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Home / Insurance — IRDAI / Insurance Marketing Firm (IMF) Registration (IMF) Registration
Last updated: 2 October 2026
An Insurance Marketing Firm can distribute insurance products of multiple insurers and, through its staff, other financial products such as mutual funds. Expertvuw’s team handles eligibility, Principal Officer and salesperson requirements, and the IRDAI application.
An Insurance Marketing Firm (IMF) is an intermediary registered under the IRDAI (Registration of Insurance Marketing Firm) Regulations, 2015, as amended in 2022 and by the IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2026. It solicits and services insurance through Insurance Sales Persons, and can also distribute other financial products — such as mutual funds and pension products — subject to the rules of the relevant regulators.
An IMF can tie up with up to six life, six general and six health insurers. Since the 2022 amendments, an IMF can operate across all districts of the state in which it is registered. The applicant must be a company, LLP or other eligible entity with the prescribed net worth, a Principal Officer and trained, certified sales staff.
Under the 2026 amendment, IMF registration is perpetual subject to an annual fee. Principal Officers and sales persons must complete periodic training as prescribed.
Basis: Insurance Act, 1938 as amended in 2025; IRDAI (Registration of Insurance Marketing Firm) Regulations, 2015, as amended in 2022 and 2026. Last updated: 27 September 2026.
Up to 6 life, 6 general and 6 health insurers.
Across all districts of the state of registration.
Can distribute other financial products through qualified staff, subject to other regulators' rules.
Principal Officer and Insurance Sales Persons must be trained and certified.
Registration is perpetual subject to an annual fee from 2026.
Periodic refresher training is required for key persons.
IMF issues usually relate to people and scope.
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IMF registration connects with these services.
Corporate agent registration.
ARN for mutual fund distribution.
Broker registration.
Ongoing intermediary compliance.
Check eligibility and net worth.
Appoint and certify the Principal Officer.
File the application with IRDAI.
Respond to observations.
Receive the certificate.
Sign agreements with insurers.
IMFs have ongoing obligations.
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Share your query and our team will reply during business hours.
An IRDAI-registered intermediary that distributes insurance of multiple insurers and, through qualified staff, other financial products.
Up to six life, six general and six health insurers.
An IMF can operate across all districts of the state in which it is registered.
Yes, through qualified staff and subject to the separate rules for mutual fund distribution.
Under the 2026 amendment, registration is perpetual subject to an annual fee.
ACS – Director, Expertvuw Management Pvt Ltd
IRDAI applications and filings are prepared by Expertvuw’s team. Audits and certificates required by IRDAI are issued by independent Chartered Accountants, and representation before IRDAI or other authorities is made by authorised professionals or advocates. Expertvuw is not an insurer or insurance intermediary and does not sell insurance.