Build a career as a IRDAI POSP
Just 15 hours of training and one online test to start selling insurance from anywhere.
Know the IRDAI POSP before you start
15 hours (online)
Training Hours
Online qualifying test
Exam Type
18 years
Minimum Age
Class 10th pass
Min. Education
Roles & salary as you grow
The IRDAI POSP opens an entry role that promotes upward — here's the ladder and what each rung pays.
Stage 1
POSP Insurance Agent
Commission-based; ~₹1.5–4 LPA (part-time to full-time)
Sells pre-approved POS products for one or more insurers/aggregators, earning a commission on each policy. Flexible, work-from-anywhere, zero upfront investment - popular as a side income.
Stage 2
Full-time POSP / Insurance Advisor
₹3–8 LPA (active sellers)
Treats POSP selling as a primary occupation across motor, health and life POS products; uncapped commissions plus insurer bonuses and reward programs reward higher volumes.
Stage 3
POSP Team Lead / Aggregator Partner
₹4–10 LPA + overrides
Builds and manages a network of POSPs under a broker/web-aggregator, earning overriding commission on the team's business.
Stage 4
Upgrade to IC-38 Licensed Agent
Uncapped
A natural growth path: after gaining experience, POSPs often clear IC-38 to become full agents able to sell the entire product range (including customised plans) and earn higher commissions.
*Indicative ranges from public data; actual pay varies by employer, city and cycle.
Are you eligible?
Education
Minimum Class 10th (matriculation) pass.
Age
Minimum 18 years.
Nationality
Indian citizen.
How the IRDAI POSP is structured
Becoming a POSP is deliberately lightweight: candidates complete a 15-hour IRDAI-mandated training module (fully online) covering insurance basics, product knowledge, regulations and sales conduct, then take a short online qualifying examination administered by the sponsoring insurer/intermediary. Passing awards the POSP certificate. POSPs may sell only pre-underwritten, standardised point-of-sale products (e.g. motor, personal accident, travel, simple term/health plans) where benefits are pre-defined and cannot be customised.
POSP Online Qualifying Exam
What you'll study
menu_bookInsurance Basics
menu_bookPoint-of-Sale Products
menu_bookRegulatory & Compliance
menu_bookSales & Servicing
How to crack the IRDAI POSP
Check eligibility & sign up
Ensure you are 18+ and Class 10th pass, then register with an IRDAI-registered insurer, broker or web-aggregator offering POSP onboarding.
Submit KYC documents
Provide Aadhaar/PAN, address proof, Class 10th certificate, a photograph, and bank details for commission payouts.
Complete 15 hours of training
Finish the IRDAI-mandated 15-hour online training module covering insurance basics, products, regulations and sales conduct - at your own pace.
Pass the online exam
Take the short online qualifying examination administered by your sponsor; clear the qualifying score to proceed.
Get certified & start selling
Receive your POSP certificate after background verification and begin selling pre-approved point-of-sale products, earning commission on every policy.
The IRDAI POSP cycle
Year-round / on-demand
Self-paced, completed anytime online
On-demand, immediately after training
Within a few days, after verification
Prep for IRDAI POSP with PrepClever
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See the full IRDAI POSP guide arrow_forwardIRDAI POSP — common questions
What is the difference between POSP and IC-38?
POSP is the simpler, lower-barrier certification - 15 hours of training and a short online test - but you can sell only pre-approved, standardised products that can't be customised. IC-38 requires 50–75 hours of training and a formal III exam, and licenses you as a full agent able to sell and tailor the entire product range.
How long is the POSP training?
IRDAI mandates a minimum of 15 hours of training, which can be completed online at your own pace.
Is there an exam and is it online?
Yes - after the 15-hour training you take a short online qualifying exam set by your IRDAI-registered sponsor. Passing awards the POSP certificate.
Who is eligible to become a POSP?
Any Indian citizen aged 18 or above who has passed Class 10th (matriculation).
How much can a POSP earn?
Earnings are entirely commission-based and uncapped - from a modest side income to several lakhs a year for active full-time sellers, with insurer bonuses and reward programs on top, and zero upfront investment.
What products can a POSP sell?
Only pre-underwritten, standardised 'point-of-sale' products with pre-defined benefits - such as motor, personal accident, travel, and simple term/health plans. Customised or complex plans require a full IC-38 agent licence.