| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | endowment insurance | India | Less common type of insurance compared to term life or whole life insurance | 1 |
| 2 | premium | India | Premium products are often seen as extravagant or unnecessary, and may not be widely accessible or affordable to the general population. | 1 |
| 3 | premium | India | Consumers in India and Brazil are more price-sensitive and may not readily pay a premium for products unless they perceive significant added value. | 1 |
| 4 | premium payment | India | Often made as a lump sum annually for insurance policies | 1 |