Market Pulse
GI Gross Direct Premium₹3.36 lakh cr· FY2026Insurance Penetration3.7%· FY2025Insurance DensityUSD 97· FY2025Life NBP (July)₹47,005 cr· Jul 2026Health Insurance Premium₹1,27,417 cr· FY2025GI Combined Ratio113%· FY2026Registered Insurers74· Mar 2025Industry AUM₹74.44 lakh cr· FY2025Health Claims Settled ≤3 months~87%· FY2025GI Gross Direct Premium₹3.36 lakh cr· FY2026Insurance Penetration3.7%· FY2025Insurance DensityUSD 97· FY2025Life NBP (July)₹47,005 cr· Jul 2026Health Insurance Premium₹1,27,417 cr· FY2025GI Combined Ratio113%· FY2026Registered Insurers74· Mar 2025Industry AUM₹74.44 lakh cr· FY2025Health Claims Settled ≤3 months~87%· FY2025

POSP Training Zone

Structured learning path for IRDAI-certified Point of Sales Persons

Your Learning Path

Key Topics for POSPs

Products a POSP Can Sell

Motor, Health, Travel, Home, Shop — simple pre-approved products only

Mis-selling Warnings

What NOT to do — hiding exclusions, false promises, incomplete disclosure

Proposal Form Filling

How to correctly fill proposal forms and ensure full disclosure

Client Communication

Objection handling, explaining complex terms, and building trust

Commission Guidelines

IRDAI rules on remuneration, incentives, and transparent dealings

Renewal Management

Importance of timely renewals and preventing policy lapses