Ditto Insurance versus traditional insurance brokers and agents

Wed, 20 May 2026 00:00:00 +0000

The argument over insurance distribution in India is an argument about incentives. Every channel that places a policy with a retail buyer, from the Ditto advisory desk to a tied agent to a full insurance broker, is paid by the insurer, not the buyer. What separates them is how that payment shapes the advice, how many insurers each can offer, and whom each one legally represents. This page sets the advice-led model that Ditto runs against the traditional agent and broker channels, and explains the IRDAI licence distinctions that drive the difference.

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Ditto Insurance versus traditional insurance brokers and agents