A I A Insurance Lanka PLC, formerly AVIVA NDB Insurance PLC, is a Sri Lanka-based company engaged in life insurance and general insurance business. The Company's life insurance risks includes mortality, morbidity, longevity, persistency, expense, policyholder behavior risk around take-up of insurance guarantees and options, underwriting and reinsurance basis risk. Its general insurance risks are categorized into property damage, consequential losses, legal liabilities, financial loss, medical expenses and non-indemnity benefits. The Company's direct sales force (DSF) serves customers through 55 distribution points. As of December 31, 2011, its parent entity was AVIVA NDB Finance Lanka (Private) Ltd., while its ultimate parent entity and controlling party was Aviva International Holdings Ltd., United Kingdom. As of the same date, it had one wholly-owned subsidiary, Rainbow Trust Management Limited, which was active in trust management.