A digital visiting card for insurance agents, under IRDAI's 2024 rules
You sell a promise, so what your card says is looked at more closely than most. IRDAI's current rules give you one clear step to follow before you share a profile.
Yes, an insurance agent can use a digital visiting card. IRDAI's 2024 regulations say an agent's advertisement must be approved by the insurer in writing before it is issued. Get that approval first, keep every claim honest, name the insurer clearly, and link to the insurer's own product pages.
Sources: Insurance Regulatory and Development Authority of India
- Office address and map pinLow risk
- Link to the insurer’s product pageDo this
- Ask me about cover - enquiry formLow risk
- Book a free policy-review callLow risk
- Insurer name and logoApproval
Six rules from IRDAI's 2024 regulations that a profile has to meet
The rules come from the IRDAI (Protection of Policyholder's Interests, Operations and Allied Matters of Insurers) Regulations, 2024. They speak of "insurers" and "distribution channels", and a distribution channel includes insurance agents. LIC is an insurer like any other, so they cover an LIC agent too. The numbers below are the regulation numbers.
What counts as an advertisement
A communication to the public, in any mode or medium, meant to influence people towards buying insurance. A profile you hand to prospects fits that description once it talks about cover.
The insurer approves it in writing first
An advertisement issued by an agent needs the insurer’s written approval before it goes out. Most guides online still skip this step.
Say that you sell the insurer’s products
An agent may advertise only as soliciting products that insurers offer. Nothing on the page should suggest that you are the one offering the policy.
No misleading claims
Seven things are named. Nothing may make the benefits hard to see, hide the terms, promise more than the policy can deliver, play down the risks, leave out exclusions, use unreadable text, or use false facts and figures.
Social pages follow the same rules
Content that an insurer or an agent posts on their social media page must meet the same rules. If your profile links to a page you run, treat that page as covered too.
Link to the insurer’s own site
An agent who keeps a website must put a prominent link to the insurer’s website, where its products on offer are shown. A profile is a natural home for that link.
One more thing to know. The regulations also let IRDAI issue circulars and guidelines on top of what is written in them (regulation 56). Your insurer will know which ones apply to agents today, so ask it, and do not treat this page as the last word.
The 2021 rules are gone, and so is their exception
If you read an older guide, it probably describes the 2021 rules. IRDAI replaced them, and one thing that used to help agents is not in the new text.
- 12 April 2021
Insurance Advertisements and Disclosure Regulations
The 2021 regulations also asked the insurer to approve an agent's advertisements in writing. But they made an exception for generic advertisements limited to basic details such as the agent's name, logo, address and phone number.
- 22 March 2024
New regulations published
IRDAI published its Protection of Policyholder's Interests regulations in the Gazette of India. They folded eight older sets of rules into one, including the 2021 advertisement rules.
- 1 April 2024
In force, and the 2021 rules repealed
Regulation 58 repeals the 2021 regulations from the day the new ones start. Regulation 28 now says every agent advertisement needs the insurer's written approval, and it states no exception for basic details.
What this means for you: a profile with only your name, photo and number is very unlikely to be a problem, because it does not try to sell anything. But do not rely on the old exception, and do not assume a profile is exempt because it looks plain. Showing the insurer the whole page once costs you one email.
Can this go on my profile? Pick a line
Each answer is taken from the 2024 regulations and points at the regulation behind it. The table lists 15 items: 3 marked "Low risk", 7 marked "Get written approval" and 5 marked "Leave off".
The rule behind this answer: Regulation 28.
| Item | Verdict | Why | Rule |
|---|---|---|---|
| Your name, photo, phone number and office address | VerdictLow risk | WhyThese identify you and do not try to persuade anyone to buy, so they are unlikely to count as an advertisement on their own. The profile is judged as one page, though, so still show the insurer the whole thing. | RuleRegulation 26(2) |
| A call button, a WhatsApp button or an enquiry form | VerdictLow risk | WhyThey are ways to reach you, not claims about a product. A client who contacts you first is the best way to start a conversation about cover. | Rule- |
| A link to the insurer’s website, where its products are shown | VerdictLow risk | WhyThis one is asked of you. If you keep a website, link prominently to the insurer’s site. Put it on the profile as your website link. | RuleRegulation 8(2) |
| The name or logo of the insurer you represent | VerdictGet written approval | WhyNaming an insurer ties the page to its products, and only the insurer can say how its name and logo may be used. Ask in writing. | RuleRegulation 28 |
| The kinds of cover you sell, such as term, health or motor | VerdictGet written approval | WhyThis is where the page starts to promote insurance, so it is an advertisement. Get the wording approved before you share it. | RuleRegulations 26(10) and 28 |
| Benefits, premiums or returns of a named plan | VerdictGet written approval | WhyUse the insurer’s approved wording and figures, with the risks and exclusions beside them. Do not retype numbers from memory. | RuleRegulations 27(4) and 28 |
| An insurer’s figures, such as its claim settlement ratio | VerdictGet written approval | WhyA real figure is allowed with approval. Say which year it is for and where it comes from, because a figure with no date reads as a false one. | RuleRegulations 27(4)(g) and 28 |
| A policy brochure or premium calculator | VerdictGet written approval | WhyLink to the insurer’s own file or tool, unchanged. That way the numbers are the insurer’s, not your copy of them. | RuleRegulations 27(4)(g) and 28 |
| Client reviews or a Google review button | VerdictGet written approval | WhyThe regulations do not name reviews. A review that praises a policy still promotes it, so show it to the insurer first. | RuleRegulation 28 |
| Links to your social media pages | VerdictGet written approval | WhyAnything an agent posts on a social page falls under the same rules. Link only pages you would show the insurer. | RuleRegulation 27(6) |
| Words like "guaranteed returns" or "no risk" | VerdictLeave off | WhyPromising more than a policy can deliver, or hiding the risks, is named as misleading. No approval fixes that. | RuleRegulation 27(4)(c) and (d) |
| A benefit shown with no exclusions or conditions | VerdictLeave off | WhyLeaving out or under-stating exclusions and conditions is named as misleading. Show them next to the benefit or leave the benefit off. | RuleRegulation 27(4)(e) |
| Terms in text too small to read | VerdictLeave off | WhyIllegible text, including from a small font size, is named as misleading. On a phone screen this happens easily, so check every line at real size. | RuleRegulation 27(4)(f) |
| Figures, awards or features you cannot prove | VerdictLeave off | WhyFalse or made-up facts, figures and features are named as misleading. If you cannot show where a number comes from, it does not go on the page. | RuleRegulation 27(4)(g) |
| Wording that makes it look like you issue the policy | VerdictLeave off | WhyAn agent must advertise as soliciting the insurer’s products and must not give the impression that they are offered by the agent directly. | RuleRegulation 27(3) |
Start with a contact-first profile, then add what the insurer approves
The left profile is almost all contact details, so it is quick to get through review and you can start handing it out. The right one is what many agents build on day one, and every line on it is a conversation with the insurer.
- Office address and map pinLow risk
- Link to the insurer’s product pageDo this
- Enquiry formLow risk
- Book a free callLow risk
- Insurer logo and nameApproval
- Plan names and benefitsApproval
- Premium exampleApproval
- Client reviewsApproval
- "Guaranteed returns"Leave off
Five steps from a draft profile to a written yes
Regulation 28 sets the rule. It does not say how the request is made, so these steps are a sensible routine and not something IRDAI prescribes.
Ask the insurer how it wants to receive the request
The regulation says the approval is in writing, but not the form. Ask your insurer who reviews agent material and how they want it sent. For an LIC agent, the insurer is LIC.
Send the whole profile, not one line
Send the live link and a PDF of every section on a phone screen. The insurer is judging the page as a reader sees it, including the buttons and the links.
Keep the written reply
Save the approval where you can find it, next to the PDF you sent. If anyone asks later, you can show what was approved and when.
Treat the approved version as the only version
Your card’s link never changes, but what it opens does whenever you edit the profile. Do not touch an approved line without asking again.
Ask again when the product or the rules change
An insurer can withdraw or change a plan, and IRDAI can issue circulars on top of the regulations (regulation 56). Look at the profile once a quarter.
This page explains published regulations. It is not legal advice, and your insurer and IRDAI have the final word on how the rules apply to you.
The parts of the profile that work without making a claim
A contact-first profile is not a weak one. These are the features that turn a tap into a conversation, and none of them says anything about a policy. Tap the card or scan the QR code printed on it, and the profile opens in the browser with no app, on an iPhone XS or later or any NFC Android phone.
One-tap save to contacts
A visitor saves your name, company, phone, email and social links into their phone in one tap. Everyone who does it is recorded for you with their name, email and phone, in a list you can export as PDF or Excel.
Enquiry form and lead capture
A client can write to you from the profile. The message reaches Dashboard → Inquiries with their name, email, phone and message.
Appointment booking
Offer a free call to look at a client’s existing cover. Bookings show as a list or a calendar, and marking one complete emails the client.
Detailed analytics
See the approximate city, device and time of each tap or scan, and which links were clicked. It does not name the person who opened the profile.
Want to send a client your number without typing it? The free WhatsApp link generator makes a link that opens a chat with you. And if you are choosing between a card and a plain QR code, the NFC versus QR comparison lays out the trade.
What an agent pays
A contact-first profile fits on Basic. Detailed analytics and custom links are on Pro.
Questions from insurance agents
Can an insurance agent use a digital visiting card?
Yes. IRDAI does not ban it. What its 2024 regulations ask is that an advertisement from an agent is approved by the insurer in writing before it is issued. So get the insurer to approve the profile first, then share it.
Sources: Insurance Regulatory and Development Authority of India
Do I need approval for a card that only has my name and phone number?
The regulations define an advertisement by its purpose, which is to influence people towards buying insurance. A name, photo and phone number do not try to persuade anyone. But the 2024 text lists no items that are exempt, and the 2021 rules that did have an exception for basic details are repealed. The safe move is to show the insurer the whole profile once.
Sources: Insurance Regulatory and Development Authority of India, Insurance Regulatory and Development Authority of India
Can I write "LIC agent" or add an insurer’s logo?
Only after asking the insurer. Naming an insurer ties your profile to its products, and the insurer decides how its name and logo may be used. Whatever you write, do not give the impression that you offer the policy yourself.
Sources: Insurance Regulatory and Development Authority of India
Can I show returns, benefits or premiums?
Only with the insurer’s approval, and only in honest words. The regulations name what counts as misleading: hiding the terms, promising more than the policy can deliver, playing down the risks, leaving out exclusions, using unreadable text, or using false figures. Use the insurer’s own approved wording and numbers.
Sources: Insurance Regulatory and Development Authority of India
Can I add client reviews?
The regulations do not mention reviews by name. A review that praises a policy still promotes it, so show it to the insurer before it goes on the profile. If you collect Google reviews, follow Google’s own rules too.
Sources: Insurance Regulatory and Development Authority of India
What if I edit the profile after it is approved?
Treat the approved version as the only version. A Beeps profile can be edited at any time, and the card’s link stays the same, so a later change reaches everyone who taps. If you change a line that talks about insurance, send it for approval again.
I sell for more than one insurer. What do I do?
Keep each insurer’s products in its own section and ask each insurer to approve its own section. The regulation puts the approval with the insurer whose products are being advertised, so one insurer cannot approve another’s.
Sources: Insurance Regulatory and Development Authority of India
What changed from the 2021 rules?
IRDAI’s 2024 regulations repealed the 2021 Insurance Advertisements and Disclosure Regulations from 1 April 2024. The 2021 rules had an exception for generic advertisements limited to basic details such as name, logo, address and phone number. The 2024 text of regulation 28 states no such exception, so do not rely on guides that still quote it.
Sources: Insurance Regulatory and Development Authority of India, Insurance Regulatory and Development Authority of India
Do my clients need an app to open the card?
No. A tap on the NFC card or a scan of the QR code opens the profile in the phone’s browser, and the client can save your contact in one tap.
Also for licensed professions: mutual fund distributors and the ARN, chartered accountants and ICAI’s guidelines and advocates and Bar Council Rule 36. All the industry pages are on the industries page, and the digital visiting card page explains the profile itself.
Sources
The regulations are quoted from IRDAI's own documents. The 2024 regulations were read in the Gazette text on 30 September 2026, and the 2021 regulations on 28 September 2026.
- Insurance Regulatory and Development Authority of India, IRDAI (Protection of Policyholder's Interests, operations and allied matters of insurers) Regulations, 2024. Checked .
- Insurance Regulatory and Development Authority of India, IRDAI (Insurance Advertisements and Disclosure) Regulations, 2021. Checked .
Share your contact today. Add the rest as the insurer approves it.
One tap gives a client your details and a way to reach you, and the profile stays up to date without reprinting anything.