The distribution channel through which the insurance companies could reach out to their customers in the rural and social sectors comprises of Non Governmental Organizations (NGOs) Micro Finance Institutions (MFIs) Self Help Groups (SHGs) Micro Agents Cooperative Banks Regional Rural Banks (RRBs) Post Offices Banking Correspondents (BCs) Local Community Groups Credit Unions Health Care Providers Mobile Service Providers Anganwadi Workers Owners of individual Kirana StoresM.M .: Mercantile marine.