How to Become an LIC Agent - Complete Process

Working as a Life Insurance Corporation (LIC) agent is a well-respected and rewarding career choice in India. It not only offers flexibility and income potential but also allows individuals to help others secure their financial future. Whether you're a student, a homemaker, a working professional, or a retiree, becoming a LIC agent can be a meaningful and profitable path.

In this article, we’ll walk you through the complete process to become an LIC agent, including the eligibility, training, exam, and benefits. If you’re wondering how to become a LIC insurance agent, this guide is for you.

Introduction

LIC is India’s largest life insurance company and has been a trusted name for decades. Every year, thousands of people across the country apply to become LIC agents either full-time or part-time.

If you’re interested in selling life insurance, enjoying flexible working hours, and earning commission-based income, then a career as an LIC agent may be the right choice for you.




Why Choose to Become a LIC Agent?

Before going into the steps, it’s important to understand why many people choose to become LIC agent online or through traditional branches.

LIC Agents Benefits

Here are some key benefits of becoming a LIC agent:

  • Flexible Work Hours: No fixed timings or office routine.

  • Unlimited Earnings: Commission-based income with no upper limit.

  • Work Independently: Be your own boss and manage your own clients.

  • Career Growth: Opportunities to grow into higher roles like Development Officer.

  • Recognition and Rewards: Performance-based awards, international trips, and bonuses.

  • Pension and Gratuity: Long-term benefits after sustained performance.

  • Support and Training: LIC offers continuous training and marketing support.

Step-by-Step Guide: How to Become an LIC Insurance Agent

Let’s understand the step-by-step process of becoming a registered LIC agent in India.

Step 1: Check Eligibility Criteria

To apply for the LIC agent role, you need to fulfill the following:

CriteriaRequirement
AgeMinimum 18 years
EducationMinimum 10th pass (SSC/Matric)
CitizenshipIndian citizen

Make sure you have your Aadhaar card, PAN card, passport-size photos, and educational documents ready.

Step 2: Visit the LIC Branch or Apply Online

You can either:

  • Visit the nearest LIC branch and meet the Development Officer, or

  • Become an LIC agent online by applying through the official LIC website or verified recruitment portals.

The Development Officer will guide you through the application and training process.

Step 3: Complete the Mandatory Training

After applying, you will be enrolled in a 25-hour training program approved by the Insurance Regulatory and Development Authority of India (IRDAI).

Training Covers:

  • Introduction to life insurance

  • Types of LIC policies

  • Sales techniques

  • Regulatory guidelines

  • Customer servicing

The training may be conducted online or offline based on your location.

Step 4: Appear for LIC Agent Exam (IRDAI IC-38)

Once you complete the training, you must clear the LIC agent exam, also known as the IRDAI IC-38 exam.

LIC Agent Exam Details:

AspectDescription
Exam NameIC-38 (IRDAI certification)
FormatMultiple Choice Questions (MCQ)
Duration60 minutes
Passing Marks35% (out of 50 questions)
LanguageEnglish, Hindi, or regional language
ModeOnline or at LIC-authorized centers

Step 5: Pay the LIC Agent Exam Fees

The LIC agent exam fees are nominal and vary by region or training provider. Typically, you can expect to pay:

  • Exam Fee: ₹200 to ₹500

  • Training Fee (if applicable): ₹500 to ₹1,000

  • Total Estimated Cost: ₹700 to ₹1,500 approx.

These costs are usually one-time and quite affordable for most applicants.

Step 6: Receive Agent Code and Start Working

Once you pass the exam, LIC will issue your agent code, identity card, and login credentials. With these, you can:

  • Start selling LIC life insurance policies

  • Guide customers in choosing the right plans

  • Assist in documentation and claims

  • Earn commission on each policy sold and renewal premium collected

Career Growth Opportunities for LIC Agents

Becoming a LIC agent opens up several career paths:

  • Senior Advisor: After consistent performance

  • Development Officer: Recruit and train new agents

  • Branch Manager: Oversee operations and sales targets

  • Zonal Manager: Handle multiple regions under LIC

LIC also offers regular training, rewards, and promotional exams for agents who want to grow professionally.

Tips to Succeed as a LIC Agent

To make the most of this opportunity, follow these simple yet effective tips:

  • Understand Your Products: Know LIC plans in detail

  • Listen to Customers: Offer solutions based on their needs

  • Stay in Touch: Regular follow-ups build trust

  • Be Consistent: Success takes time — stay committed

  • Use Technology: Maintain client records and reminders

  • Seek Referrals: A happy customer can refer many others

FAQs on Becoming a LIC Agent

Q1. Can I become a LIC agent part-time?

Yes. LIC allows you to work full-time or part-time as per your convenience.

Q2. What is the income of a LIC agent?

It depends on your sales performance. Income includes initial commission and renewal commissions for the years.

Q3. Is there any monthly salary?

No. LIC agents earn purely on commission basis, but the more policies you sell, the more you earn.

Q4. Can I apply to become a LIC agent online?

Yes. Many LIC zones accept online applications, and the entire process, including training and exam,s can be managed digitally.

Conclusion

Becoming a LIC agent is a respectable and rewarding career, especially for those looking for flexibility, financial independence, and long-term growth. The process is simple, cost-effective, and accessible to anyone who meets the basic criteria.

Whether you’re exploring a new career path or looking for a side income, this guide should help you confidently take the first step. So, if you're ready to become an LIC agent, visit your nearest LIC office or apply online today.

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