Evaluation of Lifer Insurance Demand Determinants in Difference Conditions of India

Writing a research based book is really an arduous as well as a thought-provoking experience. It necessitates a great deal of research, hard work, effort and dedication. Writing this book required a lot of inspiration and professional efficacy which befell from various sources during my research journey for which I am highly indebted.

I express my sincere gratitude and heartfelt thanks to my supervisor Dr. Silender Singh, Associate Professor, Department of Commerce, CDLU, Sirsa, Haryana, for his guidance, helpful comments, and constructive criticism. His intellectual insight paved my way to achieve the goal. His unbelievable encouragement, guidance and needed commentaries, really stimulated me in shaping my premature ideas to accomplish this itinerary.

I am also grateful to Professor Sultan Singh, Dean, Faculty of Commerce and Management, Professor. D.

P. Warne, Professor Surinder Singh, Chairperson Department of Commerce, Dr. Kapil Chaudhary and Dr. Kamlesh Rani for their generous support and appreciation during the research. I also express my gratitude to the librarian and staff members in the library of CDLU, Sirsa for their cooperation and help.

Victor Hugo has very rightly cited "Thanksgiving has wings and goes where it must go". My deep gratitude will definitely reach all scholarly articles and researches for creating a pedestal to my research. Noteworthy among them are Subir Sen, Tienyu Hwang, Beck & Webb, Mitra, & Ghosh, Jordan Kjosevski, Daria Nesterova. I would also extend a heartfelt thanks to Insurance Regulatory and Development Authority of India and Sigma, Swiss Re. for providing indispensable inputs to produce this book.

I especially want to thank the thousands research scholars across the world pursuing the research projects that has inspired this contribution. My hope is that you take away as much from this book as writing it.

To all those at Imperial Publications, know that your contribution is valuable that have turned the dream of sharing the knowledge with you into reality.