IRDAI's New Rule: Is Your Agent Hiding on Your Policy?
IRDAI now requires every insurance policy to carry the name and ID of the salesperson who sold it. This creates a paper trail so mis-selling can be traced back to a specific agent — and you can hold them accountable.
More policies are sold at the last minute before tax season than any other time — and mis-selling spikes exactly then.
What mis-sold policies often leave you with when you need them most
Key Takeaways
Check your existing and new policy documents for a named agent or distributor ID — if it's missing on a new policy, raise it with your insurer in writing immediately.
File future mis-selling complaints with the IRDAI Bima Bharosa portal (bimabharosa.irdai.gov.in) and include the tagged agent's name and ID as primary evidence.
Before buying any new policy, ask the agent to explain why this specific product suits your income, age, and goals — a mis-match in writing is your strongest protection.
IRDAI now requires every insurance policy to carry the name and ID of the salesperson who sold it. This creates a paper trail so mis-selling can be traced back to a specific agent — and you can hold them accountable.
Here's what happened: IRDAI has made it mandatory for all insurance policies to carry the name and unique ID of the salesperson who sold the policy, creating a permanent distribution trail.. The rule targets mis-selling — where agents push unsuitable products for higher commissions — by ensuring every sale is traceable to one accountable individual.. This accountability chain covers the full distribution network: individual agents, corporate agents, brokers, and online aggregators who facilitate policy sales..
What you should do: Check your existing and new policy documents for a named agent or distributor ID — if it's missing on a new policy, raise it with your insurer in writing immediately.. File future mis-selling complaints with the IRDAI Bima Bharosa portal (bimabharosa.irdai.gov.in) and include the tagged agent's name and ID as primary evidence.. Before buying any new policy, ask the agent to explain why this specific product suits your income, age, and goals — a mis-match in writing is your strongest protection..
If your claim is denied and you suspect mis-selling, quote the tagged salesperson's ID in your Insurance Ombudsman complaint — it shifts the burden of proof toward the insurer and agent, not you.
For complaints against banks or NBFCs, our RBI complaint guide explains the free RB-IOS 2026 route.
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- [1]“Irdai mandates tagging salesperson on insurance policy to curb mis-selling” mint - insurance · 30 Aug 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.
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