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List of Circulars

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CI Date Ref. No Title 2/10/2011 2/10/2011 2/11/2011 Addendum 2/11/2011 Date Ref. No Title 1/4/2011 1/12/2011 To all insurers 1/27/2011 Date Ref. No Title 12/8/2010 Circular 12/27/2010 All life Insurers February 2011 IRDA/HLT/MISC/CIR/ 030/02/2011 All life and General Insurers IRDA/CHM/MISC/CIR/ 029/02/2011 All Life and General Insurers IRDA/CHM/MISC/CIR/ 032 /02/2011 IRDA/CAD/GDL/AGN/ 016/02/2011 CEOs of Life Insurance Companies January 2011 IRDA/LIFE/CIR/ MISC/001/01/2011 The CEOs of Insurance Companies IRDA/TPA/GDL/CIR/ 008/01/2011 Circular Ref. CAD/I/10-11 The CEOs of all General and Life Insurers December 2010 IRDA/F&I/CIR/GLD/ 202/12/2010 IRDA/F&A/CIR/ 217/12/2010 November 2010 ALL
Transcript
Page 1: List of Circulars

CIRCULARS

2011

Date Ref. No Title

2/10/2011 All life and General Insurers

2/10/2011 All Life and General Insurers

2/11/2011 Addendum

2/11/2011

Date Ref. No Title

1/4/2011

1/12/2011 To all insurers

1/27/2011

2010

Date Ref. No Title

12/8/2010 Circular

12/27/2010 All life Insurers

February 2011

IRDA/HLT/MISC/CIR/030/02/2011

IRDA/CHM/MISC/CIR/029/02/2011

IRDA/CHM/MISC/CIR/ 032 /02/2011

IRDA/CAD/GDL/AGN/016/02/2011

CEOs of Life Insurance Companies

January 2011

IRDA/LIFE/CIR/MISC/001/01/2011

The CEOs of Insurance Companies

IRDA/TPA/GDL/CIR/008/01/2011

Circular Ref. CAD/I/10-11

The CEOs of all General and Life Insurers

December 2010

IRDA/F&I/CIR/GLD/202/12/2010

IRDA/F&A/CIR/217/12/2010

November 2010

ALL

Page 2: List of Circulars

Date Ref. No Title

11/4/2010 All CEOs of Life and Non-life

11/11/2010 To all insurers

11/12/2010

11/18/2010 The CEOs of all Life Insurers

11/23/2010 Circular

Date Ref. No Title

10/14/2010

10/21/2010

10/21/2010

Date Ref. No Title

9/3/2010 All insurers

9/9/2010 Exposure draft

9/13/2010

9/24/2010 All Insurers

IRDA/F&I/CIR/CMP/174/11/2010

IRDA/LIFE/CIR/REF/179/11/2010

IRDA/F&I/CIR/AML/180/11/2010

The CEOs of Life Insurance Companies

IRDA/F&I/CIR/EMT/ 183 /11/2010

Circular Ref. CAD/Insu. Omb/10-I 1

October 2010

IRDA/CAGTS/CIR/LCE/165/10/2010

To CEOs of all the Insurance Companies

IRDA/ACT/CIR/VIP/171/10/2010

CEOs of All Life Insurance Companies

IRDA/ACT/CIR/VIP/170/10/2010

CEOs of all Life Insurance Companies

September 2010

IRDA/IT/ORD/MIS/152/09/2010

IRDA/ACT/CIR/MISC/154/09/2010

IRDA/CAGTS/GDL/LCE/155/09/2010

To the CEOs of all the Insurance Companies

IRDA/F&I/CIR/AML/158/09/2010

August 2010

Page 3: List of Circulars

Date Ref. No Title

8/5/2010 Circular

8/9/2010 Circular

8/16/2010 All the Life Insurers

8/24/2010 To all Life and General Insurers

8/27/2010 To all Life and Non-Life Insurers

8/27/2010 Circular

8/30/2010 Exposure draft

Date Ref. No Title

7/12/2010 To all the Insurer

Date Ref. No Title

6/4/2010 -- To all

6/7/2010 To all insurers

6/11/2010 All Insurers

6/16/2010 To all

6/16/2010 To all

6/18/2010 --

IRDA/Life/Misc/Cir/125/08/2010

IRDA/Life/Cir/Misc/126/08/2010

IRDA/LIFE/MISC/CIR/129/08/2010

IRDA/HLT/MISC/CIR/139/08/2010

IRDA/CAD/CIR/AGN/137/08

27/IRDA/SUR/CIR/AUG10

IRDA/CHM/CIR/ ETASS/ 142/08/ 2010

July 2010

IRDA/LIFE/CIR/MISC/110/07/ 2010

June 2010

IRDA/CAGTS/CIR/LCE/092/06/2010

IRDA/F&I/CIR/DATA/091/06/2010

IRDA/F&I/CIR/100/06/2010

IRDA/F&I/CIR/AML/99/06/2010

ALL INSURERS/INSURANCE INTERMEDIARIES/CONSUMER BODIES/GENERAL PUBLIC

Page 4: List of Circulars

6/28/2010 All Life Insurers

Date Ref. No Title

5/3/2010

5/10/2010 To all Insurer

5/13/2010 To all insurers

5/17/2010 To all insurers

Date Ref. No Title

3/2/2010 All the Insurers

3/11/2010

3/17/2010 To the CEOs of Life Insurers

3/18/2010 -- The CEOs of all Life Insurers

Date Ref. No Title

2/4/2010

IRDA/ACT/CIR/ULIP/102/06/2010

May 2010

IRDA/ACTL/CIR/ULIP/071 /05/2010

CEOs of all Life Insurance Companies

No. IRDA/F&I/CIR/F&A/075/05/2010

IRDA/F&I/CIR/AML/ 80 /05/2010

IRDA/CAGTS/CIR/LCE/082/05/2010

March 2010

IRDA/CAGTS/CIR/LCE/039/03/2010

IRDA/ACT/CIR/LIF/049/3/2010

All CEOs of Life Insurance Companies

IRDA/F&I/CIR/F&A/045/03/2010

February 2010

IRDA/F&I/CIR/AML/16/02/2010

The Chairman/CEOs of all the Insurers

January 2010

Page 5: List of Circulars

Date Ref. No Title

1/21/2010 To all insurers

1/28/2010 The CEOs of All Insurers

1/29/2010 To the CEOs of all Insurers

2009

Date Ref. No Title

12/21/2009

12/23/2009

12/23/2009 To all concerned

12/23/2009 To all concerned

Date Ref. No Title

11/5/2009 -- variable annuity products

11/13/2009

Date Ref. No Title

IRDA/F&I/CIR/F&A/008/01/2010

IRDA/F&I/CIR/F&A/012/01/2010

IRDA/F&I/CIR/F&A/014/01/2010

December 2009

IRDA/LGL/CIR/MISC/080/12/2009

To the CEOs of life and General Insurers

IRDA/ F&I/CIR/AML/85/12/2009

CEO’s of All Insurance Companies

IRDA/ADMN/CIR/ATI/086/12/2009

IRDA/ LIFE /GDL/MISC/087/12/2009

November 2009

IRDA/HLT/CIR/072/11/2009

The CEOs of all Life Insurance Companies

October 2009

Page 6: List of Circulars

10/28/2009

Date Ref. No Title

9/9/2009

9/15/2009

Date Ref. No Title

8/4/2009 INV/CIR/023/2009-10 CEO of all Insurers

8/18/2009 To all insurers

8/20/2009 CEOs of Life Insurers

8/24/2009

Date Ref. No Title

7/9/2009 To the CEOs of Life Insurers

7/22/2009 Circular

Date Ref. No Title

IRDA/ F&I/CIR/AML/052/10/2009

CEO’s of All Insurance Companies

September 2009

IRDA/ F&I/CIR/AML/ 33 /09/2009

CEO’s of All Insurance Companies

IRDA/LIFE/CIR/MISC/37/9/2009

All CEOs of Life Insurance Companies

August 2009

028/IRDA/LIFE/PAN/Aug-2009

29/IRDA/Actl/ULIPs/2009-10

30/IRDA/AML/CIR/AUG-09

The CEO’s of All Insurance Companies,

July 2009

018/AML-CIR/IRDA/E-Payments/Jul-09

20/IRDA/Actl/ULIP/09-10

June 2009

Page 7: List of Circulars

6/4/2009 To the CEOs of all Insurers

Date Ref. No Title

5/7/2009 To all insurers / Re-insurer

5/19/2009 To all Genera Insurers

Date Ref. No Title

4/22/2009 To all inssurers

Date Ref. No Title

3/4/2009 To all insurers

3/13/2009 To all life insurers

3/13/2009 To all life insurers

Date Ref. No Title

2/11/2009 To all lifeinsurers

IRDA/INV/CIR/015/JUN 09

May 2009

005/IRDA/F&A/CIR/MAY-09

007/IRDA/Motor-TP/May-09

April 2009

004/IRDA/F&A/CIR/APR-09

March 2009

39/IRDA/AML/CIR/FEB-09

42/IRDA/ACTL/EM/2008-09

43/IRDA/ACTL/ASM/2008-09

February 2009

37/IRDA/GRM-Cir (L)/2009

Page 8: List of Circulars

2008

Date Ref. No Title

12/2/2008 To all insurers

12/5/2008 INV/LTR/012/2008-09 To all insurers

12/26/2008 CEO of all Insurance Companies

Date Ref. No Title

11/11/2008 INV/CIR/020/2008-09 To all insurers

Date Ref. No Title

8/13/2008 To all insurers

8/22/2008 INV/CIR/008/2008-09 Circular to all insurers

Date Ref. No Title

4/2/2008 To the CEOs of all life insurers

Date Ref. No Title

3/12/2008 To all insurers

3/12/2008 IRDA/F&A/060/Mar-08 To all insurers and Re-insurer

December 2008

022/IRDA/MasterAML/Nov-08

IRDA/INV/CIR/027/2008-09

November 2008

August 2008

Circular No. 009/IRDA/F&A/Aug.-08

April 2008

IRDA/F&A/CIR/069/APR-08

March 2008

061/IRDA/Actl/March-2008

Page 9: List of Circulars

3/12/2008 To all insurers

3/18/2008 To the CEOs of all life insurers

3/24/2008

3/31/2008 To all insurers

Date Ref. No Title

2/14/2008 To all insurers

Date Ref. No Title

1/2/2008 To all Life Insurers

2007

Date Ref. No Title

12/3/2007 All Life Insurers

Date Ref. No Title

11/1/2007

11/22/2007 45/IRDA/F&A/Nov.-07 All Insurance Companies

Date Ref. No Title

10/15/2007

Circular No.IRDA/F&A/062/Mar-08

064/IRDA/ACTL/March - 2008

065/IRDA/ACTL/RSM/2007-08

All CEOs of Life Insurance Companies

70/IRDA/AGENCY/March 2008

February 2008

054/IRDA/F&U/NOT/FEB-08

January 2008

049/IRDA/ACTL/ULIP/JANUARY-08

December 2007

47/IRDA/ACTL/DEC-2007

November 2007

43/IRDA/AGENCY/Nov 2007

To all All Insurers / Agents Training Institutes (In-house, Private and Online)

October 2007

42/IRDA/AGENCY/Oct 2007

All Insurers / Agents Training Institutes (In-house, Private and Online)

Page 10: List of Circulars

Date Ref. No Title

9/6/2007

9/24/2007 To All Insurance Companies

9/26/2007

Date Ref. No Title

8/23/2007 Appointment of C.E.O. / M.D.

Date Ref. No Title

4/16/2007 IRDA/F&A/001/Apr-07 Unit Linked Disclosure Norms

4/16/2007 IRDA/F&A/002/Apr-07

Date Ref. No Title

3/2/2007 057/IRDA/AML/MAR-07

Date Ref. No Title

2/20/2007 054/IRDA/F & A/FEB-07 Unit Linked Disclosure Norms

2/20/2007

2/21/2007 055/IRDA/F & A /FEB-07 Applicability of revised AS 15

2/23/2007

September 2007

032/IRDA/ACTL/FUP/VER 5.0/SEP 2007

All Chief Executive Officers and Appointed Actuaries of Life Insurers

38/IRDA/AGENCY/Sep 2007

IRDA/Life/Dist.Channel/ 037 /2007-08

Committee on Distribution Channels

August 2007

031/IRDA/CIR/COMPLIANCE/AUG-2007

April 2007

Declaration of Bonus under Section 49 of the Insurance Act, 1938

March 2007

Anti-Money Laundering Programme for Insurers

February 2007

053/IRDA/ACT/UTLIP_G/FEBO7

Money Market Instruments in Unit Linked Products

056/IRDA/ACTL/Solvency Margin/February-07

Reporting of Maintenance of Solvency Ratio-Quarterly Basis

Page 11: List of Circulars

Date Ref. No Title

1/31/2007

1/31/2007

2006

Date Ref. No Title

12/28/2006 041/IRDA/BOO/Dec-06

Date Ref. No Title

11/20/2006 030/IRDA/AML/Nov-06

Date Ref. No Title

9/26/2006 019/IRDA/LIFE/ SEP-06

Date Ref. No Title

7/27/2006 013/IRDA/LIFE/ JUL-06

Date Ref. No Title

4/28/2006

January 2007

048/IRDA/ACTL/FUP/VER 3.0/JAN 2007

FILE AND USE PROCEDURE LIFE INSURANCE PRODUCTS

47/IRDA/ACTL/FUP/VER 4.0/JAN 2007/

FILE AND USE PROCEDURE LIFE INSURANCE PRODUCTS-UNIQUE IDENTIFICATION NUMBER (ID)

December 2006

Closure/Relocation of places of business

November 2006

Guidelines on Anti Money Laundering programme for Insurers

September 2006

Guidelines on Anti Money Laundering programme for Insurers

July 2006

Guidelines on Anti Money Laundering programme for Insurers

April 2006

IRDA/INV/CIR/005/2006-07

INVESTMENT IN INNOVATIVE PERPETUAL DEBT INSTRUMENTS OF BANK’S TIER-1 CAPITAL & DEBT CAPITAL INSTRUMENTS OF BANK’S UPPER TIER-2 CAPITAL

March 2006

Page 12: List of Circulars

Date Ref. No Title

3/31/2006 045/IRDA/F&A/Mar-06

3/31/2006 9a/LIFE/AML/2005-06

Date Ref. No Title

1/20/2006 035/IRDA/LIFE/JAN-06

1/30/2006 036/IRDA/LIFE/JAN-06 Partnership Insurance Policies

2005

Date Ref. No Title

12/7/2005

12/27/2005

Date Ref. No Title

8/2/2005

8/25/2005 022/IRDA/F&A/Aug 05

Date Ref. No Title

4/27/2005 IRDA/LIFE/006/2005-06 To all life insurers

Date Ref. No Title

IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000–Clarifications

Guidelines on Anti Money Laundering programme for Insurers

January 2006

In-principle approval for opening of new place of business

December 2005

30/ IRDA/ CIR/ Lia Off/ Dec-05

Procedure for Opening of Liaison Office in India

033/CIR/Agents/Dec-2005

Insurance Qualification of the Corporate Agent

August 2005

IRDA/CIR/GEN/020 /Aug 05

Handling of Insurance Claims Arising Out of Natural Calamities in the Western RegionRegulatory framework on (i) issue of shares in any form other than equity and (ii) transfer of shares

April 2005

February 2005

Page 13: List of Circulars

2/23/2005

Date Ref. No Title

1/5/2005 To all life and general insurers

2004

Date Ref. No Title

12/28/2004 INV/CIR/058/2004-05

Date Ref. No Title

11/8/2004 INV/CIR/046/2004-05 To all insurers

Date Ref. No Title

2/3/2004 LC/SP/SI/VER 1.0

Date Ref. No Title

1/2/2004 --

2003

Date Ref. No Title

10/17/2003 IRDA/INV/005/2003-04 Section 7 Deposit

IRDA/Life/Rural & Social Obligations/076/2004-05 d

Obligations of Insurers to Rural or Social Sectors

January 2005

IRDA/CIR/GEN/061/JAN 05

December 2004

Outsourcing of Investment Function

November 2004

February 2004

Sales Illustrations - Life Insurance Business: Standards of Practices

January 2004

25 hours training required before the renewal of licences of Insurance Agents

October 2003

Page 14: List of Circulars

Date Ref. No Title

3/10/2003 IRDA/CIR/008/2003 TPA

3/12/2003 --

3/27/2003 IRDA/CIR/010/2003 Actuarial Department

Date Ref. No Title

2/14/2003 IRDA/Cir/004/2003 Referral Arrangement

2/17/2003 IRDA/Cir./005/2003 Addendum

2002

Date Ref. No Title

5/28/2002 -- Service Tax

2001

Date Ref. No Title

12/12/2001 FILE AND USE PROCEDURE

2000

Date Ref. No Title

11/1/2000 FILE AND USE PROCEDURE

March 2003

Modification of existing Products & Riders

February 2003

May 2002

December 2001

IRDA/ACTL/FUP/VER 2.0/ DEC 2001

November 2000

IRDA/ACTL/FUP/VER 1.0/ NOV 2000

Page 15: List of Circulars
Page 16: List of Circulars

CIRCULARS

2011

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2010

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Portability of Health Insurance Policies

Insurance schemes sponsored by Governments

Insurance schemes sponsored by Governments

Guidelines for Individual Agents for Persistency of Life Insurance Policies

Clarification on Guidelines on Group Insurance Policies

Updating policyholders about change in network hospitals and TPAs

Spurious calls identifying themselves as IRDA Employees in a bid to sell In

Policy Guidelines for Sharing of Information

Recognition of Surplus arising in Non-Participating Funds as Profit/Loss in

Page 17: List of Circulars

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[34.5KB]

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[110.85KB]

[217.94KB]

Treatment of Unclaimed Amount of Policyholders[559.51KB] [27KB]

Portal for Registration of Referral Companies[403.24KB] [204.5KB]

Anti Money Laundering/Counter-Financing of Terrorism (AML/CFT) Guidelines

Interpretation of ‘First Ten Years of Business’ u/s 40A of the Insurance Ac

Order dated 09.09.2010 passed by Delhi High Court in W.P.No.10638/06 -

Separate framework to sanction Corporate Agency License to Department of Po

Variable Insurance Products

Variable Insurance Products

Implementation of Integrated Grievances Management System (IGMS)

Composite package of standard insurance product – Rural & social sector

Separate Legal Framework to sanction Corporate Agency License to Department

Master Circular on Anti-Money Laundering / Counter-Financing of Terrosism (

Page 18: List of Circulars

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IRDA (Insurance Advertisements and Disclosure) (Amedment) Regulations, 2010

Compliance on IRDA (Sharing of Database for distribution of Ins. Products)

Advertisements - Life Insurance Products

Circular on medical insurance policies and cashless facilities

Disclosures of Agency information in Policy document

Appointment of Surveyors and Loss Assessors

Exposure Draft on Electronic Transaction and Settlement System Regulations

Cancellation of Circulars on Referral Arrangement

Exposure Draft on Guidelines on Distance Marketing and Sale Process Verific

Transfer of Corporate Agency from One Insurer to another

Requirement of Information under Section 31B(2) of the Insurance Act, 1938

Details of Equity Holding Pattern of Insurance Companies

Anti Money Laundering (AML) Guidelines

EXPOSURE DRAFT ON MODIFICATION TO REGULATIONS FOR PROTECTION OF POLICYHOLDE

Page 19: List of Circulars

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Unit Linked Insurance Products (ULIPs)

Guidelines on Unit Linked Products

Quarterly Submission of Financial Statements

Prevention of Money Laundering

New Agency Licensing Portal - Clarifications/Instructions

Guidelines on Licensing of Corporate Agents

Economic Capital

Controlled Fund- Life Insurance Companies

Controlled Fund- Life Insurance Companies- clarification

The Prevention of Money Laundering (Maintenance of Records of the Nature an

Page 20: List of Circulars

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2009

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[1021.89KB]

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Collection of information on the business generated through Bancassurance[1110.78KB] [32.5KB]

Public Disclosures by Insurers

Corporate Governance Guidelines for Insurance Companies- Amendment No. 1

Submission of database of cases

UAPA Nodal Officer of IRDA

Launching of New Agency Licensing Portal

Guidelines on 'Health plus Life Combi Products'

Working Group on Policy Issues to strengthen the annuity market and move fo

Submission of Half Yearly Electronic Returns in respect of Health Ins. Poli

Page 21: List of Circulars

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Guidelines for implementation of Section 51A of Unlawful Activities (Preven

The Prevention of Money Laundering (Amendment) Act, 2009

Premium - Awaited Policies

Audit of Investment Risk Management Systems & Process, Internal / Concurre

Requirement of PAN for Insurance Products

Unit Linked Products- Cap on Charges

Anti Money Laundering (AML) guidelines

E-Payments

Unit linked products - Cap on charges

Page 22: List of Circulars

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Indian Deposiory Receipts

Disclosures forming part of Financial Statements

Direction under Section 34 of the Insurance Act

Appointment of Statutory Auditors

Cash Acceptance Threshold for Premium/Proposal Deposit Remittances

Expense management of Life Insurance Companies

Scrip-wise details of investments available for arriving at the "Available

Grievance Redressal Mechanism

Page 23: List of Circulars

2008

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Master Circular on Anti-Money Laundering Programme for Insurers

Investments made during Sep 2008, Oct 2008 and Nov 2008 - Reg.

Relaxation in Investment Parameters of Debt / Equity Segment – Reg.

IRDA (Investment) (4 th Amendment) Regulations, 2008 - Reg

IRDA(assets, Liabilities and Solvency Margin of Insurers) Reg,2000

IRDA (Investment) (Fourth Amendment) Regulations, 2008

Submission of Health Premiums by Life Insurers

Minimum Sum Assured under Unit Linked Life Insurance Products

IRDA (Assets, Liabilities and Solvency Margin of Insurers) Reg., 2000

Page 24: List of Circulars

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2007

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Micro-Insurance) Regulations 2005 –Micro Insurance Agents

Life insurance products

Determination of Required Solvency Margin under Life Insurance Business

Insurance Qualification of the Corporate Agent

Regulation 4(1) and 4(4) of IRDA (Protection of Policyholders’ Interests) R

Benefit Illustrations for Unit Linked Products

Life Insurance Products-Guidelines for Unit Linked Life Insurance Products

Clarification on Circular pertaining to Reduction in Training Hours

Quarterly Submission of Financial Statements

Reduction in Agent training hours

Page 25: List of Circulars

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Taken

Life insurance products-file and use procedure

Publishing updated details of Individual Agents on Insurers website

IRDA forms Committee to study the distribution Channels

Appointment of C.E.O. / M.D. – Approval under Section 34A of Insurance Act,

Unit Linked Disclosure Norms

Declaration of Bonus under Section 49 of the Insurance Act, 1938

Anti-Money Laundering Programme for Insurers

Unit Linked Disclosure Norms [39.5KB] [182.5KB]

Money Market Instruments in Unit Linked Products

Applicability of revised AS 15

IRDA decides to move towards quarterly solvency reporting[314.43KB] [45KB]

Page 26: List of Circulars

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2006

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FILE AND USE PROCEDURE LIFE INSURANCE PRODUCTS

FILE AND USE PROCEDURE LIFE INSURANCE PRODUCTS-UNIQUE IDENTIFICATION NUMBER

Closure/Relocation of places of business

Guidelines on Anti Money Laundering programme for Insurers

Guidelines on Anti Money Laundering programme for Insurers

Guidelines on Anti Money Laundering programme for Insurers

INVESTMENT IN INNOVATIVE PERPETUAL DEBT INSTRUMENTS OF BANK’S TIER-1 CAPITA

Page 27: List of Circulars

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2005

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IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 200

Guidelines on Anti Money Laundering programme for Insurers

In-principle approval for opening of new place of business

Partnership Insurance Policies

Prcdure for Opng of Lsn Offce in India by an ins co. registered outside Ind

Insurance Qualification of the Corporate Agent

Handling of Insurance Claims Arising Out of Natural Calamities in the Weste

Regulatory framework on (i) issue of shares in any form other than equity a

Keyman Insurance Policies

Page 28: List of Circulars

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2004

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2003

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Compliance of the IRDA (Obligations of Insurers to Rural or Social Sectors)

Handling of Insurance Claims arising out of Tsunami

Outsourcing of Investment Function

INVESTMENTS IN EQUITY SHARES THROUGH IPOs

Sales Illustrations - Life Insurance Business: Standards of Practices

25 hours training required before the renewal of licences of Insurance Agen

Section 7 Deposit

Page 29: List of Circulars

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2002

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2001

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2000

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Third Party Administrators-Health Services

Modification of existing Products & Riders

File & Use Procedure

Referral Arrangement with Banks - Life Insurance

Referral Arrangement with Banks - Life Insurance

Introduction of Service Tax Code (STC)

FILE AND USE PROCEDURE

LIFE INSURANCE PRODUCTS—Non Linked Business

Page 30: List of Circulars

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