Becoming an insurance agent in India sounds exciting — flexible working hours, unlimited earning potential, and the satisfaction of helping people secure their future.
But here’s the reality: more than 60% of new agents drop out within the first 12 months.
Why? And more importantly — how can you avoid becoming part of that statistic?
This guide explains the real challenges new agents face and gives you practical strategies to survive and thrive in your first year.
1. Lack of Immediate Income
Many new agents imagine high commissions from day one, but the insurance sales cycle often takes weeks or months.
Survival Tip: Use PlanMatch to identify fast-payout products like short-term investment-linked policies or one-time premium plans.
Start with realistic income expectations — treat your first 3–6 months as an investment phase.
Keep a backup income source until your commissions are steady.
2. Selling Only to Friends & Family
Your personal network is a good starting point, but once you’ve sold to your close circle, leads can dry up fast.
Survival Tip: Attend local events, fairs, and community gatherings to connect with fresh prospects.
Build a consistent lead pipeline through WhatsApp Kit templates, Facebook & Instagram ads, and Google My Business listings.
3. Poor Product Knowledge
Clients won’t trust you if you can’t explain the difference between term insurance, ULIPs, and health plans confidently.
Survival Tip: Use tools like Insurance Plus to create clear, client-friendly benefit illustrations.
Spend your first 30 days mastering:
Product brochures
Competitor plan comparisons
4. Fear of Rejection
Hearing “No” repeatedly can drain motivation.
Survival Tip: Practice with Sales Scripts to handle objections smoothly.
Track your conversion ratio — for example, if 1 in 10 calls results in a sale, every “No” is one step closer to a “Yes.”
Celebrate small wins — even securing a follow-up call is progress.
5. Lack of Support & Mentorship
Many agents join agencies that offer little training or follow-up support.
Survival Tip: Marketing creatives & lead support
Choose a supportive network like eBharat’s Digital Agent Network, which provides:
IRDAI-compliant onboarding
One-on-one mentoring
How to Survive the First Year
| Challenge | Survival Strategy |
|---|---|
| No steady income | Plan finances & sell fast-payout products |
| No leads after personal circle | Use digital marketing & cold outreach |
| Low product knowledge | Daily learning & mock sales practice |
| Fear of rejection | Track conversions & celebrate small wins |
| No training or guidance | Join a network with mentorship |
Don’t become part of the 60% who quit early. Join eBharat’s Digital Agent Network and get:
- PlanMatch for instant policy comparison
- WhatsApp Kit for ready-to-send sales messages
- Sales Scripts for confident closing
Apply Now and Power Your First-Year Success
