LIC Insurance Agent Kaise Bane?

lic agent kaise bane aur jaane irda exam ki jaankari

India mein Insurance ka bahut hi badha market hai aur iski demand badti jaa rahi hai jiski wajah se bahut si bahar ki international companies bhi indian market mein aa rahi hai. Insurance ka market mainly insurance agents ki wajah si hi chalta hai.LIC Insurance agent ka kaam aap part time aur full time dono kar sakte hai. Yeh career bahut log ke liye passive income ka bhi source hota hai.Iss article mein hum aapko bataenge ki LIC agent kaise bane ya Insurance agent kaise bane.

Iss article mein hum aapko vistar se bataenge:

Kya hota hai insurance agent

Insurance agent ke types

Lic agent kaise banne

Eligibility

IRDA Exam

Colleges aur Courses

Commission aur dusre perks

Insurance Companies

Insurance Agent Kaise Bane?

Kya hota hai Insurance agent ya LIC agent

Insurance agent wo hota hai jo alag alag insurance policies logon ko bechta hai. Insurance agent banne se pehle aapko ek company select karni hogi jiske liye aap kaam karoge aur jiski aap policies bechoge. Insurance ke business mein aap aacha khasa paisa kama sakte ho lekin aapki marketing aur convincing skills aachi honi chaiye.

Insurance business mein aapki earning commission ke basis pe aur bonuses jo aapko company deti hai uske through hoti hai. Bahut logon ke liye ye ek passive income ka bhi source hota hai aur kuch ke liye ye ek full time job bhi hota hai.Ek successful LIC agent banne ke liye aapko apne aap ko har pal update rakhna hoga. Taxes, laws aur policies aisi cheezein hai jiske baare mein aapko acche se pata hona chaiye.

Insurance agent ke types

Koi bhi insurance company ko choose karne se pehle aapko ye decide karna hoga ki aap konsi type of insurance ke liye kaam karna chahte ho. Insurance generally two parts mein hota hai:

Life Insurance 

General Insurance

Life Insurance 

Life Insurance ek aisi type ki insurance hai jiski validity kaafi long hoti hai. Jiski insurance ki jaati hi usse hum insured bolte hai aur insured ki death ke baad insurance ka fayda family members ko bhi milta hai. Life insurance bhi two types ke hote hai level term aur decreasing term.

Term insurance mein jo bhi amount aapko milni hoti hai wahi milti hai term over hone ke baad lekin decreasing insurance mein aapki amount year by year kam hote jaati hai.

General Insurance

General Insurance insurer ke bahut saare cheezon ko cover karti hai. Iss insurance ke madad se aap jiss bhi cheez ka insurance karate ho usse aapko damage, loss aur theft se protection milta hai aur company aapke losses uthati hai. Aapki premium kya hogi wo depend karta hai ki aap kis type ka insurance lete ho Aap jitna aacha policy lete ho utna aacha protection aapko mil sakta hai. Inn insurance ki validity kuch limited years ke liye hi hoti hai aur time period khatam hone ke baad aapko insurance renew bhi karana padh sakta hai.

General Insurance ke kuch famous types:

  • Marine insurance.
  • Health insurance.
  • Travel insurance.
  • Employee benefits insurance.
  • Automobile insurance.
  • Fire insurance.
  • Property insurance.
  • Vehicle Insurance.

LIC Agent kaise banne

Life Insurance Corporation of India ( LIC ) ek bahut hi purani aur trusted insurance company hai. LIC pichle 60 years se insurance ke business mein hai aur company ke lagbhag 250 million customers bhi hai. Inn sab cheezon ke saath saath LIC agent banna bahut hi faydemand hota hai agar aap iss field mein acche se time de sakein toh.

Har insurance agent ki tarah aap LIC agent ka kaam bhi full time ya part time kar sakte hai.

LIC agent ho ya koi bhi insurance agent ho dono ka banne ka tareeka bilkul ek jaisa hi hai. Eligibility,IRDA exam aur baaki sab cheezein ek jaisi hi hai. Fark sirf itna hai ki LIC mein growth jyada hai kyonki jaisa humne aapko bataya LIC ek bahut hi trusted aur badhi company hai. 

LIC mein registration aap online ya offline dono tareeke se kar sakte hai. Online registration aap LIC ki website se kar sakte hai. Offline registration ke liye aap LIC ke nearest branch ko visit kar sakte hai. 

Jaruri Documents LIC agent banne ke liye

  • 6 passport sizephoto
  • Tenth aur twelfth grade ki Photocopy
  • Residence certificate, voter ID, Aadhar card
  • Pan Card

Eligibility

  • LIC agent banne ke liye minimum qualification 12th class pass hota hai lekin agar aapke paas graduation ki degree hai toh wo aur bhi aacha mana jata hai.LIC agent ke liye minimum age 18+ honi chaiye.
  • LIC agent banne ke liye aapko Insurance Regulatory Authority (IRDA) ka exam dena padta hai jisko pass karne ke baad hi aapko license mil sakta hai. Agar aapko Life insurance aur general insurance dono ke liye kaam karna hai toh aapko dono ki license chaiye hogi.
  • Agent banne ke liye aapko training ki bhi jarurat padti hai jo ki aapko company provide karti hai jiske liye aap kaam karte ho.Training 100-150 hours ka hota hai aur ye depend karta hai ki aap kis type ka insurance agent banna chahte ho.

Insurance Regulatory Authority (IRDA) Exam

LIC agent banne ke liye IRDA ka exam dena padta hai jisko pass karlene se aapko license milta hai.IRDA ka exam dene ke liye aapki age 18+ honi chaiye.

IRDA Syllabus

IRDA ke exam mein questions kuch particular subjects se related hote hai jaise ki:

  • Insurance
  • Loans
  • Regulations
  • Numerical Problems like Percentage,discount aur Loan calculation.

IRDA Exam Pattern

IRDA exam mein short answer questions hote hai different forms mein jaise ki:

  • Fill-ups
  • Yes-No
  • Right-Wrong
  • Match the Column
  • Multiple Choice Questions

IRDA Exam Registration

IRDA exam mein apply karne ke liye 2 modes hote hai online aur offline. Iss exam ka koi bhi fixed time nahin hota hai aap iss exam ko saal mein kabhi bhi desakte hai.

Online Apply karne ke liye aapko IRDA ke website mein jaake form fill karna hota hai aur offline apply karne ke liye aapko form fill karke apne Company ke insurer ko dena hota hai.

Courses aur Colleges

LIC agent ke liye training Periods bahut hi important role play karta hai. Agar aap insurance se related courses bhi karna chahte hai toh wo bhi aacha option hai kyonki courses karlene se aapko iss field ke baare mein acche se idea hojaega aur aap kaafi jyada excel kar sakte hai iss field mein.

Kuch Courses jo ki iss field mein popular hai:

  • Diploma in Insurance Management
  • Diploma in Banking and Insurance
  • Diploma in Risk Management
  • Post Graduate Diploma in Insurance Administration
  • PGDM( Banking,Insurance and Financial Services)

Colleges/Institutes for Insurance

Agar aap insurance se related kuch course karna chahte hai toh uske liye aapko acche colleges ke baare mein jaankari honi chaiye. Hum aapko kuch famous colleges ke baare mein bataenge:

No. College/Institute City
1 Actuarial Society of India Mumbai
2 Amity School of Insurance and Actuarial Science Noida
3 Birla Institute of Management & Technology New Delhi
4 Insurance institute of India Mumbai
5 National Insurance Academy Pune
6 SVKM’s NMIMS University Mumbai
7 Institute of Insurance & Risk Management Hyderabad
8 International Institute for Insurance and Finance Hyderabad

Commission aur dusre perks

Humne LIC agent kaise banne,eligibility,exam ke baare mein toh jaan liya lekin iss career mein commission bhi bahut important hota hai. Insurance agents ki earnings policies beech ke hoti hai. Unki income ka source commission based hota hai aur har policy ka commission pattern different hota hai. Commission ke alawa bahut si companies bonuses bhi offer karti hai. Bonuses generally unn agents ko milte hai jo targets jaldi pura karte hai aur company ke paas jyada customers laate hai. Insurance companies time to time incentives aur offers launch karti rehti taaki insurance agents jyada se jyada customers laa sakein.

Kuch Commission ke terms aur patterns hum aapko bataenge.

LIC Agent Commission Details

1st Commission Policy ke term aur type par depend karta hai
1st Year Commission Commission jo ki 1st year premium ke baad milta hai.
Bonus-Commission Subject to conditions.
Renewal Commission Policy ke term aur type par depend karta hai

Types of Agent Commission in LIC

YEAR 1st Type(MONEY BACK)     2nd Type(ENDOWMENT)
1st YEAR 15% 25%
Bonus Commission 40% Commission 40% Commission
2 years 10% 7.5%
3rd years 10% 7.5%
4th years onwards 6% 5%

 Life insurance agent commission for Regular Premium Products:

CATEGORY 1st-year Renewal Commission
Individual Term Insurance 40% 10%
Individual Non-Term Insurance products    
For 5 Year Policies 15% 40%
For 6 Year Policies 18% 7.5%
For 7 Year Policies 21% 7.5%
For 8 Year Policies 24% 7.5%
For 9 Year Policies 27% 7.5%
For 10 Year Policies 30% 7.5%
For 11 Year Policies 33% 7.5%
For 12 or more Year Policies 35% 7.5%
Individual Deferred Annuity/Pension 7.5% 2.0%

Insurance Companies

Insurance Agents koi bhi company ko select karne se pehle sabkuch samaj lete hai jaise ki konsi policy kitni acchi hai, konsi company accha commission pay kar rahi hai, Kon si company jyada incentives deti hai aur bhi bahut saari cheezein.

Hum aapko Life Insurance aur General Insurance dono ke kuch famous companies ke baare mein bataenge:

List of top Life insurers:

  1. Life Insurance Corporation of India
  2. HDFC Standard Life Insurance Co. Ltd
  3. Max Life Insurance Co. Ltd.
  4. ICICI Prudential Life Insurance Co. Ltd
  5. Kotak Mahindra Life Insurance Co. Ltd.
  6. Aditya Birla SunLife Insurance Co. Ltd.
  7. TATA AIA Life Insurance Co. Ltd.
  8. SBI Life Insurance Co. Ltd.
  9. Exide Life Insurance Co. Ltd.
  10. Bajaj Allianz Life Insurance Co. Ltd

List of top General insurers:

  1. Bajaj Allianz General Insurance Co. Ltd.
  2. ICICI Lombard General Insurance Co. Ltd.
  3. IFFCO Tokio General Insurance Co. Ltd.
  4. National Insurance Co. Ltd.
  5. The New India Assurance Co. Ltd.
  6. The Oriental Insurance Co. Ltd.
  7. United India Insurance Co. Ltd.
  8. Reliance General Insurance Co. Ltd.
  9. Royal Sundaram General Insurance Co. Limited
  10. Tata AIG General Insurance Co. Ltd.

Hum umeed karte hai ki humne aapko apne article LIC agent kaise banne mein sab kuch vistar se batadia hai lekin phir bhi agar aapko koi bhi doubt ho toh aap niche comment section mein jaake humse comment karke puch sakte hai.

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