In India Governments play a role providing some security to poor household in general financial security remains the responsibility of individuals. Life insurance is one of the most important financial security measures undertaken in the country. In this context an attempt made to identify determinants of life insurance ownership at household level based on primary data. The major factors of insurance in urban area are caste, level of education, earning members in the family, income, savings and nature of accommodation. In the rural area caste, level of education, number of children in the...