Indian life insurers paid a record ₹60,800 crore in commissions in FY25, an 18% increase year-on-year, significantly outpacing premium growth of 6.73%. Commission expenses as a percentage of premiums rose to 6.86%. This surge occurred despite a 13.14% decrease in overall operating expenses for life insurers. In the non-life sector, gross commission expenses reached ₹47,266 crore for FY25.