LIC Bima Sakhi Yojana

LIC Bima Sakhi Yojana: A Golden Opportunity for Women to Earn ₹48,000+ from Home

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LIC Bima Sakhi Yojana
The Life Insurance Corporation of India (LIC), in partnership with the central government, has introduced the Bima Sakhi Yojana, an initiative designed to empower women financially by offering them a stable income opportunity—right from the comfort of their homes. With a monthly stipend and a promising commission-based career path, this scheme is a practical step toward inclusive economic development.

What Is LIC’s Bima Sakhi Yojana?

Launched with the vision of empowering rural and semi-urban women, the Bima Sakhi Yojana is a government-supported initiative that enables women to become trained LIC agents. Women enrolled in the scheme receive professional training in insurance sales, customer service, and financial literacy. Post-training, they are appointed as LIC agents, primarily focusing on educating their local communities about insurance products and helping them secure financial protection.

The government has set a goal to prepare 1 lakh Bima Sakhis annually, reinforcing its commitment to financial inclusion and women-led development.

Earn While You Learn: Monthly Stipend and Income Potential

During the training period, women receive a monthly stipend between ₹5,000 and ₹7,000, helping them sustain themselves as they acquire new skills. After successfully completing the training, Bima Sakhis begin working as LIC agents and can earn up to ₹48,000 in their first year through commissions and incentives.

The scheme also rewards consistent performance. If 65% of the policies sold by a Bima Sakhi in her first year remain active in the second year, she becomes eligible to continue receiving the stipend for up to three years—a strong incentive for quality service and long-term engagement.

Who Can Apply?

To ensure fairness and access to new applicants, the scheme has outlined specific eligibility criteria:

  • Only women can apply.

  • Age must be between 18 and 70 years.

  • Minimum qualification: Class 10 pass.

  • Existing LIC agents, LIC employees, or their immediate relatives are not eligible.

This allows new participants a fair chance to benefit from the program without facing competition from insiders.

How to Apply: Online and Offline Methods

The Bima Sakhi Yojana allows for easy registration through both online and offline channels:

Online Process:

  • Visit www.licindia.in or your state’s CSC (Common Services Center) or Rural Livelihood Mission portal.

  • Fill out the application form and upload the required documents:

    • Age proof

    • Address proof

    • Class 10 marksheet

    • Passport-sized photo

    • Aadhaar card

    • Bank details

Offline Process:

  • Visit the nearest LIC branch office, CSC center, or Panchayat office.

  • Submit the physical form along with the necessary documents.

  • Selected candidates will receive SMS or email updates regarding their training schedule.

Upon completing the training, candidates receive a Bima Sakhi Certificate and an official LIC agent code, authorizing them to begin work immediately.

Career Advancement: Path to Becoming a Development Officer

The program doesn’t stop at LIC agency roles. Women who excel during the three-year training phase may also qualify for promotion to Development Officer positions. These higher posts not only offer better income but also open doors to long-term careers in the insurance and financial services sector.

This scheme is more than just a job opportunity—it is a stepping stone toward economic independence, professional growth, and women-led community development.

Author Profile

Kuldeep Singh Chundawat
Kuldeep Singh Chundawat
My name is Kuldeep Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.