Introduction
Becoming an LIC Agent is one of the most accessible and rewarding career paths in India. With over 13 lakh agents across the country, LIC offers a flexible, commission-based career with unlimited earning potential.
Eligibility Criteria
- Age: Minimum 18 years (no upper limit for standard agency)
- Education: 10th pass minimum (12th for some urban divisions)
- Nationality: Indian citizen
- No prior experience required
Step 1: Find a Development Officer
Every LIC agent works under a Development Officer (DO). The DO is your mentor, trainer, and guide. You can find one through the Bima Sakhi program or by visiting your nearest LIC branch.
Step 2: Submit Your Application
Your DO will help you fill the agency application form. You will need your Aadhaar Card, PAN Card, 10th Marksheet, Passport Photos, and a Bank Passbook.
Step 3: Prepare for IRDA Exam (IC-38)
The Insurance Regulatory and Development Authority (IRDA) requires all insurance agents to pass the IC-38 exam. This is a basic-level exam covering insurance fundamentals. Free study material is provided, and over 90% of candidates pass on their first attempt.
Step 4: Pass the Exam & Get Licensed
After passing IC-38, you receive your official IRDA Agent License. This license is valid across India and allows you to sell all LIC products.
Step 5: Start Earning
As a Bima Sakhi, you receive ₹7,000/month stipend for 3 years. On top of that, you earn 25-35% commission on every first-year premium and 5-7.5% renewal commission for the lifetime of the policy.
Conclusion
Becoming an LIC agent is a straightforward process. With the Bima Sakhi program, you get dedicated support, training, and a guaranteed stipend to help you build your career. Apply today at bimasakhi.com.