POSP Eligibility: Who Can Become One
Two hard requirements and a citizenship condition. Almost everyone reading this qualifies.
POSP eligibility has three requirements: you must be an Indian citizen, at least 18 years old, and have passed Class 10th (matriculation). There is no upper age limit, no graduation requirement, and no need for prior insurance or sales experience.
That makes POSP one of the most open certifications in Indian financial services, and deliberately so: IRDAI created the category to widen insurance distribution beyond the pool that full agent licensing reaches. The rest of this page covers the documents sponsors ask for, and the honest version of who the role suits.
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The Eligibility Criteria
| Requirement | Bar |
|---|---|
| Age | Minimum 18 years, no upper limit |
| Education | Class 10th (matriculation) pass |
| Nationality | Indian citizen |
| Experience | None required |
| Other certifications | None required |
Documents Your Sponsor Will Ask For
Collected during KYC, before the training begins:
- checkAadhaar and PAN
- checkAddress proof
- checkClass 10th certificate (the education proof)
- checkA photograph
- checkBank account details, for commission payouts
See the exam's question style before signing up with a sponsor.
Who the Role Actually Suits
Eligibility says who may become a POSP; fit says who should. The work is selling: finding people who need motor, travel, personal accident or simple term and health cover, and closing standardised policies through a sponsor's app or portal. It is flexible, work-from-anywhere, and commission-only.
That last part is the filter. There is no salary floor, so income follows effort and network. Students, homemakers, shopkeepers and part-timers do well precisely because the role prices in partial attention. Anyone who needs a predictable monthly amount from day one is looking at the wrong certification.
Already Past Class 12th? You Still Might Not Want IC-38 First
Higher education does not push you out of POSP. Many candidates who qualify for the full IC-38 agent licence start as POSPs anyway, because the 15-hour route gets them selling within days and the IC-38 upgrade stays open forever. The POSP vs IC-38 page maps that decision properly.
FAQs
Who is eligible to become a POSP?expand_more
Any Indian citizen aged 18 or above who has passed Class 10th (matriculation). No degree, experience or prior certification is required.
Is there an upper age limit for POSP?expand_more
No. The only age requirement is a minimum of 18 years.
Can a student or homemaker become a POSP?expand_more
Yes, provided they are 18 or older and Class 10th pass. The certification was designed for flexible, part-time selling, and students and homemakers are among its most common holders.
Do I need to pass any national exam before POSP training?expand_more
No. The only test is the short online qualifying exam your IRDAI-registered sponsor administers after you complete the 15-hour training module.
Next steps
Start free POSP practiceNo signup, before you commit to a sponsor.