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A chance meeting with an auto-rickshaw driver in 2008 changed the way C S Sudheer looked at insurance. "The auto driver told me a sales person from my organisation had sold him an insurance policy with a promise that he would get Rs 1 lakh after three years if he paid Rs 25,000 every year," recollects Sudheer. At that time, Sudheer was the Karnataka head of Howden India, which was involved in risk management and retail insurance businesses. On checking the driver's document, Sudheer realised he was tricked into buying the policy, a regular premium unit-linked ...