India's insurance sector saw steady premium growth in FY25, with life insurers reporting an 18.14% rise in profit after tax. However, rising distribution costs and breaches of expense limits remain concerns for both life and non-life segments. The sector's overall penetration stayed at 3.7%, with life insurance penetration declining slightly. The regulator also highlighted mis-selling as a significant concern, urging insurers to implement measures to assess product suitability and address complaints.