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What insurance agents in India should know before going online
Insurance agents in India work under IRDAI regulations and are appointed by an insurer, which issues your licence or agent code. IRDAI rules on insurance advertisements generally treat material an agent publishes as an advertisement, and insurers usually expect to approve it first, so check with your insurer or branch before your site goes live. Never state or imply guaranteed claim settlement or guaranteed returns on ULIPs, endowment or pension plans, and avoid quoting illustrations as promises. Many families first hear of an agent through relatives, then search the name on Google or ask for a WhatsApp link to check. Offering your pages in Hindi or the regional language your clients speak, alongside English, makes older policyholders more comfortable.
Common website mistakes insurance agents make
- Headlines like “100% claim settlement” or “best returns guaranteed”. Replace them with a clear description of how you support the claim process and explain what affects returns.
- Hiding the agent code and insurer name out of caution. Show them clearly, because a prospect who cannot verify you will simply ask someone else.
- Copying product brochures and premium tables. Premiums depend on age, health and cover, so explain concepts like waiting periods and invite a personalised quote instead.
- Using insurer logos, taglines or colours as if the site belonged to the company. Present it as your personal advisor page and use branding only as your insurer allows.
- No mention of after-sale service. Add a short section on renewals, nominee changes and claim paperwork, which is where most families judge an agent.