{"id":5118,"date":"2025-12-03T10:28:39","date_gmt":"2025-12-03T10:28:39","guid":{"rendered":"https:\/\/advisou.com\/blog\/?p=5118"},"modified":"2026-02-11T08:48:38","modified_gmt":"2026-02-11T08:48:38","slug":"irda-registration","status":"publish","type":"post","link":"https:\/\/advisou.com\/blog\/irda-registration\/","title":{"rendered":"IRDA Registration \u2013 What It Means &amp; Why It Matters"},"content":{"rendered":"\n<p>If you intend to run an insurance business in India \u2014 be it life insurance, general insurance, health insurance, or even re-insurance \u2014 you can\u2019t just dive in with publicity. Your venture must be formally registered with the Insurance Regulatory and Development Authority of India (IRDAI). This process of formal registration \u2014 commonly referred to as IRDA Registration \u2014 is not just a bureaucratic hoop; it\u2019s the stamp of regulatory approval that ensures the business operates within India\u2019s defined legal and financial framework.&nbsp;<\/p>\n\n\n\n<p>Without <a href=\"https:\/\/advisou.com\/services\/insurance-broker-license\"><strong>IRDA registration<\/strong><\/a>, no company or entity can lawfully solicit or underwrite insurance. That means: no selling of policies, no protection to customers, and \u2014 in worst cases \u2014 legal trouble. By securing that registration, a business gains legitimacy, access to the regulated insurance market, and the trust that comes wrapped with compliance.<\/p>\n\n\n\n<p>In the aftermath of regulatory updates (like the consolidated registration regulations of 2024), the onus on meeting all legal requirements \u2014 capital adequacy, disclosures, proper documentation \u2014 has only grown. So, if you\u2019re thinking \u201cIRDA Registration? think again. It\u2019s your legal key to the ever-thriving insurance sector.&nbsp;<\/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\/irda-registration\/#Who_Can_Apply_for_IRDA_Registration\" >Who Can Apply for IRDA Registration<\/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\/irda-registration\/#The_Procedure_Step-by-Step_for_IRDA_Registration\" >The Procedure: Step-by-Step for IRDA Registration<\/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\/irda-registration\/#Legal_Regulatory_Nuances_What_to_Watch_Out_For\" >Legal &amp; Regulatory Nuances: What to Watch Out For<\/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\/irda-registration\/#Benefits_of_Getting_IRDAI_Registration\" >Benefits of Getting IRDAI 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\/irda-registration\/#Common_Pitfalls_What_to_Avoid\" >Common Pitfalls &amp; What to Avoid<\/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\/irda-registration\/#Conclusion\" >Conclusion<\/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\/irda-registration\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Can_Apply_for_IRDA_Registration\"><\/span><strong>Who Can Apply for IRDA Registration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not just anyone can say, \u201cHey \u2014 I want to start insuring people.\u201d The applicant for IRDA registration must satisfy several structural, financial, and legal requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant must be a public limited company incorporated under the Companies Act, 2013 (or 1956, if an older company \u2014 though new registrations follow 2013).<br><\/li>\n\n\n\n<li>Alternatively, under certain conditions, a co-operative society may also apply.<br><\/li>\n\n\n\n<li>The company\u2019s name must include words like \u201cinsurance,\u201d \u201cassurance,\u201d or \u201creinsurance\u201d \u2014 this is mandatory as per regulation.<br><\/li>\n\n\n\n<li>If the applicant includes foreign promoters (i.e., foreign investment), foreign equity must comply with the prescribed limits (for example, foreign holding typically capped \u2014 e.g., not exceeding 26% in some cases).&nbsp;<\/li>\n\n\n\n<li>The promoters\/directors must be &#8220;fit and proper&#8221; persons (no past disqualifications such as criminal fraud, misrepresentation, etc.).<\/li>\n<\/ul>\n\n\n\n<p>Thus, IRDA registration isn\u2019t for individuals or casual entrepreneurs \u2014 it\u2019s for serious entities with proper corporate structure, funds, and compliance readiness.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Procedure_Step-by-Step_for_IRDA_Registration\"><\/span><strong>The Procedure: Step-by-Step for IRDA Registration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s how the IRDA Registration (for an insurance company or insurer) typically unfolds:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Obtain a No-Objection Certificate (NOC)<\/strong><\/h4>\n\n\n\n<p>Before you can even incorporate a company with \u201cinsurance\/assurance\/reinsurance\u201d in its name, you must first secure a No-Objection Certificate (NOC) from IRDAI. This NOC validates that the name is acceptable and clears the path for formal incorporation.&nbsp;<\/p>\n\n\n\n<p>Once issued, the NOC is valid for 6 months \u2014 applicants must then submit their registration application within that window.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>File Application \u2014 Form IRDAI\/R1<\/strong><\/h4>\n\n\n\n<p>After incorporation, the formal application for registration is filed using Form IRDAI\/R1. The application must include a set of basic enclosures: certified copies of Memorandum and Articles of Association (MOA &amp; AOA), names and addresses of directors, the class of insurance business proposed, and a statement indicating the sources of share capital.&nbsp;<\/p>\n\n\n\n<p><strong>IRDAI<\/strong><sup><a href=\"https:\/\/irdai.gov.in\/\/\" target=\"_blank\" rel=\"noopener\"><strong>[1]<\/strong><\/a><\/sup> reviews the application; they may ask for further clarifications or additional information if needed.&nbsp;<\/p>\n\n\n\n<p>If satisfied, IRDAI issues a provisional registration requisition (still under Form IRDAI\/R1 validity) and invites you to submit the full registration application (Form IRDAI\/R2).&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Submit Detailed Application \u2014 Form IRDAI\/R2<\/strong><\/h4>\n\n\n\n<p>In Form IRDAI\/R2, the applicant must provide comprehensive documentation and assurances, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof that the required paid-up equity capital is deposited (minimum \u20b9100 crore for life, general, or health insurance; \u20b9200 crore for reinsurance).<br><\/li>\n\n\n\n<li>Affidavit from promoters and principal officer stating compliance, and that paid-up capital requirement is met (excluding preliminary expenses).<br><\/li>\n\n\n\n<li>Statement of distinctive share numbers issued to each promoter\/shareholder.<br><\/li>\n\n\n\n<li>Certified copy of the company\u2019s prospectus (if applicable).<br><\/li>\n\n\n\n<li>Standard forms of the insurance policies to be offered \u2014 including statements of rates, benefits, terms &amp; conditions. For life insurance business, an actuary\u2019s certificate attesting that the rates and benefits are workable and actuarially sound is mandatory.<br><\/li>\n\n\n\n<li>Certificate from a practicing Chartered Accountant or Company Secretary confirming that statutory conditions (capital, fees, deposits, etc.) have been complied with.<br><\/li>\n\n\n\n<li>Payment of the prescribed fee \u2014 currently \u20b950,000 per class of business.<br><\/li>\n<\/ul>\n\n\n\n<p>IRDAI may also require additional documents depending on the shareholding pattern (for foreign promoters), or other regulatory clarifications.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Grant of Certificate \u2014 Form IRDAI\/R3<\/strong><\/h4>\n\n\n\n<p>Once the application is accepted and compliance verified, IRDAI issues a Certificate of Registration (Form IRDAI\/R3). This certifies that the entity is now a legitimate insurance business and can commence operations.&nbsp;<\/p>\n\n\n\n<p>The business must begin operations within 12 months of certificate issuance. If you fail to start within that period, you need to apply for an extension; else the certificate may lapse.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ongoing Compliance &amp; Renewal<\/strong><\/h4>\n\n\n\n<p>After commencement, the company must follow all guidelines laid down by IRDAI \u2014 around financial reporting, solvency, policy terms, consumer protection, and more.&nbsp;<\/p>\n\n\n\n<p>In the case of certain intermediaries (agents, brokers, marketing firms), periodic renewals or re-certification may be required based on license type.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal_Regulatory_Nuances_What_to_Watch_Out_For\"><\/span><strong>Legal &amp; Regulatory Nuances: What to Watch Out For<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Given that the regulatory framework is dynamic, it\u2019s essential to keep your ear to the ground. Some key legal\/regulatory aspects to note:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Under the latest IRDAI (Registration of Indian Insurance Companies) Regulations, 2022, an applicant can apply for only one class of insurance business per registration (life, general, health, re-insurance, or other specified class).<br><\/li>\n\n\n\n<li>The name criteria \u2014 requiring \u201cinsurance\/assurance\/reinsurance\u201d \u2014 is strict. Use of a name without these keywords can lead to rejection.<br><\/li>\n\n\n\n<li>If the company has foreign shareholders\/promoters, the foreign shareholding must respect the prescribed cap (e.g. often not more than 26%), and structural disclosures (MOUs, shareholding pattern, origin of capital, etc.) must be detailed.<br><\/li>\n\n\n\n<li>The financial requirement \u2014 especially capital adequacy \u2014 is non-negotiable: \u20b9100 crore for standard insurance; \u20b9200 crore for re-insurance. This ensures that only serious players with deep pockets enter the market.<br><\/li>\n\n\n\n<li>IRDAI evaluates not just financials but promoters\u2019 integrity and the viability of proposed insurance products (especially for life insurance with actuarial certification). If product terms (rates, benefits) look unsound, IRDAI can reject.<br><\/li>\n\n\n\n<li>Time-bound compliance: once registration is granted, the company must commence business within 12 months. Delays may lead to forfeiture or demand for re-application.<br><\/li>\n<\/ul>\n\n\n\n<p>In short: IRDA registration isn\u2019t a \u201conce-and-done\u201d affair. It\u2019s a commitment \u2014 financial, structural, ethical.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_Getting_IRDAI_Registration\"><\/span><strong>Benefits of Getting IRDAI Registration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Why go through all this trouble? Because the benefits are substantial \u2014 not just for the business, but for customers, too.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Legitimacy &amp; Legal Right to Operate<\/strong><\/h4>\n\n\n\n<p>Registration extends the legal right to operate as an insurer \u2014 and only registered entities can legally underwrite or sell insurance. Without this, everything is off the books.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Regulatory Oversight &amp; Consumer Protection<\/strong><\/h4>\n\n\n\n<p>Under the aegis of IRDAI, registered insurers must follow standardized norms for policy terms, disclosures, solvency, and claims. This builds trust with customers and reduces likelihood of fraud or mis-selling.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Access to Formal Capital &amp; Institutional Funding<\/strong><\/h4>\n\n\n\n<p>Meeting capital requirements (\u20b9100\/\u20b9200 crore) ensures that only well-funded entities can issue policies; this boosts overall sector stability and reassures policyholders.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Product Credibility &amp; Actuarial Soundness<\/strong><\/h4>\n\n\n\n<p>Especially for life insurance, actuarial certification of policy terms ensures that promised benefits are sustainable \u2014 protecting both insurer and insured.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Growth &amp; Diversification Opportunities<\/strong><\/h4>\n\n\n\n<p>Once registered, the entity can issue multiple policies, expand to different classes (if separately registered), tie up with banks\/agents, and scale operations \u2014 something not possible without IRDA approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Pitfalls_What_to_Avoid\"><\/span><strong>Common Pitfalls &amp; What to Avoid<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even with the best intentions, some applicants falter because they overlook critical points:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Underestimating capital requirements.<\/strong> Trying to run insurance with insufficient capital is a non-starter.<br><\/li>\n\n\n\n<li><strong>Improper corporate structure or naming.<\/strong> If the company isn\u2019t incorporated properly or naming doesn\u2019t meet criteria (e.g. missing \u201cinsurance\u201d), application will be rejected.<br><\/li>\n\n\n\n<li><strong>Weak disclosures or sketchy shareholding (especially foreign promoters).<\/strong> IRDAI scrutinizes shareholding patterns, MOUs, foreign investment limits \u2014 anything dodgy and you\u2019re out.<br><\/li>\n\n\n\n<li><strong>Non-sound product terms.<\/strong> If actuarial certificate or product terms don\u2019t make financial sense, IRDAI may reject.<br><\/li>\n\n\n\n<li><strong>Delaying business start beyond 12 months.<\/strong> Failure to launch within stipulated time may void the registration.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you plan to step into the Indian insurance industry \u2014 life, general, health or re-insurance \u2014 there is no shortcut. Getting IRDA Registration is mandatory, and given the regulatory, financial and ethical obligations, it\u2019s a serious commitment. But once you cross the regulatory hurdles \u2014 capital adequacy, proper structure, disclosures, actuarial certification \u2014 you gain legitimacy, credibility, access to customers, and chance to build a sustainable, trusted insurance business.<\/p>\n\n\n\n<p><strong>Read Our Article:<\/strong>&nbsp;<a href=\"https:\/\/advisou.com\/blog\/psara-license-apply-online\/\"><strong>PSARA License Apply Online: Know all about it<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q1. What is the minimum capital required to get IRDA registration?<\/strong><strong><br><\/strong> A1. For a regular insurance business (life, general, or health), the minimum paid-up equity capital required is \u20b9100 crore. For a reinsurance business, it is \u20b9200 crore.&nbsp;<\/p>\n\n\n\n<p><strong>Q2. Can any company name be used while applying for IRDA registration?<\/strong><strong><br><\/strong> A2. No. The company name must include the word \u201cinsurance\u201d, \u201cassurance\u201d, or \u201creinsurance\u201d (or equivalent). Names without these terms may lead to rejection.&nbsp;<\/p>\n\n\n\n<p><strong>Q3. What happens if the company does not start operations within 12 months of IRDA registration?<\/strong><strong><br><\/strong> A3. The entity must request an extension from the authority; otherwise, the certificate may lapse or become invalid.<\/p>\n\n\n\n<p><strong>Q4. Does IRDA registration guarantee that I can sell insurance policies immediately?<\/strong><strong><br><\/strong> A4. Only once the Certificate of Registration (Form IRDAI\/R3) is issued and operations are formally commenced. Also, the company must comply with all regulatory obligations \u2014 capital, disclosures, product viability, etc.<\/p>\n\n\n\n<p><strong>Q5. Why does IRDA require an actuary\u2019s certificate for life-insurance business?<\/strong><strong><br><\/strong> A5. Because life insurance policies often involve long-term commitments and actuarial risks, IRDAI mandates an actuary\u2019s certificate to ensure that declared rates, benefits and terms are financially sound and sustainable.&nbsp;<\/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 is the minimum capital required to get IRDA registration?\",<br \/>\n    \"acceptedAnswer\": {<br \/>\n      \"@type\": \"Answer\",<br \/>\n      \"text\": \"For a regular insurance business (life, general, or health), the minimum paid-up equity capital required is \u20b9100 crore. 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Your venture must be formally registered with the Insurance Regulatory and Development Authority of India (IRDAI). This process of formal registration \u2014 commonly referred to [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":5122,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[988],"tags":[971,785,1029,1030],"class_list":["post-5118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-irda","tag-irda-registration","tag-irdai","tag-what-is-irda","tag-what-is-irda-in-insurance"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/5118","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=5118"}],"version-history":[{"count":9,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/5118\/revisions"}],"predecessor-version":[{"id":7039,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/posts\/5118\/revisions\/7039"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/media\/5122"}],"wp:attachment":[{"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/media?parent=5118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/categories?post=5118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisou.com\/blog\/wp-json\/wp\/v2\/tags?post=5118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}