IC38 Exam Syllabus 2026: What is Asked in LIC Bima Sakhi Exam?
Worried about the IC38 insurance exam?
The good news is that the IC38 exam is simple if you understand the syllabus, basic insurance concepts and preparation strategy properly.
Quick Exam Highlights
- тЬЕ IC38 is mandatory for LIC advisors
- тЬЕ Online objective-type exam
- тЬЕ 50 questions in total
- тЬЕ Minimum passing marks required
- тЬЕ Questions are based on insurance basics
- тЬЕ Training is provided before exam
What is IC38 Exam?
The IC38 exam is a mandatory insurance licensing examination conducted for people who want to become insurance advisors or LIC agents.
Women joining LIC Bima Sakhi Yojana must also pass this examination after completing IRDAI training.
Once the exam is cleared, candidates become eligible to work officially as LIC insurance advisors.
If you are new to the scheme, first understand: LIC Bima Sakhi Yojana Overview
IC38 Exam Pattern 2026
| Feature | Details |
|---|---|
| Exam Type | Online Objective Exam |
| Total Questions | 50 Questions |
| Passing Marks | 15 Marks |
| Exam Mode | Computer Based |
| Conducted By | NSEIT / IRDAI |
Complete IC38 Exam Syllabus
The syllabus mainly focuses on basic insurance knowledge and customer understanding.
1. Basics of Insurance
- What is insurance?
- Importance of life insurance
- Types of insurance products
- Risk and protection concepts
2. LIC Policies and Plans
- Life insurance plans
- Savings plans
- Protection plans
- Children and pension plans
3. Customer Service and Ethics
- Helping customers
- Ethical insurance selling
- Claim settlement basics
- Customer communication
4. Insurance Regulations
- IRDAI guidelines
- Advisor responsibilities
- Basic legal rules
- Insurance documentation
Is Training Provided Before Exam?
Yes. Before appearing for the IC38 exam, candidates receive mandatory IRDAI training.
This training helps women understand:
- Insurance basics
- Customer communication
- Policy concepts
- Exam preparation
Training makes the exam easier for beginners.
Simple IC38 Exam Preparation Tips
- Study daily for 1тАУ2 hours
- Focus on insurance basics
- Revise important terms regularly
- Practice mock questions
- Attend training seriously
- Stay calm during exam
For detailed preparation strategy, read: IC38 Exam Preparation Tips & Tricks
Is IC38 Exam Difficult?
No. Most women clear the exam successfully after proper training and preparation.
The exam is designed for beginners, so questions are usually basic and practical.
With focus and regular revision, passing the exam becomes much easier.
Why Passing IC38 Exam is Important?
After clearing the exam, women become officially eligible to work as LIC insurance advisors.
This opens opportunities for:
- Commission income
- Monthly stipend support
- Long-term renewal income
- Flexible work opportunities
- Career growth in LIC
To understand income opportunities, read: LIC Bima Sakhi Income Breakdown
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Final Thoughts
The IC38 exam is the first important step toward building a successful LIC career.
With proper training, basic preparation and confidence, women can easily clear the exam and start their financial independence journey through LIC Bima Sakhi Yojana.