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Sell Insurance Policies Online

Become an Web Aggregator of Insurance products

By getting the Insurance Web Aggregator License, you can empower your online business by setting up insurance policy portal from where people can browse, know about and select the policy of their choice.

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Insurance Web Aggregator


In this uncertain world, security is hard to come by. It has driven people to buy insurance policies to give their families a secure future. But, with so many policies available online, people have a hard time picking the right one. More often than not, that hard time pushes them into  buying the wrong policies which can severely impact their lives.

You can give them an online solution by becoming an Insurance Web Aggregator.

Web aggregator’s meaning is to aggregate articles on the web on one portal. An  Insurance web aggregator is an insurance company or an insurance intermediary. Its job is to aggregate, accumulate and present information about insurance products of different insurance companies. The insurance web aggregator business isn’t just to present multiple insurance products in one place, it allows people to come and:

  • Read the policies of the insurance products
  • Compare between different insurance products
  • And Choose the insurance product that suits their needs.

That said, not just anyone can start a web portal like that, you need to Insurance web Aggregator License. It’s governed under the Insurance and Development Act 1999, and is given to insurance companies or intermediaries to aggregate and showcase insurance products to online customers.

However, just like anything worth having, there are many legal conditions involved with getting the web aggregation license. That’s why, Registrationwala takes up the task to guide you towards the insurance in the most hassle-free, affordable and reliable fashion.


Following is the Eligibility Criteria for you to become an Insurance Web Aggregator:

  • You must apply as either a company, or an LLP.
  • The memorandum and Articles of association/LLP agreement of your company/LLP should specify that the object of your company/LLP is web aggregation.
  • Your business shouldn’t be anything other than selling policies online.
  • You must not be registered as:
    • An insurance agent
    • A corporate agent
    • A microfinance Agent
    • A Surveyor and loss assessor
    • An Insurance Marketing firm
    • TPA
    • or a Micro Insurance Agent.
  • You must have a referral agreement with an insurer.
  • You’ll only get one certificate of insurance web aggregation.
  • You must have your own website which acts as a portal to present insurance products. 
  • Your principal officer should have the necessary qualification to conduct insurance web aggregation as per FORM C Schedule 1.
  • Your principal officer should’ve gone through the necessary training and should be certified by the concerned authority.
  • You and other key members of your company must adhere to the Fit and Proper criteria of Insurance aggregator Form D Schedule 1.
  • Your company must not have violated any obligation specified in FORM V and FORM W.
  • You must not be someone whose insurance web aggregator license was cancelled by the authority.


The process to acquire Insurance Web Aggregator License is as follows:

  • Incorporate a company/LLP: If you’re applying for insurance aggregator license for the first time, it’s wise to take the right first step, which is to get your business registered as a company/LLP.
  • File the application using FORM A: Fill the application FORM A and attach the required documents.
  • Pay the required application fee: Pay the requisite application fee to get the application into processing.
  • Wait for the Authority to examine your application: After receiving your application, the IRDAI will process it. If it finds that your application is in the general interest of the policyholders, you’d get the certificate of registration in FORM E.

Documents required

The following documents are required to be submitted to the IRDAI:

  • Certificate of incorporation
  • Memorandum of Association and Articles of Association
    • LLP agreement if your business entity is an LLP.
  • PAN Card of the company 
  • Director profiles of the company/Partner profiles of the LLP
  • Principal Officer Profile and documents pertaining to his educational qualification.
  • Description of contents of the web aggregation website.
  • Website hosting details
  • Details of the website content manager.
  • Shareholding pattern of the company.
  • Net worth certificate of the company.
  • Audited financial statements for the last three years if the applicant is an existing company.
    • Latest financial statements if the applicant is a new company.
  • Details of the company’s/LLP’s IT infrastructure.
  • Organogram (Organizational Chart) of the company
  • Access (ID and password) to view the content and backend of the insurance aggregation website.

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