Want to earn income by helping people secure their financial future? How to Become an Insurance Agent in India is one of the most common career questions today. And for good reason — insurance agency is among the most accessible and rewarding professions in India.
In 2025, digital tools, mobile onboarding, and remote training have made it easier than ever to start your journey. Whether you’re a student, homemaker, working professional, or retiree, this step-by-step guide will explain everything about becoming a licensed insurance agent in India.
Step 1: Meet the Basic Eligibility Criteria
To apply for an IRDAI insurance agent license in India, you must:
- Be 18 years or older
- Have completed at least Class 10th (SSC)
- Hold valid Aadhaar and PAN cards
👉 These minimum requirements ensure that anyone — even freshers — can begin a career in insurance.
Step 2: Choose Your Insurance Company or Broker
Before applying, decide how you want to work:
- Life Insurance Companies: e.g., LIC, HDFC Life, TATA AIA
- General Insurance Companies: e.g., ICICI Lombard, New India Assurance
- Brokers or General Agencies (GA): e.g., eBharat, which allows you to sell plans from multiple insurers
👉 Want to sell for multiple insurers? Joining a POSP (Point of Sale Person) model or broker-led network is ideal.
Step 3: Complete IRDAI-Mandated Training
As per IRDAI:
- 25 hours of training is required for individual agents
- 15 hours of training is required for POSP agents
Training can be done online or offline and covers insurance basics, ethics, and customer service skills. Many insurers and brokers now offer this training digitally, saving you travel time.
Step 4: Pass the IRDAI Exam (IC-38)
After training, you must clear the IC-38 exam conducted by the Insurance Institute of India.
Exam Format:
- 50 objective questions
- 60 minutes duration
- 35% passing marks (at least 17 correct answers)
💡 Tip: eBharat provides free IC-38 mock tests and study material to help you pass in one attempt.
Step 5: Get Your IRDAI License and Start Selling
Once you pass the exam, you’ll be issued an IRDAI Agent License or POSP Code. With this, you can:
- Sell life, health, motor, or term insurance policies
- Earn commissions on each policy sold
- Work part-time or full-time, online or offline
How Much Can an Insurance Agent Earn in India?
Earnings depend on the type of policies sold and your effort:
- New agents typically earn ₹25,000–₹50,000/month within 6 months
- Top performers easily cross ₹1–2 lakh/month by building a client base and team network
- Long-term agents earn recurring income through renewal commissions
👉 Insurance agency is one of the few careers in India where income is directly proportional to effort — with no upper limit.
Tools Every New Insurance Agent Should Use
To succeed in 2025, agents must use digital tools:
- PlanMatch Tool – instantly compare and recommend plans for clients
- WhatsApp Kit – predesigned follow-up messages, brochures, and reminders
- Sales Scripts – ready pitches in Hindi and English to close clients confidently
👉 Explore more with Insurance+ on eBharat.com — a smart comparison tool for agents and customers.
Why Choose eBharat to Start Your Journey?
Joining the eBharat Agent Network gives you:
- Ability to sell policies from multiple insurers
- Free digital tools, leads, and IC-38 prep material
- No upfront investment needed
- Flexibility to work part-time or full-time from anywhere in India
Already interested?
Apply now and start earning while helping families secure their future.
Quick Checklist to Become an Insurance Agent in 2025
- 10th pass & 18+ age
- Choose insurer, broker, or GA (e.g., eBharat)
- Complete 15–25 hrs IRDAI training
- Pass the IC-38 exam
- Get IRDAI license or POSP code
- Start selling and earning commissions
Final Thoughts
Becoming an insurance agent in India in 2025 is easier, faster, and more profitable than ever. You don’t need a college degree or big investment. All you need is commitment, training, and the right platform.
🚀 Ready to Start Your Journey?
Becoming an insurance agent is one of the most rewarding careers in India. Stay ahead with the right tools and knowledge. Compare the best life and health plans instantly with Insurance+ on eBharat.com.
