If you’re planning to start a career as an insurance agent — whether with LIC, HDFC Life, ICICI Lombard, or via a broker like eBharat — one of the most common questions is:
“How much commission will I earn?”
In this 2025 guide, we break down the latest commission rates for life, health, and general insurance — and how POSP agents working under a broker can maximize their earnings.
What Is Insurance Commission?
Commission is the income an agent earns on selling an insurance policy. It’s usually a percentage of the premium paid by the customer. It can be:
- First-Year Commission (FYC): When a new policy is sold
- Renewal Commission: When the same policy is renewed yearly
Some companies also give bonus/incentives based on performance.
Life Insurance Commission Chart – 2025 (IRDAI Rules)
LIC agents usually earn 35% FYC on endowment plans but lower on term.
POSP Agents via eBharat – Earn More, Sell More
When you join as a POSP agent under eBharat, you get:
- Access to multiple insurers – compare and sell the best product
- Full commission transparency
- No salary cap — earn ₹10,000 to ₹1 lakh+/month
- Digital tools: PlanMatch, WhatsApp scripts, auto-reminders
Want to get started? Apply now to join our Agent Network
Bonus, Contest & Incentives
Apart from regular commission, many companies offer:
- Quarterly/Annual cash bonuses
- Domestic & international trips
- Referral incentives if you recruit new agents
High performers can double their income with contests!
Summary Snapshot
- Life commission: up to 35% + renewals
- Health plans: 15–20% FYC
- Motor: ~15% flat (new & renewal)
- Bonus + trips available
- POSP model = More flexibility + multiple company access
Final Thoughts
Agent commissions in 2025 are rewarding — especially if you use digital tools, sell the right mix of products, and work under a transparent model like eBharat’s. There’s no income cap and no limit on what you can achieve.
Ready to sell with confidence? Join the eBharat Agent Network today and start earning from Day 1.
