Build a secure career
with your insurance company
Earn ₹50,000+ monthly. Become an Agent or Development Officer. Empowering aspirants across and India.
Why life insurance?
Best-in-class benefits for agents & policyholders
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Frequently Asked Questions
Who can become life insurance Agent in India?
How much can life insurance Agent earn per month?
How do I become a Development Officer at life insurance?
What is the Bima Sakhi Yojana?
What is the Fast Track New Joiner Scheme?
Which life insurance plans offer guaranteed returns?
Career with life insurance
Choose your path — Agent, Development Officer, or Bima Sakhi
Consistent Performer Award
Stay active in all 12 months of your first agency year — earn extra:
How to become an Agent
A respected career with unlimited earning potential.
Submit Documents
ID Proof, Address Proof, 10th/12th/Degree certificates
Training (25 Hours)
Online or offline IC38 training
IC38 Exam
Score 17 out of 50 to qualify
Start Earning
Get your agency code & begin selling policies
Eligibility
Open to all qualified candidates
(open to outside-district candidates too)
Based in · Open to everyone
I am attached to life insurance's and serve the whole of .
If you live outside and still want to build your life insurance career with my team, you are equally welcome. Distance is not a barrier — training, mentoring and support are fully available online and on WhatsApp.
Agent Benefits
1st Yr Commission
Including bonus
Renewal
2nd & 3rd year
Housing Loan
Special rate
Gratuity
After 15 yrs
Club Benefits
Festival advance, office allowance, recognition
Free Term Cover
Family protection for confirmed agents
Hereditary Commission
After 2+ years of service, renewal commission continues to nominees if the agent passes away (with ₹1L+ business in force).
Rewards · Tours · Recognition
Cash Rewards
Monthly, quarterly & festival contests. Hot offers for early-month closures and persistency.
₹500 – ₹50,000+Exciting Gifts
Smartphones, laptops, gold coins, smart watches, household appliances, branded merchandise.
Top performersDomestic Tours
Goa · Kerala · Kashmir · Andaman · Rajasthan · Himachal — all-expenses paid for qualifying agents.
Inside IndiaInternational Tours
Dubai · Singapore · Bali · Thailand · Europe · Australia — qualify through MDRT and convention contests.
Outside IndiaClub Membership
Distinguished · Branch Manager · Divisional Manager · Zonal Manager · Chairman's Club tiers with rising benefits.
Career RecognitionMDRT & COT
Global recognition — Million Dollar Round Table, Court of the Table, Top of the Table — for elite performers.
World-classFrequent Competitions, Endless Rewards
life insurance runs monthly & seasonal contests across branches — Founders Day Award, Bima Diwali, March Madness, Birthday Month bonanza, Persistency Bonus and more. Plus festival advances, office allowance, and stationery support throughout the year.
Important · Indicative Information Only
The eligibility criteria, exam pattern and selection process shown below are based on previous life insurance notifications and past recruitment history. your insurance company may revise the Development Officer recruitment norms at any time.
For the current and authoritative requirements, always refer to the official life insurance notification published at your insurer's official website. This page is for reference only and does not constitute an official announcement.
Eligibility
From Agent to Class II Officer
Exam Pattern
160 marks · 120 min · English/Hindi
Interview
Final selection process
Bima Sakhi (MCA)
Exclusively for women · Age 18–70
A government initiative to empower women with monthly stipend, commission, and career growth.
Monthly Stipend
*Subject to performance norms.
Eligibility
Who can apply
Note: Relatives of existing agents are not eligible.
Apply Nowlife insurance Plans Library
All 40+ active life insurance plans · organized by your life goal · pick what matters to you
Difficulty choosing the right plan?
life insurance offers 40+ active plans across endowment, term, pension, money-back, ULIP and micro-insurance — a plan for every life stage. Don't get overwhelmed — our team listens to your goals, family situation and budget, then crafts the perfect policy for you.
3
life insurance's Amritbaal
Savings plan for kids 0–13 yrs with guaranteed additions every year. Lump-sum at maturity for higher education or wedding.
Know Morelife insurance's Jeevan Tarun
Limited-premium money-back for children with 4 maturity options — choose how the survival benefits are received between ages 20–24.
Know MoreNew Children's Money Back Plan
Survival benefits at ages 18, 20, 22 plus lump-sum at 25. Built-in protection if parent passes away.
Know More5
life insurance's Jeevan Akshay-VII
Immediate annuity — pay one premium, receive monthly / quarterly / half-yearly / yearly income for life. 10 annuity options to match your need.
Know Morelife insurance's New Jeevan Shanti
Deferred annuity — pay once now, defer your income start by 1–12 years, then receive lifelong pension at a higher rate.
Know Morelife insurance's Saral Pension
Standardised IRDAI-approved immediate annuity. Simple terms, single life or joint life options.
Know Morelife insurance's New Pension Plus
Unit-linked deferred pension. Build a market-linked retirement corpus during accumulation, then convert to annuity at vesting.
Know Morelife insurance's Smart Pension
Newest non-linked single-premium annuity solution. Multiple annuity options with flexibility for changing life-stage needs.
Know More6
life insurance's New Endowment Plan
The classic life insurance endowment for goal-based saving. Combines life cover with lump-sum at maturity. Term 12–35 years.
Know Morelife insurance's Jeevan Labh
Limited-premium endowment — pay for 10/15/16 yrs, get cover for 16/21/25 yrs. Earn bonus through the full policy term.
Know Morelife insurance's Jeevan Lakshya
Goal-protection endowment. If you pass away, annual income (10% of SA) goes to family until maturity — then lump-sum on top.
Know Morelife insurance's Bima Jyoti
Non-participating guaranteed plan. Adds ₹50 per ₹1,000 SA every year — fully guaranteed returns at maturity.
Know Morelife insurance's Nav Jeevan Shree
Newer non-participating endowment with attractive guaranteed additions, designed for predictable lump-sum savings.
Know Morelife insurance's Bima Lakshmi
A new participating endowment with periodic survival benefits and maturity — ideal for milestone-based savings.
Know More3
life insurance's Bima Shree
Premium money-back plan for High-Net-Worth customers. Periodic survival benefits during policy term plus maturity benefit.
Know MoreNew Money Back Plan — 20 Years
Cash payout every 5 years during the 20-year term, plus final maturity benefit. Life cover throughout.
Know MoreNew Money Back Plan — 25 Years
Cash payouts every 5 years across a 25-year term, plus maturity benefit. Longer cycle for slower payout cadence.
Know More5
life insurance's Single Premium Endowment Plan
One-time premium investment with guaranteed lump-sum at maturity plus life cover. Great for parking a one-time bonus.
Know Morelife insurance's Jeevan Utsav — Single Premium
Single-premium variant of Jeevan Utsav. One-time pay · whole-life cover + guaranteed annual income after deferment period.
Know MoreJeevan Akshay-VII (as single premium)
Pay once · receive lifetime pension immediately. Ideal for retirees converting a lump sum into monthly income.
Know MoreNew Jeevan Shanti (as single premium)
Single deposit · annuity starts after deferred period of your choice. Higher pension rate due to deferment.
Know Morelife insurance's Nivesh Plus
Single-premium ULIP. One-time deposit invested in market-linked funds with life cover. For those comfortable with equity-linked growth.
Know More3
life insurance's Jeevan Utsav
Whole-life cover with guaranteed additions every year of premium payment. Regular income option from end of deferment period.
Know Morelife insurance's Jeevan Umang
Whole-life endowment. After PPT, receive 8% of SA every year as survival benefit till age 100, then lump-sum to nominee.
Know Morelife insurance's New Jeevan Anand
Endowment with bonus PLUS additional whole-life cover after maturity. Maturity benefit + double protection in one plan.
Know More8
life insurance's New Tech-Term
Pure online term plan. High sum assured at very low premium. No maturity benefit — protection only.
Know Morelife insurance's New Jeevan Amar
Offline term plan for higher sum assured. Multiple SA options and benefit structures.
Know Morelife insurance's Digi Term
Fully digital term plan — quick online purchase, minimal paperwork. Ideal for tech-savvy young earners.
Know Morelife insurance's Yuva Term
Term plan tailored for younger lives with attractive premium rates and longer terms.
Know Morelife insurance's Saral Jeevan Bima
Standardised IRDAI term — same terms across all insurers. Simple, transparent, designed for first-time buyers.
Know Morelife insurance's Bima Kavach
New-generation term plan with flexible benefit options. Protect your family at affordable cost.
Know Morelife insurance's Digi Credit Life
Digital credit-linked term — outstanding loan amount is paid off if borrower passes away. Protects family from EMI burden.
Know Morelife insurance's Yuva Credit Life
Credit-linked term plan for younger borrowers — covers home loan, education loan, business loan EMIs.
Know More4
life insurance's Index Plus
ULIP tracking equity indices like Nifty. Market-linked growth combined with insurance cover.
Know Morelife insurance's Nivesh Plus
Single-premium ULIP. Choose your fund mix; investment grows market-linked with built-in life cover.
Know Morelife insurance's SIIP
Systematic Investment Insurance Plan — regular premium ULIP. Disciplined market investing with insurance.
Know Morelife insurance's Protection Plus
ULIP with stronger protection element. Higher life cover relative to investment portion.
Know More2
life insurance's Micro Bachat
Low-premium endowment for small savers. Combines life cover with savings — accessible to households with modest income.
Know Morelife insurance's Jan Suraksha
Affordable insurance for the masses. Designed to bring life-cover protection to every household.
Know More7
Accident Benefit Rider
Extra sum paid on accidental death or specified disability — over and above the base policy.
Know MoreAccidental Death & Disability Benefit Rider
Lump sum or income on accidental death plus partial/total disability protection.
Know MorePremium Waiver Benefit Rider
Future premiums are waived if the policyholder (often parent) dies — policy continues uninterrupted.
Know MoreNew Term Assurance Rider
Add a term-insurance component to a savings-based base plan for higher protection.
Know MoreCritical Illness Health Rider
Lump-sum benefit on diagnosis of specified critical illnesses — covers treatment cost without breaking savings.
Know MoreFemale Critical Illness Benefit Rider
Specialised critical illness rider for women, covering female-specific conditions.
Know MoreLinked Accidental Death Benefit Rider
Accidental death benefit for ULIP / linked policies — extra sum to family on accident.
Know MoreStill not sure which plan suits you?
Share your goal — child's future, retirement, home, tax saving — and we'll recommend the best-fit policy.
Policy Services
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