In this issue we have covered articles on Investing in service supply chain to drive insurance penetration in india, improve persistency ratio & contribute to the nations well being - Venkatesh Ganapathy; Tone at the top: Should Risk Management Department be Directly Responsible to Board of Directors than CEO - Tirath Raj Mendiratta; Non-life insurance industry slips further in emerging markets league - Jagendra Kumar; Role of Risk Management professionals in emerging economies - Parivesh Khandelwal.   We have covered news on General Insurance, IRDAI News, LIC News, Health Insurance News, Private Life Insurance News and International News.   Besides it covers other interesting features.