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Sarvada research, workflows, and commentary focused on market & trends.
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149 published articles
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Market & Trends
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October 8, 2026
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149 articles
Market & Trends - July 22, 2026 - 7 min read
Mid-size manufacturers in Coimbatore, Ludhiana, Rajkot, Surat and Indore carry real insurable value and buy complex cover with almost no advice. Where the tier-2 commercial opportunity sits, how to reach it, and why claims advocacy is the differentiator that wins it.
By Sarvada Editorial Team
Market & Trends - July 22, 2026 - 7 min read
IRDAI's chairman said a distribution-reform consultation would arrive by end-July 2026, reportedly proposing commission paid over the policy tenure rather than upfront. Here is what that would do to an individual advisor's income, and the three no-regret moves that pay off either way.
By Sarvada Editorial Team
Market & Trends - July 21, 2026 - 7 min read
A broking firm's main asset walks home every night and chooses whether to come back. How Indian firms hire, why producers take books with them, what non-competes cannot do under Section 27, and how pay is split between stability and production.
By Sarvada Editorial Team
Market & Trends - July 20, 2026 - 6 min read
IRDAI's June 2026 intermediaries draft would make commission over Rs 10 crore public. This is a market-structure event, not just a compliance one: once the number is visible, it becomes benchmarking material clients and competitors negotiate against.
By Sarvada Editorial Team
Market & Trends - July 19, 2026 - 6 min read
IRDAI has confirmed two general insurance licences granted since the 100% FDI regime took effect, companies unnamed and ownership undisclosed. What is actually known, and a carrier-evaluation framework for placing business with a newly licensed insurer.
By Sarvada Editorial Team
Market & Trends - July 18, 2026 - 6 min read
The IRDAI chairman has confirmed Bima Sugam is behind schedule, with initial motor, health and term products now expected live by end-September 2026. What slipped from the earlier May marker, why the sequencing matters, and what a commercial broker should actually do with the extra runway.
By Sarvada Editorial Team
Market & Trends - July 18, 2026 - 6 min read
A private insurer built on pricing discipline just posted an underwriting-loss quarter. The one-off drivers matter more than the 107.2% headline, and what sits underneath them tells a commercial buyer where fire and motor pricing is heading in the second half.
By Sarvada Editorial Team
Market & Trends - July 17, 2026 - 9 min read
Britain, America and Singapore each spent years fighting over how intermediaries are paid, and each reached a different settlement. India is arriving at the same questions with a structurally different instrument, which is why the foreign answers read as interesting rather than portable.
By Sarvada Editorial Team
Market & Trends - July 17, 2026 - 11 min read
A broking firm underwrites its clients' credit relentlessly and its insurers' credit almost never, even though its largest single unsecured exposure is commission owed by carriers. What the solvency architecture actually protects, where a broker's receivable sits when it fails, and why the exposure runs both ways.
By Sarvada Editorial Team
Market & Trends - July 16, 2026 - 10 min read
Bima Sugam is not transacting. The information hub is live, transactions are expected by end-September 2026, and motor goes first. What is confirmed, what is genuinely unknown about how an individual advisor fits, and the preparation that pays whether or not the date holds.
By Sarvada Editorial Team
Market & Trends - July 15, 2026 - 10 min read
A book that renews pays you for work you did years ago. A book that churns makes you re-earn the same income every year from zero. Persistency is the hinge between those two businesses, and the reform direction under discussion would widen the gap between them.
By Sarvada Editorial Team
Market & Trends - July 15, 2026 - 10 min read
When a whole broking book changes hands, the deed does not move the income. Novation of client mandates, the per-policy consent problem at portfolio scale, the tail nobody wants to service, and how run-off commission is accounted and collected once no one is writing new business.
By Sarvada Editorial Team
Market & Trends - July 14, 2026 - 10 min read
POSP, agent and broker are not three seniority tiers on one ladder. They are three different regulatory animals with different doors, different product scope, different ties and different capital. What each rung actually costs an individual, and what it buys.
By Sarvada Editorial Team
Market & Trends - July 13, 2026 - 10 min read
POSP-aggregator platforms recruit at volume because recruitment is their growth. The offer is real: a principal to be tied to, insurers you could not otherwise reach, training, the examination, a portal, payouts. The price is real too, and most of it is not the payout split. An even-handed reading of the bargain.
By Sarvada Editorial Team
Market & Trends - July 13, 2026 - 11 min read
Removing a tax from a premium does not just make the policy cheaper. It changes which sentence the client says back to you, and it moves the hardest part of your job from the price to the recommendation.
By Sarvada Editorial Team
Market & Trends - July 13, 2026 - 9 min read
Recruitment pages answer this with a number. No number exists, because a POSP is paid by whoever engaged them under a contract, and the percentage in that contract is the least informative variable in the arithmetic. What to interrogate instead, one policy at a time.
By Sarvada Editorial Team
Market & Trends - July 13, 2026 - 11 min read
Crop insurance is allocated by state governments through cluster tenders at an L1 actuarial rate, enrolled inside a window measured in weeks, and paid for by two governments whose subsidy arrives late. What that structure does to a broking firm's mandate, its calendar and its receivable.
By Sarvada Editorial Team
Market & Trends - July 13, 2026 - 10 min read
The POSP design reads like a metro convenience: a low education bar, fifteen hours of training, a short list of pre-underwritten products. Read it against a tehsil instead and it stops looking like a shortcut. It looks like a channel built for the places the agent and broker routes never reached.
By Sarvada Editorial Team
Market & Trends - July 12, 2026 - 9 min read
A point of sales person is not a licence category. It is a certified individual attached to somebody else's licence, restricted to pre-approved simple products and tied to one principal at a time. That one sentence resolves almost every confusion about what the channel can and cannot do.
By Sarvada Editorial Team
Market & Trends - July 12, 2026 - 10 min read
Converting an agency into a licensed broking firm is a balance-sheet decision, not a career step. What the door costs, whether the book travels, how the revenue bridge actually works, and how long the payback really takes.
By Sarvada Editorial Team
Market & Trends - July 12, 2026 - 10 min read
A health book behaves like the opposite of a motor book. The ticket is larger, the client is far harder to move, and the value accrues rather than resets. The price of that is servicing, and an age-banded renewal conversation that gets harder every year rather than easier.
By Sarvada Editorial Team
Market & Trends - July 11, 2026 - 10 min read
Motor is where almost every point of sales person starts, because it is the one product on the permitted list where demand arrives pre-formed. It is also the channel's treadmill: thin rupees per policy, a servicing cost that does not shrink with the premium, and a twelve-month cycle that re-opens every decision you already won.
By Sarvada Editorial Team
Market & Trends - July 9, 2026 - 10 min read
How employee-benefits brokers in India earn on group health and allied benefits in 2026: commission versus fee versus hybrid models, add-on and wellness income, the squeeze from insurer loss ratios, and why documented servicing depth is becoming the basis for defending remuneration as IRDAI moves toward effort-based commission rules.
By Sarvada Editorial Team
Market & Trends - July 9, 2026 - 10 min read
A working playbook for small and regional Indian broking firms facing commission reform and rising compliance cost: niche specialisation, servicing depth as a moat under effort-based pay, shared back-office utilities, and a clear-eyed view of when to join a network or sell.
By Sarvada Editorial Team
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