LIC (Life Insurance Corporation of India) is one of the most trusted and leading insurance companies in the country. Becoming an LIC agent is a great opportunity for individuals looking to start a stable and flexible career. Whether you want to work full-time or part-time, LIC offers excellent earning potential and career growth.

In this blog, we will explain how to join LIC as an agent through both online and offline methods. We’ll also cover the eligibility criteria, documents required, training, exam process, and more, step by step.

Who Can Become an LIC Agent?

LIC has a simple and inclusive process for becoming an agent. You don’t need to have advanced educational qualifications or work experience to get started.

To become an LIC agent, you must meet the following basic eligibility requirements:

  • You must be at least 18 years old at the time of application.
  • You should have completed your 10th standard (SSC) from a recognized board.
  • You must have basic communication skills and a genuine interest in helping people with financial planning.

Anyone who meets these criteria can apply, including students, homemakers, retirees, and working professionals.

Why Become an LIC Agent?

Working as an LIC agent offers many benefits, both professionally and personally. It’s not just a job—it’s a career where you control your income and growth.

Here are some key advantages:

  • Flexible working hours – You can choose your own schedule and work at your convenience.
  • Attractive commissions – You earn on every policy sold and even get renewal commissions.
  • Recognition and rewards – LIC offers performance-based incentives, bonuses, and even international trips.
  • Job satisfaction – You help people secure their financial future, which adds purpose to your work.

Becoming an LIC agent is ideal for anyone who wants to earn income while helping others.

Documents Required to Become an LIC Agent

Before you begin the registration process, you need to have certain documents ready. These documents are used for identity verification, qualification proof, and application purposes.

Here’s a list of the most commonly required documents:

  • Aadhaar Card and PAN Card – For identity and tax verification.
  • 10th standard mark sheet or certificate – As proof of educational qualification.
  • Passport-size photographs – Usually 2–4 copies.
  • Address proof – Utility bills, voter ID, or rental agreement.
  • Cancelled cheque or bank passbook – For commission payment setup.

Make sure to have both the original and photocopies of these documents if applying offline. For online registration, keep scanned copies ready.

How to Join LIC as an Agent: Offline Method

The offline method is suitable for those who prefer face-to-face communication or need personal guidance. Here are the steps to apply through a local LIC branch:

1. Visit the Nearest LIC Branch

Go to your nearest LIC office and ask to meet a Development Officer. This officer is responsible for guiding and mentoring new agents.

They will give you a brief about the job role, expected responsibilities, and income potential.

2. Submit Your Application and Documents

You will need to fill out a simple application form. Submit it along with your educational certificates, ID proof, photographs, and address proof.

The Development Officer will verify your documents and proceed with the next step.

3. Attend a Preliminary Interview

A short personal interview may be conducted to understand your communication skills and interest in the job. This is an informal step and is used to assess your suitability.

If you clear this stage, you’ll be enrolled in the training program.

4. Complete 25 Hours of Mandatory Training

LIC conducts a 25-hour training program either at their branch or a designated training centre. The training covers:

  • Basics of life insurance
  • LIC products
  • Ethics and customer handling
  • IRDAI regulations

This training is essential before you can appear for the licensing exam.

5. Appear for the IRDAI Exam

After training, you must pass the IRDAI exam (conducted by the Insurance Regulatory and Development Authority of India). It’s an online test with multiple-choice questions based on the training syllabus.

A minimum score of 35% is required to pass.

6. Receive Your License and Start Working

Once you pass the exam, you will receive an IRDAI license, your agent code, and an official ID card. You can now start working as a registered LIC agent under the supervision of your Development Officer.

How to Join LIC as an Agent: Online Method

LIC also offers an online option to make the registration process easier and more convenient. Here is how you can apply from home:

1. Visit the LIC Official Website

Go to the official LIC website. On the homepage, scroll down and click on the link “Be an Agent” under the “Join Our Team” section.

2. Fill Out the Online Application Form

Click on “Apply Now” and fill in your basic details such as:

  • Full name
  • Mobile number
  • Email address
  • Date of birth
  • Educational qualification
  • Preferred LIC branch location

Double-check all the details before submitting the form.

3. Upload Scanned Documents

You will be asked to upload scanned copies of your documents. Ensure that all files are clear and within the size limits mentioned.

The documents usually include:

  • PAN card
  • Aadhaar card
  • 10th pass certificate
  • Recent photo

Once uploaded, submit the form for review.

4. Get Contacted by a Development Officer

After submission, a Development Officer from the selected LIC branch will contact you. They will guide you through the remaining steps, including training and exam registration.

You may also be required to attend an online orientation or a short virtual interview.

5. Complete Online Training and Exam

Once accepted, you will undergo the same 25-hour training, which may be delivered online via videos or live sessions. After training, you’ll register for the IRDAI exam, which can also be taken online.

Once you pass, you’ll receive your license digitally and can begin working immediately.

LIC Agent Exam: Key Details

The IRDAI exam is mandatory to become a licensed insurance agent. Here are the main details to help you prepare:

  • Exam format: Multiple-choice questions (MCQs)
  • Duration: 1 hour
  • Passing marks: 35%
  • Mode: Online (at a centre or home-based)
  • Language options: English, Hindi, and regional languages

It’s advisable to revise training materials and take mock tests for better preparation.

Commission and Earning Potential

LIC agents earn based on the number and value of policies they sell. The more policies you sell, the more you earn.

Here’s a general idea of commissions:

  • First-year commission: 15% to 35% of the premium
  • Renewal commission: 5% to 7.5% for every renewal year
  • Bonus commission: Based on performance and policy types

There is no limit to your income. Experienced agents with large client bases can earn lakhs per year, including incentives, club memberships, and foreign trips.

Tips to Succeed as an LIC Agent

Success as an LIC agent depends on your communication, consistency, and client service. Here are a few tips to help you do well:

  • Build strong relationships with your clients
  • Stay updated about LIC’s latest policies and offers
  • Follow up regularly with policyholders for renewals
  • Use digital platforms and social media for outreach
  • Attend LIC training programs and agent meets for learning
  • With time, trust, and good service, you can grow your client base and earn more.
  • Final Thoughts

Becoming an LIC agent is a simple yet rewarding process. Whether you choose the online or offline route, LIC provides all the support and training you need to begin your career confidently. It’s a great way to work independently, help others, and earn a stable income.

If you're ready to take the first step toward a successful future, now is the right time to start your journey as an LIC agent.