Stories From The
Front Line Of Insurance

IRDAI's updated IT and cybersecurity guidelines aren't optional reading, they're the basis of your next licence renewal audit. Most brokers know the circular exists. Very few have actually mapped their current operations against the specific requirements it mandates. That gap is where licence suspensions begin.

When a fintech or NBFC decides to enter insurance distribution, the technology question comes up early: should we build this ourselves or use an existing platform? The build instinct is understandable, you control the product, own the data, differentiate on experience, and don't pay platform fees indefinitely. Here's an honest account of what building actually means in regulated Indian insurance infrastructure, and what you're trading for those benefits.

Going digital is not a question of if for Indian insurance brokers, it's a question of when and how. Pick the wrong moment and you disrupt a running business. Pick the right moment and technology multiplies what your team can do. The five signals below are operational, not theoretical. If three or more apply to your business today, the cost of waiting is already compounding.

Most NBFCs approaching insurance distribution assume they need to obtain a Corporate Agent licence from IRDAI. Some have already been through the application process. If you've looked at the CA requirements recently, you'll have a sense of why many give up halfway. But there's a better path, and it's the one most successful NBFCs in India are already using.

Commission reconciliation is the work that happens after the sale, and for most Indian insurance brokers, it means a monthly ritual of spreadsheets, bank statements, and insurer commission reports that never quite match. Here's what that process actually costs, and what the alternative looks like.

Embedded insurance is one of the most talked-about models in Indian fintech right now, and one of the most misunderstood. Most articles define it and move on. This one covers the regulatory structure, the API model, what to embed and when, and the mistakes that slow most implementations down.

The average insurance broker in India loses 30 to 45 percent of their renewal book every year. Not because clients deliberately switch. Not because a competitor offered a better deal. Because no one from the broker's team reached them before the policy lapsed. Renewal leakage is passive, it doesn't announce itself. It just compounds, quietly, until the numbers force you to look.

How a white label platform helped a travel agency embed insurance into their booking journey without losing their brand.