The
insurance industry in India is expanding rapidly, creating a strong demand for
trained and certified professionals who can help customers choose the right
policies. Among the most popular and beginner-friendly roles is the POSP Insurance Agent (Point of
Sales Person). A
POSP can sell motor, health, travel, and other simple insurance products,
earning attractive commissions with flexible working hours.
If
you are looking to start a rewarding career in the insurance sector, applying
for a POSP certification online is the fastest and easiest way. In this
detailed guide, we explain how to apply for Insurance
POSP online, eligibility, documents, benefits,
commissions, and a step-by-step process to get started—using practical insights
based on 15+ years of insurance industry experience.
What Is a POSP
Insurance Agent?
A
POSP (Point of Sales Person)
is a certified insurance representative authorized by IRDAI (Insurance
Regulatory and Development Authority of India) to sell pre-approved and
simplified insurance products. These include:
·
Motor
Insurance (Car & Bike)
·
Health
Insurance
·
Travel
Insurance
·
Personal
Accident Insurance
·
Term
Micro Insurance Plans
The
POSP model is designed to empower individuals who want to work part-time or
full-time, either from home or in a hybrid mode, without needing a financial
background.
Why Become a POSP
Insurance Agent? (Benefits)
Becoming
a POSP offers several advantages:
1. Zero Investment Career
You
don’t need an office or capital to begin. All training and onboarding are done
online.
2. Work from Anywhere
Sell
insurance through your mobile or laptop—ideal for students, homemakers, retired
individuals, freelancers, and professionals.
3. High Commission Earnings
You
earn every time you sell a policy and during renewals. Motor and health
policies offer excellent commission slabs.
4. Quick Certification
The
IRDAI-approved POSP training is only 15 hours and can be completed online.
5. Professional Growth
Once
you gain experience, you can upgrade to a full-time insurance agent or explore
specialized insurance products.
Eligibility to
Become an Online POSP in India
To
apply for POSP online, you must meet the following criteria:
·
Age: Minimum 18 years
·
Education: At least Class 10th pass
·
Documents: Basic KYC (Aadhar, PAN, photo, bank
account)
·
Training: Completion of 15-hour IRDAI training
through a registered insurer or intermediary
·
Certification: Pass the final assessment
These
minimal requirements make POSP one of the easiest insurance careers to start.
Documents Required
to Apply for POSP Online
Keep
the following documents ready before starting the online registration:
·
Aadhaar
Card
·
PAN
Card
·
Recent
passport-sized photograph
·
Bank
account details
·
Address
proof
·
Class
10th certificate (or higher)
Uploading
clear and valid documents ensures faster verification.
How to Apply for
Insurance POSP Online? (Step-by-Step Process)
Here
is a complete, easy-to-follow process to apply for POSP online:
Step 1: Visit a
Trusted POSP Registration Platform
Start
by choosing a reputed and IRDAI-certified insurance intermediary or company
that offers POSP onboarding. Many leading insurance companies and online
platforms provide digital registration.
Look
for:
·
Trusted
platform
·
Easy
onboarding
·
Zero-cost
registration
·
Access
to multiple insurance products
Step 2: Complete
the Online Registration Form
Fill
in basic personal information such as:
·
Name
·
Mobile
number
·
Email
ID
·
Address
·
Date
of birth
Verify
your mobile number through OTP authentication.
Step 3: Upload KYC
Documents
Upload
your Aadhaar, PAN card, photograph, and educational certificate. The system
will automatically validate your details for faster approval.
Step 4: Complete
the IRDAI-Mandated Training
This
15-hour training is conducted online with easy video lessons covering:
·
Basics
of insurance
·
Types
of policies
·
Customer
interaction
·
Underwriting
concepts
·
IRDAI
rules and ethics
·
Do’s
and don’ts for POSP agents
You
can complete the training at your own pace.
Step 5: Take the
POSP Certification Exam
After
completing the training, you must take the online assessment. This exam tests
your understanding of insurance basics.
Once
you pass, you will be granted an official POSP Certificate.
Step 6: Get
Activated as a POSP Agent
After
certification, your profile is activated. You will receive:
·
POSP
Code / ID
·
Access
to an online portal or app
·
Product
training resources
·
Support
for selling insurance policies
From
here, you can instantly start selling insurance and earning commissions.
How Much Can a POSP
Insurance Agent Earn?
POSPs
earn attractive commissions that depend on the product type. Approximate
commission ranges:
·
Bike Insurance: 10–15%
·
Car Insurance: 10–18%
·
Health Insurance: 15–25%
·
Travel Insurance: 10–20%
Many
successful POSP agents earn between ₹20,000 to ₹1,00,000+ per month, depending on their
customer base and sales activity.
Why Apply for POSP
Online in 2025?
The
digital insurance market in India is booming, and customers prefer buying
policies online. This makes 2025 an excellent time to start your POSP journey.
Key
trends:
·
Rising
adoption of online insurance
·
Increased
demand for health & motor policies
·
Attractive
commissions for POSP agents
·
Flexible
work-from-home model
·
Growing
digital literacy across India
By
becoming a POSP now, you position yourself for long-term growth in the
insurance space.
Tips to Succeed as
an Insurance POSP
Here
are expert suggestions based on years of industry experience:
·
Build
good customer communication skills
·
Stay
updated with insurance products
·
Use
social media to reach more customers
·
Offer
honest, trustworthy advice
·
Keep
track of renewals for recurring income
·
Maintain
strong follow-ups
Providing
excellent service helps you build a loyal customer base and boosts your income
automatically.
Conclusion
Applying
for Insurance POSP online
is one of the easiest and most cost-effective ways to start a rewarding career
in 2025. With minimal requirements, flexible working hours, and strong earning
potential, the POSP model is ideal for students, homemakers, working
professionals, and anyone looking for a stable side or full-time income.
By
following the step-by-step guide above, you can quickly complete your
registration, training, certification, and begin your journey as a successful
POSP Insurance Agent.
Frequently Asked
Questions.
Q.1. What is the
full form of POSP?
POSP
stands for Point of Sales Person,
an IRDAI-certified individual who can sell simplified insurance products.
Q.2. Can I apply for POSP online?
Yes,
the entire POSP application, training, and certification process can be
completed online.
Q.3. What is the minimum
qualification for a POSP?
You
must have passed at least Class 10th.
Q.4. How long is the POSP training?
The
IRDAI-mandated training is 15 hours and can be completed online.
Q.5. Do POSP agents earn good income?
Yes,
POSPs earn attractive commissions, with many earning between ₹20,000 to
₹1,00,000+ monthly.
