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IRDAI’s final mis-selling rules, notified on 30 July 2026, will name the seller on every intermediary-sold policy from 1 January 2027 and make large intermediaries publish their commission. They do not cut commissions.
Home loan insurance shrinks as you repay and pays the bank, not your family. Group loan cover still carries 18% GST, and IRDAI now proposes to ban compulsory bundling. Here’s how it compares with term insurance, and why loan cover alone isn’t enough.
100% FDI, Bima Trinity, zero GST, and a distribution reform crackdown. Every 2026 insurance reform explained with what it means for you.
IRDAI is collecting granular commission data from every life insurer. The numbers explain why agents push endowments over term plans — and what the commission restructuring could change.
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.
A 2026 LocalCircles survey found 80% of online insurance buyers face difficulty cancelling policies, up from 61% two years ago. 90% report aggressive nagging and 82% experience bait-and-switch pricing. Here’s what the data says, what regulators are doing, and how to protect yourself.