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Policy Sponsor

Step Into Smarter Policy Participation

Many individuals seek peace of mind, clarity, and long-term financial confidence. Participation in pre-owned life insurance policies can be an alternative to consider, offering defined planning horizons and the potential for structured outcomes. The Policy Exchange provides documentation and coordination support to help individuals navigate the necessary formalities through a transparent, reliable, and structured process—bringing greater clarity to each stage of participation.

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1. Conditional Assignment of Life Insurance Policy (CLIP)

This is a policy support program (typically for a period of one to four years) whereby The Policy Exchange facilitates the conditional assignment of eligible life insurance policies between the concerned parties. We simplify the documentation and operational coordination through a transparent and well-defined framework, subject to applicable terms and regulatory requirements.

How We Support Your Sponsorship Journey

Once the concerned parties decide to proceed, The Policy Exchange facilitates the required documentation and coordination. Upon completion of the defined program period, the parties receive the outcomes agreed upon at the outset, subject to the applicable terms and conditions. Throughout the process, The Policy Exchange remains available to facilitate coordination and support as required.

Benefits :
  • •Not linked to Market
  • •Secured by Underlying Policy Value
  • •Transparent Process

2. Assignment of Pre-Owned Policies

Under Section 38 of the Insurance Act, a policyholder may transfer ownership of a life insurance policy to another individual, subject to applicable terms and conditions. The transfer is irrevocable and allows the policyholder to facilitate continuity of the policy while enabling the new owner to participate in its future benefits. The original life insured remains unchanged.

How We Support Your Sponsorship Journey

We simplify the formalities involved in supporting policy continuity by coordinating required documentation, facilitating submissions, addressing documentation requirements and following up on processing—helping ensure a smooth and well-coordinated process.

Benefits :
  • •Irrevocable transfer
  • •Compliant process with complete transparency and digital journey.
  • •Complete Support at Every Step, Right Through to Closure
  • •Asset Backed by top Life Insurance Companies

Register Yourself To Start Your Journey

The registration is simple and digital, providing access to curated assignments.

Policy Sponsor Onboarding

Policy Sponsor Onboarding

The onboarding process is simple, clear, and hassle-free.

Documentation Support

Documentation Support

Get assistance with documentation and process coordination

Relationship Manager Support

Relationship Manager Support

Experts' guidance for smooth coordination with stakeholders during program entry and exit.

Watch How to CompletePolicy Sponsor Registration

Frequently Asked Questions

ULIPs (Unit Linked Insurance Plans) combine life insurance protection with market-linked investments, allowing policyholders to build wealth while staying insured.

No. ULIP returns are not guaranteed because the investment component is linked to market performance.  

Tax treatment remains aligned with that of a new life insurance policy, with eligible proceeds subject to the provisions of Section 10(10D) of the Income-tax Act.

Non-Par plans are the policies where the benefits are fixed in advance and do not include bonuses linked to the insurer’s profits.

No. If it’s a non-unit linked policy, there is no impact of market fluctuation. Even for a Unit-linked policy, the entire corpus can be allocated in a 100% debt fund. .