Insurance & Regulatory

Strategic advisory to insurers, intermediaries and regulated businesses—balancing compliance, commercial agility and risk management
Navigating the evolving insurance and regulatory landscape with insight and precision.
  • India’s insurance sector is undergoing significant change: increased regulatory scrutiny by Insurance Regulatory and Development Authority of India (IRDAI), growing product innovation (InsurTech), and complex cross-border operations demand up-to-date legal frameworks.
  • Regulatory compliance now extends beyond licences and registrations to include disclosure norms, cyber security guidelines, outsourcing norms, and solvency requirements—making robust legal oversight vital from inception to ongoing operations.
  • For regulated businesses—whether insurance, fintech, or advisory firms—legal missteps can trigger enforcement action, significant liabilities and reputational loss; proactive regulatory counsel is therefore essential.

At Aretha Legal, our Insurance & Regulatory practice supports clients across the full spectrum of regulated activities. We assist insurers, reinsurers, intermediaries, InsurTechs and service providers in navigating licensing, product approvals, regulatory filings, outsourcing arrangements, policy documentation, cross-border operations, and compliance programmes.

Drawing on deep regulatory expertise and commercial acumen, we help you structure operations, anticipate regulatory change, mitigate enforcement risk and integrate regulatory strategy into your business model.

OUR Expertise

  • Insurance Law Advisory
    Advising on licences and approvals for life/non-life insurers, reinsurers and intermediaries; product lifecycle (drafting terms, filings, approvals); reinsurance, captives, distribution and bancassurance arrangements.
  • Regulatory Compliance
    Regulatory filings and disclosures to IRDAI and other statutory bodies; outsourcing and insourcing arrangements; data protection, cyber security compliance; solvency, capital adequacy and reporting norms; cross-border entry and foreign participation.

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