Equity market volatility impacting ULIP sales
A sharp market downturn could reduce ULIP demand, affecting growth and product mix targets.
SBILIFE / Q2-FY24 / 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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Material risks this quarter
medium
Rising commission costs under new IRDAI norms
New commission guidelines may increase payout ratios, pressuring margins if not offset by mix changes.
Reinsurance support for protection business
While improving, reinsurance terms remain cautious; slower normalization could cap protection growth.