Insurance Disclaimer

1. Scope of Insurance Parivaar Facilitation

Insurance Parivaar (tagline "Suraksha Aur Saath", website: https://myinsuranceparivaar.com) operates as an insurance guidance and agent-support brand.

Insurance Parivaar is not an insurance company and does not underwrite insurance risk, issue insurance policies, or adjudicate claim settlements. Our role is strictly limited to helping customers understand available policy categories and helping aspiring or existing insurance agents navigate onboarding, training, and appointment procedures with authorized insurers or intermediaries.

2. No Guarantee of Acceptance or Claims

Submission of an enquiry or proposal through this platform does not constitute policy issuance. Policy issuance is subject to the sole underwriting discretion, health declarations, inspection, and risk assessment of the respective insurer. Similarly, claim settlement decisions depend strictly on the policy terms, waiting periods, sublimits, and claim admissibility assessed by the insurer.

3. Commission & Fee Transparency for Insurance Agents

• ₹0 Joining Fee Charged by Insurance Parivaar: Insurance Parivaar does not charge agents any registration or joining fee for guidance and support.
• 0% Commission Share Taken by Insurance Parivaar: Insurance Parivaar does not take any share of the commissions paid to the agent.
• Separate Third-Party & Statutory Charges: Any applicable insurer appointment fees, statutory examination fees (e.g., IC-38), training fees, or third-party charges are determined by the appointing insurer or statutory bodies and will be disclosed separately.
• Commission & Renewal Remuneration: Commission amounts, renewal eligibility, payment cycles, and persistency requirements are governed by the relevant insurer or intermediary agreement and current regulations. Income is commission-based and is not guaranteed.

4. IC-38 and Licensing Requirements

IC-38 is associated with insurance-agent training and examination requirements in relevant regulatory contexts. Specific requirements, exemptions, and syllabi depend on the appointment category, intermediary route, and current regulatory directives. The onboarding team will confirm the exact requirements with the relevant insurer before you proceed.

5. Official Contact Channels

For any statutory inquiries, clarifications, or support: