एल आई सी एजेंट कैसे बने और उसके क्या फायदे हैं।

Know more about the benefits of becoming an LIC agent

1. Rewarding Career

 You will help people realize their dreams by fulfilling their

 financial goals. The difference you make to their lives is 

more rewarding and satisfying than you could ever imagine.

2. A Successful Team

By joining LIC, you will be a part of the country's finest team 

of life insurance Agents. In the year 2015, LIC contributed 

4021 members to the Million Dollar Round Table: a global 

forum that salutes the world's most successful Insurance 

Agents.

3. Attractive Remuneration

LIC offer one of the best remuneration systems in the 

industry that not only takes care of your current earnings, 

but also guarantees an earning for the future. What's more, 

you can set your own income targets with a potential to earn 

as much as you want for the rest of your life.

4. Independence

As an Agent, you will be a true entrepreneur. You have the 

freedom to be your own boss: work for yourself, choose 

your own clients and make your own money. All of this, 

without your having to make any initial capital investment.

5. World-Class Training

LIC provide you with the best-in-class training systems, 

since that is what differentiates LIC Agent from the rest. 

Even if you don't have previous experience in selling, our 

multi-dimensional training programme conducted by our 

qualified in-house training personnel, will make you a 

specialist in life insurance sales.

6. Commitment To Career Agency System

Our commitment to the Career Agency System means that, 

LIC support you and your efforts not just today, but at every 

stage of your business. LIC believe in encouraging our 

Agents to strive towards the highest levels of success, 

throughout their careers. In fact, depending on your 

performance, LIC also offer a management career option 

with the company.

7. Infrastructure Support

LIC have invested in creating a state-of-the-art infrastructure 

at each of our Branch Offices. You will have access to the 

necessary tools, technology and people support that will 

enable you to build a profitable long-term business.

8. Full Range Of Products And Services

You can offer your customers over 50 product combinations 

of LIC's unique Products and Riders, to help them meet all 

their financial goals. In order to give you a greater 

competitive edge, LIC are also continuously working on 

newer and more innovative products.

9. Sales And Marketing Support

LIC support their Agents with innovative sales and 

marketing tools. The Sales, Promotions and Marketing 

collaterals that LIC provide will help you take your business 

to new heights.

10. Financial Strength

LIC offers you and your customer unmatched financial 

strength and solidity.

Procedure to become LIC Agent:

Education Qualification : Graduate (HSC pass will be 

considered for exceptional Candidates)

Mandatory Class room Training for 50 hours. ( About 10 

days) OR Online Training.

Passing of IRDA Examination.

Issue of License by IRDA.

Fees:

₹ 150 Registration Fees.

₹ 150 Online Training Fees. No Charges for Classroom 

training.

₹ 425 IRDA Examination Fee.

Total: ₹ 725 for Online Training OR

₹ 575 for Classroom Training.

Cost of Study Material of IRDA Exam will be Extra.

Working Conditions- Most insurance sales agents are 

based in small offices, from which they contact clients and 

provide information on the policies they sell. However, much 

of their time may be spent outside their offices, travelling 

locally to meet with clients, close sales, or investigate 

claims. Agents usually determine their own hours of work 

and often schedule evening and weekend appointments for 

the convenience of clients. Although most agents work a 40-

hour week, some work 60 hours a week or longer. 

Commercial sales agents, in particular, may meet with 

clients during business hours and then spend evenings 

doing paperwork and preparing presentations to prospective 

clients.

Employment- Insurance sales agents held about 11,00,000 

jobs in 2005. Although most insurance agents specialize in 

life or general insurance, a growing number of “multi-line” 

agents sell all lines of insurance.Training, Other 

Qualifications, And Advancement For insurance sales agent 

jobs, most companies and independent agencies prefer to 

hire college graduates—especially those who have majored 

in business or economics. High school graduates are 

occasionally hired if they have proven sales ability or have 

been successful in other types of work. In fact, many 

entrants to insurance sales agent jobs transfer from other 

occupations. In selling commercial insurance, technical 

experience in a particular field can help sell policies to those 

in the same profession.

As a result, new agents tend to be older than entrants in 

many other occupations. College training may help agents 

grasp the technical aspects of insurance policies and the 

fundamentals and procedures of selling insurance. Many 

colleges and universities offer courses in insurance, and a 

few schools offer a bachelor’s degree in the field. College 

courses in finance, mathematics, accounting, economics, 

business law, marketing, and business administration 

enable insurance sales agents to understand how social 

and economic conditions relate to the insurance industry. 

Courses in psychology, sociology, and public speaking can 

prove useful in improving sales techniques. In addition, 

because computers provide instantaneous information on a 

wide variety of financial products and greatly improve 

agents’ efficiency, familiarity with computers and popular 

software packages has become very important.

Insurance sales agents must obtain a license in from IRDA. 

Separate licenses are required for agents to sell life and 

general insurance. Licenses are issued only to applicants 

who complete specified pre-licensing courses and who pass 

IRDA examinations covering insurance fundamentals and 

insurance laws.

A number of organizations offer professional designation 

programs that certify one’s expertise in specialties such as 

life, health, and general insurance, as well as financial 

consulting. Although voluntary, such programs assure 

clients and employers that an agent has a thorough 

understanding of the relevant specialty. Agents are usually 

required to complete a specified number of hours of 

continuing education to retain their designation.

Employers also are placing greater emphasis on continuing 

professional education as the diversity of financial products 

sold by insurance agents increases. It is important for 

insurance agents to keep up to date on issues concerning 

clients. Changes in tax laws, government benefits 

programs,and other State and Central Government 

regulations can affect the insurance needs of clients and 

the way in which agents conduct business. Agents can 

enhance their selling skills and broaden their knowledge of 

insurance and other financial services by taking courses at 

colleges and universities and by attending institutes, 

conferences, and seminars sponsored by insurance 

organizations. IRDA also has mandatory continuing 

education requirements focusing on insurance laws, 

consumer protection, and the technical details of various 

insurance policies.

Insurance sales agents should be flexible, enthusiastic, 

confident, disciplined, hard working, and willing to solve 

problems. They should communicate effectively and inspire 

customer confidence. Because they usually work without 

supervision, sales agents must be able to plan their time 

well and have the initiative to locate new clients.

An insurance sales agent who shows ability and leadership 

may become a Development Officer in a Branch Office. A 

few advance Assistant Branch Manager (Sales) and higher 

marketing positions. However, many who have built up a 

good clientele prefer to remain in sales work.

 

 

एल आई सी एजेंट बनने के नुकसान - 

एल आई सी की एजेंसी एक TARGET BASED कार्य है , इसमें आपको हर साल 12 पालिसी करनी पड़ती है , अगर आपने वो 12 पॉलिसी नहीं की तो आपकी एजेंसी  बर्खास्त  (TERMINATE) कर दी जाती है , और एल आई सी आपके द्वारा की हुई पुरानी पालिसी के प्रीमियम पर भी आपको कोई भी COMMISSION नहीं देती है। 

इस तरह आपके द्वारा किये गए समस्त मेहनत पर पानी फिर जाता है , इसलिए जो लोग इस विषय में जानकारी रखते है वो एल आई सी एजेंट नहीं बनना चाहते है।