There has been a major shift in customer needs, behaviour and more importantly — the customer mindset – over the last few years, prompted by rapid increase in digital adaption. While a few financial needs are intrinsic and mapped to various life stages, these are now perceived differently and customers want immediate gratification, attractive prices and convenience in services, says Subhrajit Mukhopadhyay, Chief & Appointed Actuary, Edelweiss Tokio Life Insurance. In an exclusive interview with Sanjeev Sinha, Mukhopadhyay shares his views on the latest trends in the life insurance industry, as also how customer needs and behaviour have changed over the past few years. Excerpts: