In order to increase distribution footprint in the insurance industry, the Insurance Regulatory and Development Authority of India (Irdai) has allowed the licensing of more feet on the street. Called point of sales persons (PoSP), these distributors can be on-boarded quickly since they have lower qualification, training and certification criteria as compared to regular agents. Irdai has allowed these individuals to sell only basic and easy to understand insurance products. In the life insurance space, the regulator identified pure-term insurance plans with and without return of premium, non-linked (non-participating) endowment and money-back plans that state the investment benefits upfront, and immediate annuity, as products that can be sold by these distributors.