IRDAI Annual Report 2024–25 Explained | Life Insurance Reality Check | LIC vs Private Truth

Описание: The IRDAI Annual Report 2024–25 reveals the REAL condition of Life Insurance in India — beyond marketing, commissions, and agent claims.

In this 1 hour 5 minute MASTER video, I decode the complete Life Insurance ecosystem using official IRDAI data — explained in simple, practical language for policyholders, advisors, and serious learners.

This is NOT a product promotion.
This is a reality check.

🔹 WHAT THIS VIDEO COVERS (WITH DATA & LOGIC):

00:00 Introduction – Why this report matters to every Indian family
00:55 Insurance Sector in India – Big picture reality
03:01 Insurance Business Snapshot 2024–25
04:02 Insurance Penetration & Density – Why India is still underinsured
08:34 Segment-wise Life Insurance Premium Analysis
14:55 Commission & Financial Performance – Who earns, how much, and why
21:45 Death Claims Analysis – Paid, Rejected, Repudiated, Unclaimed explained LIC vs Private – Claims & complaints truth
29:34 Life Insurance Offices & Reach – India 2047 vision
32:50 Category-wise Investments – Where insurers invest your money
36:46 ULIP vs Traditional Funds – Actual allocation reality
38:24 Insurance Distribution – Agents, Banks, POSP, Brokers explained
41:58 Agent Appointments & Terminations – Why so many agents exit
46:35 New Business Premium Contribution – Who really sells insurance agent , posp etc
50:13 Grievances & Mis-selling – Hard numbers, not opinions
56:35 New Business Premium Contribution company wise
59:22 Solvency Ratio – What it really means for safety
1:01:01 AUM (Assets Under Management) – How big is the industry vault
1:04:05 Conclusion – What customers & advisors MUST understand

🔹 WHO SHOULD WATCH THIS VIDEO?
✔ Policyholders who want clarity before buying or continuing policies
✔ Agents & POSPs who want long-term career clarity
✔ Anyone confused between LIC and private insurers
✔ Viewers tired of half-truths and sales-driven advice

📌 Remember:
Insurance is not a product.
Insurance is behavior during crisis.

📌 Source: IRDAI Annual Report 2024–25 (Official)

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