Build a secure career with LIC
Earn ₹50,000+ monthly. Become an agent or Development Officer. Training and support across Bhuvanagiri and Tamilnadu.
Why LIC?
Benefits for agents and policyholders
LIC plans
Frequently asked questions
Who can become an agent with LIC?
Any Indian citizen aged 18 or above with at least 10th standard education can apply. You complete 25 hours of IC-38 training and pass the IRDAI exam.
How much can an agent earn?
First-year commission is up to 35% of the premium, plus renewal commission in the following years. Most active agents cross ₹50,000 a month within 12 to 18 months.
How do I become an officer?
Serve as an agent for some years, build your business, then pass the LIC recruitment exam and interview. The norms change from time to time, so check the latest LIC notification.
Is there a scheme for women?
Yes. Women aged 18 to 70 with 10th pass can join with a monthly stipend for three years, plus regular commission. Ask us for the current terms.
Which plans give guaranteed returns?
Several LIC plans carry guaranteed additions. Tell us your goal and we will shortlist the ones that fit you.
How do I contact Praveen?
Call or WhatsApp the number on this page, or send the form on the Contact page. Candidates from outside Chidambaram are welcome too.
Get in touch
Praveen will reply to you personally
Career with LIC
Choose your path: agent, Development Officer or women's scheme
Earn ₹53,000 extra in year one
New LIC agents earn up to ₹53,000 in cash rewards during the first year, over and above regular commission.
First 3 months
- 15 policies
- ₹3,500
- 25 policies
- ₹6,000
- 50 policies
- ₹12,500
- 100 policies
- ₹25,000
+ ₹1,000 every 5 above 25 · + ₹2,250 every 10 above 50
First 6 months
- 15 policies
- ₹2,250
- 25 policies
- ₹3,750
- 50 policies
- ₹7,500
- 100 policies
- ₹15,000
+ ₹500 every 5 above 25 · + ₹1,250 every 10 above 50
First agency year
- 15 policies
- ₹1,200
- 25 policies
- ₹2,000
- 50 policies
- ₹4,000
- 100 policies
- ₹8,000
+ ₹250 every 5 above 25 · + ₹600 every 10 above 50
Consistent performer award
Stay active in all 12 months of your first agency year and earn extra:
Terms and conditions apply. Source: LIC new joiner scheme.
How to become an agent
- 1Submit documents
ID proof, address proof and education certificates
- 2Training
25 hours of IC-38 training, online or offline
- 3IC-38 exam
Score 17 out of 50 to qualify
- 4Start earning
Get your agency code and begin selling
Eligibility
- Age
- 18+ years
- Education
- 10th pass
- Higher qualification
- Preferred
- Training
- 25 hours
- Location
- Chidambaram
If you live outside Chidambaram and still want to build your LIC career with my team, you are equally welcome. Training, mentoring and support are fully available online and on WhatsApp.
Agent benefits
After 2+ years of service, renewal commission continues to nominees if the agent passes away (with ₹1L+ business in force).
Rewards, tours and recognition
Cash rewards
Monthly, quarterly and festival contests.
₹500 – ₹50,000+Gifts
Smartphones, laptops, gold coins and appliances for top performers.
Top performersDomestic tours
All-expenses-paid trips inside India for qualifying agents.
Inside IndiaInternational tours
Qualify through MDRT and convention contests.
Outside IndiaClub membership
Rising club tiers with rising benefits.
RecognitionMDRT and COT
Global recognition for elite performers.
World-classLIC runs monthly and seasonal contests across branches, plus festival advances, office allowance and stationery support through the year.
The criteria below are based on previous LIC notifications and may change at any time. Always check the latest official notification.
Official notifications: licindia.in
Eligibility
- Urban service
- 5 years
- Rural service
- 4 years
- Total first-year premium
- ₹5 lakhs
- Annual first-year premium
- ₹1 lakh a year
- Lives a year
- 50
Exam pattern
160 marks · 120 minutes
Selection
- Main exam shortlist
- Exam and interview score
- Pre-recruitment medical
Bima Sakhi
A scheme to help women build a career with a monthly stipend, commission and growth.
Monthly stipend
Eligibility
- Qualification
- 10th pass
- Age
- 18 – 70 years
- Gender
- Women only
Subject to performance norms. Relatives of existing agents are not eligible.
Apply nowLIC plans
Organised by life goal. Pick what matters to you.
Not sure which plan is right?
Tell us your goals, family situation and budget. We will suggest the right policy for you, free and with no obligation.
Children's FutureEducation · Higher studies · Wedding · First job 3
LIC's Amritbaal
Savings plan for kids 0–13 yrs with guaranteed additions every year. Lump-sum at maturity for higher education or wedding.
LIC's Jeevan Tarun
Limited-premium money-back for children with 4 maturity options — choose how the survival benefits are received between ages 20–24.
New Children's Money Back Plan
Survival benefits at ages 18, 20, 22 plus lump-sum at 25. Built-in protection if parent passes away.
Retirement & PensionLifetime monthly income · Stress-free old age 5
LIC's Jeevan Akshay-VII
Immediate annuity — pay one premium, receive monthly / quarterly / half-yearly / yearly income for life. 10 annuity options to match your need.
LIC's New Jeevan Shanti
Deferred annuity — pay once now, defer your income start by 1–12 years, then receive lifelong pension at a higher rate.
LIC's Saral Pension
Standardised IRDAI-approved immediate annuity. Simple terms, single life or joint life options.
LIC's New Pension Plus
Unit-linked deferred pension. Build a market-linked retirement corpus during accumulation, then convert to annuity at vesting.
LIC's Smart Pension
Newest non-linked single-premium annuity solution. Multiple annuity options with flexibility for changing life-stage needs.
Wealth Building & Big Goals (Endowment)Buy a home · Buy a car · Build wealth · Family milestones 6
LIC's New Endowment Plan
The classic LIC endowment for goal-based saving. Combines life cover with lump-sum at maturity. Term 12–35 years.
LIC's Jeevan Labh
Limited-premium endowment — pay for 10/15/16 yrs, get cover for 16/21/25 yrs. Earn bonus through the full policy term.
LIC's Jeevan Lakshya
Goal-protection endowment. If you pass away, annual income (10% of SA) goes to family until maturity — then lump-sum on top.
LIC's Bima Jyoti
Non-participating guaranteed plan. Adds ₹50 per ₹1,000 SA every year — fully guaranteed returns at maturity.
LIC's Nav Jeevan Shree
Newer non-participating endowment with attractive guaranteed additions, designed for predictable lump-sum savings.
LIC's Bima Lakshmi
A new participating endowment with periodic survival benefits and maturity — ideal for milestone-based savings.
Money Back · Periodic Cash FlowLump-sum every few years while protection continues 3
LIC's Bima Shree
Premium money-back plan for High-Net-Worth customers. Periodic survival benefits during policy term plus maturity benefit.
New Money Back Plan — 20 Years
Cash payout every 5 years during the 20-year term, plus final maturity benefit. Life cover throughout.
New Money Back Plan — 25 Years
Cash payouts every 5 years across a 25-year term, plus maturity benefit. Longer cycle for slower payout cadence.
Single Premium / One-Time DepositPay once · Forget premiums · Park bonus, gratuity or sale proceeds 5
LIC's Single Premium Endowment Plan
One-time premium investment with guaranteed lump-sum at maturity plus life cover. Great for parking a one-time bonus.
LIC's Jeevan Utsav — Single Premium
Single-premium variant of Jeevan Utsav. One-time pay · whole-life cover + guaranteed annual income after deferment period.
Jeevan Akshay-VII (as single premium)
Pay once · receive lifetime pension immediately. Ideal for retirees converting a lump sum into monthly income.
New Jeevan Shanti (as single premium)
Single deposit · annuity starts after deferred period of your choice. Higher pension rate due to deferment.
LIC's Nivesh Plus
Single-premium ULIP. One-time deposit invested in market-linked funds with life cover. For those comfortable with equity-linked growth.
Whole Life Cover & Lifetime IncomeProtection for life · Income that never stops · Legacy planning 3
LIC's Jeevan Utsav
Whole-life cover with guaranteed additions every year of premium payment. Regular income option from end of deferment period.
LIC's Jeevan Umang
Whole-life endowment. After PPT, receive 8% of SA every year as survival benefit till age 100, then lump-sum to nominee.
LIC's New Jeevan Anand
Endowment with bonus PLUS additional whole-life cover after maturity. Maturity benefit + double protection in one plan.
Pure Term ProtectionHighest cover at lowest premium · Family financial safety net 8
LIC's New Tech-Term
Pure online term plan. High sum assured at very low premium. No maturity benefit — protection only.
LIC's New Jeevan Amar
Offline term plan for higher sum assured. Multiple SA options and benefit structures.
LIC's Digi Term
Fully digital term plan — quick online purchase, minimal paperwork. Ideal for tech-savvy young earners.
LIC's Yuva Term
Term plan tailored for younger lives with attractive premium rates and longer terms.
LIC's Saral Jeevan Bima
Standardised IRDAI term — same terms across all insurers. Simple, transparent, designed for first-time buyers.
LIC's Bima Kavach
New-generation term plan with flexible benefit options. Protect your family at affordable cost.
LIC's Digi Credit Life
Digital credit-linked term — outstanding loan amount is paid off if borrower passes away. Protects family from EMI burden.
LIC's Yuva Credit Life
Credit-linked term plan for younger borrowers — covers home loan, education loan, business loan EMIs.
Market-Linked Investment (ULIPs)Equity-linked growth + life cover · for risk-tolerant investors 4
LIC's Index Plus
ULIP tracking equity indices like Nifty. Market-linked growth combined with insurance cover.
LIC's Nivesh Plus
Single-premium ULIP. Choose your fund mix; investment grows market-linked with built-in life cover.
LIC's SIIP
Systematic Investment Insurance Plan — regular premium ULIP. Disciplined market investing with insurance.
LIC's Protection Plus
ULIP with stronger protection element. Higher life cover relative to investment portion.
Affordable Micro InsuranceLow premium plans for daily wage earners, small business owners 2
Riders & Add-onsBoost any base policy with extra benefits 7
Accident Benefit Rider
Extra sum paid on accidental death or specified disability — over and above the base policy.
Accidental Death & Disability Benefit Rider
Lump sum or income on accidental death plus partial/total disability protection.
Premium Waiver Benefit Rider
Future premiums are waived if the policyholder (often parent) dies — policy continues uninterrupted.
New Term Assurance Rider
Add a term-insurance component to a savings-based base plan for higher protection.
Critical Illness Health Rider
Lump-sum benefit on diagnosis of specified critical illnesses — covers treatment cost without breaking savings.
Female Critical Illness Benefit Rider
Specialised critical illness rider for women, covering female-specific conditions.
Linked Accidental Death Benefit Rider
Accidental death benefit for ULIP / linked policies — extra sum to family on accident.
Policy services
Tap a service to chat with us on WhatsApp
Most services are completed within 2 to 5 working days.
Get in touch
Praveen will reply to you personally