# Irdai Proposes Insurance Commission Caps

> Irdai introduces product-specific commission limits to cut insurer costs and boost policyholder value.
- Title: Irdai Proposes Insurance Commission Caps · The Economic Times
- Summary: Irdai introduces product-specific commission limits to cut insurer costs and boost policyholder value. Irdai sets new commission caps for insurance products…
- Keywords: irdai, insurance commissions, expense of management, life insurance, general insurance, commission caps, Proposes, Insurance, Commission, Caps, The Economic Times
- Source: The Economic Times — https://economictimes.indiatimes.com/industry/banking/finance/insure/irdai-proposes-product-wise-commission-caps-lower-expense-limits-for-insurers/articleshow/134444367.cms
- Author: ET Bureau
- Published: 2026-09-23T18:24:00+00:00
- Read time: 1 min
- Topics: irdai, insurance commissions, expense of management, life insurance, general insurance, commission caps
## Irdai's Commission Overhaul
Irdai proposes product-specific commission limits for insurers.
## New Commission Caps
Life insurers face 15% EoM in two years, general insurers 25% in two years.
## Product-Based Limits
Health policies: 15% for distributors, 20% for agents on first year.
## Property Insurance Rules
Retail property: 15% for distributors, 20% for agents on first year.
## High-Value Policies
Large property risks: 5% for distributors, 5.5% for agents.
## What's Next
Irdai seeks feedback by October 25 to finalize changes.
## Key takeaway

Irdai sets new commission caps for insurance products to reduce expenses and improve value for customers.