro insurance policies in effect in Pakistan country policies holders’ awareness of the benefits and coverage. |
| 6 |
2014 |
Sunday Stephen Ajemunigbohum, Ademola, et.al |
has concluded that micro insurance provider need to make some that they design tailor made products that are relevant to the need of the market distributed through a channel that is convenient for the target person, while also fostering the trust of the low income market in insurance and the insurance industry as a whole |
| 7 |
2015 |
Vijayalakshmi
and
Geetha |
has explain that micro insurance in India has broadly developed as a sub sector of the insurance industry. India is among the few countries to draft and implement specific micro insurance regulations. Micro insurance sector will soon case to be influenced by low income segment of the society. |
|
8 |
2015 |
Manivannan
and
Karunanithi |
has highlighted that it provides an opportunity to the insurance companies to meet their social responsibility as well as secure a strong footing in the rural market. The active distribution products for micro insurance in India are NGO’s, MFIs and SHG’s and micro insurance agents. |
| 9 |
2012 |
Rajendran |
have point out that Micro insurance is a part of financial inclusion and the difference micro insurance and macro insurance is only the premium amount and coverage amount. The level of participation in micro insurance is very low and the main reason is lack of awareness. |
| 10 |
2016 |
Dilip Bania |
has concluded that insurance being a commercial activity it gives importance only per sons and bodies with financially sound. The people on upper class, the middle and lower Income group is neglected, poor people are more vulnerable to risk. |
| 11 |
2016 |
Priti Bakshi |
have revealed that micro insurance policy is for low income clients living in rural area with no knowledge of insurance people to face more risk and are more prone to illness due to working in hazardous conditions or no experience in dealing with financial institution. |
| 12 |
2015 |
Kirti singh
and
Vijaykumar gangal |
has concluded that the importance of insurance in supporting the sustainable development of the poor and reducing the inequality in developing countries like India. Micro insurance a magic cure for all that ails the economy. |
| 13 |
2016 |
Paramasivan
and
Rajaram |
With this view, government introduced a scheme is called as Micro insurance. Now micro insurance is implementing in the name of Jeevan Madhur and Jeevan Mangal. There is a need of creating awareness and take it into a proper channel, Micro insurance will reach the unreached.
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AABY Claim Procedure for death
The death or disability claims under the scheme will be settled by the unit of life insurance corporation by making direct payment to the beneficiaries through NEFT facility available then in such cases directly to the bank account of beneficiaries with prior approval from competent authority the account payee claim can be paid by any other mode as decided by life insurance corporation. In the event of death of the member during the period of coverage and while the policy is in force, his or her nominee will have to make an application along with death certificate for payment of claim amount to the designated official of the nodal agency. The designated official of the nodal agency shall verify the claim papers and submit the same along with the death certificate and certificate that the deceased member was head earning member of the family belonging to the below poverty line marginally under the eligible occupations under the schemes.
AABY Claim procedure for disability
The claim has to submit documentary evidence of the accident, as also the medical certificate from a government civil surgeon or qualified government orthopaedician certifying permanent total, partial disability due to accident, stating loss of limbs of the member covered Aam Adami Bima Yojana. Every member shall appoint a nominee to receive the claim amount after his death. Nomination form is a part of the member application form and it should include particulars of the nominee to receive the claim amount. It should be ensured that this procedure is followed without fails so that there is no difficulty at the time of settlement of death claims. The nomination form will be kept in the custody of the panchayat nodal agency and shall be forwarded to life insurance Corporation along with the claim papers on the death of the members.
Table No:1 AABY-Policyholders Eligibility
| Sl.
No |
AABY-Policyholders Eligibility |
Policy holders
Benefits |
| 1 |
Age groups |
18-59 years |
| 2 |
Premium |
Rs.320 Per Member |
| 3 |
Nautral Death |
Rs. 30,000 |
| 4 |
Accidental Death |
Rs. 75,000 |
| 5 |
Permanent Disability |
Rs. 75,000 |
| 6 |
Partial Disability |
Rs. 37,500 |
| 7 |
Maximum and Minimum group of members |
10-20 |
Source: LIC of India
Sate and year wise cover Aam Admi Bima Yojana
(No. of policy holders)
| Sl. No |
State |
2010-11 |
2011-12 |
2012-13 |
2013-14 |
2014-15 |
| 1 |
Andhra Pradesh |
7292606 |
7501598 |
11277341 |
7449614 |
6418182 |
| 2 |
Arunachal Pradesh |
0 |
0 |
12056 |
0 |
0 |
| 3 |
Assam |
8677 |
54545 |
291442 |
27946 |
22792 |
| 4 |
Bihar |
1921604 |
1921604 |
354443 |
57321 |
2301 |
| 5 |
Chandigarh |
1297 |
1297 |
994 |
0 |
4118 |
| 6 |
Chhattisgarh |
333870 |
372206 |
2266785 |
860270 |
32491 |
| 7 |
Delhi |
0 |
0 |
51121 |
9567 |
7281 |
| 8 |
Goa |
0 |
0 |
46668 |
42032 |
41504 |
| 9 |
Gujarat |
860053 |
860053 |
1582701 |
879676 |
593547 |
| 10 |
Haryana |
0 |
0 |
78249 |
23064 |
0 |
| 11 |
Himachal Pradesh |
5000 |
5000 |
68520 |
0 |
16987 |
| 12 |
Jammu&Kashmir |
91740 |
91740 |
117248 |
41492 |
3008 |
| 13 |
Jharkhand |
37546 |
56820 |
195663 |
67979 |
90169 |
| 14 |
Karnataka |
745843 |
745843 |
1834849 |
2496368 |
1636925 |
| 15 |
Kerala |
393160 |
468160 |
1149947 |
670714 |
44689 |
| 16 |
Madhya Pradesh |
1381965 |
1471661 |
5761218 |
5165723 |
6653079 |
| 17 |
Maharashtra |
1608818 |
3099067 |
5629587 |
5491919 |
7508176 |
| 18 |
Manipur |
0 |
0 |
28804 |
159 |
0 |
| 19 |
Meghalaya |
0 |
0 |
9118 |
0 |
0 |
| 20 |
Mizoram |
0 |
0 |
4132 |
0 |
0 |
| 21 |
Nagaland |
0 |
0 |
18237 |
0 |
350 |
| 22 |
Orissa |
0 |
202267 |
1309319 |
554793 |
893278 |
| 23 |
Puducherry |
148452 |
148452 |
78784 |
60266 |
53993 |
| 24 |
Punjab |
19013 |
19949 |
84365 |
373 |
3359 |
| 25 |
Rajasthan |
0 |
0 |
3022175 |
2165419 |
1061794 |
| 26 |
Sikkim |
0 |
0 |
2582 |
0 |
0 |
| 27 |
Tamil Nadu |
0 |
0 |
1481523 |
876167 |
230004 |
| 28 |
Telangana |
0 |
0 |
0 |
0 |
46341 |
| 29 |
Tripura |
0 |
0 |
46557 |
1437 |
18747 |
| 30 |
Uttar Pradesh |
2234849 |
2520514 |
4246889 |
1106622 |
37481 |
| 31 |
Uttrakhand |
0 |
0 |
681953 |
61799 |
668568 |
| 32 |
West Bengal |
662987 |
717614 |
1200947 |
62541 |
91053 |
| 33 |
A&N Island |
0 |
0 |
1379 |
296 |
0 |
| 34 |
Dadra&N Haveli |
0 |
0 |
466 |
0 |
0 |
| 35 |
Daman&Diu |
0 |
0 |
214 |
0 |
0 |
| 36 |
Lakshdweep |
0 |
0 |
203 |
0 |
0 |
|
Total |
17747480 |
20258390 |
42936479 |
28173557 |
26180217 |
Source: LIC Annual Reports
Table No:2 indicate that AABY there are 26180217 policy holders in 2014-15 as against 17747480 policy holders in 2010-11. Andhra Pradesh state placed highest number 7292606 of policy holders and Chandigarh 1297 least number of policyholders in the year 2010-11. As regards Andhra Pradesh state placed highest number of 7501598 policy holders and Chandigarh 1297 least number of policy holders in the year 2011-12. According to Andhra Pradesh state placed highest number of 11277341 policy holders and Lakshadweep least number 203 of policy holders in the year 2012-13.As evident that Andhra Pradesh state placed highest number of 7449614 policy holders and Manipur state placed least number 203 of policy holders in the year 2013-14. On the whole Maharashtra state highest number 7508176 of policy holders and Nagaland state least number 350 policy holders in the year 2014-15.
Policy holder’s category
Aam Aadmi Bima Yojana covered 48 occupations in the following activities, beedi workers, brick kiln workers, carpenters, cobblers, fishermen, hamals, handicraft artisans, handloom weavers, handloom and khadi weavers, lady tailors, leather and tannery workers, Food stuffs like khan sari sugar, Textile, manufacture of wood products, manufacture of leather products, printing, rubber and coal products, chemical products like candle manufacture, mineral products like earthen toys manufacture, agriculture, transport drivers association, papad workers attached to SEWA, physically handicapped self employed persons, primary milk producers, rickshaw pullers, auto drivers, safari karama chairs, salt growers tendu leal collectors schemes for the urban, poor forest workers, sericulture, toddy tappers, power loom workers, hilly area women, transport karmacharis, rural poor, construction workers, fire crackers workers, coconut processors, Aanganwadi teachers, kotwal, plantation workers, women associated with self help groups, sheep breeders, overseas Indian workers, rural landless households.
Table No:2 Aam Aadmi Bima Yojana Group Categories Micro Insurance Policy holders
(No.of Policy holders)
| Name of division |
2009-10 |
2010-11 |
2011-12 |
2012-13 |
2013-14 |
| Chennai |
327723 |
232556 |
166038 |
261036 |
419308 |
| Coimbatore |
65235 |
59080 |
60010 |
44650 |
74804 |
| Ernakulam |
90981 |
140127 |
1955858 |
149653 |
67768 |
| Kottayam |
37061 |
56227 |
52660 |
50197 |
46216 |
| Kozhikode |
39030 |
44037 |
50308 |
60209 |
65007 |
| Madurai |
85568 |
98911 |
121716 |
168284 |
173962 |
| Salem |
48505 |
72651 |
88178 |
85110 |
101859 |
| Thanjavur |
60228 |
74578 |
53249 |
80225 |
86040 |
| Tirunelveli |
35254 |
42005 |
47047 |
64593 |
101234 |
| Trivandrum |
146506 |
45476 |
67286 |
70535 |
777372 |
| Vellore |
348869 |
82385 |
95412 |
102011 |
110249 |
| Total |
1284960 |
948033 |
2757762 |
1136503 |
2023819 |
Source:LIC of India
There are 11 divisions in south zone of LIC. In the year 2009-10, there are 1284960 policies under AABY micro group insurance of LIC, of which a maximum of 348869 policies by vellore division and minimum of 35254 policies by Tirunelveli division. According to 2010-11, There are 948033 policies under AABY micro group insurance of LIC of which a maximum of 232556 policies by Chennai division and minimum of 56227 policies by kottayam division. As regards 2011-12, there are 2757762 policies under AABY micro group insurance of LIC, of which a maximum of 1955858 policies Ernakulam division and minimum of 47047 policies by Tirunelveli division. As evident that 2012-13, There are 1136503 policies under AABY micro group insurance of LIC, of which a maximum of 261036 policies Chennai division and a minimum of 44650 policies by Coimbatore division. On the whole 2013-14, there are 2023819 policies under AABY micro group micro insurance of LIC, of which a maximum of 777372 policies Trivandrum division and minimum of 46416 policies by kottayam division.
Premium of Aam Aadmi Bima Yojana group categories
The premium to be charged initially under the scheme will be Rs.200 per annum per member for a cover of Rs.30,000 out of which 50 percent will be subsidized from the Social Security Fund. In case of Rural Landless Household (RLH) remaining 50 percent premium shall be borne by the State Government, Union Territory and in case of other occupational group the remaining 50 percent premium shall be borne by the Nodal Agency and/or Member and/or State Government, Union Territory.
Table No:3 Aam Aadmi Bima Yojana Group Categories Micro Insurance Premium of Policy holders
| Name of division |
2009-10 |
2010-11 |
2011-12 |
2012-13 |
2013-14 |
| Chennai |
13210500 |
14111000 |
12294000 |
7694100 |
7559900 |
| Coimbatore |
2913980 |
1237700 |
968900 |
1004600 |
5038730 |
| Ernakulam |
8913800 |
13058600 |
17997100 |
13083200 |
6767620 |
| Kottayam |
2800400 |
5397800 |
4688800 |
4778600 |
3436600 |
| Kozhikode |
428600 |
165400 |
256800 |
639500 |
1622700 |
| Madurai |
2534600 |
3359800 |
2731900 |
7784900 |
4652020 |
| Salem |
1553700 |
1856500 |
2500200 |
6694600 |
4225600 |
| Thanjavur |
4733000 |
5721200 |
3889500 |
4356400 |
3282100 |
| Tirunelveli |
2109500 |
2113000 |
2200100 |
3760700 |
8344200 |
| Trivandrum |
14293020 |
12053600 |
2578420 |
6101900 |
75738320 |
| Vellore |
32628000 |
6415400 |
8532460 |
8664500 |
8270400 |
| Total |
86119100 |
65490000 |
58638180 |
64563000 |
128938190 |
Source: LIC of India
There are 11 divisions in south zone of LIC. In the year 2009-10, there are 86119100 premium amount mobilized under AABY micro group insurance of LIC, of which a maximum of 32628000 premium mobilized by Vellore division and minimum of 428600 premium mobilized by Kozhikode division. As regards 2010-11, there are 65470000 premium amount mobilized under AABY micro group insurance of LIC, of which a maximum of 14111000 premium amount mobilized by Chennai division and minimum of 165400 premium mobilized by Kozhikode division. According to year 2010-11, there are 58638180 premium amount mobilized under AABY micro group insurance of LIC, of which a maximum of 17997100 premium amount mobilized by Ernakulum division and minimum of 256800 premium amount mobilized by Kozhikode division. As evident that 2012-13, there are 64563000 premium amount mobilized under AABY group micro insurance of LIC, of which maximum of 13083200 premium amount mobilized by Ernakulum division and minimum of 639500 amount mobilized by Kozhikode division. On the whole 2013-14, There are 128938190 premium amount mobilized under AABY micro group insurance of LIC, of which a maximum of 75738320 premium amount mobilized by Trivandrum division and minimum of 3282100 premium amount mobilized by Thanjavur division.
Table No:4 Aam Aadmi Bima Yojana Group Categories Micro Insurance Sum Assured of Policy holders
(Rs. in 000’s)
| Name of division |
2009-10 |
2010-11 |
2011-12 |
2012-13 |
2013-14 |
| Chennai |
9831690 |
14041530 |
3651480 |
4981140 |
2244120 |
| Coimbatore |
1957050 |
1772400 |
1800300 |
1339500 |
2033040 |
| Ernakulam |
2729430 |
4203810 |
5875740 |
4489590 |
1386480 |
| Kottayam |
1111830 |
1686810 |
1579800 |
1505910 |
1950210 |
| Kozhikode |
1170900 |
1321110 |
1509240 |
1806217 |
7831080 |
| Madurai |
2567040 |
2967330 |
6976680 |
5048520 |
5218860 |
| Salem |
1455150 |
2179530 |
2645340 |
2553300 |
3055770 |
| Thanjavur |
1806840 |
2237340 |
1597470 |
2406750 |
2581200 |
| Tirunelveli |
1057620 |
1260150 |
1411410 |
1937790 |
3037020 |
| Trivandrum |
4395180 |
1364280 |
2018580 |
2116050 |
23321160 |
| Vellore |
10466070 |
2471550 |
2862360 |
3060330 |
3307470 |
| Total |
38548800 |
35505840 |
31928400 |
31245097 |
55966410 |
Source: LIC of India
There are 11 divisions in south zone of LIC. In the year 2009-10, there are Rs.38548800 thousands sum assured under AABY micro group insurance of LIC, of which a maximum of Rs.10466070 thousands sum assured by Vellore division minimum of Rs. 1111830 thousands sum assured by kottayam division. As regards 2010-11, there are Rs.35505840 thousands sum assured under AABY micro group insurance of LIC, of which a maximum of Rs.14041530 thousands sum assured by Chennai division and minimum of Rs.1321110 thousands sum assured by Kozhikode division. According to 2011-12, there are Rs.31928400 thousands sum assured under AABY micro insurance of LIC, of which a maximum of Rs.6976680 thousands sum assured by Madurai division and minimum of Rs.1411410 thousands sum assured by Tirunelveli division. As evident that 2012-13, there are Rs.31245097 thousands sum assured under AABY micro group insurance of LIC, of which a maximum of Rs.5048520 thousands sum assured by Madurai division and minimum of Rs.1339500 thousands sum assured by Coimbatore division. On the whole 2013-14, There are Rs.23321160 thousands sum assured under AABY micro group insurance of LIC, of which a maximum of Rs.23321160 thousands sum assured by Trivandrum division and minimum of Rs.1386480 thousands sum assured by Ernakulum divisions.
Table No:5 Aam Aadmi Bima Yojana Group Categories Micro Insurance Settlement of Policy holders
(Rs. in Crore)
| Name of Division |
2009-10 |
2010-11 |
2011-12 |
2012-13 |
2013-14 |
| Chennai |
63585 |
22500 |
24555 |
52410 |
76190 |
| Coimbatore |
10345 |
2530 |
4975 |
11370 |
15590 |
| Ernakulam |
8505 |
9615 |
11310 |
13470 |
8940 |
| Kottayam |
1920 |
4065 |
8340 |
6120 |
4380 |
| Kozhikode |
2685 |
3315 |
2865 |
3060 |
3660 |
| Madurai |
21055 |
15175 |
14810 |
21060 |
25260 |
| Salem |
9825 |
11235 |
14850 |
14010 |
20520 |
| Thanjavur |
4680 |
5190 |
5985 |
6030 |
7020 |
| Tirunelveli |
4395 |
5730 |
5880 |
7290 |
10080 |
| Trivandrum |
7990 |
3825 |
3975 |
4650 |
10290 |
| Vellore |
17955 |
20730 |
19485 |
23310 |
10950 |
| Total |
152940 |
103910 |
117030 |
162780 |
192880
|
Source: LIC of India
According to 2009-10 Rs.152940 crore settlements under AABY group micro insurance scheme of LIC, of which maximum Rs.63585 crore settlement by Chennai division and minimum of Rs. 2685 crore settlement by Kozhikode division. As regards 2010-11 Rs.103910 crore settlement under AABY group micro insurance scheme of LIC, of which maximum Rs. 22500 crore settlement by Chennai division and minimum of Rs.2530 crore settlement by Coimbatore division. As evident that 2011-12 Rs.117030 crore settlement under AABY group micro insurance scheme of LIC, of which Rs. maximum 24555 crore settlement by Chennai division and minimum of Rs.2865 crore settlement by Kozhikode division. As table shows that 2012-13 Rs.52410 crore settlement under AABY micro group insurance scheme of LIC, of which maximum Rs. 52410 crore settlement by Chennai division and minimum of Rs.3060 crore settlement by Kozhikode division. On the whole 2013-14, Rs.192880 crore settlement under AABY micro group insurance scheme of LIC, of which maximum Rs.76190 crore settlement by Chennai division and minimum of Rs.3660 crore settlement by Kozhikode division.
Conclusion
Good governance is responsible to prefect the life of people and also meets the risk caused by natural as any other events. Aam Adami Bima Yojana micro insurance is one of innovative and multifaclity group insurance scheme which introduced by life insurance corporation in 2005. With the premium of Rs.320 per annum with benefits of natural death, accidental death, permanent and particle disability of the group members. But still these products are not popular owing that various reasons such as low agent commission, poor response with policy holder etc. Therefore there is a need of creating awareness about the Aam Adami bima yojana to the unreached people in the country.
Reference
Andrew coburn and Peter Winchester (2008) Overcoming barriers to micro insurance for catastrophe risk mitigation: lesson from micro finance operations, pp.
Stefanhochrainer stigler, Rakhi B. Sharma and Reinhard mechler (2012) disaster micro insurance for pro-poor risk management evidence from sourth Asia, Journal of integrated disaster risk management, pp.70-88.
Therasa Thompson chaudhry and Fazilda Nabeel(2013) Micro insurance in Pakistan progress, problems, and prospects., The Lahore journal of Economic, Vol.18.,pp.335-374.
Sunday Stephen Ajemunigbohum,Ademola, Sulaiman oreshile, Ayodele Samuel Iyun (2014) An exploratory study of the awareness and accessibility of micro insurance products in selected insurance companies in Lagos, Nigeria, European, Journal of business and management, Vol.6., pp.1-9
Farach Farooqui (2015) Micro insurance awareness in India: A study of Allahabad district, Scholar world international refereed multidisciplinary journal of contemporary research, Vol.3. Issue 2., pp.80-85.
Vijayalakshmi and Geetha (2015) Perception towards LIC’s micro insurance policies among policy holders.IPASJ International Journal of Management. Vol.3., Issue 8.,pp.11-15.
Manivannam and Karunanithi (2015) A study on Micro life insurance products of LIC of India in Vellore division, Tamil Nadu. International Journal of Emerging research in Management and Technology. Vol.4., Issue 8., pp.87-90.
Rajendran (2012) Level of participation of rural women in micro insurance evidences from the field. International Journal of management research and review. Vol.2., Issue 7., pp.1237-1247.
Kirtisingh and Vijaykumar gangal (2015) Micro insurance in India Agizmo to vehicle economic development and alleviate poverty and vulnerability. IOSR journal of economic and finance. Vol.6., Issue 2., pp.14-20
Dilip Bania (2016) Awareness of micro insurance in Joypur Development block area under dibrugarh district of Assam. Vol.5., Issue 6., pp.353-355
Pritibakshi (2016) Review of progress and potential of micro insurance in India. International Journal of Advanced research. Vol.4., Issue 4., pp.1669-1675.
Salma Banu and Fathima Zehra (2014) A case study of micro insurance in Indian Economy. International forum of research students and academician.Vol.4.,Issue.4., pp.2249-8168.
Paramasivan and Rajaram (2016) Micro insurance –A conceptual analysis international journal recent scientific research, Vol.7., issue 7., pp.20
www.lic of india.com
www.irda.com
www.microinsurance.org
Autobiography of the Author
I am Rajaram pursing Ph.D in Commerce, ICSSR Research Fellow, Periyar E.V.R. College, Tiruchirappalli – 23. I have published more than 10 research articles in various national and international journals and also presented nearly 25 papers in national and international conferences and attended 10 workshops too. My specialization area is insurance.
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