The amendments released by India's IRDAI shifts the country toward a continuous registration and compliance model, while strengthening governance, transparency, accountability and regulatory oversight across the insurance distribution sector.

On 23 December 2025, the Agency for Regulation and Development of the Financial Market adopted Resolution No. 82, introducing a key provision that requires that insurance brokers disclose their minimum and maximum commission ranges, as well as any affiliated or formal relationships with (re)insurers. The disclosure requirements entered into force on 1 February 2026, formalizing enhanced transparency standards within the insurance distribution process.

After several years of sustained rate increases and tightening underwriting conditions, the commercial insurance market is demonstrably shifting. Multiple global indices now confirm that pricing has stabilized - and in come cases have even declined - marking a clear transition from the hard market conditions of 2020–2023.