AB & Associates is India's premier regulatory consulting firm providing end-to-end statutory advisory for Insurance Intermediaries. Formed through a strategic collaboration of BR & Associates and Arrow Exim Consultants, our firm combines deep regulatory acumen with proven execution under the Insurance Regulatory and Development Authority of India (IRDAI).
Compliance across 2018 Brokers, 2015 Corporate Agent & 2017 Web Aggregator acts.
Promoter qualification, net worth certifications, and background due diligence checks.
End-to-end documentation, 3-year business plans & seamless online portal filing.
Annual compliance filings, share transfer approvals, and Principal Officer training.
A battle-tested statutory framework engineered to eliminate licensing rejections and accelerate IRDAI regulatory clearance.
Spearheaded by an elite council of Company Secretaries, Chartered Accountants, Advocates, and Retired IRDAI Regulatory Officers.
Rigorous pre-submission vetting of net worth certificates, shareholding structures, promoter backgrounds, and Principal Officer criteria.
From drafting comprehensive 3-year business plans to direct IRDAI BAP portal uploads, fee calculations, and annexure management.
Active representation, resolution of complex statutory queries, and comprehensive defense before IRDAI committees and authorities.
We provide specialized consulting across all 6 statutory intermediary licensing categories governed by the Insurance Regulatory and Development Authority of India.
Full registration and compliance support for Direct Brokers (Life / General), Reinsurance Brokers, and Composite Brokers under IRDAI (Insurance Brokers) Regulations, 2018.
Advisory and licensing support for corporate entities to solicit insurance products. Tie up with up to 9 Life, 9 General, and 9 Health insurers under Corporate Agent Regulations 2015.
Registration for digital aggregators operating comparison platforms, product lead generation portals, and telemarketing engines under IRDAI Web Aggregator Regulations 2017.
Territory-based intermediary setup permitting retail insurance solicitation along with mutual funds, pension products, and banking services within designated revenue districts.
Licensing and regulatory advisory for professional loss assessors and corporate surveying firms evaluating general insurance claims across fire, marine, motor, and engineering.
Licensing advisory for specialized entities servicing health insurance claims, managing hospital cashless networks, and maintaining high-volume data confidentiality.
Compare minimum statutory capital, scope of operations, and permissible insurer affiliations across popular intermediary registrations.
| Category | Applicable Regulation | Min. Capital / Net Worth | Insurer Affiliations | Operational Scope |
|---|---|---|---|---|
| Insurance Broker (Direct) | IRDAI Regulations, 2018 | ₹75 Lakh | All Registered Insurers | Advises clients, solicits all types of policies across entire market |
| Reinsurance / Composite Broker | IRDAI Regulations, 2018 | ₹4 Cr / ₹5 Cr | Global & Indian Reinsurers | Treaty placements, facultative reinsurance, composite brokering |
| Corporate Agent | IRDAI Regulations, 2015 | ₹50 Lakh | Max 9 Life + 9 Gen + 9 Health | Acts on behalf of appointed insurers via corporate distribution network |
| Web Aggregator | IRDAI Regulations, 2017 | ₹25 Lakh Net Worth | Multiple via Portal | Online comparison, digital policy aggregation, certified algorithms |
| Insurance Marketing Firm | IMF Regulations, 2015 | ₹10 Lakh Net Worth | Max 2 Life + 2 Gen + 2 Health | Territorial reach, insurance products + mutual funds + banking services |
| Third Party Administrator (TPA) | TPA Regulations, 2016 | ₹4 Crore Equity | Contractual Insurers | Health claim adjudication, hospital empanelment, cashless processing |
Our systematic methodology ensures flawless statutory compliance, mitigating rejection risk at every milestone.
In-depth assessment of corporate entity, Memorandum of Association (MoA) object clause, net worth CA certificate, and Fit & Proper vetting of promoters.
Drafting of comprehensive 3-Year business plans, financial projections, IT infrastructure security policies, internal audit controls, and Principal Officer appointment.
Preparation and digital submission of statutory Form A via the IRDAI Business Analytics Project (BAP) portal along with prescribed non-refundable statutory fees.
Prompt resolution of regulatory clarifications, liaison with designated IRDAI scrutiny officers, and comprehensive mock preparation for the Principal Officer interview.
Fulfillment of in-principle conditions, submission of statutory bank guarantee / professional indemnity insurance, and issuance of Certificate of Registration.
Our mission is to empower businesses and professionals to successfully enter and operate in India's insurance sector by delivering expert advisory, strategic compliance management, and end-to-end regulatory support.
Spearheaded by experienced Company Secretaries, Chartered Accountants, Advocates, and Retired IRDAI Officers delivering authoritative regulatory clarity.
Accurate pre-submission screening, zero-defect documentation, and expedited approvals strictly in line with IRDAI's regulatory framework.
Upholding the highest benchmarks of professional ethics, client discretion, and long-term compliance governance across all intermediary engagements.
At AB & Associates, we combine regulatory expertise, industry insight, and professional integrity to deliver comprehensive and dependable solutions for Insurance Intermediary Registration and Compliance Management.
Our approach is built on precision, transparency, and client trust—”values that have guided our parent firms, BR & Associates and Arrow Exim, through years of successful consulting engagements across multiple regulatory domains.
Promoter vetting & CA-certified capital audit
3-Year business plans & digital BAP upload
Liaison with scrutiny officers & PO mock
Annual compliance audits & renewals
End-to-end statutory documentation, capital structuring, Fit & Proper vetting, and BAP portal representation across India's premier insurance intermediary classifications.
₹75L - ₹5 Cr Net Worth
Form A Filing
Full statutory MoA drafting, Fit & Proper vetting of promoters, BAP portal upload, and personal defense before the IRDAI scrutiny committee.
₹15 Lakhs Net Worth
Corporate
Advisory for Banks, NBFCs, and corporate entities. Institutional compliance architecture, insurer tie-up agreements, and PO certification.
₹25 Lakhs Net Worth
InsurTech
Turnkey regulatory guidance for InsurTech comparison platforms. ISNP portal compliance, algorithm transparency, and cyber security audits.
₹5L - ₹10L Net Worth
Distribution
Statutory establishment of Insurance Marketing Firms (IMF) & Surveyors. District area feasibility, ISP accreditation, and net worth vetting.
“AB & Associates handled our IRDAI registration smoothly with clear communication, timely updates, and complete professionalism throughout the entire process.”
“Their expertise in IRDAI compliance saved us time and confusion. The team guided us step by step with impressive accuracy and patience.”
“We received our approval faster than expected thanks to their strong regulatory knowledge, documentation support, and consistent follow-ups.”
“Their team simplified complicated requirements and ensured our documents were perfect. Excellent coordination and highly reliable service.”
“AB & Associates provided structured guidance, timely responses, and exceptional clarity. They made a challenging process easy and stress-free.”
“From documentation to final submission, their support was outstanding. Their professionalism helped us complete everything without delays.”
“Highly committed team with deep industry understanding. They ensured every compliance requirement was met correctly the first time.”
“Their practical advice, accuracy, and transparent communication made the entire approval journey smooth and efficient for our team.”
“We appreciated their quick responses, clear explanations, and strong follow-up, which helped us meet regulatory timelines comfortably.”
“Their consultants were always available to clarify doubts and guide us patiently. Truly dependable and knowledgeable professionals.”
“End-to-end support was excellent. They handled complex paperwork with ease and kept us updated at every step.”
“They turned a complicated approval process into a smooth experience with their expertise, detailed documentation checks, and consistent coordination.”
Your business model, financial data, and equity details are protected under standard non-disclosure.
Consultations are led directly by qualified CS, CA, and Ex-IRDAI regulatory advisors.
Receive an initial eligibility check and capital roadmap within 24 business hours.
An Insurance Broker registered under the IRDAI Regulations is initially granted registration.
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Expert video guides on IRDAI Licensing, Compliance & Regulatory Advisory.
Comprehensive overview of end-to-end statutory advisory and compliance solutions for Insurance Intermediaries in India under IRDAI regulations.
Essential guide breaking down statutory eligibility, net worth criteria, principal officer qualification, and step-by-step licensing process.
