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There is one thing common among urban and rural investors in the insurance sector — both prefer to pay premiums on a monthly basis. However, the reason for taking the insurance policy varies. A survey comparing the buying behaviour of rural and urban insurance customers by Dhimen Jani and Dr Rajeev Jain in Abhinav journal revealed that city-dwellers choose the insurance route for financial stability, while village folk see it as part of their retirement planning. However, both show a preference for policies from government agencies over private ones.
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