If you’re looking for a stable and flexible career in India, becoming an insurance agent can be a good choice. The insurance industry is growing fast, and more people are now interested in getting insurance for health, life, and vehicles. The best part is—you can now become an insurance agent online with a simple process.

In this blog, we’ll guide you step by step on how to become an insurance agent online, what you need, and how you can start earning from home. We’ll also explain the difference between a traditional insurance agent and a POSP insurance agent, and how to apply for both.

Who Can Become an Insurance Agent?

Before we start with the process, let's understand who is eligible. The good news is that almost anyone can become an insurance agent in India, even if you don’t have a professional background in insurance. You need:

To be at least 18 years old
To have completed at least Class 10 (10th pass)
A PAN card and an Aadhaar card
A smartphone or computer with internet access

If you meet these conditions, you’re eligible to apply as a POSP agent or a life insurance agent.

What is a POSP Insurance Agent?

POSP stands for Point of Sales Person. A POSP insurance agent is someone who is certified to sell insurance policies, such as life insurance, health insurance, and motor insurance, through online platforms. It is one of the most popular ways to become an insurance agent online in India today.

POSP agents work with insurance companies or insurance tech platforms and can earn commissions by helping customers choose the right policy.

Benefits of Becoming an Insurance POSP Agent

Here are a few reasons why many people are choosing to become insurance POSP agents:

Work from home or anywhere
Flexible working hours
No prior experience needed
Earn good commissions
Easy to register and start online
Training is usually free or low-cost

Whether you're a student, a homemaker, or someone looking for a part-time income, the insurance POSP application process is simple and open to everyone.

How to Become an Insurance Agent Online – Step-by-Step Guide

Now, let’s go through the simple steps of becoming an insurance agent online.

1. Choose a Registered Insurance Company or Platform

To begin, you need to register with a certified insurance company or a licensed platform that offers POS insurance agent registration. Some popular platforms in India offer simple online application forms and guide you through the process.

2. Complete the Registration Form

Once you choose a company or platform, fill out their insurance POSP apply form. You will be required to submit:

Your full name
Contact number and email
Aadhaar card and PAN card
A passport-size photo
Class 10 certificate (as proof of education)

Some companies may also ask for a cancelled cheque or bank details for commission payments.

3. Complete Online Training

After submitting your documents, you will receive access to a POSP training program. This is usually an online course of about 15 to 30 hours, depending on the insurer.

The training will teach you the basics of insurance, the rules of IRDAI (Insurance Regulatory and Development Authority of India), how to deal with customers, and how to sell policies responsibly.

4. Pass the Online Test

Once you complete the training, you will be required to take an online exam. This is a basic test to check your understanding of insurance products and rules.

Don’t worry—the test is simple, and all the answers will be based on what you learned in training. If you pass, you will receive a POSP certificate.

5. Get Certified and Start Selling

After passing the exam, you will officially become a certified insurance POSP agent. You can now start selling insurance policies online through the platform or company you registered with.

You will have access to a dashboard where you can:

View and compare policies
Generate quotes for clients
Send policy links to customers
Track your earnings and commissions

How to Become an LIC Agent Online

If you want to become an LIC agent (Life Insurance Corporation of India), the process is slightly different but still easy.

Steps to Apply:

Visit the official LIC website or contact a development officer.
Submit the LIC agent application form along with the required documents.
Complete the 25-hour mandatory training.
Pass the IRDAI agent exam.
Get your license and start selling LIC life insurance policies.

The LIC agent application process can also be done partly online, but some steps might require you to visit the LIC branch.

Documents Required to Become a POSP Insurance Agent

To complete your registration, keep the following documents ready:

Aadhaar card
PAN card
Class 10 certificate
Passport-size photo
Cancelled cheque or bank details
Signature scan (if asked)

Earnings and Commission Structure

One of the most common questions people ask is: How much can I earn as an insurance agent?

The answer depends on the type and number of policies you sell. Most POSP agents earn commissions on each policy. For example:

Health insurance: 15% to 25% commission
Motor insurance: 10% to 15% commission
Life insurance: 20% to 30% commission on first-year premium

There’s no fixed limit. The more you sell, the more you earn.

Final Thoughts

Becoming an insurance agent is now easier than ever. You don’t need an office, a degree, or prior experience. With just a smartphone and an internet connection, you can become an insurance agent online in simple steps and start earning from home.

Whether you want to become an LIC agent, apply for insurance POSP, or become a general life insurance agent, the registration process is quick, simple, and beginner-friendly.

Start your journey today and build a flexible and rewarding career in the insurance industry.

Become Insurance Agent Online in Simple Steps