How to Become an LIC Agent – Eligibility, Training & Exam Process (2025 Guide)
If you are looking for a stable,
flexible, and high-earning profession, becoming an LIC agent in 2025 can be one
of the most rewarding career decisions. This comprehensive guide—written using
EEAT principles (Expertise, Experience, Authority &
Trustworthiness)—explains how to
become an LIC agent, eligibility criteria, required documents, training
details, exam process, income potential, benefits, and essential skills needed
to build a successful career in LIC.
Who Is an LIC Agent?
An LIC agent is an authorized
individual who sells LIC’s life insurance policies to customers, helps them
choose the right plan, assists with documentation, and ensures smooth policy
servicing. They act as a financial guide, helping people plan for:
- Life protection
- Retirement planning
- Child education
- Wealth creation
- Tax-saving options
LIC agents earn commissions on every
policy sold and renewed, making this job both financially attractive and
socially impactful.
Why Choose a Career as an
LIC Agent?
Becoming an LIC agent offers several
benefits that make it one of the most popular career choices in the insurance
sector:
1. Unlimited Earning
Potential
You earn commissions on every sale
and renewal. More clients mean higher income, with no upper limit.
2. Flexible Working Hours
You can work full-time or part-time
without strict office timings.
3. Zero Investment Career
There is no need for an office or
capital. A smartphone and basic knowledge are enough to start.
4. Huge Market Demand
With increasing financial literacy
and growing middle-class income, more people are investing in life insurance.
5. Prestige &
Recognition
Top-performing LIC agents receive
awards, foreign trips, bonuses, and industry recognition.
Eligibility
Criteria to Become an LIC Agent
To become an LIC agent, you must
meet basic eligibility requirements set by LIC and IRDAI:
- Age:
Minimum 18 years
- Education:
At least Class 10th passed (for rural areas, 10th pass is enough; for
urban areas, Class 12th may be preferred)
- Nationality:
Indian citizen
- Other Requirements:
Good communication skills and a customer-friendly approach
Anyone—students, homemakers, working
professionals, retired individuals, or job seekers—can apply.
Documents Required for LIC
Agent Registration
You will need the following
documents:
- Aadhaar Card
- PAN Card
- 2–4 passport-sized photographs
- Class 10th/12th mark sheet
- Address proof (Voter ID, Electricity bill, etc.)
- Bank account details
- Cancelled cheque
- Signature copy
Ensure your documents are updated
and clearly scanned for faster approval.
How to Become an LIC Agent
– Step-by-Step Process
If you want to know exactly how to become an LIC agent, follow the
steps below:
Step 1: Contact Your
Nearest LIC Branch or Development Officer
Visit the nearest LIC branch and
meet a Development Officer (DO).
They are responsible for recruiting and training LIC agents. Many DOs also
conduct online recruitment sessions, making the process faster.
Step 2: Fill Out the LIC
Agent Application Form
Submit your personal details, educational
information, and required documents. The DO will verify your eligibility.
Step 3: Complete IRDAI
Pre-Licensing Training (15 Hours)
LIC will schedule your 15-hour IRDAI training, which is
mandatory for all aspiring agents. This training covers:
- Basics of life insurance
- LIC plans and policies
- Regulatory framework
- Customer handling
- Sales techniques
- Ethics & compliance
Training can be done online or offline, depending on your
city.
Step 4: Appear for the
IRDAI Agent Licensing Exam
After training, you must appear for
the IRDAI Insurance Agent Exam,
conducted online.
Exam Pattern:
- Multiple-choice questions
- Basic insurance concepts
- Passing Marks: 35%
The exam is generally easy and
designed for beginners.
Step
5: Receive Your IRDAI License
Once you pass the exam, IRDAI will
issue your Agent License, which
legally authorizes you to sell LIC policies.
Step 6: Start Working as a
Licensed LIC Agent
After receiving your license, you
can start:
- Approaching customers
- Selling policies
- Helping clients with documentation
- Providing after-sales support
- Expanding your customer base
Your Development Officer will guide
you throughout the process.
Income of an LIC Agent in
India
LIC agents earn commission-based income, which
includes:
- First-year commission: 20%–35% (depending on policy type)
- Renewal commission:
5%–7.5% every year
- Bonus commission:
Based on performance
A dedicated LIC agent can earn:
- Beginners:
₹20,000 – ₹40,000 per month
- Experienced agents:
₹50,000 – ₹1,50,000+ per month
- Top agents:
₹3,00,000+ monthly (with MDRT/CM Club status)
Since LIC policies are long-term,
renewal commissions ensure stable
lifelong earnings.
Benefits of Becoming an LIC
Agent
- High commissions and incentives
- Performance-based rewards and foreign trips
- Free training and support
- Career stability with long-term income
- Opportunity to grow as a Development Officer
- Strong brand value of LIC
- Ability to work independently
- A profession where you help families secure their
future
Skills Required to Become a
Successful LIC Agent
To excel in this profession, you
must develop:
- Good communication and listening skills
- Basic financial knowledge
- Customer service mindset
- Relationship-building abilities
- Consistency and follow-ups
- Strong ethics and professionalism
- Passion for helping people plan their future
Conclusion
Becoming an LIC agent in 2025 is one
of the most promising and rewarding career options in the insurance industry.
With zero investment, flexible working hours, and unlimited earning potential,
anyone can build a successful career with LIC’s strong brand support. By
understanding the eligibility criteria, completing IRDAI training, clearing the
exam, and developing essential skills, you can establish yourself as a trusted
life insurance advisor and secure long-term financial growth.
Frequently
Asked Questions
Q.1. Who can become
an LIC agent in India?
Anyone
who is at least 18 years
old and has
completed Class 10th (or Class 12th in some
urban areas) can become an LIC agent. There is no requirement for prior
experience.
Q.2. Is there any
exam to become an LIC agent?
Yes.
To become a licensed LIC agent, you must complete 15 hours of IRDAI training
and then pass the IRDAI Agent
Licensing Exam.
Q.3. What is the
IRDAI exam passing criteria?
The
IRDAI exam consists of objective questions, and the passing marks are 35%. The exam is
beginner-friendly and easy to clear with basic preparation.
Q.4. How much does
it cost to become an LIC agent?
The
cost is minimal. You may pay a small registration fee for the IRDAI exam,
depending on your LIC branch. There is no major investment required to start this career.
Q.5. How long does
the LIC agent registration process take?
On
average, the complete process—document submission, training, exam, and
licensing—takes 7 to 20
days, depending on the branch and exam schedule.
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