IRDAI Certified Insurance Agent is the first step toward building a trusted and rewarding career in the insurance sector. In 2025, with evolving regulations and digital traction, the process is both structured and accessible for aspirants across India.
This guide explains every step—eligibility, exam, certification, and licensing—to help you become a successful IRDAI-certified insurance agent in India.
📌 Step 1: Eligibility Criteria
- Must be an Indian citizen aged 18 years or above
- Minimum qualification: 10+2 (Senior Secondary) from a recognized board
- No criminal record or insurance-related ban
- Some companies require additional educational qualifications (e.g. graduate or diploma)
📚 Step 2: Complete the IRDAI Pre-Licensing Course
- Register with a General or Life Insurance company recognized by IRDAI
- Enroll in a training program conducted by either:
- The insurer directly
- Approved training institutes listed by IRDAI
- Duration: Typically 30 hours, covering:
- Insurance fundamentals, ethics, laws
- Product knowledge (life or general insurance)
- Sales, documentation, claim procedures
📝 Step 3: Pass the IRDAI Certification Exam
- Exam conducted by the Insurance Institute of India (III) or accredited center
- Format: Multiple-choice questions
- Passing marks: 60% or more
- Valid for 1 year for license application
- Costs: Exam fee (~₹500–₹1,000) and nominal training charges
🪪 Step 4: Obtain Your IRDAI License
Post-exam, you must:
- Submit application to your insurance company
- Submit documents: certificate, ID proof, education, photograph
- Pay license fees (~₹500 annually)
- Receive official IRDAI Agent Code
Once licensed, you can begin selling insurance policies—life or general, or both.
💼 Step 5: Building Your Insurance Practice
- Attend regular Continuing Education (CE) sessions to stay IRDAI compliant
- Access company lead generation tools & training
- Use digital channels and platforms like Policybazaar or aggregator partnerships to grow your client base
- Maintain ethical sales practices, especially regarding:
- Product suitability
- Full disclosure of premiums, charges, and exclusions
🔍 Why Becoming an IRDAI Certified Insurance Agent Is Worth It
- ✅ Regulated career path under IRDAI supervision
- ✅ Opportunity to earn commissions and incentives based on sales
- ✅ Flexible work mode: office or remote
- ✅ High demand in Tier 2 and Tier 3 cities due to insurance penetration growth
- ✅ Professional credibility with the official agent code
🙋 Frequently Asked Questions (FAQs)
Q1: How long does the IRDAI license remain valid?
A: The IRDAI license is valid as long as you remain associated with a registered insurer and comply with renewal protocols.
Q2: Can I sell both life and general insurance?
A: Yes, but only after obtaining separate certification and licensing for each category.
Q3: What is the renewal cost for an IRDAI license?
A: Generally, around ₹500 every year; plus any associated company fees.
Q4: Is pre-exam training mandatory?
A: Yes—IRDAI mandates 30 hours of training before taking the certification examination.
Q5: How soon can I start earning after certification?
A: You can begin right after receiving your agent code and official marketing materials. Growth depends on networking and client acquisition skills.🙋 Frequently Asked Questions (FAQs)
Q1: How long does the IRDAI license remain valid?
A: The IRDAI license is valid as long as you remain associated with a registered insurer and comply with renewal protocols.
Q2: Can I sell both life and general insurance?
A: Yes, but only after obtaining separate certification and licensing for each category.
Q3: What is the renewal cost for an IRDAI license?
A: Generally, around ₹500 every year; plus any associated company fees.
Q4: Is pre-exam training mandatory?
A: Yes—IRDAI mandates 30 hours of training before taking the certification examination.
Q5: How soon can I start earning after certification?
A: You can begin right after receiving your agent code and official marketing materials. Growth depends on networking and client acquisition skills.
🔗 Internal & External Resources
- 📘 Guide: 5 Best Term Insurance Plans in India (2025): A Complete Guide
- 🌐 Policybazaar – Insurance Aggregator Platform
- 🚪 IRDAI Official Website – Agent Licensing Section
- 🏫 Insurance Institute of India Exam Details
Last Updated on August 5, 2025 by Singh sumit
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