The Indian General Insurance landscape underwent a seismic shift in 2023. With the IRDAI’s deregulation of commission caps, the rigid, one-size-fits-all remuneration structures of the past vanished. In their place, a new world of strategic flexibility emerged. Today, insurance companies are no longer bound by individual policy commission ceilings. Instead, they are governed by a broader "Expenses of Management" (EOM) framework—capping total acquisition costs at 30% for Genera