- LIC Bima Sakhi Yojana trains and recruits women as LIC agents (Bima Sakhis) with focused onboarding, field support and a stipend for the first three years.
- Eligible applicants (age 18–70, minimum 10th pass) can earn up to Rs 7,000 per month in Year 1; continuation depends on meeting policy completion targets (≥65%).
- Apply online or at your nearest LIC branch with age, address, 10th pass certificate and a passport photo; training, mentoring and performance rules guide stipend continuation.
What is LIC Bima Sakhi Yojana?
LIC Bima Sakhi Yojana is a special drive by Life Insurance Corporation to bring women on board as insurance agents—called Bima Sakhis. You get training on products, simple sales techniques and field support from LIC. Financial incentives during the first three years help you focus on building a client base and achieving policy servicing targets. The aim is two-fold: to help women with an income stream and increase insurance awareness in local communities.
Who can apply?
- Age: 18–70 years (last birthday) at time of application.
- Education: Minimum 10th standard pass (attach certificate).
- Residency: Usually local residency or address proof required as per branch norms—check with your local LIC office when you apply.
- Motivation: Willingness to attend training, do local outreach and follow LIC processes for policy placement and servicing.
Who cannot apply (ineligible categories)
Certain people cannot be appointed under LIC Bima Sakhi Yojana. You are ineligible if you fall under any of these categories:
- Relatives of current LIC agents or employees (includes spouse, children — biological, adopted or step — parents, siblings and immediate in‑laws).
- Existing LIC agents or those already appointed under other recruitment streams.
- Retired employees of LIC or related corporations and former agents seeking reappointment under this scheme.
How much can you earn — stipend structure for years 1 to 3
Stipend under LIC Bima Sakhi Yojana is a fixed monthly support for the first three years, but continuation of stipend depends on meeting policy completion targets each year. This helps you focus on closing policies and keeping them in force.
| Year | Fixed Monthly Stipend | Condition for Continuation |
|---|---|---|
| Year 1 | Rs 7,000 | Paid to selected Bima Sakhis on appointment during first year |
| Year 2 | Rs 6,000 | Subject to ≥65% policy completion in Year 1 |
| Year 3 | Rs 5,000 | Subject to ≥65% policy completion in Year 2 |
Note: Policy completion means the share of policies you place that stay in force or complete the required early period as set by LIC monitoring. Your branch will explain exact measurement and payout dates during onboarding.
Documents Required to Apply
Prepare these items before you start an application for LIC Bima Sakhi Yojana. Attach self-attested copies where asked.
- Self-attested age proof (Aadhaar, birth certificate, passport, school certificate).
- Self-attested address proof (Aadhaar, voter ID, utility bill with name and address).
- Self-attested educational certificate (10th standard pass certificate).
- Recent passport-size photograph (to be uploaded or attached to form).
- Any additional local identity or residency document requested by the LIC branch.
Step-by-step application process (online and offline)
You can apply either online through LIC’s official application portal (check with your local office for the correct online form) or offline at a nearby LIC branch. Steps below give a practical routine you can follow.
Offline (recommended if you prefer personal help)
- Visit nearest LIC branch and ask for the Bima Sakhi application form.
- Fill the form in block letters and attach self-attested copies of age, address and 10th certificate plus photograph.
- Submit the form with originals for verification. Ask for an acknowledgement or receipt.
- Follow up after 7–14 days using the acknowledgement number or by visiting the branch.
Online (if available for your region)
- Find the Bima Sakhi application link on LIC’s official site or portal (confirm form with local branch first).
- Scan/photograph documents and upload as per instructions (size and format limits may apply).
- Fill personal details carefully and submit. Take a screenshot or note the application reference number.
- If an online test or interview is part of selection, you will be informed by email or SMS—keep your contact details updated.
Selection, training and onboarding
After application, expect a multi-step selection and training path:
- Screening: Basic checks of documents and eligibility by local LIC office.
- Interview/Interaction: Short interview to assess communication skills and community reach.
- Training modules: Product basics, simple financial literacy, ethics, record keeping, premium collection process and service norms. Training may be classroom or blended (online + in-field).
- Certification/licensing: On successful training completion, you will receive appointment papers and guidance on policy placement procedures.
- Mentoring: Initial field support from an LIC officer or senior agent to help make first sales and understand reporting and compliance.
Performance conditions and stipend continuation rules
Stipend continuation depends on meeting quality and completion metrics:
- Policy completion target: You must meet the minimum policy completion percentage (typically ≥65% of policies placed) in a stipend year to be eligible for the next year’s stipend.
- Monitoring: Branch managers monitor collections, policy in‑force status and customer feedback.
- Non‑compliance: Falling short of targets can lead to stoppage of stipend, counselling or termination of appointment depending on severity.
- Record-keeping: Maintain simple registers—policy apps, premiums collected, customer contact details and service follow-ups—to show your work during reviews.
Practical tips to succeed as an LIC Bima Sakhi
These are field-proven steps you can use from day one:
- Start with people you know: family, neighbours, local shops and community groups. Your trust factor is high here.
- Use a simple pitch: Talk about financial safety for family, small savings and protection for children and parents. Keep language local and relatable.
- Host small group meetings at home or community centres to explain benefits rather than only cold calls.
- Carry basic product leaflets and a small notebook to record details immediately after meetings.
- Follow up regularly: a polite SMS or visit after 3–7 days often converts interest into an application.
- Leverage LIC support materials and campaigns—ask your branch for posters, leaflets and any community event help.
- Keep clear records of payments and policy documents you hand over; this builds client trust and protects you later.
Common FAQs aspirants ask
Q: Can a working woman join part-time?
A: Yes. Many Bima Sakhis start part-time while building their book. Make sure you attend mandatory training and meet performance criteria.
Q: What is training duration?
A: Training length changes by branch and may be a few days of classroom plus field mentoring.
Q: When are stipends paid?
A: Payment schedules change by branch. Ask your branch officer for exact dates and mode (bank transfer or cheque).
Q: If I don’t meet targets, can I be re-evaluated?
A: Branch managers usually provide counselling and a chance to improve. Reappointment rules are set by LIC for this scheme.
Where to get help: LIC contacts and local support
If you need help during application or training:
- Visit your nearest LIC branch and ask for the Bima Sakhi coordinator—local staff will guide document checks and training schedules.
- Keep your application acknowledgement safe and follow up after the time period advised by the branch.
- Use LIC’s official customer service channels to confirm branch details or complaint redressal—ask branch staff how to reach regional office contacts.
- If you need help understanding forms or digital upload, ask a branch staff member or a family member comfortable with smartphones to assist you during submission.