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
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
Operations & Best Practices - July 11, 2026 - 11 min read
A reminder tells you a policy expired. A forward calendar tells you what to do about it ninety days earlier, when doing something is still cheap. The 90/60/30/7 cadence for an advisor's own book, what each checkpoint is actually for, and why lapse risk compounds fastest in the last fortnight.
By Tarun Kumar Singh
Regulation & Compliance - July 11, 2026 - 10 min read
Bima Vistaar has slipped again, nearly two years after it was first announced, and the reason is pricing rather than paperwork. What a broking firm can honestly do about a product that keeps not arriving, and why the pricing problem is the thing to watch rather than the launch date.
By Tarun Kumar Singh
Regulation & Compliance - July 11, 2026 - 10 min read
When an insurer short-pays or withholds brokerage, the broking agreement decides almost everything that follows. How to build the escalation ladder, when to serve a Section 21 notice under the Arbitration and Conciliation Act, 1996, how to evidence quantum, and why limitation runs faster than most broking firms think.
By Tarun Kumar Singh
Operations & Best Practices - July 11, 2026 - 10 min read
Most insurer-broker agreements dispose of brokerage in three sentences and leave every hard question to the insurer's operating practice. A clause-by-clause drafting guide: how the rate schedule is referenced, when entitlement accrues, set-off limits, cancellation refunds, survival on termination, warranties, notice and escalation.
By Tarun Kumar Singh
Insurance Products - July 11, 2026 - 10 min read
Personal accident sits on the original non-life POS list, costs a fraction of what the household already pays for its two-wheeler, and almost nobody offers it. What the cover actually pays for, why it is not a substitute for term or health, and the four things to read in the wording before you quote.
By Sarvada Editorial Team
AI & Insurtech - July 11, 2026 - 11 min read
Most Indian advisors run their book in a spreadsheet, and that is not a stupid decision. It is a decision with six specific failure modes, three of which are survivable at any size and three of which compound quietly until the loss is already booked.
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
Regulation & Compliance - July 11, 2026 - 10 min read
A POSP is tied to only one insurer or intermediary at any given point in time. The reach to quote several insurers flows from the principal's licence, not from the POSP's own certificate, which makes choosing a principal the biggest structural decision an advisor makes.
By Tarun Kumar Singh
Sarvada Intelligence
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.