How have the reforms in the Insurance Sector provided Universal Social Security System especially to the underprivileged? Discuss.

The insurance sector reforms have played a crucial role in fostering a universal social security system, particularly for underprivileged communities, by creating more accessible, affordable, and comprehensive financial protection mechanisms. The sector has undergone significant changes, especially since the liberalization in the 1990s, which have aimed at broadening coverage, enhancing competition, and introducing innovative schemes targeted at economically disadvantaged groups.

One of the most notable reforms has been the expansion of the insurance market, which has introduced a variety of products tailored to the needs of the underprivileged. Before liberalization, the insurance sector was largely limited to a few ____ _______ _________ _________ __________ _______ ___ ______ ___ _____.
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