{"id":3828,"date":"2024-12-03T07:23:57","date_gmt":"2024-12-03T07:23:57","guid":{"rendered":"https:\/\/advisou.com\/blog\/?p=3828"},"modified":"2026-01-08T12:06:25","modified_gmt":"2026-01-08T12:06:25","slug":"broker-license-requirements-a-complete-guide","status":"publish","type":"post","link":"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/","title":{"rendered":"Broker License Requirements: A Complete Guide"},"content":{"rendered":"\n<p>The financial and insurance sectors heavily rely on brokers for various endevours like product promotion, risk assessment, specialized advisory, etc. If you want to comprehend the broker license requirements, this guide has your back as it spans all information from the basics of who can be a broker, types of brokers, registration process, to the paperwork required, etc. So, dive straight in without any ado.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Who_is_an_Insurance_Broker\" >Who is an Insurance Broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Categories_of_Insurance_Brokers\" >Categories of Insurance Brokers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Functions_of_Different_Brokers\" >Functions of Different Brokers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Eligibility_Criteria_for_Broker_Registration\" >Eligibility Criteria for Broker Registration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Broker_License_Application_Process\" >Broker License Application Process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Key_Requirements_for_Broker_License\" >Key Requirements for Broker License<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Secure_Your_Broker_License_with_Ease_%E2%80%93_Partner_with_Advisou\" >Secure Your Broker License with Ease \u2013 Partner with Advisou!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Why_Choose_Advisou\" >Why Choose Advisou?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/advisou.com\/blog\/broker-license-requirements-a-complete-guide\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_is_an_Insurance_Broker\"><\/span>Who is an Insurance Broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An insurance broker refers to the professionals that fall under the IRDAI\u2019s ambit, catering to a number of services such as promoting insurance products, assisting clients with decision-making, and closing deals on behalf of the insurance company. These brokers can render these services against a fee or remuneration. Brokers are required to follow the norms under the Insurance Brokers Regulations, 2018.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Categories_of_Insurance_Brokers\"><\/span>Categories of Insurance Brokers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Technically, there are 5 types of insurance brokers, each adhering to different requirements and services. Here\u2019s the breakdown of what are their area of specialization.<\/p>\n\n\n\n<p><strong>Direct Broker (Life):<\/strong> Deals with life insurance policies.<\/p>\n\n\n\n<p><strong>Direct Broker (General):<\/strong> Specializes in non-life insurance products such as health, motor, or home insurance.<\/p>\n\n\n\n<p><strong>Direct Broker (Life &amp; General):<\/strong> Handles both life and general insurance.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reinsurance Broker:<\/strong> Focuses on arranging reinsurance contracts for insurance companies.<\/li>\n\n\n\n<li><strong>Composite Broker:<\/strong> Offers services for both insurance and reinsurance.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<p>Each category has specific <a href=\"https:\/\/advisou.com\/services\/insurance-broker-license\"><strong>broker license<\/strong><\/a> requirements and functions, which we will be discussing in detail later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Functions_of_Different_Brokers\"><\/span>Functions of Different Brokers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s understand what are the roles and responsibilities of different brokers that fall under the<strong> IRDAI<\/strong><sup><a href=\"https:\/\/irdai.gov.in\/\" target=\"_blank\" rel=\"noopener\"><strong>[1]<\/strong><\/a><\/sup>:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Functions of a Direct Broker<\/strong><\/h3>\n\n\n\n<p>Direct brokers primarily assist clients with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understanding insurance products and making an informed decision.<\/li>\n\n\n\n<li>Submitting insurance quotes and negotiating terms.<\/li>\n\n\n\n<li>Account creation on the respective portal and submitting premium.<\/li>\n\n\n\n<li>Claims management and settlement.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Functions of a Reinsurance Broker<\/strong><\/h3>\n\n\n\n<p>Reinsurance brokers specialize in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Helping insurers oversee diverse risks by negotiating reinsurance contracts.<\/li>\n\n\n\n<li>Providing insights into global reinsurance markets, enabling firms to expand their footprint.<\/li>\n\n\n\n<li>Assisting in claims settlement and documenting key processes and records.<\/li>\n\n\n\n<li>Ensuring compliance with required regulations<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Functions of a Composite Broker<\/strong><\/h3>\n\n\n\n<p>Composite brokers can plunge into the profile of direct and reinsurance brokers simultaneously, catering to several tasks. They are obligated to comply with IRDAI regulations while providing insurance-related services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_for_Broker_Registration\"><\/span>Eligibility Criteria for Broker Registration<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To obtain a broker license, applicants must adhere to the following broker license requirements outlined by IRDAI. Here\u2019s a summary:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><em>Aspect<\/em><\/strong><\/td><td><strong><em>Requirements<\/em><\/strong><\/td><\/tr><tr><td>Corporate Structure<\/td><td>&#8211; Companies under the Companies Act, 2013.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; LLPs registered under the LLP Act, 2008.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; Cooperative societies registered under relevant acts.<\/td><\/tr><tr><td>Capital Requirements<\/td><td>&#8211; Direct Broker: \u20b975 lakhs.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; Reinsurance Broker: \u20b94 crores.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; Composite Broker: \u20b95 crores.<\/td><\/tr><tr><td>Net Worth<\/td><td>&#8211; Direct Broker: \u20b950 lakhs.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; Reinsurance\/Composite Broker: 50% of the minimum capital required.<\/td><\/tr><tr><td>Office Infrastructure<\/td><td>Brokers must have adequate office space, trained staff, and IT systems.<\/td><\/tr><tr><td>Professional Qualifications<\/td><td>&#8211; At least two qualified personnel must be employed.<\/td><\/tr><tr><td>&nbsp;<\/td><td>&#8211; A Principal Officer must be responsible for compliance and operations.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker_License_Application_Process\"><\/span>Broker License Application Process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To obtain a license, applicants must follow a structured process:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Step 1: File Online Registration:<\/strong><\/h3>\n\n\n\n<p>Visit the IRDAI official portal and register your application. Create a login in order to access the application form.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Step 2: Submission of Form B:<\/strong><\/h3>\n\n\n\n<p>Complete Form B with the legitimate details. Refer to Schedule I of the Insurance Brokers Regulations for this purpose. Once done, upload the required documents as cited in Form C.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Step 3: Fee Payment:<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><em>Type of Broker<\/em><\/strong><\/td><td><strong><em>Application Fee<\/em><\/strong><\/td><td><strong><em>Registration Fee<\/em><\/strong><\/td><\/tr><tr><td>Direct Broker<\/td><td>\u20b925,000<\/td><td>\u20b950,000<\/td><\/tr><tr><td>Reinsurance Broker<\/td><td>\u20b950,000<\/td><td>\u20b91,50,000<\/td><\/tr><tr><td>Composite Broker<\/td><td>\u20b975,000<\/td><td>\u20b92,50,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Step 4: In-Principle Approval:<\/strong><\/h3>\n\n\n\n<p>If all requirements are fulfilled, the authority i.e. IRDAI shall issue the in-principle approval, which serves as a pre-registration certification to pursue business operations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Step 5: Certificate of Registration:<\/strong><\/h3>\n\n\n\n<p>If the applicant firm abides by the in-principal approvals norms and the authority affirms the same, the final license shall be granted to the applicant firm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Requirements_for_Broker_License\"><\/span>Key Requirements for Broker License<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Professional Indemnity Insurance<\/strong><\/h3>\n\n\n\n<p>All brokers must maintain professional indemnity insurance throughout the license validity period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Deposit Requirements<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Direct Broker: \u20b910 lakhs in a scheduled bank.<\/li>\n\n\n\n<li>Reinsurance\/Composite Broker: 10% of the minimum capital contribution.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Compliance with IRDAI Regulations<\/strong><\/h3>\n\n\n\n<p>Brokers must ensure that their operations align with the IRDAI guidelines, including reporting financial performance and maintaining ethical standards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Secure_Your_Broker_License_with_Ease_%E2%80%93_Partner_with_Advisou\"><\/span>Secure Your Broker License with Ease \u2013 Partner with Advisou!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Becoming a certified broker is a matter of adhering to endless compliances and complicated paperwork. With Advisou, a premier regulatory agency, at your side, you can ease the blow for getting IRDAI approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Choose_Advisou\"><\/span>Why Choose Advisou?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A Robust Network of Professionals<\/strong><\/h3>\n\n\n\n<p>Navigating the licensing maze is easier with a trusted network. Advisou has reinforced connections with leading industry professionals well-versed in licence norms and IRDAI registration, ensuring you get access to best resources and insights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Expertise in Compliance and Paperwork<\/strong><\/h3>\n\n\n\n<p>We handle the complexity so you do not have to. From unlocking legal requirements to overseeing paperwork, our seasoned professionals ensure every requirement is duly filled and submitted on time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Proven Track Record<\/strong><\/h3>\n\n\n\n<p>Hundreds of satisfied clients are the testament to our unwavering presence in the insurance sector. We take pride in securing IRDAI in a timely manner while ensuring adherence to what\u2019s importance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Customized Support<\/strong><\/h3>\n\n\n\n<p>Every client is unique, and so is our approach. Advisou tailors its strategies to meet your specific needs, ensuring a smooth and stress-free experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding and adhering to broker license requirements is crucial for anyone looking to establish a successful brokerage business. By following the IRDAI norms and maintaining compliance, brokers can reinforce credibility, build trust, ensure seamless operations, etc.<\/p>\n\n\n\n<p><strong>Also Read:<\/strong>&nbsp;<a href=\"https:\/\/advisou.com\/blog\/irdai-health-insurance-regulations\/\">IRDAI Health Insurance Regulations: A Comprehensive Guide<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>1. What are the main types of insurance brokers?<\/strong><\/h3>\n\n\n\n<p>There are five types: Direct Broker (Life), Direct Broker (General), Direct Broker (Life &amp; General), Reinsurance Broker, and Composite Broker.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>2. What is the minimum capital required for a Direct Broker license?<\/strong><\/h3>\n\n\n\n<p>The minimum capital required for a Direct Broker license is \u20b975 lakhs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>3. Can foreign investors participate in insurance brokerage businesses in India?<\/strong><\/h3>\n\n\n\n<p>Yes, foreign investors can invest in Indian insurance brokerage firms, subject to compliance with IRDAI and FEMA regulations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>4. How long does the registration process take?<\/strong><\/h3>\n\n\n\n<p>The duration varies, but in-principle approval is granted after verifying all requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>5. What is the validity of the broker license?<\/strong><\/h3>\n\n\n\n<p>Broker licenses are typically valid for three years and require renewal thereafter.<a href=\"https:\/\/advisou.com\/blog\/2024\/12\/02\/\"><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\",<br \/>\n  \"@type\": \"FAQPage\",<br \/>\n  \"mainEntity\": [{<br \/>\n    \"@type\": \"Question\",<br \/>\n    \"name\": \"What are the main types of insurance brokers?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"There are five types: Direct Broker (Life), Direct Broker (General), Direct Broker (Life & General), Reinsurance Broker, and Composite Broker.\"<br \/>\n    }<br \/>\n  },{<br \/>\n    \"@type\": \"Question\",<br \/>\n    \"name\": \"What is the minimum capital required for a Direct Broker license?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"The minimum capital required for a Direct Broker license is \u20b975 lakhs.\"<br \/>\n    }<br \/>\n  },{<br \/>\n    \"@type\": \"Question\",<br \/>\n    \"name\": \"Can foreign investors participate in insurance brokerage businesses in India?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"Yes, foreign investors can invest in Indian insurance brokerage firms, subject to compliance with IRDAI and FEMA regulations.\"<br \/>\n    }<br \/>\n  },{<br \/>\n    \"@type\": \"Question\",<br \/>\n    \"name\": \"How long does the registration process take?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"The duration varies, but in-principle approval is granted after verifying all requirements.\"<br \/>\n    }<br \/>\n  },{<br \/>\n    \"@type\": \"Question\",<br \/>\n    \"name\": \"What is the validity of the broker license?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"Broker licenses are typically valid for three years and require renewal thereafter.\"<br \/>\n    }<br \/>\n  }]<br \/>\n}<br \/>\n<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>The financial and insurance sectors heavily rely on brokers for various endevours like product promotion, risk assessment, specialized advisory, etc. If you want to comprehend the broker license requirements, this guide has your back as it spans all information from the basics of who can be a broker, types of brokers, registration process, to the [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3831,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[780],"tags":[856,859,860],"class_list":["post-3828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-broker-license-blog","tag-broker-license-requirements","tag-requirements-for-broker-license","tag-types-of-insurance-broker-license"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/3828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/comments?post=3828"}],"version-history":[{"count":7,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/3828\/revisions"}],"predecessor-version":[{"id":6420,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/3828\/revisions\/6420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/media\/3831"}],"wp:attachment":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/media?parent=3828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/categories?post=3828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/tags?post=3828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}