new delhi amid rising disposable income levels and better health education and housing conditions as much as 85 per cent of middle income earners in india feel a greater need for additional insurance to protect their lifestyles according to a surveyaccording to the ing investor dashboard survey for the second quarter of 2011 more than 75 per cent of respondents that believe they have less coverage than they require want to purchase an additional insurance policy in the coming 12 monthsthe survey reveals that within the asiapacific region indians feel that there is a greater need to protect their lifestyle and intend to purchase additional insurance policies in the next one yearwith rising disposable income better health education and housing conditions more and more individuals have lifestyles that they want to protect ing insurance asia pacific ceo frank koster said adding that insurance policies with attached savings plans are proving to be the product that attracts the maximum demandprioritywise within the asiapacific region indians attach the highest importance to their childrens education after the need to protect family income saving for retirement is the thirdmost important priority for indians the survey saidindians have a strong desire to give good education to their children compared to the region indians have the backing of a joint family system which makes retirement planning a lesser priority ing life india chief marketing strategy officer uco vegter saidas the nuclear family system grows in india we will see growth in the retirement segment too vegter addeddue to prevailing high interest rates the indian middle class finds fixed deposits their favorite instrument to plan for their childs needs followed by life insurance policiesthe survey further reveals that parents are starting to save for their child early with over 45 per cent of the indians surveyed asserting that they prefer to start saving for their children when they are 03 years of agethe survey tracked insurance purchasing behaviour across seven markets china hong kong india korea malaysia thailand and japan in order to explore the lifestyle choices of asias middle classthe survey was conducted in june 2011 and involved online interviews with a total of 2329 middle income respondents aged 25 years and above across seven asiapacific markets