www.irda.gov.in : Insurance Regulatory and Development Authority Registration Form

[MariPriya]

Online filing of returns (Insurance Brokers)
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Website : http://www.irda.gov.in/Defaulthome.aspx?page=H1

Intermediaries Registration Form
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Intermediaries Details
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Note
** issue to the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel such registration;
** protection of the interests of the policy holders in matters concerning assigning of policy, nomination by policy holders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance;

Contact Us:
Insurance Regulatory and Development Authority
3rd Floor, Parisrama Bhavan, Basheer Bagh HYDERABAD 500 004
Andhra Pradesh (INDIA )

[Guest]

Whether one can switch the investment fund after taking a ULIP policy?

Yes. “SWITCH” option provides for shifting the investments in a policy from one fund to another provided the feature is available in the product. While a specified number of switches are generally effected free of cost, a fee is charged for switches made beyond the specified number.

[Guest]

Are Investment Returns Guaranteed in a ULIP?

Investment returns from ULIP may not be guaranteed.” In unit linked products/policies, the investment risk in investment portfolio is borne by the policy holder”. Depending upon the performance of the unit linked fund(s) chosen; the policy holder may achieve gains or losses on his/her investments. It should also be noted that the past returns of a fund are not necessarily indicative of the future performance of the fund.

[Guest]

Can a partial withdrawal be made?

Yes, Products may have the “Partial Withdrawal” option which facilitates withdrawal of a portion of the investment in the policy. This is done through cancellation of a part of units.

[Guest]

What information related to investments is provided by the Insurer to the policyholder?

The Insurers are obliged to send an annual report, covering the fund performance during previous financial year in relation to the economic scenario, market developments etc. which should include fund performance analysis, investment portfolio of the fund, investment strategies and risk control measures adopted.

In case, you need any clarification, you may address your query to the following e-mail id: premkunnel@irda.gov.in

[Guest]

Is it possible to invest additional contribution above the regular premium?

Yes, one can invest additional contribution over and above the regular premiums as per their choice subject to the feature being available in the product. This facility is known as “TOP UP” facility.

[Guest]

Can one seek refund of premiums if not satisfied with the policy, after purchasing it?

The policyholder can seek refund of premiums if he disagrees with the terms and conditions of the policy, within 15 days of receipt of the policy document (Free Look period). The policyholder shall be refunded the fund value including charges levied through cancellation of units subject to deduction of expenses towards medical examination, stamp duty and proportionate risk premium for the period of cover.

[Guest]

How much of the premium is used to purchase units?

The full amount of premium paid is not allocated to purchase units. Insurers allot units on the portion of the premium remaining after providing for various charges, fees and deductions. However the quantum of premium used to purchase units varies from product to product.

The total monetary value of the units allocated is invariably less than the amount of premium paid because the charges are first deducted from the premium collected and the remaining amount is used for allocating units.

[Guest]

What happens if payment of premiums is discontinued?

a) Discontinuance within three years of commencement – If all the premiums have not been paid for at least three consecutive years from inception, the insurance cover shall cease immediately. Insurers may give an opportunity for revival within the period allowed; if the policy is not revived within that period, surrender value shall be paid at the end of third policy anniversary or at the end of the period allowed for revival, whichever is later.

b) Discontinuance after three years of commencement -- At the end of the period allowed for revival, the contract shall be terminated by paying the surrender value. The insurer may offer to continue the insurance cover, if so opted for by the policy holder, levying appropriate charges until the fund value is not less than one full year’s premium. When the fund value reaches an amount equivalent to one full year’s premium, the contract shall be terminated by paying the fund value.

[Guest]

What is the difference between ULIP and mutual fund schemes?

[Guest]

Sirs

I was an official of General Insurance Industry for 42years (35 years in Public Sector and 7 years in Private Section.

I am a FELLOW of Insurance Institute of India, Mumbai

Please clarify whether I have to write Surveyor's Examination if I want to take Surveyor's License from IRDA

REGARDS

HARINATH BABU

[Guest]

Can i get model qestion paper irda exam 2013

[Guest]

Can i get model qestion paper for irda

[Unregistered]

New India Assurance Co.,Ltd., do not provide ECS facilities for the payment of mediclaim premium,will IRDA look in to this matter & ensures that they provide this facilities to the medicalim policy holder
regards
B.Dave

[Unregistered]

is lic withdrawal all traditional on 30/09/2013?

[Unregistered]

meaning of consequential loss
If car meet with accident and in which chamber of car broken and all oil come out side. the car driver took car on side of road while taking car on side of road other parts of engine was damaged. whether it is consequential loss. insurance company liable to pay cost of repair

[Unregistered]

shri chand jain
i took a pension plan of HDFC life in september 2012 , they told me that i will recieve the amount in october . but i have not recieved any information or amount redarding the same . The policy was given to me by ABHISHEK RANA , Ph no: 08595008151 . His phone is continosly shut down .
shri chand jain

[Unregistered]

i have passed the insurance agents exam conducted on 03.04.2013 & want to get the score card. my roll no. is 190313000010. pl guide me.

[Unregistered]

I would like to know this financial i.e 2013-204 are there any relaxations in marks for passing'
the agentsexaminaton(life)

ch.phani bhushan