How to Start Working as an Insurance Agent Today
Learn how to start working as an insurance agent today. Know the steps, eligibility, documents, and training to begin your career in the insurance field.

Starting a career as an insurance agent is a smart decision if you are looking for a stable, flexible, and rewarding job. Whether you’re a student, a working professional, or someone looking for a career switch, becoming an insurance agent offers a wide range of opportunities.
This guide will explain how to start working as an insurance agent today. We will cover the steps, eligibility, documents needed, and benefits of becoming an agent. If you're searching for terms like insurance agent, POSP insurance agent, or insurance POSP, this blog will help you understand everything you need to get started.
Who Is an Insurance Agent?
An insurance agent is a licensed professional who sells insurance policies to individuals and businesses. These policies can include life insurance, health insurance, motor insurance, and more. The role of an insurance agent is to help people choose the right plan based on their needs and ensure they stay protected against unexpected financial losses.
There are two main types of insurance agents in India:
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Tied Agents: Work with one insurance company.
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POSP Insurance Agents (Point of Sales Persons): Can sell products from multiple insurers, depending on the license.
Why Choose a Career as an Insurance Agent?
Becoming an insurance agent has several benefits:
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Low Investment: You don’t need a large amount of money to start.
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Flexible Work Hours: You can work full-time or part-time.
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No Fixed Salary Limits: Your earnings are based on performance.
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Work from Anywhere: Especially as a POSP insurance agent, you can work online or from home.
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Personal Growth: You learn communication, sales, and finance skills.
If you are someone who enjoys meeting new people and helping them make smart financial decisions, this is the right career for you.
Steps to Start Working as an Insurance Agent Today
Let’s break down the steps you need to follow to become a licensed insurance agent:
1. Meet the Basic Eligibility Criteria
Before applying, make sure you meet the following basic requirements:
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Age: You must be at least 18 years old.
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Education: Minimum qualification is usually Class 10 (some insurers may require Class 12).
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Documents: You will need a PAN card, Aadhaar card, bank details, and a passport-size photo.
2. Choose the Type of Insurance Agent You Want to Be
There are different roles available:
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Life Insurance Agent
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Health Insurance Agent
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General Insurance Agent
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POSP Insurance Agent – Allows you to sell multiple products across categories
If you want more flexibility, consider becoming a POSP agent. This type of insurance POSP agent works with multiple insurance companies and can offer a wider range of products.
3. Register with an Insurance Company or Platform
You can start by registering with a certified insurance company or an approved online platform. Many insurers offer an easy online registration process.
During registration, you will be asked to upload your basic documents such as:
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Aadhaar Card
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PAN Card
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Educational Certificate
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Passport-size Photo
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Bank Account Details
Some companies might also conduct a video KYC to verify your identity.
4. Complete Mandatory Training
Once you register, you must complete the required training. The IRDAI (Insurance Regulatory and Development Authority of India) mandates training for all new agents.
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Traditional Agent: 25–50 hours of classroom or online training
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POSP Insurance Agent: Usually 15 hours of online training
The training helps you understand the basics of insurance, types of policies, regulatory guidelines, and how to sell insurance ethically.
5. Pass the Required Exam
After completing the training, you must pass an online exam. This test is based on the training modules and checks your understanding of:
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Types of insurance
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Customer handling
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Legal and compliance rules
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Selling techniques
For POSP agents, the exam is simple and can be taken from home or a nearby center.
6. Get Certified and Start Selling
Once you pass the exam, you will receive a certificate and agent code. This allows you to start selling insurance policies legally.
You can then:
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Start selling policies through your insurer’s online portal
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Meet clients and help them select the right policies
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Earn commissions for every policy sold
As a POSP insurance agent, you can manage everything through your smartphone or computer.
What Can You Sell as an Insurance Agent?
Depending on your license and registration, you can sell:
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Health Insurance
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Life Insurance
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Car and Bike Insurance
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Travel Insurance
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Term Plans
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Investment-linked Insurance Plans
As a POSP agent, you can offer all of these under multiple insurers. This gives you more flexibility and more earning potential.
How Much Can You Earn as an Insurance Agent?
There is no fixed salary. Insurance agents earn commissions based on the type and number of policies they sell.
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Life Insurance: 15%–40% of the first premium
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Health Insurance: 15%–25%
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Motor Insurance: Around 10%–15%
The more clients you help, the more you earn. Some agents also receive bonuses and rewards for good performance.
Tips to Succeed as a New Insurance Agent
Here are some simple tips to grow your career as an insurance agent:
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Build Trust: Always give honest advice to clients.
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Stay Updated: Know the latest insurance products and rules.
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Improve Communication: Good listening and speaking skills help a lot.
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Follow Up: Stay in touch with clients even after a sale.
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Use Technology: Learn to use digital tools for selling policies and managing clients.
Final Thoughts
Starting your career as an insurance agent is easier than ever. With online registration, simple training, and low investment, you can become a certified insurance agent, a POSP insurance agent, or an insurance POSP within days.
Whether you want to work part-time, earn extra income, or build a long-term career, this field offers a strong foundation. Follow the steps shared above, stay committed, and you can succeed as a professional insurance agent starting today.