The Life Insurance Corporation of India (LIC) continues to lead the way in offering inclusive and innovative insurance solutions. One such initiative, the LIC Bima Sakhi Yojana, is designed not only to provide life insurance coverage but also to empower women through financial independence and employment opportunities. This article provides a complete guide to the scheme and explains LIC Bima Sakhi Yojana how to apply.
What is LIC Bima Sakhi Yojana?
LIC Bima Sakhi Yojana is a special recruitment-cum-insurance promotion scheme by LIC that focuses on empowering women, especially in rural and semi-urban areas. Under this yojana (scheme), LIC appoints Bima Sakhis — trained women insurance agents who promote LIC products within their communities while also benefiting from LIC’s incentives and support.
It serves dual purposes:
Provides employment opportunities to women, helping them become financially independent.
Increases insurance awareness and penetration among underinsured populations.
Key Benefits of LIC Bima Sakhi Yojana
Self-employment for women with flexible working hours.
Attractive commission structure and bonuses.
Free training and certification by LIC.
Opportunity to work with India’s most trusted life insurance company.
No large investment required to start.
Insurance and financial literacy growth in rural and underserved communities.
Eligibility Criteria to Become a Bima Sakhi
To apply for LIC Bima Sakhi Yojana, applicants must meet the following criteria:
Gender: Only women are eligible.
Age: 18 to 35 years (can vary slightly depending on region).
Education: Minimum 10th pass (some zones may require 12th pass).
Nationality: Indian citizen.
Communication Skills: Should have basic communication skills in the local language.
How to Apply for LIC Bima Sakhi Yojana
Here is a step-by-step guide:
Step 1: Visit the Nearest LIC Branch
Go to your local LIC branch and express your interest in joining the Bima Sakhi Yojana. Ask to speak to the Development Officer or Branch Manager.
Step 2: Submit Application Form
Fill out the official LIC Bima Sakhi application form. Carry the following documents:
Identity proof (Aadhaar card, PAN card)
Educational certificates
Passport-sized photographs
Address proof
Bank account details
Step 3: Attend the Interview/Screening
LIC may conduct a short interview or assessment to evaluate your communication skills and understanding of the role.
Step 4: Undergo Free Training
Once selected, you’ll receive training from LIC on insurance products, sales strategies, and customer service. This training is usually 25–100 hours and is free of cost.
Step 5: Pass the IRDAI Exam
You may be required to pass a simple exam conducted by IRDAI (Insurance Regulatory and Development Authority of India) to become a licensed insurance agent.
Step 6: Start Your Work as a Bima Sakhi
After certification, you will be officially appointed as a LIC Bima Sakhi and can begin promoting and selling LIC policies within your community.
Important Tips for Applicants
Stay committed and communicate with your local LIC Development Officer regularly.
Be proactive in reaching out to families and small businesses in your area.
Focus on educating people about the importance of life insurance.
Leverage local women’s groups or self-help networks for outreach.
Final Thoughts
The LIC Bima Sakhi Yojana is a powerful initiative that empowers women by offering career opportunities and financial independence while simultaneously promoting life insurance coverage across India. By becoming a Bima Sakhi, women not only build a career but also make a significant impact in their communities.
If you're a woman looking for flexible income opportunities and a chance to serve society, LIC Bima Sakhi Yojana how to apply and become part of India's financial inclusion revolution.