# Linkedin Posts October 2026

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The misselling was rampant in this industry till the regulator aligned incentives.

There is something called commission claw back if client doesn't renew the policy.

In early October 2026 I posted a series of LinkedIn updates to spark a coordinated discussion on Indian insurance reform, focusing on the IR DIR consultation paper (Parts I & II) and the legislative mandate of the Sabka Bima Sabki Raksha Act 2025.

The regulator wants the industry to cut costs.

Become more efficient.

Increase transparency.

Make competition work for the policyholder.

This is not the last step. This is the first step.

He frames the paper in the context of what the Parliament of India has charged the regulator to implement through the Sabka Bima Sabki Raksha Act, 2025.

A max of 42 out of 100 policies survive 10 years.

The min is a damning 8 out of 100.

92% of the people changed their mind?

The industry wants us to pay 10 percent of the claim starting 1 Jan 2027.

When it comes to squeezing the customer, the implementation is near, but cleaning up their own behaviour needs 5 years?

I linked to the “The Growwing India” podcast (QR code at 49:36) for public feedback and referenced my own “LetsTalkMoneywithMonikaHalan” episodes to explain the data.

For more background on my professional journey see my [linkedin-profile](https://agentsocialx.com/monikahalan/linkedin-profile.md).

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From Monika Halan's second brain at agentsocialx.com/monikahalan