Looking to start or switch your insurance career in 2025?
Choosing the right insurance company to work for as an agent can make a big difference in your income, training, digital selling ability, and long-term growth.
This guide compares the top insurance companies in India for agents — based on commission rates, onboarding process, digital tools, claim reputation, and overall agent experience.
Top 7 Insurance Companies for Agents in 2025
Based on agent feedback, IRDAI data, and digital performance, here’s how the top players stack up:
- HDFC Life — Strong term plans, quick onboarding, excellent mobile app for agents, and solid technology integration.
- LIC of India — India’s most trusted insurance brand; great for rural markets and endowment/savings plans.
- TATA AIA Life — Known for high-performing ULIPs, regular sales contests, and decent lead support.
- ICICI Prudential Life — Urban-focused, robust agent training programs, and CRM tools for client tracking.
- Max Life Insurance — High persistency ratios (clients renewing policies), hybrid selling model (offline + online).
- Bajaj Allianz Life — Attractive incentives, aggressive product push, and target-based bonuses.
- SBI Life — Backed by public trust of SBI, steadily improving digital tools and mobile app.
What Makes a Company Agent-Friendly?
An agent-friendly insurance company in India typically offers:
- Fast Digital Onboarding — From IC-38 exam registration to login access, speed matters.
- Transparent Commission Structure — Clear payouts for term, ULIP, savings, and health products.
- Lead Support or CRM Tools — Helps you find prospects and manage follow-ups efficiently.
- Regular Incentives & Contests — Keeps motivation high and rewards top performance.
- Easy-to-Use Agent App — To track sales, download policy bonds, and manage renewals.
Example: If a company offers an agent app where you can instantly share a policy PDF on WhatsApp, you can close sales faster — especially with tech Smart customers.
Why Many Agents Are Choosing the Broker Model (eBharat POSP)
Instead of working with just one company, thousands of agents are joining brokers like eBharat to become POSP agents and get access to multiple insurers.
With eBharat’s POSP platform, you get:
- Plans from 10+ top insurers (except LIC)
- Fast onboarding in 2–3 days
- One dashboard to sell & track all sales
- WhatsApp Tools, PlanMatch, Sales Scripts, and Video Pitches
- No fees, no monthly targets, no pressure
Case Study: Meera from Jaipur joined eBharat in 2024. In her first 90 days, she sold policies from 5 different insurers — including term plans, child ULIPs, and health riders — earning ₹40,000+ in commissions, all while working from home.
Final Verdict
| You Should Join… | If You Want… |
|---|---|
| LIC | Endowment sales in rural/small towns |
| HDFC Life | Term + ULIP with tech & support |
| Max Life | Persistency + digital growth |
| eBharat (Broker) | Multi-brand access + full freedom |
Your success depends more on how you sell than just who you work for —
but choosing the right partner company or broker gives you a serious edge in 2025.
In 2025, the best agents are those who combine product knowledge, digital tools, and customer trust.
Whether you choose a single company or the eBharat multi-company POSP model, focus on long-term client relationships and smart selling.
Start Your Insurance Career Today
Access 50+ insurance plans and grow your income with eBharat’s tools & training.
No fees. No targets. 100% online onboarding in 2–3 days.
