Competitive intensity in non-par pricing
Aggressive pricing by peers in non-par savings products could pressure margins if yield curve moves unfavorably.
SBILIFE / Q1-FY26 / risks
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SBI Life Insurance Company · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Lumpy group term life business
Group term life is lumpy and may not sustain high growth; pricing remains competitive, impacting profitability.
Agency growth slower than expected
Agency channel grew only 6% vs. mid-teen target; product mix shift may have temporarily impacted volume.
Regulatory changes (free-look period extension)
Potential extension of free-look period could increase cancellations, though management sees minimal impact due to low mis-selling.