BimaShastra67 dispatches
Opinion
For Insurance Professionals · Published Daily
FeaturedUnderwriting
Selling rated-up policies without losing the client
When your client balks at a higher premium due to health issues, your framing decides whether the policy gets issued or the lead walks.
20 Oct 2026Read this piece →
From the archive66 more
UnderwritingDecoding the Underwriting Hold-Up19 Oct 2026→
Research Climate RiskClimate is now an actuarial problem for Indian insurers18 Oct 2026→
UnderwritingTobacco Declarations: The Underwriting Minefield17 Oct 2026→
Research Persistency IIndustry Persistency: The Real Health Check16 Oct 2026→
UnderwritingOccupation can kill your client's proposal15 Oct 2026→
Industry Ma ConsolidatOwnership shifts reveal the industry's next phase14 Oct 2026→
UnderwritingStop Surprising Clients With BMI Rejections13 Oct 2026→
UnderwritingHLV Math Trumps Client Wishes in Underwriting12 Oct 2026→
Global Comparison DistLessons from global distribution models11 Oct 2026→
UnderwritingHiding the past costs your client dearly10 Oct 2026→
Insurtech Ai UnderwritAI is rewriting Indian underwriting workflows9 Oct 2026→
UnderwritingPre-Application Disclosure: Avoiding Medical Rejections8 Oct 2026→
Insurtech Embedded InsEmbedded Insurance Is Redrawing India's Distribution Map7 Oct 2026→
ServicingServicing beats new business for life advisors6 Oct 2026→
ServicingRevival promises must be backed by underwriting reality5 Oct 2026→
Regulatory Composite LComposite licenses will reshape the Indian insurance map4 Oct 2026→
ServicingNomination traps that kill your clients' claims3 Oct 2026→
Regulatory Bima SugamBima Sugam: Mapping the unified insurance marketplace2 Oct 2026→
SalesAge is only half the underwriting story1 Oct 2026→
Market Protection GapIndia's protection gap is a math problem30 Sept 2026→
ProductsProtect first, earn later: The honest term pitch29 Sept 2026→
ComplianceWhen Good Advice Becomes a Regulatory Trap28 Sept 2026→
Market Health InflatioHealth premiums outpacing inflation demands a rethink27 Sept 2026→
ComplianceProposal Disclosure Is Your Shield Against Claim Rejections26 Sept 2026→
Insurtech ParametricParametric insurance is a real product shift25 Sept 2026→
UnderwritingPostponed vs rejected: your next client move24 Sept 2026→
Research Persistency IWhat IRDAI Persistency Reveals About India21 Sept 2026→
UnderwritingNavigating mental health disclosures in life underwriting21 Sept 2026→
Research Climate RiskClimate risk is now a pricing and design challenge21 Sept 2026→
UnderwritingAdvisors: Handle Extreme Hobbies in Underwriting21 Sept 2026→
Irdai CircularIRDAI: Policy Tagging and Sales Rules Update21 Sept 2026→
UnderwritingClosing the Smokers Loophole: Why Advisory Honesty Trumps Cheaper Term Premiums17 Sept 2026→
Global Comparison DistLearning from Global Distribution: India’s Next Insurance Frontier17 Sept 2026→
UnderwritingReferred Proposals: Your Next Client‑Handling Playbook17 Sept 2026→
Irdai CircularIRDAI: New Sales Rules17 Sept 2026→
UnderwritingSelling Rated‑Up Policies Without Losing the Client17 Sept 2026→
Industry Ma ConsolidatM&A Surge Signals Structural Shift in Indian Insurance17 Sept 2026→
UnderwritingFamily History: The Hidden Premium Hike17 Sept 2026→
UnderwritingHazardous Jobs, Hazardous Payouts: A Guide for Advisors11 Sept 2026→
Insurtech Ai UnderwritAI is Reshaping Indian Underwriting, Not Just Buzz11 Sept 2026→
Irdai CircularIRDAI: Policies Must Tag Authorised Seller From 20279 Sept 2026→
UnderwritingBMI and Life Insurance Underwriting: What Advisors Must Know9 Sept 2026→
Insurtech Embedded InsEmbedded Insurance Is Rewriting Indian Distribution Without Asking the Intermediary9 Sept 2026→
Regulatory Bima SugamBima Sugam: A Unified Marketplace on the Horizon7 Sept 2026→
UnderwritingSum Assured Caps: What Advisors Need to Know7 Sept 2026→
Regulatory Composite LComposite Licensing: A Structural Game Changer7 Sept 2026→
Irdai CircularIRDAI: New Insurance Sales Rules7 Sept 2026→
UnderwritingDisclosure Key to Claim Approval4 Sept 2026→
Market Protection GapDeconstructing India's Protection Gap: Why Volume Hides Our Real Underinsurance Crisis3 Sept 2026→
UnderwritingAvoiding Medical Rejections: What Advisors Need to Know1 Sept 2026→
Irdai CircularIRDAI: New Sales Rules and Cyber Security Guidelines31 Aug 2026→
UnderwritingWhy Medical Declines Happen and How to Prevent Them31 Aug 2026→
UnderwritingDisclosure Key to Claim Approval31 Aug 2026→
Irdai CircularIRDAI: New Sales Rules and Cyber Security Guidelines31 Aug 2026→
Irdai CircularIRDAI: New Sales Rules Effective January 202725 Aug 2026→
UnderwritingOccupation Risks in Life Insurance16 Aug 2026→
UnderwritingBMI Impact on Life Insurance14 Aug 2026→
UnderwritingDemystifying Financial Underwriting: How Advisors Can Navigate HLV and Income Multiples13 Aug 2026→
UnderwritingWhy Non-Disclosure Is the Biggest Risk to Your Clients Claim Payouts12 Aug 2026→
UnderwritingPre-Empting Medical Rejections: How Advisors Can Prevent Underwriting Surprises11 Aug 2026→
Market DataQ1 FY27 Life Insurance New Business: Ranking All 25 Insurers10 Aug 2026→
UnderwritingWhy Non-Disclosure Destroys Life Claims and How Advisors Fix It10 Aug 2026→
UnderwritingHow Advisors Can Prevent Surprise Medical Rejections and Heavy Premium Loadings9 Aug 2026→
ProductsRiders Worth Recommending5 Aug 2026→
ProductsPrioritizing Pure Protection4 Aug 2026→
SalesClaim Settlement Matters3 Aug 2026→
