AI SummaryBima Sakhi Yojana is LIC's 3-year stipendiary scheme for women. Under the scheme, women join Life Insurance Corporation of India as insurance agents, called Bima Sakhis or Mahila Career Agents, and get a monthly stipend of up to ₹7,000 in the first year along with commission on policies sold. Applications are being accepted online through the official LIC website, licindia.in, and at LIC offices across the country.
This article explains the Bima Sakhi Yojana online application process, eligibility criteria, required documents, stipend details and benefits. The scheme is open to women from any state in India who are at least 10th pass. Complete eligibility details are given below.
Bima Sakhi Yojana has been launched on 9th December 2024 by PM Narendra Modi from Panipat in Haryana, Watch Live at DD News.
Under this scheme, women join LIC as Bima Sakhis (insurance agents) and receive a monthly stipend of up to ₹7,000 in the first year along with an encouragement incentive of ₹2,100. Women also earn commission whenever they sell any insurance product of the company and whenever someone renews or pays the premium of their policy. LIC plans to bring 2 lakh women into the agency network over the next 3 years under Bima Sakhi Yojana.
Apply Online for Bima Sakhi Yojana through licindia.in
Eligible women can apply online through the official LIC portal at licindia.in. Below is the basic online application process for LIC Bima Sakhi Yojana.
STEP 1 - Visit the official LIC India website at licindia.in.
STEP 2 - Click on the Bima Sakhi Yojana banner or link on the homepage of the website, or directly open the official Bima Sakhi page at licindia.in/lic-s-bima-sakhi.
STEP 3 - Click on the "Click Here for Bima Sakhi" option on the page. This opens the online lead and application form for the scheme. The same form can also be opened directly at agencycareer.licindia.in.
STEP 4 - Fill your name, mobile number, address, education qualification, preferred LIC branch and other required information in the application form.
STEP 5 - Attach all the required documents such as Aadhaar card, residence certificate, PAN card, educational qualification certificates and a photo.
STEP 6 - Submit the form by clicking the "SUBMIT" button at the bottom of the application form.
STEP 7 - Your application is complete. You will get an application or reference number which can be used to check the status of your application at a later stage.
STEP 8 - The status of your application may also be delivered to your mobile number through SMS or email ID (filled at the time of application).
After the online form is submitted, a LIC Development Officer contacts the applicant for guidance. Selected candidates have to pass the pre-recruitment test prescribed by IRDAI and clear an interview at the branch office before they are appointed as Bima Sakhis.
Apply for Bima Sakhi Yojana by Visiting LIC Office
Interested women applicants can also apply offline for Bima Sakhi Yojana by visiting the nearest LIC India office. Below is the application process.
Visit the nearest LIC branch, click here to find the nearest branch.
Ask for the Bima Sakhi Yojana application form or download the Bima Sakhi application form PDF from the LIC portal.
Fill all the required details, attach the attested photocopies of the required documents and then submit the form at the office.
An application or reference number will be given to you for status tracking.
Fee / Payment for Bima Sakhi Yojana Application
There is no payment to be done to anyone for applying under this scheme. Applying for Bima Sakhi Scheme is completely free. If anyone asks you for money in the name of application fee, please contact the LIC helpline and lodge a complaint there.
However, if you go to any internet cyber cafe or computer center and ask them to apply, they may charge a fee of up to 300 rupees as their labour charges for filling your application form.
Documents Required for Bima Sakhi Yojana Online Application
Below is the complete list of documents which need to be uploaded for the Bima Sakhi Yojana online application at the LICIndia.in website.
- Aadhaar card
- PAN Card
- Residence Certificate
- 10th marksheet
- Passport Size Photo
- Bank account details / Passbook or Chequebook Copy
Eligibility Criteria for Bima Sakhi Yojana
Below is the basic eligibility criteria for Bima Sakhi Yojana
- Applicant should be a woman.
- Applicant's age should be between 18 and 70 years.
- Applicant should be a permanent resident of India.
- Minimum education qualification of 10th pass is required.
- Applicant should hold a valid Aadhaar and PAN card.
- An active savings bank account linked with Aadhaar and PAN is also required.
- Applicant has to pass the pre-recruitment test prescribed by IRDAI.
Exclusions - Who Can Not Apply for Bima Sakhi Yojana
Some women cannot apply under the scheme. Below are the main exclusions.
- Relatives of existing agents or employees shall not be eligible to be recruited as Bima Sakhis. Relatives include spouse, children including adopted and step children (whether dependent or not), parents, brothers, sisters and immediate in-laws.
- A retired employee of the Corporation or an ex-agent seeking reappointment shall not be granted agency under the scheme.
- Existing agents cannot apply for recruitment as Bima Sakhis.
- Employees of the central government, state government or public sector undertakings are not eligible to be recruited as Bima Sakhis.
Bima Sakhi Yojana - Highlights
| Scheme Name | Bima Sakhi Yojana (LIC's Mahila Career Agent Scheme) |
| Launched By | Prime Minister Narendra Modi |
| Scheme Duration | 3 Years (stipendiary period) |
| Target Audience | 2 Lakh Women in India |
| Employment Opportunity | Insurance agents (Bima Sakhis) |
| Stipend | ₹7,000 (Year 1), ₹6,000 (Year 2), ₹5,000 (Year 3) per month |
| Incentives | ₹2,100 per month plus commission for sales |
| Eligibility Criteria | Women aged 18-70, 10th passed |
| Required Documents | Aadhaar, PAN, Residence Certificate, 10th marksheet, Photo |
| Application Process (Online) | Visit licindia.in, apply through provided links, submit documents |
| Application Process (Offline) | Visit nearest LIC office, fill form, submit documents |
| Training | Provided by LIC post-application acceptance |
| Commission-Based Earnings | Extra rewards for policy sales |
Benefits of Bima Sakhi Yojana
Below are the main benefits of LIC Bima Sakhi Yojana
Monthly Stipend: All Bima Sakhis get a monthly stipend of
- ₹7,000 in the first year
- ₹6,000 in the second year
- ₹5,000 in the third year
Incentives: ₹2,100 per month for performance
Commission-Based Earnings: Extra rewards for successful policy sales
Professional Training: Awareness and skills development in insurance services will be provided to all the women who join LIC as Bima Sakhis or insurance agents.
Bima Sakhis can also help families in their area enroll in government insurance schemes like Pradhan Mantri Jeevan Jyoti Bima Yojana and build a regular income through renewals.
Performance Targets for Bima Sakhis
To receive the monthly stipend, a Bima Sakhi has to meet minimum business targets each month. The targets for the first stipendiary year are given below.
| Period | Lives in each month | First Year Commission in each month |
|---|---|---|
| First 4 months | 1 | ₹2,000 |
| Next 4 months | 2 | ₹4,000 |
| Last 4 months | 3 | ₹6,000 |
| Total | 24 | ₹48,000 |
The stipend for the second and third year is paid only if at least 65% of the policies from the previous year remain in force. After the 3-year stipendiary period, a Bima Sakhi continues as a normal LIC agent and earns commission as per LIC rules. Graduates who complete 5 agency years can also apply for the post of Apprentice Development Officer if they meet the eligibility criteria.
Contact Helpline
You can contact LIC at the following helpline and contact details for any details regarding the scheme.
WhatsApp: +91-8976862090
Phone: +91-22-68276827
Complaint Email: co_complaints@licindia.com
FAQ's
What is Bima Sakhi Yojana?
Bima Sakhi Yojana is LIC's 3-year stipendiary scheme for women. Selected women join LIC as insurance agents (Bima Sakhis) and get a monthly stipend for the first three years along with commission on policies sold.
Who can apply for Bima Sakhi Yojana?
Women aged 18 to 70 years who are at least 10th pass and permanent residents of India can apply. Existing LIC agents, relatives of agents or employees, and government or PSU employees cannot apply.
How much stipend is given under Bima Sakhi Yojana?
₹7,000 per month in the first year, ₹6,000 in the second year and ₹5,000 in the third year, subject to meeting the monthly business targets. Commission on policy sales is paid separately.
How to apply for Bima Sakhi Yojana?
Visit licindia.in/lic-s-bima-sakhi, click on "Click Here for Bima Sakhi" and fill the online form. Women can also apply by visiting the nearest LIC office.
Is there any application fee for Bima Sakhi Yojana?
No. Applying under the scheme is free. Candidates have to clear the pre-recruitment test prescribed by IRDAI as part of the selection process.
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