If you’re an insurance agent or planning to become one, knowing which products are easiest to sell can save you time, effort, and frustration. In India, some insurance products have high demand, simple features, and emotional appeal — making them easier to close and earn commissions faster.
This guide breaks down the top-selling insurance products in 2025 and explains why they’re great for agents just starting out or looking to boost sales.
1. Term Life Insurance
Why it sells easily:
- Affordable premiums with high coverage
- Strong emotional appeal — protects family’s future
- Increasing awareness due to social media and influencer content
Best Prospect Segment:
Young working professionals, newly married couples, parents with small children.
Agent Tip:
Use PlanMatch to quickly find the right term plan for a client’s budget and coverage needs.
2. Health Insurance (Individual & Family Floater)
Why it sells easily:
- Medical costs rising at 10–15% per year
- Tax benefits under Section 80D
- Pandemic aftereffects have increased health awareness
Best Prospect Segment:
Middle-class families, corporate employees, small business owners.
Agent Tip:
Offer comparisons between ₹5 lakh and ₹10 lakh coverage plans to show value.
3. Government-Supported Micro Insurance Plans
(Example: PMJJBY, PMSBY, AABY)
Why it sells easily:
- Extremely low premiums (₹12–₹436/year)
- Backed by the government — high trust factor
- Simple documentation, easy sign-up
Best Prospect Segment:
Rural population, gig workers, self-employed, low-income groups.
Agent Tip:
Leverage the WhatsApp Kit for sending scheme flyers in local languages.
4. Child Education & Savings Plans
Why it sells easily:
- Appeals to parents’ long-term goals
- Combines insurance with disciplined savings
- Maturity payouts align with college expenses
Best Prospect Segment:
Parents of kids aged 0–10 years, NRIs planning for education in India.
Agent Tip:
Use real-life case studies to show how savings accumulate over 15–20 years.
5. Retirement Plans (Pension & Annuity)
Why it sells easily:
- Growing middle-class awareness about retirement planning
- Lifetime income option appeals to risk-averse clients
- Can be sold alongside life or health insurance
Best Prospect Segment:
Individuals aged 35–55, small business owners, self-employed professionals.
Agent Tip:
Highlight inflation-adjusted returns and tax benefits under Section 80CCC.
Quick Comparison Table: Top 5 Easy-to-Sell Products
| Product | Demand Level | Target Audience | Closure Time |
|---|---|---|---|
| Term Life Insurance | High | Young professionals | 1–3 meetings |
| Health Insurance | High | Families, business owners | 1–2 meetings |
| Micro Insurance Plans | Very High | Rural, low-income | Same day |
| Child Savings Plans | Moderate | Parents | 2–4 meetings |
| Retirement Plans | Moderate-High | 35–55 years | 2–3 meetings |
Call-to-Action
Want to start selling these high-demand products?
✅ https://ebharat.com/become-agent/
Get PlanMatch, download your WhatsApp Kit, and use Sales Scripts to close your first policy in days.
