Before you can sell life insurance in India—with HDFC Life or any other insurer—you must first obtain the IRDAI IC-38 license.
This license is not just a certificate—it is your legal identity as a professional insurance advisor. Here’s everything you need to know about what the IC-38 license means, why it’s important, and how to get it in 2025.
What Is the IC-38 License?
The IC-38 license is issued by the Insurance Regulatory and Development Authority of India (IRDAI) after you:
- Complete 25 hours of mandatory pre-licensing training.
- Pass the IC-38 exam with at least 35% marks.
Once cleared, IRDAI authorizes you to:
- Sell life insurance policies legally.
- Earn commissions as an agent.
Why Is It Called IC-38?
- IC → Insurance Certificate.
- 38 → The regulation number under which the exam was introduced.
It ensures that every advisor meets minimum knowledge standards before advising clients.
Key Benefits of Having an IC-38 License
- Legal Authorization → Without it, you cannot sell insurance or earn commissions.
- Career Credibility → Customers trust licensed agents more.
- Multiple Opportunities → Work with insurers, agencies, or brokers.
- Income Security → Builds recurring, commission-based income.
What the IC-38 Exam Covers
| Topic | Weightage |
|---|---|
| Basics of Insurance | 20% |
| IRDAI Regulations & Ethics | 25% |
| Life Insurance Products | 30% |
| Customer Handling & Rights | 15% |
| Financial Literacy | 10% |
Who Needs an IC-38 License?
- Fresh graduates entering the insurance field.
- Homemakers, teachers, or retirees seeking part-time income.
- Professionals switching careers.
- Anyone who wants to legally sell insurance in India.
How to Apply for the License
- Register through an insurer like HDFC Life or an agency like eBharat.
- Complete 25 hours of training.
- Appear for the online IC-38 exam.
- On passing, receive your IRDAI license & agent code.
Validity and Renewal
- Valid for 3 years.
- Renewal requires refresher training and re-application via your insurer/agency.
Case Example: Neha’s Success
Neha, 25, wanted part-time income. She completed the 25-hour training, cleared the IC-38 exam on her first attempt, and joined eBharat.
Result: Within 6 months, she closed 12 policies and now earns steady monthly income—all because of her IC-38 license.
Why This Matters
The IC-38 license is your entry ticket into the insurance industry. Without it, you cannot grow as an agent. With it, you gain credibility, legal recognition, and career stability.
👉 Next, read: IRDAI Guidelines Every HDFC Life Agent Must Know
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