<h1>IRDA Reports Increased Insurance Penetration; Life Insurance Slightly Down, Non-Life Insurance Rises in 2010-11.</h1> The Insurance Regulatory and Development Authority (IRDA) reported an increase in overall insurance penetration in the country from 2.32% in 2000-01 to 5.10% in 2010-11. Life insurance penetration slightly declined from 4.60% in 2009-10 to 4.40% in 2010-11, while non-life insurance penetration rose from 0.60% to 0.71% during the same period. Various macro-economic factors influence insurance penetration. IRDA conducts the Bima Bemisaal campaign to educate the public about insurance, utilizing multiple media channels and supporting consumer seminars. The campaign is multilingual, and IRDA organizes annual seminars focused on policyholder protection and welfare.