Author

Krit Sharma

Co Founder and CEO, RiskPe

About

Krit Sharma is Co Founder and CEO of RiskPe. He brings hands on industry experience from 2 years in broker relationship management for commercial insurance at ICICI Lombard, along with a licentiate certification in insurance. Krit leads RiskPe's mission of building a fee based, commission free insurance advisory model for individuals and businesses across India, based in Jaipur, Rajasthan.

Articles by Krit Sharma

5 articles on insurance distribution, the fee-based advisory model and the Indian insurtech market.

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Building RiskPe — Why We Rejected the Commission Model in a Multi-Billion-Dollar Insurtech Market

A founder’s account of building a fee-based, zero-commission insurance advisory from Jaipur rather than a metro hub — what we gave up by refusing commission, what it bought us, and why the harder revenue model was the point.

Krit Sharma12 Aug 2026
RiskPeKrit SharmaFounder Story
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Mapping India’s Insurance Distribution Models — Aggregators, D2C Insurers, Agent-Tech and Fee-Based Advisory

A category map of how insurance actually reaches Indian customers: the marketplace model, the direct-to-consumer insurer, agent enablement platforms, embedded distribution, and the fee-based advisory layer. Who pays whom in each, what each optimises for, and where the economics break.

Krit Sharma12 Aug 2026
Insurance DistributionInsurtech IndiaMarket Map
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Why Fee-Based Insurance Advisory is India’s Next Insurtech Opportunity — A Market Thesis

India has 738 insurtech startups and $4.44B of cumulative funding, almost all of it deployed against distribution and underwriting. Nobody has built the fee-paid advisory layer that SEBI’s RIA framework created for investments. This is the thesis for why that category exists and why it is currently empty.

Krit Sharma12 Aug 2026
Insurtech IndiaMarket ThesisFee Based Advisory
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AI Just Hijacked Insurance — And It’s About Time

Insurance has always refused to evolve. Meanwhile AI is writing poetry, diagnosing diseases, and driving cars. Finally, insurance is catching up.

Krit Sharma21 Oct 2024
AI in InsuranceInsurance TechnologyInsurance Industry
Read on Medium
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Insured if Profitable, Denied if Risky

Insurance companies are often hailed as the ultimate safety net, but how safe can they be if they refuse to write risks? A look at insurance practice in India.

Krit Sharma12 Jun 2024
Insurance Practice in IndiaInsurance for allRiskPe
Read on Medium

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