Introduction
In the IRDAI Assistant Manager 2025 Descriptive English Paper, letter writing is a scoring section that tests your ability to communicate effectively in both formal and informal settings. You’re expected to draft either a formal letter addressing an issue or a request, or an informal letter expressing personal opinions or advice.
Unlike essays or precis, letters follow a fixed format—and if you know it well, you can easily score 10–15 marks with minimal effort.
In this article, Bank Whizz provides the complete letter writing format, tips, tone, structure, and sample letters (both formal and informal) tailored for the IRDAI exam.
Letter Writing: IRDAI Assistant Manager 2025 Exam Overview
| Component | Details |
|---|---|
| Type | Formal or Informal |
| Word Limit | ~150–200 words |
| Marks Allotted | 10–15 marks |
| Evaluation | Format, Tone, Clarity, Grammar, Relevance |
1. Understanding the Difference: Formal vs Informal Letters
| Criteria | Formal Letter | Informal Letter |
|---|---|---|
| Purpose | Official matters, complaints, suggestions | Personal communication |
| Tone | Polite, professional, respectful | Friendly, conversational |
| Address Style | Designation and full name | First name or relation (e.g., nephew, friend) |
| Format Strictness | Strictly follows structure | Slightly relaxed but organized |
2. Format of a Formal Letter
1. Sender’s Address
2. Date
3. Receiver’s Address
4. Subject Line
5. Salutation (e.g., Respected Sir/Madam)
6. Body of the Letter
- Introduction (Purpose of letter)
- Body (Details of the issue/suggestion)
- Conclusion (Expected action/request)
7. Complimentary Close (Yours faithfully/sincerely)
8. Signature or Name
Sample Formal Letter
Question: Write a letter to the municipal commissioner regarding the increasing dog menace in your locality.
Sender’s Address
42/B, Sector-4, Kalyan Nagar
Bengaluru – 560043
Date
March 27, 2025
To
The Municipal Commissioner
BBMP Office
Bengaluru – 560001
Subject: Complaint regarding increasing dog menace in Kalyan Nagar
Respected Sir/Madam,
I am writing to bring to your attention the growing stray dog menace in our locality, Kalyan Nagar. Over the past few months, the number of stray dogs has increased significantly, causing fear among residents, especially children and the elderly.
Several cases of dog bites have been reported recently, and children are often unable to go out and play due to the threat. Nighttime howling and aggressive behavior during the day are creating panic. We fear this could soon lead to a serious public health issue.
We request the BBMP to kindly take immediate action—conduct dog sterilization drives, relocate aggressive dogs, and raise awareness among citizens on dog safety measures.
Looking forward to swift action in the interest of public safety.
Yours faithfully,
Anjali Verma
3. Format of an Informal Letter
1. Sender’s Address
2. Date
3. Salutation (Dear XYZ)
4. Body of the Letter
- Start with warm greeting or reason for writing
- Discuss the topic with examples or emotions
- Conclude with positive notes or advice
5. Complimentary Close (With love, Yours affectionately)
6. Signature or First Name
Sample Informal Letter
Question: Write a letter to your nephew regarding the rampant spread of fake news on social media.
42/B, Sector-4, Kalyan Nagar
Bengaluru – 560043
March 27, 2025
Dear Rohan,
I hope you’re doing well and your studies are going smoothly. I’m writing to share something important that has been bothering me lately—the growing spread of fake news on social media.
Social media can be a great tool for knowledge and networking, but it is also filled with misinformation, clickbait, and rumors. During elections, health emergencies, or natural disasters, fake news spreads faster than truth, causing panic and confusion.
Always verify news before sharing it. Follow only credible sources like official government handles or reputed media outlets. Let’s use technology responsibly and spread awareness among our friends too.
Take care and write back soon.
With love,
Uncle Rakesh
4. Tips to Write High-Scoring Letters
For Both Types of Letters:
- Stick to the word limit: 150–200 words
- Use proper punctuation and paragraph breaks
- Always proofread before submission
- Avoid flowery language or jargon
For Formal Letters:
- Be direct and specific
- Maintain a neutral, respectful tone
- Use proper salutation and subject line
- Avoid personal opinions or emotions
For Informal Letters:
- Write as if you’re talking to the person
- Show care or concern, depending on context
- Keep it positive, warm, and fluid
5. Most Expected Letter Topics for IRDAI Assistant Manager 2025
Formal Letter Topics:
- Complaint regarding insurance claim delay
- Request to IRDAI for grievance redressal
- Letter to the editor on rising health insurance premiums
- Letter to bank manager requesting correction in insurance auto-debit
- Complaint regarding unprofessional behavior of insurance surveyor
- Request to municipal commissioner on road safety concerns
- Suggestion to school principal to introduce financial literacy modules
Informal Letter Topics:
- Letter to your friend encouraging them to get health insurance
- Letter to cousin discussing responsible use of social media
- Letter to your sister sharing views on women’s empowerment
- Letter to a former teacher thanking them for life lessons
- Letter to your younger brother on preparing for competitive exams
6. Common Mistakes to Avoid
| Mistake | Consequence |
|---|---|
| Incorrect format | Leads to deduction of 2–3 marks |
| Using formal tone in informal letter | Makes it feel cold and unnatural |
| Grammar and spelling errors | Reduces clarity and professional value |
| Forgetting subject in formal letter | Affects presentation and intent clarity |
| Using short forms/slang in formal letter | Appears unprofessional |
Practice Routine for Letter Writing
| Day | Task |
|---|---|
| Monday | Write 1 formal letter from insurance theme |
| Tuesday | Write 1 informal letter on social awareness |
| Wednesday | Revise format and practice peer evaluation |
| Thursday | Simulate full descriptive test |
| Friday | Learn 10 powerful openings/closings |
| Saturday | Write letter from previous year IRDAI topic |
| Sunday | Take rest or revise all letters from the week |
Conclusion
The letter writing section of IRDAI Assistant Manager 2025 Descriptive Paper is a high-return, low-risk area—provided you follow the right format and tone. It doesn’t require creativity, but clarity, structure, and consistency.
Practice both formal and informal types. Familiarize yourself with common themes in governance, finance, insurance, and social issues. Bank Whizz offers expertly evaluated mock letters and guided exercises to help you improve fast.