Can We Simplify Insurance Without Simplifying It for the Seller?

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🎯 Let’s Talk About the Other Side of “Simplification”

Every year, IRDAI releases new guidelines urging insurers to “simplify insurance” for policyholders.

You hear the buzzwords:

• Customer-first.

• Clear policy wordings.

• No hidden clauses.

• Standardized exclusions.

And that’s great.But here’s the part no one talks about:

🧨 Who is simplifying insurance for the seller?

For the person on the field trying to explain this “simplified” policy in a WhatsApp pitch? For the POSP agent selling 4 product lines with no product explainer? For the broker trying to pitch D&O to an SME with nothing but a datasheet?

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Insurance Seller confidently explaining the Product to the client

What Simplification Looks Like Today

Let’s take an example.

🧾 The Policy

“No Room Rent Capping. No Sub-Limits. 100% Reinstatement. No Co-Pay.”

👂 What the Client Hears

“Sounds great. Can you explain what all that means?”

😐 What the Agent Thinks

“I need to check the brochure again.”

That’s the gap.

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📊 The Reality on the Ground

🤯 88% of agents say insurance products are still “difficult to explain”

(Internal survey: Agent Saathi, 2024)

📉 Less than 30% of POSP sellers have access to product-specific training

(IRDAI intermediary consultations, 2023)

📩 9 out of 10 health insurance pitches still rely on PDF brochures sent over WhatsApp

(Field interviews: April–May 2024)

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🧱 Simplification = Shift of Complexity

Let’s be honest—simplification for the customer often just means shifting the complexity to the agent:

For the Customer	For the Agent
Shorter policy summary	Longer FAQs to address gaps
Standardized product	More market comparison burden
No jargons in brochure	More pressure to explain risks in their words
Digital journey	Less personal control over the sale

Result? The agent is still figuring things out.Still pitching with half-explained coverage and no visual clarity.

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🔍 What Does “Simplifying for the Seller” Actually Mean?

It means:

💬 Scripts that work on WhatsApp

Not clause-based blurbs. Just one-liners that click with the client.

“Think of this like a health passbook. The insurer pays the hospital, not you.”

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🧾 Product Explainers in Local Language

English isn’t enough. Not for Cyber. Not for Fire. Not even for Health.Agents should have slides, voice notes, or one-pagers in Hindi, Gujarati, Marathi—whatever helps close the gap.

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🔄 Daily Updates, Not Monthly Decks

If a regulation changes, agents should know by 10 AM.Not in next month’s branch meeting.Not after a client finds out on Twitter.

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🧠 Prepped Objection Responses

Because when a client says:

“I already have insurance”...the worst reply is “Okay sir, let me know.”

The best one is:

“Perfect. Most people don’t review their cover after year 2. Want me to take a look for free?”

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🟣 How Agent Saathi Is Simplifying It for the Seller

We asked one question while building Saathi:

“How do we make insurance easier to sell?”

And the answer was not:

• Training videos

• Product specs

• IRDAI circulars

It was:

✅ Pitch tools in English, Hindi, Gujarati

✅ Ready-to-send visuals + client story slides

✅ Objection handlers built into product flows

✅ WhatsApp-first content — not PDF dumps

✅ Updates in simple, scannable bullets

This isn’t simplification for compliance. It’s simplification for conversion.

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💬 Final Thoughts

If we want to fix insurance adoption in India, we need to stop simplifying it just for the customer.

We need to simplify it for the 1.5 million+ people who sell it every single day.

Because insurance doesn’t get sold through branding. It gets sold through conversation.

And unless we support the seller with clarity, language, and real-time tools—all we’re doing is shifting the problem, not solving it.

🎉 Agent Saathi is built to fix the execution layer—where insurance actually becomes real.

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