Can We Simplify Insurance Without Simplifying It for the Seller?
- bhaktid11
- 1 day ago
- 3 min read
🎯 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?
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.
📊 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)
🧱 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.
🔍 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.”
🧾 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.
🔄 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.
🧠 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?”
🟣 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.
💬 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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