Agent Verification

Endpoint Overview

POST /api/v1/irdai/verify

Description

The IRDAI Agent Verification API allows you to retrieve comprehensive information about insurance agents registered with the Insurance Regulatory and Development Authority of India (IRDAI). By providing a PAN number, you can access detailed information about an agent's personal details, appointment status, agency information, and licensing details. This API helps verify the legitimacy and current status of insurance agents, ensuring compliance and reducing fraud in insurance transactions.

Key Benefits

Instant Verification: Quickly validate the authenticity of insurance agents using their PAN number

Comprehensive Agent Details: Access complete information including appointment status, agency code, and insurer details

Fraud Prevention: Verify agent credentials before engaging in insurance transactions

Regulatory Compliance: Ensure you're working with properly licensed and active insurance agents

Use Cases

Insurance Companies

Financial Services

Consumers

Verify credentials of potential agent recruits during the hiring process

Audit existing agent network for compliance and up-to-date certifications

Validate agent status before processing commission payments

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer TOKEN.

Different authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.io

Production: https://kyc-api.surepass.io

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	Bearer token for authentication (JWT format)
Content-Type	Yes	Application/json

Request Body

Parameter	Type	Required	Description
id_number	String	Yes	PAN number of the insurance agent to verify (e.g., "AYEPJ1234F")
get_pdf_report	Boolean	No	To get IRDAI pdf report

Example Request

{
    "id_number": "AYEPJ1234F"
}

Process Response

Response Parameters

Parameter	Type	Description
data	Object	Container for the response data
data.client_id	String	Unique identifier for the verification request
data.id_number	String	PAN number that was submitted for verification
data.results	Array	List of agent records found (typically contains one object)
data.pdf_report	String	Pdf report link
status_code	Integer	HTTP status code indicating the result of the request
success	Boolean	Indicates whether the API call was successful
message	String	Human-readable description of the response status
message_code	String	Machine-readable code representing the response status

Results Object Parameters

Parameter	Type	Description
agent_name	String	Full name of the insurance agent
date_of_birth	String	Agent's date of birth in YYYY-MM-DD format
insurer_type	String	Category of insurance the agent is authorized to sell (e.g., Life, Health, Property)
insurer	String	Name of the insurance company the agent represents
agency_code	String	Unique code assigned to the agent by the insurer
date_of_appointment	String	Date when the agent was appointed in YYYY-MM-DD format
status_of_agency	String	Current status of the agent (e.g., Active, Terminated)
status_change_date	String	Date when the agent's status last changed in YYYY-MM-DD format
license_no	String	Agent's license number (if applicable)

Example Successful Response

{
    "data": {
        "client_id": "irdai_verify_ipaWzqgqDwORpkCVpkQw",
        "id_number": "AYEPJ1234F",
        "results": [
            {
                "agent_name": "P.S. JOHRI",
                "date_of_birth": "1996-06-17",
                "insurer_type": "Life",
                "insurer": "HDFC Life Insurance Company Limited",
                "agency_code": "HDF 01000000",
                "date_of_appointment": "2021-03-20",
                "status_of_agency": "Terminated for Non Fulfilment of Minimum business Guarantee",
                "status_change_date": "2022-09-02",
                "license_no": ""
            }
        ],
        "pdf_report": null
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid PAN

Agent Not Found

Authentication Error

{
    "status_code": 400,
    "success": false,
    "message": "Invalid PAN format",
    "message_code": "invalid_input"
}

The provided PAN number does not match the required format.

Integration Best Practices

Security Recommendations

Store API credentials securely and never expose them in client-side code

Implement proper error handling to avoid exposing sensitive information in error messages

Use HTTPS for all API communications to ensure data is encrypted in transit

Implement rate limiting on your end to prevent abuse of the API

User Experience Guidelines

Validate PAN format on the client-side before making API calls to reduce unnecessary requests

Implement clear error messages for end-users when verification fails

Display agent status prominently to ensure users understand if an agent is active or terminated

Cache verification results (with appropriate TTL) to improve performance for repeated lookups

Code Samples

cURL

Python

Node.js

Related APIs

PAN Verification API: Verify PAN card details

IRDAI License Verification API: Verify insurance broker licenses

Agent History API: Retrieve historical appointment records for insurance agents

Compliance and Legal Considerations

The information provided by this API is sourced from IRDAI records and should be used in compliance with applicable insurance regulations. The data should be used only for legitimate verification purposes and not for marketing or solicitation without proper consent. Ensure you comply with data privacy regulations when storing or processing the information retrieved through this API.

{ "data": { "client_id": "irdai_verify_ipaWzqgqDwORpkCVpkQw", "id_number": "AYEPJ1234F", "results": [ { "agent_name": "P.S. JOHRI", "date_of_birth": "1996-06-17", "insurer_type": "Life", "insurer": "HDFC Life Insurance Company Limited", "agency_code": "HDF 01000000", "date_of_appointment": "2021-03-20", "status_of_agency": "Terminated for Non Fulfilment of Minimum business Guarantee", "status_change_date": "2022-09-02", "license_no": "" } ], "pdf_report": null }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Agent Verification

Agent Verification#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

Example Request#

Response Parameters#

Results Object Parameters#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses

Agent Verification

Description

Use Cases

Technical Implementation

Request Headers

Request Body

Example Request

Response Parameters

Results Object Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples