Insights

The insurance agency playbook

Market data, regulation, and the operational realities of running an insurance agency in India — written for people who actually sell policies, not for search engines.

Economics & Regulation8 min read

The Real Economics of Running a Small Insurance Agency in India

New agents chase first-year commission. Agencies that last chase something less exciting and far more valuable: a book of renewals that keeps paying whether or not you sold anything new this month.

8 September 2026

Technology & Trends7 min read

India's InsurTech Boom Isn't Replacing Agents — It's Redefining What a Competitive Agency Looks Like

Every InsurTech funding headline gets read by traditional agents as another nail in the coffin. The real story is less dramatic and more useful: the bar for what counts as a competent agency has moved.

8 September 2026

Health Insurance7 min read

Health Insurance Is India's Fastest-Growing Line — Is Your Agency Actually Ready for It?

Health insurance keeps getting called the industry's bright spot. Growing the top line is the easy part — the harder part is whether an agency can service what it sells at that pace.

8 September 2026

Rural & Emerging Markets7 min read

PMFBY and the Quiet Opportunity in Rural Insurance Distribution

Most agency growth conversations in India revolve around health and life in urban markets. Meanwhile, one government scheme quietly touches more policies each season than most product lines combined.

8 September 2026

Growth & Strategy8 min read

The Business Case for Becoming a Multi-Insurer Insurance Agency in India

Selling for one insurer caps your upside at that insurer's product range and appetite. Selling for five multiplies your options — and multiplies your operational headaches just as fast, unless you plan for it.

8 September 2026

Market & Industry7 min read

What Bima Sugam Actually Means for Independent Insurance Agents

Every time a national insurance marketplace gets announced, agents ask the same question: does this replace me? Here's a more useful way to think about what Bima Sugam actually changes.

8 September 2026

Economics & Regulation7 min read

How India's New Commission Rules Are Reshaping Insurance Agency Economics

For decades, commission on a given product was basically the same number no matter which insurer you sold it for. That's no longer true — and the shift rewards a different kind of agency.

8 September 2026

Getting Started8 min read

Agent, POSP, Corporate Agent, Broker, or IMF? A Plain-English Guide to Selling Insurance in India

Over 13 lakh new POSPs and agents got certified in a single year, and most of them still don't fully know how their license differs from the one their neighbour holds. Here's the actual breakdown.

8 September 2026

Renewals & Retention8 min read

Why So Many Life Insurance Policies Lapse in India — And What Agencies Can Actually Do About It

Roughly 86 lakh individual life policies lapsed in a single year. Almost none of that is customers deciding insurance wasn't worth it — most of it is a renewal that simply never got followed up on.

8 September 2026

Market & Industry7 min read

India's Insurance Penetration Problem: Why 3.7% Still Isn't Enough

The industry collected ₹11.93 lakh crore in premiums last year and issued over 41 crore policies — and insurance penetration still didn't move. Here's why scale and depth are two different problems.

8 September 2026