If you are searching for how to apply LIC Bima Sakhi Yojana online, this article explains the complete process in simple words. LIC Bima Sakhi Yojana is an opportunity specially created for women who want to work as LIC insurance agents and build an income source.
Under this scheme, eligible women can work as Mahila Career Agents (Bima Sakhis). LIC provides a monthly stipend for the first three years, subject to the required performance conditions. Women can also earn commission from the insurance policies they sell.
The scheme is useful for women who want flexible work and are interested in the insurance sector.
LIC Bima Sakhi Yojana 2026
LIC Bima Sakhi Yojana is a three-year stipendiary scheme exclusively for women. The minimum educational qualification is 10th pass and the applicant must be at least 18 years old.
The maximum age at entry is 70 years. The applicant must also meet the conditions applicable to appointment as an LIC insurance agent.
LIC Bima Sakhi Yojana Highlights
| Details | Information |
|---|---|
| Scheme Name | LIC Bima Sakhi Yojana |
| Other Name | Mahila Career Agent Scheme |
| Organization | Life Insurance Corporation of India |
| Beneficiaries | Women |
| Minimum Qualification | 10th Pass |
| Minimum Age | 18 Years |
| Maximum Age | 70 Years |
| Scheme Period | 3 Years |
| First Year Stipend | ₹7,000 per month |
| Second Year Stipend | ₹6,000 per month |
| Third Year Stipend | ₹5,000 per month |
| Work | LIC Insurance Agent |
| Pre-Recruitment Test | Required |
| Application Mode | Online |
How to Apply LIC Bima Sakhi Yojana Online?
The LIC Bima Sakhi Yojana online application can be started through the official LIC website.
Applicants should follow these steps carefully.
Step 1: Visit the LIC Website
First, visit the official website of the Life Insurance Corporation of India.
Visit the official LIC website
Step 2: Open the Bima Sakhi Page
On the LIC website, find the Bima Sakhi section.
The official Bima Sakhi page contains the eligibility requirements, selection process, stipend details and application information.
Step 3: Click on Bima Sakhi Application
At the bottom of the official Bima Sakhi information page, LIC provides the “Click Here For Bima Sakhi” option.
Select this option to proceed to the application page.
Step 4: Enter Your Details
The online application form asks for the required candidate information.
Enter your details carefully. Make sure that your name, date of birth, educational qualification and other information are correct.
Do not enter incorrect information because LIC states that an incomplete application can be rejected.
Step 5: Submit the Application
After entering all the required information, check the details once again.
Submit the application according to the instructions shown on the official application page.
Applicants should save or note the application details for future reference.
Step 6: Complete the Selection Process
Submitting the online form does not mean that the applicant automatically becomes a Bima Sakhi.
The applicant has to complete the required selection and appointment process.
LIC states that the applicant must pass the prescribed pre-recruitment examination. After passing the test, the process includes submission of required documents, an interview at the LIC branch office and allotment of an agency code according to the applicable rules.
LIC Bima Sakhi Online Apply Link
Women who want to apply should use the official LIC application process.
Official Bima Sakhi information page:
Bima Sakhi online application page:
LIC Bima Sakhi Online Application
Always check the LIC website before applying because application procedures and instructions can change.
Who Can Apply for LIC Bima Sakhi Yojana?
The scheme is available only to women who meet the required conditions.
According to LIC’s current information, the applicant:
- Must be a woman.
- Must be a permanent resident of India.
- Must have completed at least 18 years of age.
- Must not be more than 70 years old at entry.
- Must have passed at least 10th standard.
- Must be eligible for appointment as an LIC insurance agent.
- Must be able to devote time and attention to the agency work.
- Must pass the prescribed pre-recruitment examination.
Central Government, State Government and Public Sector Undertaking employees are not eligible to be recruited as Bima Sakhis under the current rules.
LIC Bima Sakhi Yojana Qualification
The minimum qualification for LIC Bima Sakhi Yojana is 10th pass.
Women who have completed 12th, graduation or higher education can also apply if they satisfy all the other conditions.
Therefore, a woman does not need to be a graduate to apply for this scheme.
LIC Bima Sakhi Age Limit
The age limit is:
Minimum Age: 18 years
Maximum Age: 70 years
The minimum age must be completed on the date of application, while the maximum entry age is based on the last birthday, according to LIC’s current instructions.
LIC Bima Sakhi Stipend
The stipend is one of the main attractions of the scheme.
However, applicants should understand that the amount is not an unconditional monthly salary. The stipend is linked to performance requirements.
First Year
The stipend is ₹7,000 per month, subject to the applicable conditions.
Second Year
The stipend is ₹6,000 per month.
For the second year, LIC requires at least 65% of the policies completed in the first stipend year to remain in force at the end of the corresponding month.
Third Year
The stipend is ₹5,000 per month.
For the third year, at least 65% of the policies completed in the second stipend year must remain in force at the end of the corresponding month.
Stipend Table
| Year | Monthly Stipend |
|---|---|
| First Year | ₹7,000 |
| Second Year | ₹6,000 |
| Third Year | ₹5,000 |
The stipend is payable only during the first three consecutive stipend years and is subject to the required norms.
How Much Can a Bima Sakhi Earn?
A Bima Sakhi can receive the applicable stipend and can also earn commission on insurance policies sold by her.
LIC’s current rules provide monthly performance requirements during the first year.
| Period | Minimum Lives Per Month | First-Year Commission Requirement |
|---|---|---|
| First 4 months | 1 | ₹2,000 |
| Next 4 months | 2 | ₹4,000 |
| Last 4 months | 3 | ₹6,000 |
| Total | 24 | ₹48,000 |
The stipend is subject to these and other applicable conditions. LIC also states that at least one policy must be completed in the relevant month for the monthly stipend to be payable.
Is LIC Bima Sakhi a Government Job?
No.
This is an important point for applicants.
LIC Bima Sakhi is not a regular salaried government job or a regular LIC employee position.
A Bima Sakhi works as an insurance agent with additional stipend benefits under the scheme. LIC clearly states that the appointment under the Bima Sakhi scheme is not treated as a salaried appointment as an employee of LIC.
Documents Required for LIC Bima Sakhi Application
Applicants should keep their important documents ready before starting the application.
These may include:
- 10th class certificate
- Age proof
- Address proof
- Identity proof
- Recent photograph
- Educational qualification details
- Other documents requested during the application or appointment process
The exact documents required can depend on the application and appointment process. Applicants should follow the instructions shown on the official LIC application page.
LIC Bima Sakhi Selection Process
The selection process is not completed simply by submitting an online application.
The main stages include:
1. Online Application
The eligible woman submits her application through the prescribed LIC process.
2. Pre-Recruitment Test
The applicant has to pass the examination prescribed under the applicable IRDAI requirements.
3. Document Submission
After passing the required examination, the applicant has to submit the required documents.
4. Interview
The applicant may have to attend an interview at the LIC branch office.
5. Agency Code
After completing the required formalities, the agency code is allotted according to the applicable LIC rules.
Important Conditions for LIC Bima Sakhi
Before applying, women should know some important conditions.
An existing LIC agent cannot apply for recruitment as a Bima Sakhi.
LIC also has restrictions relating to certain relatives of existing agents, employees and other specified persons. Retired LIC employees and certain ex-agents seeking reappointment are also covered by the restrictions mentioned in LIC’s rules.
The application can also be rejected if the information provided is incomplete.
What Happens After Three Years?
The Bima Sakhi scheme provides stipend benefits for three years.
After completing the three-year stipend period, the Bima Sakhi can continue working as a normal LIC insurance agent and earn commission and other applicable benefits according to LIC rules.
This makes the scheme different from a normal three-year job contract.
Career Opportunity After Bima Sakhi
The scheme can also provide a longer-term career opportunity.
LIC states that Bima Sakhis who are graduates or above may, after completing five agency years, participate in the recruitment process for the Apprentice Development Officer post if they meet the applicable eligibility requirements.
LIC Bima Sakhi Yojana Online Apply: Important Points
Before submitting your application, remember these points:
- Only women can apply.
- Minimum qualification is 10th pass.
- Minimum age is 18 years.
- Maximum entry age is 70 years.
- The scheme provides a stipend for three years.
- The first-year stipend is ₹7,000 per month, subject to conditions.
- The second-year stipend is ₹6,000 per month, subject to conditions.
- The third-year stipend is ₹5,000 per month, subject to conditions.
- It is not a regular salaried LIC job.
- A pre-recruitment examination is required.
- An interview is part of the appointment process.
- Existing LIC agents cannot apply as Bima Sakhis.
- Commission can be earned on policies sold.
- Always use the official LIC website for the application.
LIC Bima Sakhi Yojana Online Apply FAQs
How to apply LIC Bima Sakhi Yojana online?
To apply, visit the official LIC website, open the Bima Sakhi page and use the “Click Here For Bima Sakhi” option. Complete the required application details and follow the instructions provided by LIC.
What is the qualification for LIC Bima Sakhi?
The minimum educational qualification is 10th pass.
What is the age limit for Bima Sakhi?
The minimum age is 18 years and the maximum entry age is 70 years.
How much stipend is given under Bima Sakhi Yojana?
The stipend is ₹7,000 per month in the first year, ₹6,000 per month in the second year and ₹5,000 per month in the third year, subject to the applicable performance conditions.
Is LIC Bima Sakhi a permanent job?
No. It is a Mahila Career Agent scheme and is not treated as a regular salaried LIC employee appointment.
Is there an exam for LIC Bima Sakhi?
Yes. Applicants have to pass the prescribed pre-recruitment examination.
Can 10th-pass women apply for Bima Sakhi?
Yes. LIC’s current eligibility information specifies 10th pass or higher as the educational qualification.
Can existing LIC agents apply for Bima Sakhi?
No. LIC’s current rules state that an existing agent cannot apply for recruitment as a Bima Sakhi.
Can Bima Sakhi earn commission?
Yes. Bima Sakhis can earn commission on insurance policies sold by them in addition to the applicable stipend.
What happens after three years of Bima Sakhi?
After the three-year stipend period, the Bima Sakhi can continue as a normal LIC agent and earn commission and other benefits according to the applicable LIC rules.
Conclusion
Women searching for how to apply LIC Bima Sakhi Yojana online can start the process through the official LIC website. The scheme offers women an opportunity to work as Mahila Career Agents and receive a stipend for three years, subject to performance conditions.
The minimum qualification is 10th pass and the age limit is 18 to 70 years at entry. The monthly stipend is ₹7,000 in the first year, ₹6,000 in the second year and ₹5,000 in the third year.
However, applicants should remember that LIC Bima Sakhi is not a regular salaried government or LIC job. It is an insurance-agent opportunity with stipend and commission benefits.
Before submitting the form, carefully read the latest instructions on the official LIC website and provide only correct information.
Official LIC Bima Sakhi Information:
LIC Bima Sakhi Official Page
Online Application:
Apply for LIC Bima Sakhi Online