It might be prudent to mention here the sample class considered for the survey. Also one should note that why this kind of article is posted at a time when earning people are trying to buy ULIPs etc to do "tax planning". I daresay the situation is like releasing a survey to Indians that majority of Indians are malnourished right before a food festival. The intention may be to confuse or entice the target audience for the food festival who may already may have maladies related to eating may overeat or buy junk/less value for money food stuff if they take these surveys seriously. Similiarly such a study by Aviva right before the "tax planning" season