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@article{190816,
        author = {Paulami Rao},
        title = {Impact of IRDAI Regulations on Life Insurance Marketing Practices in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {8419-8425},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190816},
        abstract = {Life insurance marketing in India has undergone significant transformation under the regulatory supervision of the Insurance Regulatory and Development Authority of India (IRDAI). The regulator has introduced structural reforms to improve transparency, restrict mis-selling, strengthen consumer protection, and modernize distribution practices. These regulatory developments have not only influenced promotional communication but have also reshaped pricing, product positioning, digital adoption, and agent professionalism. This research analytically explores how IRDAI regulations have impacted marketing strategies in the Indian life insurance sector. The study integrates literature review, conceptual analysis, tables, and interpretative graphs to assess both benefits and challenges of the regulatory framework. Findings indicate that regulation has enhanced industry trust and credibility while compelling insurers to innovate responsibly.},
        keywords = {IRDAI, Life Insurance, Marketing Practices, Consumer Protection, Mis-Selling, Digitalization, Regulatory Framework, Transparency, Product Standardization, Ethical Marketing},
        month = {January},
        }