{"id":2455,"date":"2021-02-19T07:03:43","date_gmt":"2021-02-19T07:03:43","guid":{"rendered":"https:\/\/swaritadvisors.com\/blog\/?p=2455"},"modified":"2021-02-19T07:03:46","modified_gmt":"2021-02-19T07:03:46","slug":"why-insurance-broker-license-is-required-in-india","status":"publish","type":"post","link":"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/","title":{"rendered":"Why Insurance Broker License is required in India?"},"content":{"rendered":"\n<p class=\"has-drop-cap\">Insurance Regulatory and Development\nAuthority (IRDA) Act, 1999 provides for the regulations for <strong><a href=\"https:\/\/swaritadvisors.com\/insurance-broker-license\" class=\"text-primary\">Insurance Broker\nLicense<\/a><\/strong>, the objective of the regulations is to monitor and supervise insurance\nbrokers. The Insurance brokers advise people on their insurance need and help\nthem to choose right kind of product. The broker basically acts as a middleman\nbetween the insurance company and the people looking to purchase policies. This\narticle will discuss why insurance broker license is required in India.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3a129e056eb\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3a129e056eb\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#What_is_an_Insurance_Broker\" title=\"What is an\nInsurance Broker? \">What is an\nInsurance Broker? <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#What_are_the_Types_of_Insurance_Brokers\" title=\"What are the Types of Insurance Brokers? \">What are the Types of Insurance Brokers? <\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Direct_Insurance_Brokers\" title=\"Direct Insurance\nBrokers\">Direct Insurance\nBrokers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Reinsurance_Broker\" title=\"Reinsurance\nBroker\">Reinsurance\nBroker<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Composite_Insurance_Broker\" title=\"Composite\nInsurance Broker\">Composite\nInsurance Broker<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#What_is_the_Eligibility_to_obtain_Insurance_Broker_License_in_India\" title=\"What is the Eligibility\nto obtain Insurance Broker License in India?\">What is the Eligibility\nto obtain Insurance Broker License in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Need_for_Insurance_Broker_License_in_India\" title=\"Need for\nInsurance Broker License in India\">Need for\nInsurance Broker License in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Capital_Amount_Required_for_Insurance_Broker_License\" title=\"Capital Amount Required\nfor Insurance Broker License\">Capital Amount Required\nfor Insurance Broker License<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Capital_Requirement\" title=\"Capital\nRequirement\">Capital\nRequirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Net_worth_Requirement\" title=\"Net worth\nRequirement \">Net worth\nRequirement <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Deposit_Requirement\" title=\"Deposit\nRequirement\">Deposit\nRequirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Insurance_Broker_License_Fee\" title=\"Insurance Broker\nLicense Fee\">Insurance Broker\nLicense Fee<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Non-_Refundable_Application_Fees\" title=\"Non- Refundable\nApplication Fees\">Non- Refundable\nApplication Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Registration_fees\" title=\"Registration\nfees \">Registration\nfees <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Renewal_Fee_for_a_period_of_3_years\" title=\"Renewal Fee for\na period of 3 years \">Renewal Fee for\na period of 3 years <\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Procedure_to_obtain_Insurance_Broker_License\" title=\"Procedure to\nobtain Insurance Broker License\">Procedure to\nobtain Insurance Broker License<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Documents_Required_for_Insurance_Broker_License\" title=\"Documents Required\nfor Insurance Broker License\">Documents Required\nfor Insurance Broker License<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/swaritadvisors.com\/blog\/why-insurance-broker-license-is-required-in-india\/#Conclusion\" title=\"Conclusion \">Conclusion <\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_an_Insurance_Broker\"><\/span>What is an\nInsurance Broker? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An Insurance Broker is a person registered as an adviser of insurance who acts through its employees, partners or directors with expert knowledge of Insurance based laws. The brokers guide the people for their <a href=\"https:\/\/en.wikipedia.org\/wiki\/Insurance_policy\">insurance policy<\/a> requirements and also provide professional services to its customers and act as a mediator or middleman between an insurance company and a person seeking to purchase insurance policy.<\/p>\n\n\n\n<p><strong>Also, Read:<\/strong> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/learning\/what-documents-required-for-insurance-broker-license-in-india\/\">What are the Documents required for Insurance Broker License?<\/a><\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Types_of_Insurance_Brokers\"><\/span>What are the Types of Insurance Brokers? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Certain types of insurance brokers are:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/02\/Direct-Insurance-Brokers-1.png\" alt=\"Types of Insurance Brokers\" class=\"wp-image-2458\" width=\"588\" height=\"210\" srcset=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/02\/Direct-Insurance-Brokers-1.png 985w, https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/02\/Direct-Insurance-Brokers-1-300x107.png 300w, https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/02\/Direct-Insurance-Brokers-1-768x274.png 768w\" sizes=\"(max-width: 588px) 100vw, 588px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Direct_Insurance_Brokers\"><\/span>Direct Insurance\nBrokers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A direct insurance broker is a person who is\nresponsible for the procurement and solicitation of the business and allows the\nclients to purchase a policy from the website of the insurance company. The\nbroker gets a commission from the insurance company whose policy is sold by\nhim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reinsurance_Broker\"><\/span>Reinsurance\nBroker<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A reinsurance broker is a broker who has the\npower to buy reinsurance on behalf of the insurance company. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Composite_Insurance_Broker\"><\/span>Composite\nInsurance Broker<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This type of broker is an agency who has a\nvalid license to offer the insurance services for general insurance and life\ninsurance. The authority selects the licensing process of a composite insurance\nbroker. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Eligibility_to_obtain_Insurance_Broker_License_in_India\"><\/span>What is the Eligibility\nto obtain Insurance Broker License in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The below mentioned people are eligible to\nobtain insurance broker license in India:<\/p>\n\n\n\n<ul><li>A\ncompany that is registered under the Companies Act 1956 or 2013. <\/li><li>An LLP registered\nunder the Limited Liability Partnership Act, 2008.<\/li><li><strong><a href=\"https:\/\/swaritadvisors.com\/multi-state-co-operative-society-registration\" class=\"text-primary\">Cooperative\nsociety<\/a><\/strong> created and\nregistered under the Co- operative Societies Act, 1912 or any other similar\nlaw.<\/li><li>Any\nother person recognised by the Authority.<\/li><\/ul>\n\n\n\n<p><strong>Note:\n<\/strong>None of the below mentioned\ncan be the partners for the same, if the applicant is a registered LLP.<\/p>\n\n\n\n<ul><li>Any individual\nresiding outside India.<\/li><li>Non-\nResident Entity. <\/li><li>Foreign\n<strong><a href=\"https:\/\/swaritadvisors.com\/limited-liability-partnership-registration\" class=\"text-primary\">Limited\nLiability Partnership<\/a><\/strong> enrolled under the Foreign Country Laws. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Need_for_Insurance_Broker_License_in_India\"><\/span>Need for\nInsurance Broker License in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Insurance Broker License is needed for\nthe following reasons:<\/p>\n\n\n\n<ul><li>To\nensure that insurance policies and products are sold on behalf of the Insurance\nbusiness. <\/li><li>To\nensure the compliance with relevant laws and regulations related to the\ninsurance products. <\/li><li>To\nsupervise the activities and conduct market research relating to insurance\nrelated products. <\/li><li>To act\non behalf of the clients in negotiating for insurance products.<\/li><li>To\nensure an appropriate authority regulates the business relating to insurance.<\/li><li>To\nnegotiate the premiums and policies on behalf of the clients.<\/li><li>The\nInsurance broker license would assure the clients regarding the genuity of the\nbroker.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capital_Amount_Required_for_Insurance_Broker_License\"><\/span>Capital Amount Required\nfor Insurance Broker License<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The insurance broker license is regulated by\nthe IRDA. According to the regulations, following amount is required for a\nlicense:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capital_Requirement\"><\/span>Capital\nRequirement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Direct\nInsurance Broker License- Rs. 75 lakhs.<\/li><li>Reinsurance\nBroker License- Rs. 4 crore.<\/li><li>Composite\nInsurance Broker License- 5 crore.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Net_worth_Requirement\"><\/span>Net worth\nRequirement <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>At the time of the registration, the\ninsurance broker is required to maintain a minimum net worth of Rs. 50 lakhs\nfor direct broker and 50% of the minimum capital requirement for reinsurance\nand composite broker.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deposit_Requirement\"><\/span>Deposit\nRequirement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>According to the category, the applicant is\nrequired to place deposit an amount of Rs. 10 lakhs for Direct Broker and 10%\nof the minimum capital requirement for reinsurance and composite broker with\nthe scheduled bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance_Broker_License_Fee\"><\/span>Insurance Broker\nLicense Fee<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The applicant is required to submit the requisite\nfees as stated below:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-_Refundable_Application_Fees\"><\/span>Non- Refundable\nApplication Fees<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Direct\nBroker- Rs. 25,000.<\/li><li>Reinsurance\nBroker- Rs. 50,000<\/li><li>Composite\nBroker- Rs. 75,000<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Registration_fees\"><\/span>Registration\nfees <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Direct\nBroker- Rs. 50,000<\/li><li>Reinsurance\nBroker- Rs. 2.5 lakhs.<\/li><li>Composite\nBroker- Rs. 2.5 lakhs.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Renewal_Fee_for_a_period_of_3_years\"><\/span>Renewal Fee for\na period of 3 years <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li>Direct\nBroker- Rs. 1 lakh. <\/li><li>Reinsurance\nBroker- Rs. 3 lakhs. <\/li><li>Composite\nBroker- Rs. 5 lakhs. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Procedure_to_obtain_Insurance_Broker_License\"><\/span>Procedure to\nobtain Insurance Broker License<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Step 1: <\/strong>The applicant is required to submit the application for broker license\nin Form B as provided in Schedule I of the IRDA laws.<\/li><li><strong>Step 2: <\/strong>Once the documents are verified, the authority can ask any queries or for\nmore information if needed.<\/li><li><strong>Step 3: <\/strong>On the completion of 30 days from the date of the communication, the\napplicant will be required to submit the necessary documents or information.\nOnce being satisfied that all the conditions are fulfilled by the applicant, the\nauthority shall issue an in- principle approval for the registration.<\/li><li><strong>Step 4: <\/strong>The applicant shall comply with the additional requirement and further submit\nthe license fees with authority, once the in- principle approval is issued.<\/li><li><strong>Step 5: <\/strong>Once the authority is satisfied with the regulations, rules and\nrequirements and guidelines, it shall issue a Certificate of Registration in\nForm- J.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_for_Insurance_Broker_License\"><\/span>Documents Required\nfor Insurance Broker License<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Application\nof insurance broker license along with the necessary information required to be\nsubmitted in Form &#8211; B. <\/li><li>Copy of\nMemorandum of Association of the applicant company.<\/li><li><strong><a href=\"https:\/\/swaritadvisors.com\/learning\/articles-of-association-aoa-and-its-importance\/\" class=\"text-primary\">Articles\nof Association<\/a><\/strong> of the\ncompany of the applicant. <\/li><li>The\napplicant is required to provide information regarding the Principal Officer,\nand mention whether they fulfil the complete criteria in Form G of the Schedule\nI. Also, the applicant is required to assure that they have fulfilled the\ntraining compliances before submitting the application. <\/li><li>Written\ndeclaration of the Principal Officer affirming that they along with the\npartners, direction and other managerial personnel do not suffer from any\ndisqualifications as mentioned under the section- 42D of the Act. <\/li><li>Complete\ndetails of all the directors, partners, promoters and other mail managerial\npersonnel. <\/li><li>To\nprovide bank details and Statutory Auditor. <\/li><li>The\napplicant is required to have infrastructure for registration purpose. And\nhence, the applicant is required to submit the details of the infrastructure\nalong with the application including IT infra, equipment, and workforce and\noffice space. <\/li><li>Current\nand proposed shareholders of the company of the applicant. <\/li><li>Board\nResolution to be furnished, if the company is the shareholder. <\/li><li>Audited\/\nUnaudited financial statement of the company in addition to certificate on net\nworth. <\/li><li>3 years\nprojected business plan. <\/li><li>Organization\nChart with responsibility and accountability of department head. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is clear from the above article as to why insurance broker license is required in India. It is important to register and obtain the insurance broker license so as to conduct the activity of selling insurance products and policies. The Insurance Regulatory and Development Authority (IRDA) Act, 1999 lays down the rules and procedures for obtaining the insurance broker license and the purposes for which it must be used.<\/p>\n\n\n\n<p><strong>Also, Read:<\/strong> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/blog\/start-insurance-brokerage-business\/\">How to Start Insurance Brokerage Business in India<\/a><\/mark><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance Regulatory and Development Authority (IRDA) Act, 1999 provides for the regulations for Insurance Broker License, the objective of the regulations is to monitor and supervise insurance brokers. The Insurance brokers advise people on their insurance need and help them to choose right kind of product. The broker basically acts as a middleman between the [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[44,43],"tags":[404],"acf":[],"_links":{"self":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2455"}],"collection":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2455"}],"version-history":[{"count":4,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2455\/revisions"}],"predecessor-version":[{"id":4140,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2455\/revisions\/4140"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media\/2457"}],"wp:attachment":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}