How to Start a Career as an Insurance POS Agent in India

In India, more and more people are looking for ways to earn money from home or as part-time work. One of the most popular options today is becoming an insurance POS agent. This job is easy to start, requires very little investment, and can give you a good income.

In this blog, we will explain what an insurance POS agent is, how you can become one, what you can sell, how much you can earn, and why this could be the right career path for you.

What is an Insurance POS Agent?

POS stands for Point of Sale. An insurance POS agent is a person who is trained and certified to sell simple insurance products like health insurance, motor insurance, and life insurance.

This role was introduced by the Insurance Regulatory and Development Authority of India (IRDAI) to help more people buy insurance. POS agents can work with insurance companies or online insurance platforms to sell insurance to customers.

The best part? You don’t need to be highly educated or experienced to start. Even if you are a student, a housewife, a retired person, or already working somewhere, you can still become a POSP agent and earn extra income.

Why Become an Insurance POS Agent?

There are many reasons why people choose to become a POS insurance agent. Here are a few:

1. No Investment Needed

You don’t need to spend money to start. Most companies offer free registration and training.

2. Work From Anywhere

This is a flexible job. You can work from home or any place using a phone or computer.

3. Earn Good Commissions

You get a commission for every policy you sell. The more you sell, the more you earn.

4. Short Training

You only need to complete a short training (15 hours) and pass a simple test to become a certified insurance POS agent.

Who Can Become a POS Agent?

Anyone who meets the following conditions can become a POSP agent in India:

• Must be at least 18 years old

• Must have passed the 10th standard

• Must have basic KYC documents like Aadhaar, PAN card, and bank details

• Must have a smartphone or computer with internet access

That’s all you need to get started.

Step-by-Step Guide to Becoming an Insurance POS Agent

Here’s a simple process to start your career as a POS agent:

Step 1: Choose a Reliable Insurance Company or Aggregator

You need to register with an insurance company or a trusted online insurance platform. They will help you with the training and onboarding process.

Step 2: Complete the 15-Hour Training

IRDAI requires every insurance POS agent to complete 15 hours of training. This training is easy to follow and is usually done online. It covers:

• Basics of insurance

• Different types of insurance products

• How to deal with customers

• Important rules and guidelines

Step 3: Pass the Exam

After the training, you need to take an online test. It is simple, and if you have attended the training properly, you should pass easily. Once you pass, you will receive a POSP certificate.

Step 4: Start Selling Insurance

After certification, you can log in to the partner’s POS portal and start offering insurance plans to customers. You can:

• Generate quotes

• Compare policies

• Fill in customer details

• Issue policies online

What Products Can a POS Agent Sell?

As a POS insurance agent, you can sell pre-approved insurance products. These are:

• Health Insurance (individual and family plans)

• Motor Insurance (car, bike, and commercial vehicles)

• Life Insurance (term plans and simple endowment plans)

• Travel Insurance

• Personal Accident Insurance

These are easy to understand and explain to customers.

How Much Can You Earn?

The amount you earn depends on how many policies you sell. You earn a commission on each policy. For example:

• If you sell a health insurance plan worth ₹15,000 with a 20% commission, you earn ₹3,000.

• If you sell 10 such policies in a month, you earn ₹30,000.

Some agents even earn ₹50,000 or more every month. The best part is that there is no limit on how much you can earn.

Skills That Help You Succeed

Even though you don’t need a special degree, having the following skills can make you a successful insurance POS agent:

• Good Communication: Helps you explain policy details clearly

• Basic Computer Use: To handle online portals

• Sales Mindset: Convince people to buy the right plan

• Patience and Honesty: Build long-term trust with customers

Many companies also give you free marketing tools, customer support, and training to help you grow.

Benefits of Becoming a POS Agent

Let’s look at some more benefits of choosing this career:

• Be Your Own Boss: No fixed timings or targets

• Work Part-Time or Full-Time: As per your schedule

• Easy to Start: No long paperwork or interviews

• Support and Training: Companies provide full guidance

This job suits people from all backgrounds, especially those looking for work-from-home or side income options.

Frequently Asked Questions

1. Is this a government job?

No, this is not a government job. But it is regulated by IRDAI, which makes it legal and safe.

2. Can I work with more than one company?

Some companies allow you to sell policies from multiple insurers. You need to check this before joining.

3. Do I need to go to an office?

No, all work can be done online through a laptop or smartphone.

4. Is there any registration fee?

Most platforms do not charge any fee. Some may charge a small amount for training or certification.

Final Thoughts

Becoming an insurance POS agent in India is one of the easiest and most rewarding career options available today. You don’t need a high education or money to start. All you need is a little time to complete the training and a willingness to learn and help people.

If you are looking for a flexible job, want to earn from home, or need extra income, then this career is worth considering. With growing awareness about insurance in India, the demand for POSP agents is only going to rise.

So, take the first step today. Register with a trusted company, get certified, and start your journey as a successful insurance POS agent.