Singh, Anoop, and Pardeep Bawa. “The Effect of Value Congruence on Customer Focus in the Private Life Insurance Sector : A Study of Haryana State in India”. Prabandhan: Indian Journal of Management, vol. 11, no. 8, Aug. 2018, pp. 34-52, doi:10.17010/pijom/2018/v11i8/130643.