You may have bought your insurance policy from someone you trust — an agent who guided you through every step.
But what happens if that person quits the business, retires, or sadly passes away?
Do your benefits disappear? Will your claims get stuck?
The answer: No
Your Agent May Be Gone — But Your Insurance Is Still Safe
Your insurance policy is protected by law and continues as promised.
First Things First — Your Policy Is Still Valid
No matter what happens to your agent, your life insurance or health insurance policy remains safe.
Here’s why:
- Your contract is with the insurance company, not the individual agent.
- It’s a legally binding agreement — the insurer must honour it.
- IRDAI rules (India’s insurance regulator) ensure policies are not affected if an agent leaves.
In short: As long as you keep paying your premiums on time, your policy stays active.
Who Handles Your Policy Now?
If your agent leaves, the insurance company automatically reassigns your policy to another servicing point, such as:
- Another agent or advisor in the same company
- A POSP (Point of Sale Person) or digital advisor (if purchased online)
- The insurer’s branch office or customer service team
Tip: You can request a new servicing agent if you want personal assistance.
How to Check Your New Point of Contact
To find out who now handles your policy:
- Visit your insurer’s official website.
- Log into your customer portal or mobile app.
- Look for “My Advisor” or “Servicing Agent.”
- Call the insurer’s customer care and share your policy number.
- Email the insurer requesting reassignment details.
Note: If you purchased via a bank or online platform, the support team or digital helpdesk will now handle your policy.
What About Claims — Do You Need an Agent?
The claim process works independently of the agent.
In fact, most insurers now encourage direct claims to make it faster.
Ways to file a claim:
- Submit online via the insurer’s claim portal.
- Visit the nearest branch office.
- Call the company’s claims support team.
Many insurers also offer “Express Claim” desks for quick settlement.
Your agent can assist — but they’re not required for claim approval.
Pro Tips to Future-Proof Your Policy
To ensure you’re never dependent on just one person:
- Register your email & mobile number with the insurer directly.
- Keep soft copies of your policy and payment receipts.
- Save the customer care number of your insurer.
- Inform your nominee/family about the policy and claims process.
- Update nominee and address details directly with the insurer.
Final Word
Insurance is a promise made by the company, not just the agent.
Even if your agent quits, retires, or passes away, your policy, benefits, and claims stay intact.
With IRDAI’s strict servicing rules, insurers must continue assisting you — so you can rest easy knowing your coverage is rock solid.
Share this with friends & family so they never worry about losing insurance benefits if their agent leaves.
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