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How to Become LIC Agent

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As an LIC agent, you’ll have the opportunity to work with clients, educate them about the importance of life insurance, and help them find policies that meet their needs. Plus, you’ll enjoy the flexibility of setting your own schedule and earning a good income through commissions.

Becoming an LIC agent is a straightforward process including eligibility criteria, training programs, and licensing exams.

Here are the steps you need to take to become an LIC agent:

7 Steps to Become an LIC Agent

#1. Meet the Eligibility Criteria

Before you can become an LIC agent, you’ll need to meet the eligibility criteria. Here’s what you need to know:

  • Age: You must be at least 18 years old to become an LIC agent.
  • Educational Qualifications: You need to have a minimum qualification of 12th standard (or equivalent) to become an LIC agent.
  • Other Requirements: You need to be a resident of India, and you should not have a criminal record or a history of financial fraud.

#2. Contact the Development Officer

You can contact the LIC Development Officer in your nearest LIC branch or apply online through the official website. 

#3. Submit the Documents

You need to submit your documents to the development officer. Documents are:

  • 4 Colour Photos
  • Age Proof
  • School Leaving Certificate
  • S.S.C Marksheet
  • H.S.C. Marksheet
  • Graduation Marksheet
  • Pan Card
  • Address Proof
  • Cancelled Cheque

After submitting the document, the development officer will conduct an interview. Successful candidates will undergo training at the Divisional/Agency Training Centre.

#4. Pay the Basic Fees

You need to pay the basic fees for the registration, training program and the licensing exam.

  • Registration fees – Rs 150 
  • Online Training – Rs 150 
  • Online Exam Fees – Rs.500

#5. Complete the Training Program

You will have to complete the mandatory training program of 25 hours, either offline or online.  The training program covers the basics of life insurance and gives you the knowledge you need to pass the licensing exam.

#6. Pass the Licensing Exam

After completing the training program, you’ll need to pass the licensing exam. The exam is conducted by the Insurance Regulatory and Development Authority of India (IRDAI) and covers topics such as life insurance, insurance laws, and ethical practices. You’ll need to score at least 17 out of 50 marks to pass the exam.

#7. Get your LIC Agent License

Once you pass the exam, you will receive your LIC Agent License, and you can start your career as an LIC agent. You will work with the team under the supervision of Development Officer.

What Are the Duties of an LIC Agent?

As an LIC agent, your duties will include selling life insurance policies like LIC New Jeevan Shanti plan, advising clients on insurance products, and managing policyholder accounts. You’ll also need to meet with clients, answer their questions, and help them file claims when necessary.

To be successful as an LIC agent, you’ll need to have excellent communication skills, be empathetic, and have a strong work ethic. You should also be comfortable working with numbers and have a good understanding of financial products.

What Are the Different Types of LIC Agents?

There are several types of LIC agents, including individual agents, corporate agents, and brokers. 

  • Individual agents work independently and are responsible for selling policies and managing client accounts. 
  • Corporate agents work for a specific company and sell insurance policies on its behalf. 
  • Brokers, on the other hand, work with multiple insurance companies and offer policies from different providers.

The type of LIC agent you become will depend on your personal preferences and career goals.

If you want to work independently and have more control over your schedule, becoming an individual agent might be the best choice for you. 

If you prefer to work with a company and have access to a broader range of insurance products, you might consider becoming a corporate agent or broker.

How Much Can You Earn as an LIC Agent?

As an LIC agent, your income will depend on the number of policies you sell and the commissions you earn. LIC agents typically earn a commission on each LIC policy they sell, with higher commissions for higher-premium policies. The commission rate can vary depending on the type of policy and the insurer you work with.

According to LIC’s website, agents can earn a commission of up to 35% on the first year’s premium and up to 7.5% on renewal premiums for 2nd & 3rd year + up to 5% till the policy maturity. 

The commission rates may vary depending on the policy and the insurer, so it’s essential to research the commission rates before you start working with any particular company.

In addition to commissions, LIC agents can also earn bonuses and incentives for meeting sales targets and achieving performance goals. 

Overall, the earning potential for an LIC agent is quite high, and with dedication and hard work, you can earn a good income as an LIC agent.

Benefits Of Becoming An LIC Agent

#1. Flexible Working Hours

LIC agents have the flexibility to work part-time or full-time, depending on their preferences. This is particularly beneficial for individuals who have other commitments, such as family responsibilities or other jobs.

#2. Earning Potential

LIC agents have the potential to earn a substantial income, which is often based on commission. The more policies an agent sells, the more commission they can earn. This means that there is no limit to the amount of money that an LIC agent can earn, and it is entirely dependent on their sales performance.

#3. Opportunities for Personal and Professional Growth

Becoming an LIC agent also provides opportunities for personal and professional growth. As an LIC agent, you can develop your communication and networking skills, as well as your knowledge of the insurance industry. You will also have the opportunity to meet new people and build long-lasting relationships with clients.

#4. Helping People

LIC agents play a vital role in ensuring the financial security of their clients by offering them insurance policies such as LIC’s New Children Money Back Plan. This plan not only provides financial coverage but also helps clients to plan for future financial needs such as education, marriage, or other important events in their children’s lives. This can be a highly rewarding aspect of the job.

#5. Recognition and Rewards

LIC agents are recognized and rewarded for their efforts, which can include incentives, bonuses, and awards for achieving sales targets. The company also provides various training programs, conferences, and seminars for personal and professional growth, which helps to keep the agents motivated and engaged in their work.


Becoming an LIC agent can be a rewarding and fulfilling career choice for anyone who enjoys working with people and has an interest in financial products. By following the above mentioned steps, you can become an LIC agent and start building a successful career in the insurance industry.

Remember that being an LIC agent requires hard work, dedication, and strong communication skills. But with the right training and support, you can become a successful agent and help your clients protect their families and secure their futures. 


#1. What is the customer care number for LIC Agents?

LIC agents can contact at 022-67090501/022-67090502 for any query related to policy, login, and dashboard.

#2. Do I need to have prior sales experience to become an LIC agent?

No, you don’t need to have prior sales experience to become an LIC agent. However, having good communication skills and a customer-oriented mindset can help you succeed as an LIC agent.

#3. Can I become an LIC agent part-time?

Yes, you can become an LIC agent part-time. As an LIC agent, you have the flexibility to set your own schedule and work part-time or full-time, depending on your preferences.

arun singh

Arun Singh is a experienced server management geek and he has more than 8 years of experienced handling hosting server and he do sometimes share his knowledge in digital marketing. He currently with private company in Mumbai, India and he handles server management at

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