India's growth, over the last 2 decades, has been phenomenal. For the majority of us urbanites who stand at the cusp of India's transformational journey it's a rewarding experience. And, we barely see beyond the cocoon we are ensconced in. Yet, there lies a world beyond - Rural India. 72% of India resides in villages. And a significant section of these 6,50,000 odd villages does not have a single bank branch, leaving a speculated 40% of India's population unbanked. When it comes to insurance, the situation leaves even more to desire. Only 15% of the Indian population has life insurance in any form. The Indian Government, needless to say, has initiated powerful schemes to remedy this situation but still needs a vehicle to effectively carry this forth.