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The potential of micro insurance is very high for a developing country like India where a major portion lives below poverty line. Micro insurance in India is a new concept and in the real sense, is yet to be tested for its suitability to the needs of target segment. Spreading awareness among this segment of insurable population and capacity building of the delivery organizations are major challenges. In several cases, social factors or guiding agencies like insurance agents, employers, and friends and relatives influence the prospective buyers to invest in the micro insurance policy. The present paper brings to light in micro insurance policy in Kollam district, Kerala.