Passing the IC-38 exam is a major milestone in becoming a licensed insurance agent in India. But what happens next? Many new candidates feel lost after clearing the test.
This article breaks down the complete post-IC-38 process, so you know exactly how to move from “qualified” to “licensed” — and start selling insurance.
Step 1: IC-38 Exam Results
Once you complete the exam, results are declared almost instantly online. If you pass, you’ll receive a pass certificate from your training provider.
Tip: Keep multiple copies (digital & physical) of this certificate — it’s required for license application.
Step 2: License Application Submission
Your sponsoring insurer (like HDFC Life or LIC) will submit your license application to the IRDAI.
You’ll need:
- IC-38 pass certificate
- Aadhaar & PAN card
- Education certificate (minimum 10th pass)
- Recent passport-sized photos
Step 3: IRDAI Verification
IRDAI verifies your documents, training completion, and background details. This can take 3–10 working days depending on workload.
Step 4: License Issuance
Once approved, you’ll receive a unique IRDAI Agent License Number (URN) via email/SMS. This license is valid for 3 years.
Related Resource: IRDAI Rules Every Insurance Agent Should Know
Step 5: Start Selling Policies
After receiving your license, your insurer will:
- Provide a login ID for their agent portal
- Give you product training & sales kits
- Assign a mentor or branch manager
You can now officially sell life, health, or general insurance policies as per your license type.
Quick Reference Table – IC-38 to License Timeline
| Step | Time Taken |
|---|---|
| Result declaration | Same day |
| License application | 1–2 days |
| IRDAI verification | 3–10 days |
| License issuance | Same day after approval |
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