For selling any general insurance product in the Indian Market it is essential to comply with the requirements of File and Use (F&U) guidelines prescribed by IRDA. Insurer is not permitted to offer any product for sale until all queries pertaining to the produce have been satisfactorily resolved after filing and IRDA confirming in writing that it has no further queries in respect of that product. IRDA has the right to question terms and/or issue directions, suspend a product or withdraw from the market if, at any time, it appears to IRDA that it is not appropriate for any reason or does not carry rates, terms and conditions that are fair between the parties or the documents used with the product are in any way unsatisfactory notwithstanding the fact that IRDA may have had no subsisting queries in respect of that product when it was originally filed. The insurer needs to justify the rates, terms and conditions of insurance offered to a particular client or to a class of clients for a particular product while filing the product with IRDA.