IRDAI registration, chosen by your role
Compare broker, corporate-agent, web-aggregator and other regulated paths before committing capital, people and technology.
- Professional fee
- Written quote
- Working timeline
- Confirmed after regulated-role and readiness assessment
- Government charges
- Shown before payment
Built for
Insurance distribution ventures
Best when
Activity and revenue model are clear
How will the business
participate in insurance?
The customer relationship, insurer relationship and digital journey determine the likely regulatory path.
Insurance broker
Arrange or advise within an approved direct, reinsurance or composite broking class.
Corporate agent
Represent insurers and distribute products within corporate-agent rules and tie-up limits.
Web aggregator
Operate a regulated online comparison and lead model with category-specific technology controls.
Another intermediary
Surveyor, TPA, marketing firm and other roles require their own applicability assessment.
IRDAI Intermediary
Right role. Right capital. Right controls.
There is no generic IRDAI licence.
Each category has separate entity, capital, people, infrastructure and conduct rules. Exact current thresholds are verified for the selected route.
What you receive,
ready to use.
We compare broker, corporate-agent, web-aggregator and other relevant regulated models before scoping entity, financial, people, systems and application readiness.
properly classified.BROKER · AGENT · WEB
Insurance activity and intermediary classification
Entity and financial eligibility map
Principal officer and staffing plan
Infrastructure and governance readiness review
Application and continuing-compliance roadmap
What must be
in place.
An eligible entity form under the regulation governing the selected intermediary category.
Promoters, directors, partners and key persons meeting fit-and-proper expectations.
Category-specific capital, net worth, deposit and insurance arrangements where applicable.
A qualified principal officer and required trained or certified staff.
Suitable office, governance, systems, cybersecurity and recordkeeping arrangements for the proposed model.
The principal officer, promoters and regulated staff must meet the applicable qualification, examination and fit-and-proper requirements.
Choose by market role—not licence familiarity
Independence, insurer representation and online comparison lead to different rules.
| Decision | Broker | Corporate agent | Web aggregator |
|---|---|---|---|
| Core role | Arrange or advise for clients | Represent insurer products | Compare and generate online leads |
| Key readiness | Class, capital, people and PI cover | Tie-ups, specified persons and controls | Website, security, capital and people |
| Main caution | Broking class limits scope | Insurer and product limits apply | Digital model is tightly prescribed |
From business model to
regulatory readiness.
The regulated activity is classified before an entity, funding or application plan is recommended.
Activity classification
Step 1
We handle
Map advice, solicitation, arrangement, insurer representation, comparison and digital lead activity.
You provide
Share the customer journey, revenue model, insurer relationships and channels.
Route comparison
Step 2
We handle
Compare broker, corporate agent, web aggregator and any genuinely relevant alternative.
You provide
Confirm product lines, geographic plan and whether independence or insurer representation is intended.
Readiness architecture
Category specific
We handle
Map entity, finance, people, office, systems and governance gaps.
You provide
Appoint accountable people and arrange capital, training and infrastructure.
Application and scrutiny
Regulator controlled
We handle
Prepare the selected application and coordinate factual responses and presentations.
You provide
Approve declarations, demonstrate readiness and supply regulator-requested evidence.
Operating framework
After registration
We handle
Map disclosures, records, reporting, renewal and conduct controls.
You provide
Operate only within the approved category and maintain continuing eligibility.
A checklist without
the back-and-forth.
We ask only for records or data relevant to your application, review, or audit scope.
- Constitution and ownership records
- Promoter, director or partner profiles
- Fit-and-proper declarations
- Business plan and group-company details
Before you begin
Use clear PDF, JPG, or PNG files.
Keep address records recent and readable.
Transparent fees,
before you commit.
Each registration carries its own government fee, and some are state-specific. We quote the exact combination for your business before any work begins.
Your written quote covers
- — Activity classification
- — Route comparison
- — Readiness architecture
- — Application and scrutiny
- — Operating framework
Not included automatically
- — IRDAI application, registration or renewal charges for the selected category
- — Capital, net-worth, statutory deposit or bank-guarantee requirements
- — Training, examination and certification costs
- — Professional indemnity, technology, cybersecurity, office and staffing costs
Costs that can repeat
- — Renewal under the applicable intermediary regulation
- — Net-worth, deposit and insurance maintenance
- — Periodic returns, audited records and regulator reporting
- — Training, conduct, grievance, cybersecurity and recordkeeping compliance
Registration granted,
conduct remains regulated.
Financial eligibility, staff credentials, disclosures, records, reporting, cybersecurity and renewal continue after approval.
Financial eligibility
Ongoing
Maintain the capital, net-worth, deposit and insurance position applicable to the category.
Regulatory returns
As prescribed
Intermediary categories have different periodic reporting and audited-record requirements.
People and conduct
Ongoing
Keep principal officer and regulated staff qualifications, training and fit-and-proper status current.
Renewal
Before registration expiry
Apply under the exact validity and timing rules governing the approved category.
Got questions?
We’ve got answers.
Get clarity on intermediary categories, capital planning, principal officers, training, technology, scrutiny and continuing compliance.
Still deciding?
AI CA can compare structures around cost, risk, compliance, and funding.