Life Insurance Corporation of India (LIC), the country’s largest financial and insurance institution, is opening new opportunities under the LIC Insurance Agent Recruitment 2026.
Insurance Agents play a crucial role in helping individuals secure their financial future through life insurance, term plans, pension schemes, savings plans, and health protection products.

The role offers flexible working hours, uncapped commission income, long-term career stability, and financial growth, making it one of the most sought-after positions in India’s insurance sector.

This detailed guide explains the eligibility, registration process, training module, exam pattern, commission structure, job responsibilities, and career roadmap for LIC Agents in 2026.

Table of Contents

1. Overview of LIC Insurance Agent Role
2. LIC Agent Recruitment 2026 Highlights
3. Eligibility Criteria
4. Skills Required
5. Job Responsibilities
6. Types of LIC Insurance Plans You Will Sell
7. Commission Structure (Policywise Earnings)
8. Training & Pre-Licensing Process
9. LIC Agent Exam Pattern
10. How to Apply for LIC Agent Recruitment 2026
11. Required Documents
12. Work Benefits
13. Career Growth Path
14. FAQs
15. Final Summary

1. Overview of LIC Insurance Agent Role

An LIC Agent helps customers choose suitable insurance solutions such as:

• Term Insurance
• Endowment Policies
• Retirement & Pension Plans
• Child Education Plans
• Health Riders & Wealth Plans

The agent is responsible for explaining policy benefits, completing KYC, assisting in documentation, and building long-term financial relationships with clients.

It is a government-regulated insurance role under IRDAI, offering strong earning potential.

2. LIC Agent Recruitment 2026 – Key Highlights

Category	Details
Organization	Life Insurance Corporation of India
Post	LIC Insurance Agent
Qualification	Minimum 10th Pass (varies by state)
Age Limit	18 years and above
Registration Mode	Online / Offline
Selection	Pre-recruitment training + IRDAI Exam
Income Type	Commission-based + Bonuses
Work Type	Part-time / Full-time

3. Eligibility Criteria

To apply for LIC Insurance Agent Recruitment 2026:

✔ Age Limit:

Minimum 18 years. No upper age limit for most divisions.

✔ Educational Qualification:

• Minimum 10th pass for rural areas
• 12th pass for urban areas

✔ Nationality:

Indian citizen.

✔ Background:

No criminal or financial fraud history.

4. Skills Required

• Good communication skills
• Basic financial product knowledge
• Customer relationship building
• Sales & persuasion skills
• Understanding of insurance planning
• Ability to guide clients on long-term financial decisions

5. Job Responsibilities of an LIC Agent

✔ Policy Promotion & Customer Guidance

Explain LIC products such as Term Plans, Money-Back Plans, Pension Plans.

✔ Customer KYC & Documentation

Assist clients in submitting Aadhaar, PAN, bank details, nomination forms.

✔ Financial Need Analysis

Understand customer needs for:

• Family protection
• Retirement planning
• Child education planning

✔ Premium Collection Assistance

Guide clients on online/offline premium payments.

✔ After-Sales Service

Help customers with:

• Policy loans
• Revival
• Claim assistance

✔ Monthly Target Achievement

Meet business targets set by LIC Branch Office.

6. Types of LIC Insurance Products You Will Sell

LIC offers over 20+ financial protection products, including:

• LIC Jeevan Labh
• LIC New Jeevan Anand
• LIC Tech Term
• LIC Bachat Plus
• LIC Saral Pension Yojana
• LIC Child Future Plan
• ULIP Investment Plans
• Endowment & Money-Back Policies

Each product provides a different earning opportunity for agents.

7. Commission Structure for LIC Insurance Agents (2026)

Agents earn commission on policy premiums, and earnings increase with performance.

First Year Commission:

15% – 35% depending on policy type.

Second & Third Year Renewal Commission:

5% – 7.5%

Fourth Year Onwards:

5% – 7.5% annually

Special Bonus:

Additional 5–40% bonus depending on total annual business.

This structure makes the LIC Agent role financially rewarding over time.

8. Training & Pre-Licensing Process

Before becoming an LIC Agent, you must complete:

✔ 25 hours of IRDAI-approved training

Topics include:

• Basics of life insurance
• Financial planning
• Policy structures
• Insurance laws
• Risk management
• Ethics & customer service

For online candidates, training is provided through digital learning modules.

9. LIC Agent Exam Pattern (IRDAI Exam)

✔ Mode: Online

✔ Type: Multiple-choice questions

✔ Number of Questions: 50

✔ Passing Marks: 17/50

✔ Duration: 60 minutes

Subjects include:

• Life insurance basics
• Financial products
• IRDAI regulations
• Policy suitability
• Ethical selling practices

The exam is simple and beginner-friendly.

10. How to Apply for LIC Insurance Agent Recruitment 2026

There are two methods:

A. Online Application Process

1. Visit your nearest LIC division website
2. Click on “Join as LIC Agent”
3. Fill the online form
4. Upload documents
5. Attend video KYC verification
6. Complete IRDAI training
7. Pass the LIC Agent exam
8. Receive appointment letter

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B. Offline Application Method

1. Visit your nearest LIC branch
2. Meet the Development Officer (DO)
3. Submit documents
4. Attend pre-recruitment training
5. Pass the IRDAI exam
6. Receive your LIC Agent ID card

11. Required Documents

• Aadhaar card
• PAN card
• Bank passbook
• 10th/12th certificate
• Passport-size photos
• Address proof
• Signature sample

12. Benefits of Working as an LIC Insurance Agent

✔ Unlimited earning potential

✔ Work at your own pace (Part-time/full-time)

✔ High renewal income (lifetime earnings)

✔ Zero investment career

✔ Government-regulated profession

✔ Awards, foreign tours & recognition

✔ Strong long-term financial stability

13. Career Growth Path

An LIC Agent can grow into:

• Senior LIC Agent
• Team Leader
• Development Officer (DO)
• Branch Manager
• Senior Divisional Manager
• Zonal Manager

Performance-based promotions bring higher incentives and authority.

14. Frequently Asked Questions (FAQs)

Q1: Is LIC Agent a permanent job?

It is a commission-based professional role regulated by IRDAI.

Q2: Is a degree required?

No, 10th/12th pass is enough.

Q3: Can women join as LIC Agents?

Yes, it is one of the best flexible careers for women.

Q4: Do agents earn monthly salary?

Agents earn commission + bonus, not fixed salary.

Q5: How much can an active LIC Agent earn?

Income depends on performance. Many full-time agents earn significantly high monthly income.

15. Final Summary

LIC Insurance Agent Recruitment 2026 offers a strong opportunity for individuals interested in financial advisory, insurance sales, customer service, and long-term wealth planning.
With flexible working hours, zero investment, unlimited commission potential, and stable long-term income through renewals, this is one of the most rewarding careers in India’s insurance sector.

Aspiring candidates should complete IRDAI training, pass the exam, and begin their journey with LIC — India’s most trusted life insurance company.