If you’re considering becoming a licensed HDFC Life insurance agent or POSP, one of the first questions you’ll have is:
“How much commission can I earn from selling HDFC Life policies?”
In this 2025 guide, we break down the full commission structure — across term, ULIP, child plans, and endowment — along with examples, renewal payouts, and tips to maximize your earnings.
Sample Income Calculation
Let’s say you sell 5 HDFC Life term plans with ₹15,000 annual premium each:
- Total Premium: ₹75,000
- Avg. Commission (30%): ₹22,500
Sell 10 similar policies = ₹45,000 in one month.
And from year 2, you get renewals on every active policy.
Renewal Income = Passive Growth
Renewals help you build income stability without selling again:
- ₹5,000 renewal from past clients = ₹60,000/year = ₹5,000/month passive layer
This becomes huge in Year 3 onward.
POSP via eBharat vs Traditional Agent
| Feature | Traditional Agent | POSP via eBharat |
|---|---|---|
| Access | Only HDFC Life | Multiple insurers incl. HDFC Life |
| Commission | Similar | Similar or slightly better |
| Tools | Limited | CRM, WhatsApp Kit, PlanMatch |
| Flexibility | Branch-based | Work-from-anywhere |
💼 Want to sell HDFC Life + more? Apply to Join eBharat Agent Network
Tips to Earn More
- Start with term plans – high commission + low cost for clients
- Pitch return of premium (ROP) options for higher premiums
- Bundle term + health + top-up in one sale
- Use eBharat’s WhatsApp scripts to close faster
Final Takeaway
HDFC Life offers one of the best commission structures among private insurers in India — especially for term and endowment plans.
As a POSP under eBharat, you can sell HDFC Life along with other top companies, earn the same or better commissions, and grow faster using digital tools.
🎯 Ready to start? Apply now to join our Agent Network and get started in 3 days.
