Your Agent Is Gone — But Your Insurance Is Still Safe
You may have bought your policy through someone you trust — an agent who guided you through every step. But what happens if that person suddenly quits the business, retires, or sadly passes away?
Do your benefits disappear? Does your claim process get affected?
Not at all.
Let’s clear up the confusion — and give you peace of mind.
First Things First: Your Policy Is Still Valid
No matter what happens to your insurance agent, your policy remains safe and fully active.
- Your relationship is with the insurance company, not the agent
- The contract is legally binding — and must be honoured
- The insurer is still responsible for claims, servicing, and all benefits
- The IRDAI (India’s insurance regulator) ensures strict rules around continuity
So, even if the person who sold you the policy is no longer around, your life cover or health cover remains fully intact — as long as you continue paying premiums on time.
Who Manages Your Policy Now?
When an agent leaves the system, your policy doesn’t get ignored. It usually gets assigned to a new servicing point automatically.
Depending on how you bought the policy, your policy may now be handled by:
- Another agent or advisor within the same insurance company
- A POSP (Point of Sale Person) or digital advisor (for online policies)
- The insurer’s branch office or customer service team
💡 You can even request a new servicing agent if you prefer human interaction.
How to Check Your New Point of Contact
Want to know who’s handling your policy now? It’s easy.
Just follow these steps:
- Visit the insurer’s official website
- Log in to your customer portal or mobile app
- Look for a tab like “My Advisor” or “Servicing Agent”
- Still unsure? Call the customer care number and provide your policy number
- You can also write to the insurer’s email support and ask for re-assignment
📌 Tip: If you bought the policy via a bank or online platform, servicing might be handled by the partner’s support team or a digital desk.
What About Claims — Do You Need an Agent?
Nope. The claim process is independent of the agent.
In fact, most insurers today encourage digital or branch-based claims to make it faster and easier.
Here’s how you (or your nominee) can file a claim:
- Submit online via the insurer’s claim portal
- Visit the nearest branch and hand over documents
- Call the company’s claim support team for guided assistance
Many insurers also offer claim assistance desks or “Express Claim” services — especially for term life or group plans.
💡 Your agent may help during the claim — but they’re not required for processing.
Pro Tips for Policyholders
To make sure you’re never dependent on one person, follow these steps:
- Register your email and mobile number with the insurer directly
- Keep a soft copy of your policy document and payment receipts
- Save the customer care number of the insurer
- Inform your nominee or family about the policy and claim process
- Update nominations or address changes directly with the insurer
This keeps your policy future-proof — no matter who sold it to you.
Final Word
Insurance is a promise made by the company — not just the agent.
So even if your agent quits, retires, or passes away, your plan continues exactly as promised.
Your premiums, benefits, and claims — all remain protected.
And with IRDAI’s strict servicing rules, insurers must help you every step of the way.
So relax. Your agent may be gone — but your policy is still rock solid.
