Editorial Policy

1. Purpose of our content

Gyansurance exists to educate readers about term insurance in India. Our goal is to help you understand insurance topics, make informed decisions, and clear common misconceptions. We do not provide personalised insurance or financial advice.

2. How content is created

Each article goes through a multi-stage process: research from primary regulatory sources, AI-assisted drafting, human editorial review, automated fact-checking against our parsed data sets, and a final accuracy audit before publication.

The research stage pulls directly from structured data we have parsed and stored from IRDAI, RBI, Consumer Court, and Ombudsman publications (see Section 3 for the full list). Every claim that cites a statistic, ratio, or trend must trace back to a specific figure in these data sets. If a number cannot be verified from the source, it is omitted; we do not estimate or infer missing values.

After publication, a weekly automated fact-check pipeline re-verifies all data claims in every published article. Claims found to be outdated or incorrect are corrected automatically; claims that cannot be verified are flagged for manual review.

3. Data sources and methodology

Gyansurance maintains a structured, machine-readable database built from the following primary regulatory and judicial sources. We parse these publications into standardised JSON data sets, which our content pipeline queries during article generation and fact-checking.

IRDAI Handbook on Indian Insurance Statistics

Three editions (2022-23, 2023-24, 2024-25). We extract insurer-level data on claims settlement ratios, solvency margins, persistency rates (13th, 25th, 37th, 49th, and 61st month), grievance resolution statistics, and policy lapse volumes. This covers all 27 life insurers operating in India across multiple financial years.

IRDAI monthly first year premium reports

Monthly reports from June 2025 to the present. These contain first year premium figures, new policy counts, and market share breakdowns for every life insurer, segmented by individual and group business. We track 28 insurers across these monthly snapshots to identify premium trends and shifts in market position.

IRDAI Annual Report 2024-25

We extract data on distribution channel composition (individual agents, corporate agents, brokers, direct and online channels), regulatory penalty orders issued during the year, and agent appointment and termination statistics.

Council for Insurance Ombudsmen (CIO) annual reports

Three years of reports covering FY 2022-23 through FY 2024-25. We parse complaint volumes per insurer, award and recommendation outcomes, average disposal timelines, and complaint category breakdowns. This data lets us compare how different insurers handle policyholder disputes at the Ombudsman level.

National Consumer Disputes Redressal Commission (NCDRC) case records

We have compiled 203 life insurance cases with structured data on outcomes, rejection reasons cited by insurers, compensation amounts awarded, and case timelines. This gives readers a factual picture of how consumer courts rule on insurance disputes and what grounds insurers most commonly use to deny claims.

RBI Handbook of Statistics on Indian Economy 2024-25

We use household financial savings composition data and the life insurance fund as a share of total financial assets, covering a 41-year trend from the early 1980s to the present. This places term insurance within the broader context of how Indian households allocate savings.

How we use this data

All source publications are parsed into structured JSON files stored on our content pipeline server. When an article is generated, the pipeline loads the relevant data sets and injects verified figures directly into the draft. The weekly fact-check process re-validates every published claim against the same data sets and flags any discrepancies. If a newer edition of a source is released, we re-parse and update the data; articles citing stale figures are queued for revision.

4. Accuracy and fact-checking

Our accuracy process operates at three stages:

• Pre-publication: Every statistic in a draft must map to an explicit, named figure in our parsed data sets. If a value cannot be traced to a source, it is removed before the article is published.
• Post-publication (weekly): An automated fact-check pipeline scans all published articles, extracts data claims, and verifies each against current source data. Claims found to be incorrect or outdated are corrected automatically. Claims that cannot be verified are flagged for human review.
• Source updates: When IRDAI, RBI, or CIO releases new data (annual handbooks, monthly reports, or revised circulars), we re-parse the publications and update our data sets. Articles affected by the new figures are identified and revised.
• Reader-reported errors: Corrections are applied within 48 hours of verification. The original claim, the corrected figure, and the source are logged.

5. Neutrality and independence

Gyansurance is an independent educational portal. We do not act as agents or intermediaries for any insurance company. Our comparisons are unbiased, and we clearly disclose any sponsored content or affiliate relationships.

6. Language and accessibility

All content is written in simple, clear English with minimal Hindi where helpful for context. We avoid unnecessary jargon and use everyday examples to explain insurance concepts.

7. Corrections and feedback

We welcome reader feedback. If you find an inaccuracy, outdated information, or have a suggestion, contact us at editorial@gyansurance.com. All reports are reviewed promptly.

8. Regulatory compliance

Our content adheres to IRDAI guidelines, ASCI advertising standards, and the Information Technology Act, 2000.

9. Our editorial promise

Every piece of content on Gyansurance is data-driven, accurate, unbiased, accessible, and responsible.