Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
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-The Economic Times&lt;br /&gt;
&lt;br /&gt;
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.&lt;br /&gt;
&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &amp;quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&amp;quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government&#039;s decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.&lt;br /&gt;
&lt;br /&gt;
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The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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-The Economic Times

The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find..."/>
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                <strong>Health cover hurdle for elderly -Mayur Shetty</strong></h1>
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                <div align="justify">-The Economic Times<br /><br />The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.<br /><br />The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.<br /><br />An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.<br /><br />According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.<br /><br />The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. <br /></div>               </font>
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<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
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-The Economic Times&lt;br /&gt;
&lt;br /&gt;
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.&lt;br /&gt;
&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &amp;quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&amp;quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government&#039;s decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
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-The Economic Times

The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find..."/>
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                <strong>Health cover hurdle for elderly -Mayur Shetty</strong></h1>
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                <div align="justify">-The Economic Times<br /><br />The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.<br /><br />The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.<br /><br />An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.<br /><br />According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.<br /><br />The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. <br /></div>               </font>
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-The Economic Times&lt;br /&gt;
&lt;br /&gt;
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.&lt;br /&gt;
&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &amp;quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&amp;quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government&#039;s decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.&lt;br /&gt;
&lt;br /&gt;
The agents&#039; association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. &lt;br /&gt;
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	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;br /&gt;&lt;br /&gt;The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;&lt;br /&gt;The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.&lt;br /&gt;&lt;br /&gt;An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;&lt;br /&gt;According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &amp;quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&amp;quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government&#039;s decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.&lt;br /&gt;&lt;br /&gt;The agents&#039; association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. &lt;br /&gt;&lt;/div&gt;&#039;,
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&lt;br /&gt;
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.&lt;br /&gt;
&lt;br /&gt;
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.&lt;br /&gt;
&lt;br /&gt;
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.&lt;br /&gt;
&lt;br /&gt;
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &amp;quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&amp;quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government&#039;s decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.&lt;br /&gt;
&lt;br /&gt;
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-The Economic Times

The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find..."/>
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                <strong>Health cover hurdle for elderly -Mayur Shetty</strong></h1>
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                <div align="justify">-The Economic Times<br /><br />The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.<br /><br />The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.<br /><br />An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.<br /><br />According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.<br /><br />The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. <br /></div>               </font>
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-The Economic Times<br />
<br />
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.<br />
<br />
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.<br />
<br />
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.<br />
<br />
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.<br />
<br />
The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. <br />
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-The Economic Times<br />
<br />
The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission.<br />
<br />
The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%.<br />
<br />
An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one.<br />
<br />
According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. &quot;Agents will not be able to provide service to policyholders and this will result in lapsation of policies,&quot; he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down.<br />
<br />
The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred. <br />
</div>',
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-The Economic Times

The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find...'
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Health cover hurdle for elderly -Mayur Shetty

-The Economic Times The elderly will find it hard to buy health insurance with the public sector insurers bringing down agent commissions by more than a third for policies sold to those over 55. Companies with high claims, too, will find it difficult to get agents to service them as group policies where claims exceed premium will not be eligible for commission. The new commission structure that is effective from this month and is aimed at curbing losses of public sector general insurance companies - National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Under the new guidelines, insurance companies will pay full commission (15%) for policies sold to those below 35 years. For individuals in the 35-55 age group, the commission stands reduced to 10% while for those above 55 the commission has been capped at 5%. Motor insurance commissions have also been capped at 10%. An industry official said the revised commission structure is aimed at discouraging adverse selection as claims are highest in the 55-plus category and it is this age group that is proactive in buying health cover. Insurers say that while they still make money on policies sold to younger people, the older segment, despite paying more than double the premium of those in 20s, has always been a loss making one. According to Sanjay Parekh, vice-president, General Insurance Agents Association, some companies have discontinued commissions on policies sold to senior citizens. "Agents will not be able to provide service to policyholders and this will result in lapsation of policies," he said. The directive on commissions strikes a big blow to distributors of financial products, coming close on the heels of the central government's decision to cut commissions on small savings and mutual funds doing away with payments to distributors after Sebi placed curbs on entry loads. Even life insurance agents have been hit with companies reducing commissions after the insurance regulator directed them to bring down charges. Incidentally, both the life industry and the mutual fund business have seen a slowdown after commissions came down. The agents' association has called for a meeting on September 5 to protest against this move. Agents say that in any case the move may be deferred.