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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
Latest
October 8, 2026
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1513 articles
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
Operations & Best Practices - July 13, 2026 - 10 min read
The five-year retention in the POSP master circular attaches to training and examination records, and nothing else. What that means for KYC files, sales evidence and advertising approvals, and why the entity that will actually ask you for a document is your principal rather than IRDAI.
By Tarun Kumar Singh
Operations & Best Practices - July 13, 2026 - 10 min read
Policy PDFs arrive by email and WhatsApp and die there. The seven fields to pull out of every schedule, a naming convention that turns your phone's search box into an index, and the ninety-second test that tells you whether your filing actually works.
By Tarun Kumar Singh
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
Regulation & Compliance - July 13, 2026 - 10 min read
The MISP payout is one line in a dealer's insurance economics, not the whole of it. Manufacturer incentive schemes, DSA and lead-generation fees, loan tie-ins, body-shop referral margin and warranty bundling all move money around the payout construct rather than through it, and Section 41 reaches further into that money than most distribution strategists assume.
By Tarun Kumar Singh
Operations & Best Practices - July 13, 2026 - 10 min read
Section 64VB of the Insurance Act, 1938 means no risk attaches until premium is received, which puts broker commission downstream of a cash event the firm does not control. How entitlement fragments on instalment-paid policies, what deposit premium does to it, what happens on dishonour, and why insurer receipt and broker payout are different dates.
By Tarun Kumar Singh
Claims & Loss Prevention - July 13, 2026 - 10 min read
Network or not, who actually reads the pre-authorisation, why a query is not a denial, and where the discharge shortfall comes from. The cashless workflow an individual advisor can genuinely affect, step by step.
By Sarvada Editorial Team
AI & Insurtech - July 13, 2026 - 10 min read
The advisor works in one language, the policy wording is in English, and the client needs a third register entirely. That gap is a distribution problem, not a user-interface preference, and the advisor standing in it is carrying a translation obligation nobody has acknowledged.
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
Regulation & Compliance - July 12, 2026 - 10 min read
A POSP collects KYC and forwards it; the engaging insurer or intermediary is the regulated entity that carries the obligation. What that division actually means for the documents in your phone, the records you keep, and the DPDP clauses arriving in your contract.
By Tarun Kumar Singh
Operations & Best Practices - July 12, 2026 - 10 min read
The client who bought one motor policy from you lives in a household that owns several things and depends on someone's income. Mapping what a family already holds against what it plausibly needs is a different exercise from cross-selling, and the honest version of it is bounded by what a POSP is actually permitted to place.
By Tarun Kumar Singh
Operations & Best Practices - July 12, 2026 - 10 min read
Nobody at your principal is checking whether you were paid for every policy you sold. That job is yours, and it starts with understanding that a POSP is paid under a contract of engagement rather than by the insurer directly. A line-by-line method for matching statement to book, and the five gaps that hide in the difference.
By Tarun Kumar Singh
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
Operations & Best Practices - July 12, 2026 - 10 min read
The arithmetic of an early-ending policy: how the short-period scale actually computes, why it is stepped rather than proportional, when short rate is a price rather than a penalty, and how the refund number drives the brokerage number.
By Tarun Kumar Singh
Operations & Best Practices - July 12, 2026 - 10 min read
Broking firms book commission at placement and collect it months later, and almost none of them age the gap properly. How to build a commission ageing schedule, compute days outstanding, provision under Ind AS 109's simplified approach, protect drawing power on a receivable-secured facility, and answer the questions an auditor asks about aged commission balances.
By Tarun Kumar Singh
Claims & Loss Prevention - July 12, 2026 - 11 min read
You are the first call when a retail claim happens and the first person blamed if it fails, while holding no authority over any part of the outcome. An honest scoping of what an individual advisor actually owes a claiming client, and the two things never to do.
By Sarvada Editorial Team
AI & Insurtech - July 12, 2026 - 10 min read
A renewal reminder to a client who already holds the policy is servicing, and servicing is the one outbound act an advisor performs on their own authority. A broadcast offer is not, and a discount is a criminal offence. What is left is four moments, one channel ranking and three sentences.
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
Regulation & Compliance - July 12, 2026 - 10 min read
A POSP may not issue or publish any advertisement or sales material without the prior approval of both the engaging entity and the insurer. What that single rule means for WhatsApp status, Instagram reels, client testimonials and the friend you were going to pay for referrals.
By Tarun Kumar Singh
Insurance Products - July 12, 2026 - 9 min read
Surety is the one general insurance line where the underwriter is assessing a contractor's balance sheet rather than a physical risk, which makes it slow to place, narrow on capacity, and unusually dependent on what the broker brings to the file.
By Sarvada Editorial Team
Regulation & Compliance - July 12, 2026 - 10 min read
The first-year discount is the oldest closing move in Indian retail insurance, and Section 41 of the Insurance Act, 1938 makes it illegal for the advisor who offers it and the client who knowingly takes it. What the section says, where the penalties actually land, and what an advisor's real exposure looks like.
By Tarun Kumar Singh
Operations & Best Practices - July 11, 2026 - 10 min read
A lapsed policy is not a lost client, but the window in which it can be recovered cheaply is short and it closes differently for motor, health and life. What happens mechanically when premium goes unpaid, why revival hardens every month, and the win-back sequence an advisor should run from day zero.
By Tarun Kumar Singh
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