insurance agent ki commission kam ho jayegi?
Insurance industry me kaam kar rahe agents ke beech ek sawal kaafi charcha me hai
“kya insurance agent ki commission kam ho jayegi?”
Is article me hum aasan bhasha me samjhenge ki abhi ki reality kya hai, future me kya changes aa sakte hain, aur agents ko kya strategy rakhni chahiye.
🔍 Abhi Ki Reality Kya Hai?
Abhi tak IRDAI (Insurance Regulatory and Development Authority of India) ki taraf se aisa koi official notification nahi aaya jisme insurance agents ki commission turant kam kar di gayi ho.
LIC aur private insurance companies dono approved commission structure follow kar rahi hain
Existing agents ko panic hone ki zarurat nahi hai
Jo policies chal rahi hain, unki commission safe hai
🤔 Phir Commission Kam Hone Ki Baat Kyon Ho Rahi Hai?
Iske peeche kuch bade reasons hain:
1️⃣ Digital Insurance ka badhta trend
Aaj kal customers online term plans aur basic policies khud kharid rahe hain. Isse simple products me agent commission par pressure aa sakta hai.
2️⃣ Insurance companies ka cost control
Companies apne kharche kam karna chahti hain, isliye commission structure ko time-time par review kiya jata hai.
3️⃣ Quality-based model ki soch
Future me commission ko service quality, persistency aur customer satisfaction se joda ja sakta hai.
🧠 Kya Agent System Khatam Ho Sakta Hai?
Nahi. Bilkul nahi.
India jaise desh me insurance sirf product nahi, trust ka business hai.
Pension plans
ULIP
Endowment plans
Claim settlement support
In sab me agent ka role bahut important hai. Technology help kar sakti hai, lekin agent ko replace nahi kar sakti.
🚀 Agents Ke Liye Smart Strategy
Agar aap insurance agent hain, to future secure rakhne ke liye:
✔ Sirf commission nahi, service pe focus karein
✔ Renewal aur claim support ko priority dein
✔ Health insurance, pension aur riders add karein
✔ Digital tools use karein, par personal relation strong rakhein
✅ Conclusion
👉 Abhi insurance agent ki commission kam nahi ho rahi
👉 Future me structure change ho sakta hai
👉 Jo agent service aur trust pe kaam karega, woh hamesha grow karega
Insurance agent ka future khatam nahi ho raha, balki evolve ho raha hai.
