由于社会不适、消费者偏好和中介因素，印度保险业对纯风险保险的兴趣有限。 India's insurance sector has limited interest in pure risk policies due to societal discomfort, consumer preference, and intermediary factors.
JM Financial 的报告显示，由于社会不愿讨论死亡、消费者更倾向于生存利益以及中介机构对长期保单兴趣较低，印度保险业对纯风险保单的兴趣有限。 JM Financial's report reveals India's insurance sector has limited interest in pure risk policies due to societal discomfort in discussing death, consumer preference for survival benefits, and intermediaries' lower interest in long-term policies. 尽管人均保额较低（143,000 卢比），且 2018 财年至 2023 财年新保单的复合年增长率为 0.2%，但与新加坡、日本和美国等国家相比，该行业显示出增长潜力。 Despite low sum assured per person (Rs 143,000) and a 0.2% CAGR in new policies over FY18-FY23, the sector shows growth potential compared to countries like Singapore, Japan, and the USA.