- Unavailability of Quality Manpower in terms of Agency Managers specially into digital agency model which is new Retention of Quality Manpower
- Absence of Branch Infra and operating in digital environment which is non-traditional
- Licensing of Advisors – Pass Percentage is very low, getting examination dates for Online Examination is very difficult.
- Fluctuating market condition
- Delay in completion of business during month end as it involves the long process to issue the policy (starting from policy receipting, scanning, completing requirement, medical follow ups and finally the completion).
- Infrastructure constraints
Ensuring that business is carried out as per the compliance & regulatory workplace