How to check if an insurance agent or company is IRDAI registered in 2026

Before you buy a health or life policy, you must verify the seller. You can check the IRDAI registration of an insurance company or agent using the official regulator portals. This guide explains how to use the Agent Locator, verify a license number, and report a fake seller.

By Qrates research desk · 2026-10-27

To check if an insurance agent or company is real, you must use the official portals run by the Insurance Regulatory and Development Authority of India (IRDAI). You can verify an individual agent on the IRDAI Agent Locator, while company licenses sit on the main IRDAI website. This process ensures you do not hand your money to a scammer.

Quick answer: How to check IRDAI registration of an insurance company or agent

You can verify an agent using the official IRDAI Agent Locator portal (registrationwala.com). You will need the agent's alphanumeric license number or URN number to see their current active status. Do not rely on printed ID cards or PDF certificates, as these are easily forged by fraudsters.

Under the IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2026, intermediary entities now hold perpetual licenses (indianfranchise.in). However, individual agents must still renew their licenses every three years. Only a live portal check can confirm if an agent is currently authorized to sell a health insurance policy or life cover.

What you need before you start

You must gather specific details before you run a search. Do not accept a simple brand name, as many digital platforms operate under a different legal company name. If you search for an app's brand name, the portal will show no results, which can cause unnecessary panic. Check the footer of the app or website to find the registered corporate entity name.

Target to verify	What you need to ask for	Where to search
Individual Agent or POSP	Alphanumeric license number or URN	IRDAI Agent Locator
Insurance Company or Broker	Exact legal entity name	IRDAI website Entities section

You will also need a phone or computer with an active internet connection. Always type the official IRDAI portal link at https://www.irdai.gov.in directly into your browser (www.irdai.gov.in). This helps you avoid fake lookalike websites designed to steal your data.

Step-by-step: How to verify an insurance agent or company online

Checking an agent or POSP on the IRDAI Agent Locator

Open the official IRDAI Agent Locator website.
Select your search method from the dropdown menu.
Choose to verify IRDAI license number directly or do an IRDAI agent search by name.
Enter the details and click search to view the live status of the point of sales person (POSP) or agent.
Match the portal results with the person you are talking to.

The portal will display the agent's name, their valid-from and valid-till dates, and the insurance company they represent. If the person claims to represent one insurer but the portal shows they are tied to another, you have caught a lie. A mismatch is a strong sign of a fake insurance policy check, so stop the process immediately.

Checking an insurance company or broker

Go to the main IRDAI website.
Navigate to the entities section to find the IRDAI registered companies list.
Look up the corporate agent or broker using their exact legal name.
Verify that their registration status is marked as active.

The regulator's website separates life insurers, general insurers, and health insurers. Brokers are listed separately because they represent the buyer, while corporate agents represent multiple insurers. For digital brokers and apps, you can also check the Qrates insurance apps directory. This directory lists the exact IRDAI registration number for each platform, allowing you to cross-reference the apps with the official regulator portals. You can visit the Qrates insurance apps directory to check the latest figures for yourself.

Spotting fake WhatsApp advisory groups

Never buy a policy from an unverified WhatsApp group. Scammers often use these groups to offer special discounts that do not actually exist. A group admin will claim to be an approved advisor and post a fake PDF license to build trust.

They might offer a ₹5,000 discount on a health policy if you pay via a UPI link sent in the chat. Once you pay, they send a fabricated policy document. When you try to claim hospital bills later, the hospital rejects the document. Always verify the URN on the portal yourself before making a payment.

How long it takes and what it costs

To check insurance agent license online takes about two minutes. The portals are designed to give you an instant result once you enter the correct alphanumeric code. You do not need to create an account or log in to use the public registers.

It is completely free to use the IRDAI public registers (registrationwala.com). No official government site will ever ask you for a payment or fee to verify a broker or agent. If a website asks for your credit card to run a background check, you are on a fake site.

If it does not work: How to report a fake agent

If the portal says the license number is invalid, do not pay the agent any money. The same applies if the agent refuses to share their URN when asked. Scammers will often make excuses about the portal being down, but the IRDAI registers are available 24/7.

To report a scam agent, log into the official Bima Bharosa portal. This is the official grievance redressal system for the Indian insurance sector. You will need to provide your details, the name of the fake agent, and screenshots of your chats or payment receipts.

You can also call the IRDAI toll-free helpline at 155255 (www.irdai.gov.in). Use this number to file a direct complaint about insurance fraud or unregistered sellers. The helpline operates during regular working hours and provides support in multiple Indian languages.

FAQs

How to check if my insurance policy is genuine?

To check if your policy is genuine, log into the official website of the insurance company and enter your policy number. A real policy will immediately show up in your customer dashboard. You can also call the insurer's official customer care number to verify the document.

Insurance agent fake hai ya real kaise pata kare?

To find out if an agent is real or fake, ask for their alphanumeric IRDAI license number. Type this number into the IRDAI Agent Locator tool to see if they are actively registered. If the tool shows no record, the agent is fake.

What is URN number in insurance?

A URN stands for Unique Registration Number (pbpartners.com). It is given to a Point of Sales Person (POSP) to prove they have completed the required training to sell basic insurance products. You use this alphanumeric code to verify their credentials on the regulator's website.

IRDAI registered company list kaise dekhe?

You can view the IRDAI registered companies list directly on the main IRDAI website under the entities section. This list shows every life, health, and general insurer legally allowed to operate in India. It also lists approved corporate agents and brokers.

The short version

Individual agents and POSPs can be verified on the official IRDAI Agent Locator portal using their alphanumeric license number or URN.
Insurance companies and brokers are listed under the entities section on the main IRDAI website.
Under 2026 rules, intermediary entities hold perpetual licenses, but individual agents must renew their licenses every three years.
You can report fake agents and insurance fraud for free on the Bima Bharosa portal or by calling 155255.
If you are worried about a specific provider, you can research if ACKO is safe and registered or check the status of major apps like LIC Digital before purchasing.