How to Become a LIC Agent in India – Step by Step Guide 2025

Want to start your career as a LIC agent? Learn step-by-step process, eligibility, documents, commission structure, benefits, and tips to become a successful LIC agent in India.

Introduction

Life Insurance Corporation of India (LIC) is the largest and most trusted life insurance company in India. Becoming a LIC agent is one of the best career opportunities for those who want flexible working hours, unlimited income potential, and a respectable profession.

If you’re wondering how to become a LIC agent, this guide will walk you through everything you need to know – from eligibility criteria, registration process, documents required, to training, exams, and commission structure.

Why Become a LIC Agent?

Before we dive into the process, let’s understand why lakhs of people choose LIC agency as their career.

✅ Benefits of Becoming a LIC Agent

Unlimited Earning Potential – Your income depends on the policies you sell. There’s no fixed salary, but the commissions are very attractive.
Prestigious Profession – You help families secure their financial future.
Flexible Working Hours – You are your own boss. Work full-time or part-time.
Zero Investment Required – No big office or setup needed.
High Growth Opportunities – LIC agents can become Development Officers, join MDRT (Million Dollar Round Table), and earn international recognition.
Lifetime Income – Renewal commissions provide continuous income for years.

Eligibility Criteria to Become a LIC Agent

LIC has simple requirements to become an agent.

Criteria	Requirement
Minimum Age	18 years
Education	At least 10th pass (for rural areas) / 12th pass (for urban areas)
Nationality	Indian
Other Requirement	PAN card mandatory

Documents Required

To apply as a LIC agent, you need to submit the following documents:

PAN Card
Aadhaar Card / Voter ID / Passport (for ID proof)
2 Passport-size photographs
Educational certificates (10th/12th or above)
Address proof (Electricity bill, Rent agreement, etc.)
Bank account details

Step-by-Step Process: How to Become a LIC Agent

Now, let’s go step by step.

1. Contact a Development Officer or LIC Branch

Visit your nearest LIC branch office.
Meet the Development Officer (DO) or Branch Manager who recruits and trains LIC agents.

2. Fill Application Form

Submit your personal details, educational certificates, and required documents.
Pay the nominal registration fees (if applicable).

3. Undergo LIC Training

LIC provides mandatory training of 25 hours (online or offline).
Training covers insurance basics, types of policies, selling techniques, ethics, and IRDAI rules.
You can choose classroom training at the branch or online training.

4. Appear for IRDAI Exam

After training, you must pass the IRDAI (Insurance Regulatory and Development Authority of India) Exam.
Exam Details:
- Mode: Online
- Type: Objective (MCQ)
- Passing Marks: 35 out of 100
Subjects include insurance basics, LIC products, and IRDAI regulations.

5. Get Appointment Letter & LIC Agent Code

Once you pass the IRDAI exam, LIC will issue you an appointment letter and an agent code.
Now you are officially a LIC agent.

6. Start Selling Policies

Meet prospects, explain policies, and issue insurance plans.
Earn commissions on every policy sold and renewals.

LIC Agent Commission Structure (Earning Potential)

One of the main reasons people join LIC as agents is high commission.

Commission on Different LIC Plans:

Policy Type	First Year Commission	Second & Third Year	From 4th Year Onwards
Endowment Plans	25% – 35%	7.5%	5%
Money Back Plans	15% – 25%	10%	5%
Term Insurance	25% – 35%	7.5%	5%
Single Premium Policies	2%	–	–

👉 Example: If you sell a policy with ₹50,000 yearly premium:

In the first year, you may earn ₹12,500 (25%).
In second year, you earn ₹3,750 (7.5%).
From 4th year onwards, you still get ₹2,500 (5%) every year as renewal commission.

This means, your past sales keep paying you for years.

Career Growth for LIC Agents

A LIC agent is not just a salesperson. With good performance, you can grow to higher positions:

Development Officer (DO) – You recruit and manage other agents.
Club Memberships – LIC recognizes top agents with awards, bonus, and international trips.
MDRT (Million Dollar Round Table) – Global recognition for top-performing agents.

Skills Required to Become a Successful LIC Agent

Good communication skills
Persuasion & convincing power
Patience & relationship-building skills
Confidence in explaining policies
Basic knowledge of finance and insurance

Tips to Succeed as a LIC Agent

Build trust with your clients – insurance is about faith.
Always provide the right advice – don’t just chase commission.
Maintain long-term relationships for renewal income.
Use digital platforms (WhatsApp, YouTube, Facebook) to reach more people.
Stay updated with new LIC policies.

FAQs on Becoming a LIC Agent

Q1. What is the minimum qualification to become a LIC agent?
You must be at least 10th pass (rural) or 12th pass (urban).

Q2. How much can a LIC agent earn?
There is no limit. Many agents earn ₹50,000 to ₹1,00,000+ per month, and top agents earn lakhs monthly.

Q3. Is there any age limit?
Minimum age is 18 years. No upper age limit.

Q4. How long does it take to become a LIC agent?
Usually 1–2 months (training + exam + appointment).

Q5. Do I need to invest money?
No major investment. Only small registration/training fees may be required.

Q6. Can I do LIC agency part-time?
Yes, you can work full-time or part-time.

Q7. Is LIC agent a government job?
No. LIC agents are independent advisors, not salaried employees.

Conclusion

Becoming a LIC agent is one of the most rewarding careers in India. With flexible working hours, unlimited earning potential, and lifetime income through renewals, it is a perfect opportunity for students, housewives, retired persons, and professionals.

All you need is dedication, communication skills, and honesty towards your clients. Once you start, your earnings and recognition will keep growing year after year.

If you are ready, visit your nearest LIC branch today and take the first step towards a successful career as a LIC agent.