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This is to inform you that the Insurance Regulatory and Development Authority (IRDA) vide its circular no. 043/IRDA/LIFE/AML/MAR-06 dated 31/03/06, has made it mandatory for an Insurance Company to maintain up to date documentation of identification and income of its customers. IRDA has stipulated that the Guidelines are applicable retrospectively for the policies coming into force on or after 1st January 2006 with premium Rs.1 lakh and above.The guidelines provide for collection of photograph, identity and address proofs for all customers and higher due diligence for policies with premium greater than Rs.1 Lakh.
 
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