We believe that some companies, such as HDFCLIFE and MAXF have become more cautious in their underwriting and hence reported a slower than private players growth, while SBILIFE and IPRU continue their strong momentum as seen in Q1FY22. We believe ULIPs continue to be in flavor and would be the larger driver of premium collection along with non-par guaranteed products. For IPRU, the growth during the month was led by the group term business and ULIPs, and the overall mix would be margin...