Insurance agents are required to give proper post-sales services to policyholders. However, in the event of death, termination or cancellation of licenses of agents, the policyholders attached with the agent suffer in terms of post-sales service. Such clients, whose insurance agents are no longer available for servicing the policies so issued are often termed as “Orphan Policyholders.” IRDAI issued duly issued appropriate guidelines for servicing of orphan policy holders.