Insights
Explore underwriting workflows, regulator-sourced risk research, and operational best practices.
Library
Regulator-sourced research, briefings, and editorial analysis
Topics
Underwriting, claims, insurance products, and regulation
Latest
August 16, 2026
Browse by topic
1217 articles
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
Operations & Best Practices - July 18, 2026 - 9 min read
The moment a motor policy expires, a two-minute renewal turns into an inspection, a wait, and a client with a reason to shop around. What the break-in inspection is, why insurers require it, the self-inspection app flow, the no-cover window nobody warns the client about, and how the 90-day NCB rule really works.
By Tarun Kumar Singh
Operations & Best Practices - July 18, 2026 - 10 min read
The cheapest new business a broking firm can write is the cover its existing clients already need and buy elsewhere or not at all. A framework for annual account plans on commercial clients: the coverage-gap matrix, a worked manufacturing example, timing to renewal and business events, and how to measure the wallet share you actually hold.
By Tarun Kumar Singh
Regulation & Compliance - July 18, 2026 - 10 min read
The Sabka Bima Sabki Raksha Act amended the statute in February 2026, but a statute is not a rulebook. In June 2026 IRDAI put four exposure drafts out for comment in quick succession. Here is the map of which reforms now have draft regulations, which are still pending, and why none of the four is yet in force.
By Tarun Kumar Singh
Underwriting & Risk - July 17, 2026 - 10 min read
Commission is not added to a technical premium, it is divided into it. What that means when a broker asks for five more points, where the money goes when the market will not bear the resulting rate, and why an underwriter measured on loss ratio never sees any of it.
By Tarun Kumar Singh
Claims & Loss Prevention - July 17, 2026 - 10 min read
On a group health account run through a Third Party Administrator, the broker absorbs a workload the placement commission never priced: cash deposit reconciliation, pre-authorisation chasing, network hospital escalation and enrolment churn. The case for invoicing that work separately, and how to do it without touching Section 41.
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
AI & Insurtech - July 17, 2026 - 10 min read
A broking firm with thirty insurer agreements accumulated over fifteen years cannot tell you what it is owed without opening files. Contract NLP can read the rate schedules, accrual triggers and set-off rights into a schema, but the arithmetic downstream must stay deterministic.
By Sarvada Editorial Team
Risk Management Strategies - July 17, 2026 - 10 min read
A broking firm's largest insurer relationship is also its largest unmeasured exposure. How to measure revenue concentration with HHI and the effective counterparty count, cross-tabulate it across insurer, client and line, test substitutability, size the scenarios that actually happen, and set a tolerance the board can hold.
By Tarun Kumar Singh
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
Insurance Products - July 16, 2026 - 10 min read
Indemnity or fixed benefit, individual or floater, sub-limits, waiting periods, co-pay, network and the difference between a top-up and a super top-up. A map of the retail health category for the point of sales advisor, including an honest boundary around what a POSP can and cannot place.
By Sarvada Editorial Team
AI & Insurtech - July 16, 2026 - 10 min read
Your commission on a policy is not a forecast. It is a calculation with a contracted rate, a defined base and a known set of adjustments, which means it has one right answer. Any tool that hands an advisor an approximation for a number that is exactly computable has quietly decided your money is not worth the arithmetic.
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
Regulation & Compliance - July 16, 2026 - 10 min read
A policyholder's complaint runs against the insurer, not against you, and the redress process has no seat for the person who sold the policy. You have no standing in it and every interest in its outcome, because the finding travels back down the contract to your code.
By Tarun Kumar Singh
Regulation & Compliance - July 16, 2026 - 12 min read
A POSP's pay is a contract term, not a regulatory entitlement. Trace the chain upward from your engagement contract to the insurer's board-approved commission policy and the expense envelope around both, and it becomes clear why nobody can quote you a rule.
By Tarun Kumar Singh
Regulation & Compliance - July 16, 2026 - 10 min read
Eighteen years completed and a 10th standard pass is the whole eligibility test. Who qualifies, which documents you will be asked for, why there is no application to file with IRDAI, and what the deliberately low barrier does not buy you.
By Tarun Kumar Singh
Operations & Best Practices - July 16, 2026 - 10 min read
Persistency is the number that decides whether an advisor's book compounds or quietly drains. What the 13th and 25th month measure, why insurers watch them more closely than they watch your sales, and what to do in months 9 to 12 and 21 to 24.
By Tarun Kumar Singh
Regulation & Compliance - July 16, 2026 - 10 min read
An inspection is not a return. It is an on-site examination that samples your placements, writes a report, and can put a show-cause notice on your principal officer's desk. What the inspection sequence looks like end to end, what the June 2026 exposure draft on penalty procedure would formalise, and why a commission finding costs more now that licences never expire.
By Tarun Kumar Singh
AI & Insurtech - July 16, 2026 - 10 min read
Insurer commission statements arrive in a dozen formats with no shared key, which is why matching them against your placement register resists automation. An engineering view of parsing, cardinality, confidence bands, exception queues and idempotent re-runs.
By Sarvada Editorial Team
Insurance Products - July 15, 2026 - 10 min read
Motor is the point of sales channel's volume product and the one most often handed over without a word of explanation. What own damage covers, what third party covers, why only one of them is compulsory, and why the client who does not understand the difference at the point of sale becomes a complaint at claim time.
By Sarvada Editorial Team
AI & Insurtech - July 15, 2026 - 10 min read
Every insurer prints its schedule differently, half of them are scans, and the tables are not tables. What a machine can actually pull out of an Indian policy PDF, what it quietly gets wrong, and why a confident wrong expiry date is worse for an advisor than no extraction at all.
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
Regulation & Compliance - July 15, 2026 - 10 min read
Nobody has authoritatively said what an individual insurance advisor is under the DPDP Act. What is certain is the calendar: November 2026 for enforcement powers, May 2027 for the substantive provisions. Between now and then, the obligations reach you not from the regulator but through your engagement contract.
By Tarun Kumar Singh
Operations & Best Practices - July 15, 2026 - 10 min read
WhatsApp is where most Indian advisors actually run their book, and almost none of them have checked which messages are servicing and which are unapproved sales material. Where the line falls, why a broadcast list is riskier than a personal message, and what to keep.
By Tarun Kumar Singh
Sarvada Intelligence
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.