Why Insurance Advice Needs a Human, Not a Bot

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

A named, licensed advisor who answers the call, advice citing your policy's actual clauses, follow-through on filing and escalation - not a recommendation and goodbye - and full accountability for what you were told.

The regulatory reality

Indian insurance regulation requires a licensed advisor to be accountable for recommendations - who recommended, who filed, who answers if it goes wrong. An AI model holds no licence and can be held accountable by no one.

Technology plus human

The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.