Introduction
Essay writing in the IRDAI Assistant Manager Descriptive English Paper is more than just a test of your language skills. It evaluates your ability to think critically, organize your thoughts, present arguments logically, and write in a formal tone within a defined word limit.
In the 2024 exam, aspirants were asked to write one essay out of four choices, including topics on insurance, artificial intelligence, and positive thinking. With a word limit of around 270–300 words, the essay should be structured, precise, and relevant.
This article brings you 30 most expected essay topics for the IRDAI Assistant Manager 2025 Exam, along with tips to write impactful essays and a clear structure to follow.
Essay Writing in IRDAI Assistant Manager Exam: A Quick Overview
| Component | Details |
|---|---|
| Marks Allotted | 30 |
| Word Limit | ~270–300 words |
| Expected Topics | Insurance, Tech, Economy, Ethics |
| Structure | Introduction, Body, Conclusion |
| Evaluation Based On | Clarity, Structure, Grammar, Relevance |
Ideal Structure of the Essay
- Introduction (40–50 words)
- Define or introduce the topic
- Give a hook or context
- Body (160–180 words)
- 2–3 paragraphs elaborating on the issue
- Include facts, examples, policy references
- Conclusion (40–50 words)
- Summarize the main points
- Offer a solution, policy recommendation, or future outlook
Top 30 Essay Topics for IRDAI Assistant Manager 2025
Category A: Insurance & Regulatory Affairs
- Strategies for Achieving Insurance for All by 2047 in India
- Challenges in Penetrating Rural Insurance Markets
- Importance of Policyholder Protection in India’s Insurance Sector
- Role of IRDAI in Strengthening India’s Insurance Ecosystem
- Health Insurance in India: Accessibility, Affordability, and Awareness
- Impact of PMFBY (Pradhan Mantri Fasal Bima Yojana) on Agricultural Insurance
- How Insurance Can Strengthen Disaster Resilience in India
- Cyber Insurance: A New Frontier in Risk Management
- The Role of Microinsurance in Financial Inclusion
- InsurTech: Transforming the Insurance Sector Through Innovation
Category B: Finance, Economy & Development
- The Future of India’s Financial Sector in a Digital World
- How Insurance Contributes to Economic Growth
- Financial Literacy: A Key to Economic Empowerment
- Public-Private Partnerships in India’s Development Story
- Making India a Global Financial Hub: Challenges and Solutions
- Pension and Retirement Planning in a Changing Demographic Landscape
Category C: Technology & Innovation
- Artificial Intelligence in Insurance: Pros, Cons, and the Way Forward
- Big Data and Analytics in Risk Assessment
- Blockchain in Insurance: Hype or Reality?
- Impact of Digital Transformation on the BFSI Sector
- Role of Technology in Promoting Financial Inclusion
Category D: Ethics, Leadership & Governance
- Ethical Leadership is the Need of the Hour
- Transparency and Accountability in Financial Institutions
- The Role of Good Governance in Public Policy Implementation
- The Importance of Trust in the Insurance Sector
Category E: General & Abstract Topics
- The Power of Positive Thinking
- Women Empowerment and Economic Growth
- Work-Life Balance in the Post-Pandemic World
- Climate Change and Sustainable Development in India
- Youth as Catalysts for Nation Building
How to Prepare These Topics
- Create Category-wise Notes
- Keep bullet points and data ready for each topic
- Focus on structure rather than memorizing full essays
- Use Real-Life Examples
- Refer to schemes like Ayushman Bharat, PMJJBY, or UPI adoption
- Mention IRDAI guidelines, RBI circulars, or government policies
- Stay Updated with Current Affairs
- Read newspapers like The Hindu, Indian Express, and Business Line
- Follow IRDAI’s website for notifications, reports, and initiatives
- Practice Timed Essays (20 minutes)
- Use a stopwatch to simulate real exam conditions
- Get your essays reviewed by mentors or peers
Sample Essay Framework
Topic: Artificial Intelligence in Insurance: Pros, Cons, and the Way Forward
Introduction
Artificial Intelligence (AI) is revolutionizing the insurance industry by automating underwriting, enhancing customer experience, and improving fraud detection. However, its adoption must be balanced with ethical and regulatory considerations.
Body
AI allows insurers to process claims faster, personalize policies, and predict risks more accurately. Chatbots and robo-advisors are redefining customer service. Yet, concerns like algorithmic bias, data privacy, and job displacement persist. Moreover, AI-based decisions often lack transparency, leading to trust issues among policyholders. Regulators like IRDAI must frame clear guidelines to ensure AI adoption does not compromise fairness or accountability.
Conclusion
AI has the potential to make insurance more efficient and inclusive. A balanced approach that combines innovation with ethical governance will ensure sustainable and responsible growth of AI in insurance.
Common Mistakes to Avoid in Essay Writing
| Mistake | Why It Hurts |
|---|---|
| Exceeding or falling short of word limit | Shows lack of structure and time control |
| Weak Introduction | Fails to engage the examiner |
| No paragraphing | Makes the essay unreadable |
| Repetition of ideas | Reduces impact and coherence |
| Incorrect grammar or punctuation | Affects readability and professionalism |
| Lack of real-world relevance | Appears vague or superficial |
Evaluation Criteria: What Examiners Look For
- Structure – Intro, Body, Conclusion clearly defined
- Clarity of Ideas – Logical flow and simplicity
- Grammar & Vocabulary – Formal, error-free English
- Relevance to Topic – No drifting or off-topic writing
- Use of Examples – Realistic and policy-based references
Recommended Practice Routine
| Day | Task |
|---|---|
| Monday | Write one essay from Category A |
| Tuesday | Write one from Category B or D |
| Wednesday | Review & rewrite previous essays |
| Thursday | Attempt a timed 3-section mock (Essay + Precis + RC) |
| Friday | Focus on grammar and vocabulary |
| Saturday | Review IRDAI notifications and news |
| Sunday | Write on an abstract topic from Category E |
Conclusion
The essay section in the IRDAI Assistant Manager 2025 Descriptive English Paper offers a golden opportunity to score well—if approached correctly. With the right preparation, clear structure, and practice on relevant topics like the ones listed here, you can write high-scoring essays with confidence.
Focus on substance, support your arguments with data, and express your thoughts clearly. Bank Whizz is here to guide you every step of the way—with mock tests, evaluated answers, and expert mentorship.