2026 is starting in just a few days. For most Indian insurance agents, this moment feels familiar —new customers, new hopes, new pressure. But this year needs a different approach.

Most agents stop at Mediclaim or LIC, but the real growth lies beyond. This guide explores how Indian insurance agents can break into high-value commercial segments like Cyber, Property, and D&O insurance—areas with higher commissions, less competition, and stronger client relationships. Backed by real examples and simplified language, this is your step-by-step roadmap to becoming a trusted risk advisor for SMEs.