If you’re thinking about becoming an HDFC Life insurance agent, you have two main paths — join directly with HDFC Life or through eBharat.com under our General Agency (GA). On paper, both options give you the same official advisor code and commission slabs, but in reality, the support, tools, and opportunities you receive can be very different.
In this guide, we’ll break down exactly what you get in each route, what a General Agency actually is, and why joining via eBharat.com can give you an edge without reducing your earnings.
Direct with HDFC Life
When you join HDFC Life directly:
- Official Advisor Code – You get your own personal HDFC Life agent code.
- Independent Work Mode – You’re responsible for sourcing leads, pitching, closing sales, and doing all after-sales follow-ups yourself.
- Standard Company Support – You rely solely on HDFC Life’s official training sessions, printed brochures, and generic marketing material.
- Direct Commissions – Your commission comes directly from HDFC Life as per IRDAI slabs — no middle party.
- No Extra Perks – No shared leads, no extra digital tools, no local marketing brand backing you up.
Via eBharat.com (Under Our General Agency)
When you join through eBharat.com, you still get an official HDFC Life advisor code, but it’s tagged under our General Agency — meaning:
- Same Legal Status – You’re still an IRDAI-licensed HDFC Life advisor with the same income slabs and payouts.
- Everything Direct Agents Get – You receive all the standard HDFC Life resources.
- PLUS Exclusive eBharat.com Support:
| Extra Benefit | What It Means for You |
|---|---|
| Digital Tools Access | Use our PlanMatch tool, premium calculators, and benefit estimators to close clients faster. |
| Marketing & Content Kit | Get ready-to-send WhatsApp creatives, myth-buster infographics, and bilingual pitch scripts. |
| Lead Sharing | Receive soft leads from our website and local campaigns when they match your area. |
| Local Brand Association | Use eBharat.com branding on your visiting cards — boosts trust during client meetings. |
| Objection Handling Scripts | Battle common sales hurdles like “LIC vs HDFC Life” or “Why buy from an agent?” with proven replies. |
| Closing Support | Get help with premium calculations, benefit explanations, and convincing hesitant buyers. |
| Community Network | Learn and share tips with other agents in our GA group — avoid mistakes and grow faster. |
What is a General Agency in HDFC Life?
A General Agency (GA) is a top-tier license given by HDFC Life to individuals or companies who recruit, train, and manage multiple insurance agents.
- Override Commission: GA earns a small percentage from the total business done by its agents — paid by HDFC Life, not from your commission.
- Agent Recruitment & Licensing: GA helps you get IRDAI-licensed and ready to sell.
- Extra Support & Influence: GAs usually have better access to policy escalations, priority servicing, and marketing resources.
Joining via eBharat.com means you keep 100% of your commission, have the same HDFC Life code, and gain extra tools, leads, training, and brand support — all without losing a rupee.
Apply Now to Join Our HDFC Life Agent Network:
👉 Become an Agent with eBharat.com
