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Term life covers set to become pricier in FY22

Synopsis At least five private insurers – Tata AIA, Aegon Life, Max Life, PNB Metlife and IndiaFirst Life – have already filed for new term products with the insurance regulator at increased prices for the new fiscal year. Other life insurers may soon follow. Getty Images Increased comorbidity risks due to the pandemic and the adverse loss experiences of global reinsurers are set to weigh on how life covers are priced. Insuring life is set to get more expensive and harder in the fiscal year starting April. Increased comorbidity risks due to the pandemic and the adverse loss experiences of global reinsurers are set to weigh on how life covers are priced.

Insurers may soon be able to launch covers without regulator nod

Irdai wants to move to a ‘use and file’ system where insurers can market products without first obtaining an approval from the regulator, said Chairman Subhash Chandra Khuntia. This is in contrast to the current ‘file and use’ system where if an insurer wishes to introduce a new product, it has to file an application with the Insurance Regulatory and Development Authority of India (Irdai) and can sell the product only after getting all the regulatory approvals. “We have already started this in some of the segments and we would like to go further. Unfortunately, this experiment which we tried sometime back, we found that some of the ‘use and file’ products did not live up to the regulatory requirement,” he said at the Virtual Actuarial Conclave 2021.

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