In Indian homes, mothers occupy a space that is both emotional and operational. They are caretakers, decision-makers, and crisis managers rolled into one. Yet, when it comes to financial protection, particularly insurance, they remain one of the most underserved segments. According to the IRDAI’s annual report, a minuscule number of insurance policies are registered in the names of homemakers, despite them comprising over 70% of non-working women in India. Why this glaring gap? It stems from a flawed notion that insurance is only for those with income.

This gap in inclusion is even more critical in light of the Government of India’s ambitious vision of ‘Insurance for All by 2047’. To achieve this inclusive goal, we must bring homemakers, particularly mothers, to the forefront of the insurance conversation. Insuring, a mother means insuring a household. Her wellbeing directly impacts the emotional and financial stability of the family unit -it is a strategic necessity to achieve universal insurance coverage.