The LIC Bima Sakhi Yojana, implemented by the Life Insurance Corporation of India (LIC), offers women an opportunity to start a career as insurance agents. Women aged 18 to 70 who have passed at least Class 10 can apply, subject to the prescribed eligibility conditions. Selected candidates can receive a monthly stipend of up to Rs. 7,000 in the first year, along with commission on policies sold. Applications can be initiated online or through the nearest LIC branch.
LIC Bima Sakhi Yojana Highlights | |
|---|---|
| Scheme Name | LIC Bima Sakhi Yojana (Mahila Career Agent Scheme) |
| Launched On | 9 December 2024 |
| Launched By | Prime Minister Narendra Modi, at Panipat, Haryana |
| Implementing Agency | Life Insurance Corporation of India (LIC) |
| Ministry | Ministry of Finance, Government of India |
| Beneficiaries | Women aged 18 to 70 years who have passed Class 10 |
| Monthly Stipend | Rs. 7,000 in Year 1, Rs. 6,000 in Year 2 and Rs. 5,000 in Year 3, subject to performance conditions |
| Additional Income | Commission on every policy sold |
| Yearly Target | 24 policies and Rs. 48,000 in First Year Commission |
| Career Growth | Opportunity to participate in Apprentice Development Officer recruitment after 5 years as an agent (for graduates, subject to eligibility) |
| Bima Sakhis Enrolled | 2,05,896 (as of July 2025) |
| Selection | IRDAI pre-recruitment examination and branch interview |
| Application Mode | Online lead form or through an LIC branch |
| Official Website | licindia.in |
Introduction of LIC Bima Sakhi Yojana: A Brief Insight
Many women in villages and small towns want to earn an income but struggle to find flexible work close to home. At the same time, many families still need greater awareness of life insurance. The LIC Bima Sakhi Yojana addresses both needs by helping women build a career as insurance agents and serve people in their own communities.
Prime Minister Narendra Modi launched the scheme on 9 December 2024 in Panipat, Haryana. Also known as the Mahila Career Agent (MCA) Scheme, it is implemented by the Life Insurance Corporation of India (LIC), a public sector insurer under the Ministry of Finance. The scheme aims to promote women’s financial independence and spread insurance awareness, with a goal of having at least one Bima Sakhi in every panchayat.
Under the scheme, eligible women receive a monthly stipend of Rs. 7,000 in the first year, Rs. 6,000 in the second year and Rs. 5,000 in the third year, along with commission on policies they sell. Graduate Bima Sakhis can also apply for the post of Apprentice Development Officer at LIC after completing five years as an agent, subject to the applicable eligibility conditions. As of July 2025, more than 2 lakh women had joined the programme.
Women aged 18 to 70 years who have passed at least Class 10 can apply, provided they meet the other eligibility conditions. Existing LIC agents, former agents seeking reappointment, and certain relatives of LIC agents, employees, Development Officers and Medical Examiners are not eligible.
Women can begin the application process online through LIC’s Bima Sakhi lead form or visit their nearest LIC branch for assistance. After submitting the form, eligible candidates must pass the IRDAI pre-recruitment examination, attend an interview and complete the required formalities before receiving their agency code and appointment.
Women associated with self-help groups can also explore the NAMO Drone Didi Scheme for livelihood opportunities. Those interested in learning new skills can consider the PM Kaushal Vikas Yojana, while women planning to start a small business can explore collateral-free loan options under the PM Mudra Yojana.
Women looking for self-employment opportunities, financial support and other welfare programmes offered by the Central Government can explore the available initiatives on our Central Government Welfare Schemes List page.
Benefits Provided to Eligible Beneficiaries
The LIC Bima Sakhi Yojana helps women begin their careers in the insurance sector by providing a monthly stipend for the first three years, along with commission on policies they sell. This financial support helps women develop their skills, build a customer base and grow their income as LIC agents.
Monthly Stipend for 3 Years
| Year | Monthly Stipend | Condition |
|---|---|---|
| First Year | Rs. 7,000 | Meet the prescribed monthly performance norms |
| Second Year | Rs. 6,000 | At least 65% of the policies sold in the first year must remain in force |
| Third Year | Rs. 5,000 | At least 65% of the policies sold in the second year must remain in force |
Women who meet all the prescribed conditions can receive up to Rs. 2,16,000 in stipends over three years. They can also earn commission on the policies they sell.
Performance Norms in Each Year
To qualify for the stipend, a Bima Sakhi must meet the prescribed annual target of 24 policies and earn Rs. 48,000 in First Year Commission, excluding bonus. LIC gradually increases the monthly targets over the year, as shown below.
| Period | Policies Each Month | Commission Each Month |
|---|---|---|
| First 4 months | 1 | Rs. 2,000 |
| Next 4 months | 2 | Rs. 4,000 |
| Last 4 months | 3 | Rs. 6,000 |
- A Bima Sakhi must sell at least one policy every month to qualify for that month’s stipend.
- If she misses a target, she can make up the shortfall in later months of the same year. The stipend for earlier months may still be paid, subject to the applicable conditions.
- She does not receive a stipend for months in which she remains inactive.
Other Benefits
- Commission: Earn commission on policies sold in addition to the monthly stipend.
- Training and digital tools: Receive training and access to LIC’s digital tools to develop professional skills.
- Flexible working hours: Manage work alongside household responsibilities, making the opportunity suitable for homemakers and women in rural areas.
- Continued career opportunity: After completing the three-year stipend period, continue working as a regular LIC agent and earn commission under the applicable agent rules.
- Opportunity for graduates: Graduate Bima Sakhis can apply for the Apprentice Development Officer post after completing five years as an agent, subject to the prescribed eligibility conditions.
Scheme at a Glance (As per PIB, July 2025)
- 2,05,896 Bima Sakhis working across India
- Rs. 62.36 crore paid as stipend in FY 2024-25
- Rs. 520 crore budget provided for FY 2025-26
Eligibility Conditions Required to be Fulfilled
The LIC Bima Sakhi Yojana is designed for women who want to begin a career in the insurance sector as LIC agents. LIC has specified eligibility conditions related to age, educational qualifications, professional status and family relationships. Applicants must meet these requirements before submitting their application.
Who Can Apply
- Must be a woman and an Indian citizen
- Must be between 18 and 70 years of age on the date of application
- Must have passed at least Class 10
- Must be willing to devote sufficient time to working as an LIC agent
- Must pass the IRDAI pre-recruitment examination for insurance agents
- Must satisfy the eligibility requirements under the LIC (Agents) Regulations, 2017
Who Cannot Apply
- Existing LIC agents
- Retired LIC employees and former agents seeking reappointment
- Employees of the Central Government, State Government or Public Sector Undertakings
- Relatives of any LIC Agent, Development Officer, Employee or Medical Examiner
Who Counts as a “Relative”
| Relation | Included |
|---|---|
| Spouse | Husband or wife |
| Children | Own, adopted or stepchildren, whether dependent or independent |
| Parents | Father and mother |
| Siblings | Brothers and sisters |
| In-laws | Immediate in-laws |
Special Benefit for Graduates
Women with a graduate degree who join as Bima Sakhis can become eligible to participate in LIC’s recruitment process for the post of Apprentice Development Officer (ADO) after completing 5 years as an agent, provided they meet the other prescribed eligibility conditions.
Documents Required to be Attached
The LIC Bima Sakhi Yojana begins with a simple online lead form. However, women who want to become Bima Sakhis (Mahila Career Agents) must submit the required documents at an LIC branch. Keeping these documents ready in advance can help you complete the process smoothly, from submitting the online form to clearing the examination and receiving the appointment.
Mandatory Documents (As per LIC)
- A recent passport-size photograph
- A self-attested copy of age proof, such as an Aadhaar Card, birth certificate or Class 10 certificate
- A self-attested copy of address proof, such as an Aadhaar Card, Voter ID Card or utility bill
- A self-attested copy of your educational qualification certificate, confirming that you have passed at least Class 10
Details Needed for the Online Lead Form
- Full name, exactly as mentioned on your identity proof
- Date of birth
- An active 10-digit mobile number
- Email ID
- Complete residential address with the 6-digit PIN code
Documents the Branch May Also Ask For
- PAN Card
- Bank account details or a cancelled cheque to receive the stipend and commission
- IRDAI pre-recruitment examination pass certificate, after successfully clearing the exam
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Women who want to join the LIC Bima Sakhi Yojana can begin the process online through LIC’s official website or visit their nearest LIC branch. The online form records your basic details, but submitting it does not mean you have been appointed as a Bima Sakhi.
After submitting the form, you must complete the document verification, pass the required insurance agent examination, attend an interview and complete the necessary training. Follow the steps below to understand the process from start to finish.
Online Application Process
Step 1: Visit the official LIC Bima Sakhi page. Read the available information to understand the scheme before starting your application.
Step 2: Find and click the application link on the page. You can also open the Bima Sakhi Lead Application Form directly.
Step 3: Enter your full name exactly as it appears on your identity proof. The form already fills in the gender as Female and nationality as Indian, so check these details if they appear on your screen.
Step 4: Enter your date of birth correctly. Before proceeding, make sure you meet the prescribed age limit of 18 to 70 years.
Step 5: Enter your active 10-digit mobile number and email ID. Provide contact details that you can access because LIC may need to contact you about your application.
Step 6: Fill in your complete residential address. Include your house number, locality, city and correct 6-digit PIN code so that your address details remain complete.
Step 7: Answer the question asking whether you are related to an LIC Agent, Development Officer, Employee or Medical Examiner. Read the question carefully and select the correct answer. According to the stated eligibility condition, applicants who have such a relationship are not eligible.
Step 8: Look at the captcha code displayed on the screen and type it into the required box. Check the information you entered, then click Submit to send your lead form.
Step 9: After submitting the form, follow the instructions provided by LIC. Keep your mobile number active and your documents ready for the next stage of the selection process.
Offline Application Process
Step 1: Visit the official LIC website and look for information about your nearest LIC branch. Choose a branch you can visit easily.
Step 2: Visit the branch and tell the staff that you want to become a Bima Sakhi under the LIC Bima Sakhi Yojana. Ask them about the current application procedure.
Step 3: Collect the application form from the branch, if available, and fill in the required details carefully. Check your name, date of birth, address and contact information before submitting it.
Step 4: Submit the required self-attested document copies, including your photograph, age proof, address proof and Class 10 certificate. Follow any additional instructions provided by the branch.
What Happens After You Apply
Step 1: The LIC branch contacts you and checks your application and documents. Respond to any request for additional information or clarification.
Step 2: Complete the IRDAI pre-recruitment examination required for insurance agents. You must pass this examination to move forward in the appointment process.
Step 3: After passing the examination, attend the interview arranged by the LIC branch. Follow the instructions provided by the branch regarding the interview.
Step 4: If LIC selects you and completes the required formalities, you receive your agency code and appointment as a Bima Sakhi.
Step 5: Complete the training provided by LIC. The training helps you understand insurance products, policy-related work and your responsibilities as an agent.
Step 6: Start working as an LIC agent and selling suitable insurance policies to customers. Your three-year stipend period begins from your appointment date, subject to the applicable scheme conditions.
Important: Applying for the LIC Bima Sakhi Yojana is free. Do not pay anyone who promises a guaranteed or quick appointment. Submit your details only through LIC’s official website or branch, and follow the instructions issued by LIC throughout the process.
Bima Sakhi vs Regular LIC Agent
| Feature | Bima Sakhi | Regular LIC Agent |
|---|---|---|
| Who Can Join | Women aged 18 to 70 years who have passed at least Class 10, subject to LIC’s eligibility conditions | Men and women who meet LIC’s prescribed eligibility conditions |
| Monthly Stipend | Rs. 7,000 in the first year, Rs. 6,000 in the second year and Rs. 5,000 in the third year, subject to performance conditions | No scheme-based monthly stipend |
| Commission | Earns commission on policies sold in addition to the stipend | Earns commission on policies sold |
| After 3 Years | Can continue working as a regular LIC agent and earn commission under applicable rules | Continues as an LIC agent under the applicable rules |
| Career Growth | Graduate Bima Sakhis can apply for Apprentice Development Officer (ADO) recruitment after 5 years as an agent, subject to eligibility | Career opportunities depend on LIC’s applicable recruitment rules |
Important Links Available of the Scheme
- Apply online for LIC Bima Sakhi Yojana
- LIC Bima Sakhi Yojana official page
- Bima Sakhi Scheme update, PIB (Ministry of Finance)
- Life Insurance Corporation of India official website
Contact Details in Case of Help Needed
- Implementing Agency: Life Insurance Corporation of India (LIC)
- Head Office: LIC of India, Central Office, Yogakshema, Jeevan Bima Marg, Mumbai – 400021
- Email: ed_cc@licindia.com
- Local Help: Nearest LIC Branch Office
Frequently Asked Questions (FAQs)
Ans. The LIC Bima Sakhi Yojana, also known as the Mahila Career Agent (MCA) Scheme, is a three-year stipend programme run by the Life Insurance Corporation of India (LIC). Under this scheme, eligible women work as LIC agents and receive a monthly stipend along with commission on the policies they sell.
Ans. Prime Minister Narendra Modi launched the scheme on 9 December 2024 in Panipat, Haryana.
Ans. Women aged between 18 and 70 years who have passed at least Class 10 can apply, subject to the other eligibility conditions prescribed by LIC.
Ans. The monthly stipend is Rs. 7,000 in the first year, Rs. 6,000 in the second year and Rs. 5,000 in the third year. Payments depend on meeting the prescribed performance conditions.
Ans. No. A Bima Sakhi must meet the applicable monthly policy and commission targets. She must also maintain at least 65% of the earlier policies in force to qualify for the stipend in the second and third years.
Ans. The prescribed annual target is 24 policies and Rs. 48,000 in First Year Commission, excluding bonus. A Bima Sakhi must also sell at least one policy every month to qualify for that month’s stipend.
Ans. Yes. Bima Sakhis can earn commission on the insurance policies they sell, in addition to the monthly stipend, subject to LIC’s applicable rules.
Ans. No. A Bima Sakhi works as an LIC agent and is not a salaried employee of LIC. Her stipend depends on the scheme’s performance conditions, while her commission depends on the policies she sells.
Ans. No. Under the stated eligibility conditions, relatives of an LIC Agent, Development Officer, Employee or Medical Examiner cannot apply for the scheme.
Ans. Yes. Applicants must pass the IRDAI pre-recruitment examination for insurance agents. They must then attend an interview at the LIC branch and complete the required appointment formalities.
Ans. Yes. Graduate Bima Sakhis can participate in LIC’s recruitment process for the Apprentice Development Officer (ADO) post after completing five years as an agent, provided they meet the applicable eligibility conditions.
Ans. According to the Press Information Bureau (PIB), 2,05,896 Bima Sakhis were working across India as of July 2025.
Ans. You can begin the process by filling out the Online Bima Sakhi lead application form. You can also visit your nearest LIC branch for guidance on the application and selection process.
Ans. No fee is charged for submitting the online lead application form. Use LIC’s official website or visit an LIC branch to begin the process.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.