As of 2026, the scheme continues to empower women by allowing them to work as Mahila Career Agents (MCA). Participants can earn through a combination of monthly stipend and commission, making it a great option for those seeking financial independence with flexible working hours.
Quick Overview of Bima Sakhi Yojana
| Feature | Details |
| Scheme Name | Bima Sakhi Yojana |
| Conducted By | LIC of India |
| Beneficiaries | Women |
| Age Limit | 18 to 70 years |
| Qualification | Minimum 10th pass |
| Work Type | LIC Agent (Flexible Work) |
| Stipend Duration | 3 Years |
| Monthly Stipend | ₹7,000 / ₹6,000 / ₹5,000 |
| Additional Income | Commission on policies |
What is Bima Sakhi Yojana?
The Bima Sakhi Yojana is a program where eligible women are appointed as LIC insurance agents.Unlike traditional salaried jobs, this opportunity offers:
- Monthly stipend for the first 3 years
- Commission on insurance policies sold
- Flexible working schedule
Benefits of Bima Sakhi Yojana
- Financial independence for women
- Flexible work timing
- No fixed office requirement
- Opportunity to build a long-term career with LIC
- Performance-based earning potential
Bima Sakhi Yojana Eligibility
Before applying, ensure you meet the following criteria:Eligible Candidates:
- Must be a woman
- Age between 18 and 70 years
- Minimum educational qualification: 10th pass
- Must be an Indian resident
- Able to dedicate time to the role
- Existing LIC agents
- Close relatives of LIC agents/employees (as per LIC norms)
- Individuals not meeting LIC or IRDAI guidelines
Bima Sakhi Yojana Age Limit
- Minimum Age: 18 years
- Maximum Age: 70 years (last birthday)
Selection Process
The selection process typically includes:- Passing the pre-recruitment test as per Insurance Regulatory and Development Authority of India guidelines
- Submission of required documents
- Interview at the LIC branch office
- Mandatory training as per LIC guidelines
- Allotment of agency code after selection
Stipend Structure
The stipend is provided for three years based on performance:| Year | Monthly Stipend |
| First Year | ₹7,000 |
| Second Year | ₹6,000* |
| Third Year | ₹5,000* |
Monthly Performance Criteria
To receive the stipend, candidates must meet monthly targets:| Period | Lives in each month | First Year Commission (Excluding Bonus 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 |
- At least one policy per month is mandatory
- No stipend is paid for inactive months
How to Apply Online for Bima Sakhi Yojana
Follow these steps to apply:- Visit the official website of Life Insurance Corporation of India
- Navigate to the LIC Bima Sakhi page
- Hit on the "Click Here for Bima Sakhi" tab
- Fill in the required details
- Submit the application form
Important Note: Applicants related to LIC agents, employees, or medical examiners may be restricted as per LIC policies.
Earnings and Career Growth
Earnings:- Monthly stipend (for 3 years)
- Commission on insurance policy sales
- Continue as LIC agent after 3 years
- Graduates may apply for Apprentice Development Officer (ADO) roles after gaining experience
Frequently Asked Questions (FAQs)
Q1. How to apply for Bima Sakhi Yojana?You can apply online through the official LIC website by completing the registration process.
Q2. What is the age limit for Bima Sakhi Yojana?
The age limit is 18 to 70 years.
Q3. What is the eligibility for Bima Sakhi Yojana?
Women who are at least 10th pass and fall within the age limit can apply.
Q4. Is Bima Sakhi Yojana a government job?
No, it is not a government job. It is a commission-based LIC agent opportunity.
Q5. What is the salary in Bima Sakhi Yojana?
There is no fixed salary. Participants receive a stipend for 3 years along with commission earnings.
Q6. Can existing LIC agents apply?
No, existing LIC agents are not eligible.
Q7. Is training required under this scheme?
Yes, selected candidates must complete training as per LIC and IRDAI guidelines.
If you meet the requirements, applying for this scheme can be a smart step toward financial independence with the support of the Life Insurance Corporation of India.
Yes, selected candidates must complete training as per LIC and IRDAI guidelines.
Conclusion
The Bima Sakhi Yojana is a valuable opportunity for women who want to earn independently while enjoying flexible working hours. With simple eligibility criteria and long-term earning potential, it offers a practical pathway to build a stable career.If you meet the requirements, applying for this scheme can be a smart step toward financial independence with the support of the Life Insurance Corporation of India.
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