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Cap or stagger distributor payouts: Life Council panel
Business Standard
|January 08, 2026
RBI’s recent stability report had flagged high expense structure
The committee formed under the Life Insurance Council to review the commission structure in the life insurance sector has recommended capping distributor commissions or deferring them to ease acquisition costs.
The recommendations will be sent to the insurance regulator — Insurance Regulatory and Development Authority of India (Irdai).
The sector has recently come under scrutiny for its high acquisition costs driven by elevated distributor payouts.
Currently, under the expense of management (EoM) guidelines, life insurers must operate within an overall EoM limit rather than product-specific caps. The limit is prescribed as a percentage of premiums, with different thresholds for first-year and renewal premiums, and varies depending on the insurer’s size and stage of operations. As a result, life insurers are free to set product-wise commissions as long as they remain within the overall EoM limits.
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