Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. M.Saravanan and Dr.R.Eswaran has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 1, Issue- 12, January 2017, pp. 6-14." Paper Title:- " COMPETITIVE STRENGTH TOWARDS UNITE OF HDFC STANDARD LIFE INSURER AND MAX LIFE INSURER AGAINST OTHER PRIVATE LIFE INSURERS IN INDIA " Chief Editor