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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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August 16, 2026
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1217 articles
Operations & Best Practices - July 15, 2026 - 10 min read
A point of sales person is tied to one principal at a time, yet may end up placing business with several insurers behind that principal. What that actually means, and the operational load it creates across portals, statement formats, product sets and renewal rules.
By Tarun Kumar Singh
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
Regulation & Compliance - July 15, 2026 - 11 min read
Paying brokerage to a foreign broker is not an IRDAI question. It is an AD Bank question, a transfer pricing question, a withholding question and a GST place-of-supply question, and the answers decide whether the payment leaves India at all.
By Tarun Kumar Singh
Operations & Best Practices - July 15, 2026 - 10 min read
Non-life commission expense grew close to 19 percent in FY2024-25 against 8.5 percent premium growth, and the rulebook that will govern FY27 is still unwritten. A build for the FY27 commission budget: the expiring register as base, retention measured on commission rather than count, a weighted new-business bridge, rate and mix as separate assumptions, phasing on the real renewal calendar, and a variance report that names a cause.
By Tarun Kumar Singh
Insurance Products - July 14, 2026 - 10 min read
Pure term is on the POS-Life list, but the POS version is a deliberately narrower instrument than the fully underwritten term policy a client may be shown elsewhere. What pre-underwritten actually costs the buyer, why premium paying term must equal policy term, and what to do when a proposal falls outside the envelope.
By Sarvada Editorial Team
AI & Insurtech - July 14, 2026 - 10 min read
Nobody decided WhatsApp would be the surface Indian insurance distribution runs on. It won on install base, zero training, handset tolerance and the ability to carry a PDF. Why the alternatives lost, what that means for tooling, and the four things a chat thread will never be.
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
Regulation & Compliance - July 14, 2026 - 10 min read
When a POS policy is mis-sold, the regulatory penalty does not land on the person who sold it. It lands on the insurer or intermediary whose code the proposal carried. That asymmetry explains why your principal polices your conduct harder than any regulator will, and why an advisor's real exposure is termination and the loss of a code rather than an order from IRDAI.
By Tarun Kumar Singh
Operations & Best Practices - July 14, 2026 - 10 min read
Most individual advisors measure how many policies they sold last month, which is the one number that predicts almost nothing about next year's income. Five measurements that do, and how to compute each from your own book rather than from someone else's benchmark.
By Tarun Kumar Singh
Operations & Best Practices - July 14, 2026 - 10 min read
Twenty minutes, five lists, same order, before the first call: renewals due, claims in flight, proposals pending against the four-working-day POS-Life issuance standard, follow-ups owed, and commission gaps aged rather than totalled.
By Tarun Kumar Singh
Insurance Products - July 14, 2026 - 10 min read
Hull lines pay a broker for placement, not for renewal administration, because a single total loss reprices the whole account. The agreed-value negotiation, the war writeback, the P&I split and the reinsurance dependence that make hull brokerage economics lumpy.
By Sarvada Editorial Team
Regulation & Compliance - July 14, 2026 - 10 min read
A broking firm that has only ever earned general insurance brokerage meets a different animal in life: first-year and renewal commission, premium paying term, par versus non-par versus ULIP economics, and persistency as the number that decides whether the book was worth writing.
By Tarun Kumar Singh
Claims & Loss Prevention - July 14, 2026 - 10 min read
A broker's claims desk runs on clocks nobody writes down: acknowledgement, registration, document requests, surveyor chase, insurer follow-up, payment. This is how to set those clocks, run the desk that keeps them, and decide what to promise a client in writing.
By Sarvada Editorial Team
Operations & Best Practices - July 14, 2026 - 10 min read
Commission is the workstream that quietly sinks broking system implementations: legacy extracts with no rate-table history, in-flight policies at cutover, opening receivables nobody can reconcile, and endorsement chains the new data model cannot represent. A guide to scoping, mapping, parallel running and accepting a commission migration.
By Tarun Kumar Singh
AI & Insurtech - July 14, 2026 - 10 min read
An honest inventory of what one advisor actually runs on: WhatsApp, a phone gallery of policy PDFs, four insurer portals with four logins, one spreadsheet, and whatever app the principal handed over. Which layers hold, which have no owner, and why the choice is rarely the advisor's to make.
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
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
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