REGULATORY
Disclosures
Who we are, what we are licensed to do, whom we work with, and how we are paid. Published in full because you are entitled to know it before you take advice from us.
Regulatory identity
| Registered name | Insurance Point |
|---|---|
| Trading name | Insurance Point |
| Entity type | Sole proprietorship |
| Licence category | Individual insurance agent(s), licensed by IRDAI |
| Principal place of business | 171, S.C. Road, Nat Kalapa Circle, Jayanagar, Bengaluru – 560004, Karnataka, India |
| Phone | +91 94497 21782 |
| Operating since | 2006 |
Licensed agents
Insurance Point is a sole proprietorship. It does not itself hold a single corporate insurance registration. Insurance is solicited by individually licensed IRDAI agents operating under Insurance Point, each holding their own licence number and their own insurer appointments.
The agents authorised to solicit business under Insurance Point are:
| Agent name | IRDAI licence no. | Category | Appointed insurer(s) | Valid until |
|---|---|---|---|---|
| [TO BE COMPLETED BEFORE PUBLICATION] One row per licensed agent. For each: full name as licensed, IRDAI agent licence number, category (life / general / health), the insurer(s) that agent is appointed by, and the licence validity date. An individual agent's appointments are personal to that agent, so this table — not the homepage insurer list — is the authoritative statement of what Insurance Point can place and with whom. | ||||
You can independently verify any agent's status using IRDAI's agent verification tool. We encourage you to.
How to reach us
| Reason | Contact |
|---|---|
| General enquiries | hello@insurancepoint.co.in |
| Existing policies and servicing | policy@insurancepoint.co.in |
| Business and commercial insurance | business@insurancepoint.co.in |
| Partnership enquiries | partner@insurancepoint.co.in |
| Complaints and grievances | faizan@insurancepoint.co.in |
| Phone and WhatsApp | +91 94497 21782 |
What we are authorised to do
We are authorised to solicit and procure insurance business, and to service the policies we place, within the scope of the licence category shown above. [COMPLIANCE TO CONFIRM AND EXPAND THIS PARAGRAPH TO MATCH THE EXACT LICENCE]
We do not underwrite risk, issue policies, or decide claims. Those are the insurer's functions. What we do is help you understand your options, place the cover with an insurer, service the policy through its life, and assist you if you need to claim.
Insurers we are authorised to place business with
[TO BE COMPLETED BEFORE PUBLICATION]
List here only the insurers with whom a current, valid appointment or arrangement exists. Include the insurer's full registered name and the product lines covered. Do not list insurers whose products are merely available in the market, and do not display insurer logos without written permission from that insurer.
Until this list is published, no statement on this website should be read as claiming an agency relationship with any particular insurer.
How we are remunerated
We are paid commission by the insurer when a policy is placed, at rates set within the limits prescribed by IRDAI regulations. This does not increase your premium — commission is paid out of the premium the insurer receives, not added to it.
[CONFIRM: whether any fee is ever charged directly to the client, and disclose it here if so]
Where we recommend one option over another, we will tell you why in terms of the cover, not the commission. If you want to know what we earn on a particular policy, ask us and we will tell you.
Partner and referral arrangements
Where we work with referral partners, those partners are compensated only in a manner permitted by the applicable IRDAI regulations for the licence category shown above. Partners do not solicit insurance on our behalf unless they hold the qualification required to do so. [COMPLIANCE TO CONFIRM THE PARTNER MODEL BEFORE THE PARTNER PORTAL LAUNCHES]
About the information on this website
- Product descriptions are general summaries. The insurer's policy wording is the contract, and it prevails over anything written here.
- Calculators produce indicative planning ranges, not quotations. See our terms of use for the assumptions behind each one.
- We publish no claim about being cheapest, fastest, largest, or ranked — and we will not, unless it can be independently evidenced.
- Premium, availability and terms are set by insurers and change without notice.
Prohibition on rebating
Section 41 of the Insurance Act, 1938 prohibits any person from offering, and any person from accepting, a rebate of premium or commission as an inducement to take out insurance. We do not offer rebates, and you should be cautious of anyone who does.
Data protection
How we handle your personal data, the legal basis for it, how long we keep it and your rights over it are set out in our privacy policy.
Complaints
Our grievance process, our response timelines, and how to escalate to the insurer, IRDAI and the Insurance Ombudsman are set out on our grievance redressal page.
Useful regulator links
- IRDAI — the insurance regulator
- Bima Bharosa — IRDAI's policyholder grievance portal
- Council for Insurance Ombudsmen — find your Ombudsman
- Verify an insurance agent — check any intermediary's status, including ours
Insurance is the subject matter of solicitation. Please read the policy wording, the prospectus and the Customer Information Sheet carefully before concluding a sale.