Where Your Premium Actually Goes: Product Mix at India’s Top Life Insurers
Where do LIC, HDFC Life, ICICI Pru, and SBI Life actually earn their money? Six years of product mix data from investor presentations, with VNB margins.
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Homepage flagship story for the Data-Backed Gyan section.
Life Insurance Pending Claims: ₹283 Crore Uncollected (Latest IRDAI Data)
4,999 death claims pending at end of FY 2024-25, up from 458 a year earlier. LIC holds 95.8% of them. Plus ₹38.69 crore in claims went completely uncollected.
Solvency Ratio of All Life Insurers: 11 Years of IRDAI Data (2014–2025)
44 quarters of IRDAI solvency data for every life insurer in India. See who consistently exceeds the 1.50x minimum and who cuts it close — quarter by quarter.
86 Lakh Policies Wiped Out: Lapse & Persistency
86 lakh policies lapsed in FY 2024-25, erasing ₹8.7 lakh crore in coverage. 12 years of IRDAI data reveals which insurers lose the most policyholders and why.
994 Court Cases Analysed: Life Insurance Disputes
We analysed 994 life insurance court cases (2000–2026). Non-disclosure appears in 59.1% of cases; consumers win 57.7% of decided cases. Full breakdown by court, insurer, and rejection ground.
Claim Settlement Ratio of All 24 Life Insurers (Latest IRDAI Data)
All 24 life insurers ranked by individual death claim settlement ratio — by count AND by amount. IRDAI FY 2024-25 verified data with the gaps most sites don’t show you.