INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. I. Justin Jaya Franco, Dr. N. Sumathi has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 3, Issue- 18, April 2017, pp. 196-198." Paper Title:- " OPPORTUNITIES AND CHALLENGES OF INSURANCE INDUSTRY IN INDIA A THEORETICAL OVERVIEW. " Chief Editor Managing Editor