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Rural India often represents another world peopled by Indians that share very little with their urban countrymen. Rural population is calculated as the difference between total population and urban population. While overall GDP growth () was commendable at %, nearly 68% of India's population still resides in rural areas and needs to feel its positive impact.

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Rural India and IRDA has also helped in this regard under their developmental role by bringing Micro Insurance Regulations. 2. Myths about Rural India Despite of much publicity from Government of India there are still some myths about Rural India, which Life Insurance companies shall have to verify at their end at various parameters.

Life Insurance Penetration in Rural Areas-Indian Perspective 23 increase in competition is forcing insurance providers to look beyond urban centers and take their trade to the more.

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