{
  "type": "article",
  "title": "Women Aged 18 To 70 Can Now Train As LIC Agents And Earn A Monthly Stipend Under This New Scheme",
  "summary": "Under the LIC Bima Sakhi Yojana, women aged 18 to 70 can train as insurance agents for three years while earning a monthly stipend of up to Rs 7,000, on top of commission from policy sales.",
  "content": "A government-backed insurance recruitment programme is giving women across India's small towns and villages a structured three-year path into paid work, complete with a fixed monthly stipend, hands-on training and the chance to become a certified insurance agent earning commission. Officially called the Mahila Career Agent scheme, or MCA, it was launched by Prime Minister Narendra Modi in December 2024 and is widely known by its public name, the LIC Bima Sakhi Yojana.\n\nWhy the scheme exists\nFor a large number of women living outside India's bigger cities, a steady source of income has long remained out of reach. Local job options are often limited, and for many women the only realistic path to paid work has meant leaving their homes behind and moving to a city. The LIC Bima Sakhi Yojana was built around a different idea: instead of asking women to migrate for work, it trains them to become agents of financial and insurance awareness inside their own communities. The scheme has set itself the target of appointing 2 lakh women as Bima Sakhis, with the dual aim of spreading insurance and financial literacy in areas that remain underserved and of creating independent livelihoods for women who have so far stayed outside the formal workforce.\n\nWho can apply\nThe scheme is open to women between the ages of 18 and 70. To apply, a woman must have completed a minimum of 18 years of age as on the date of application, while the maximum age allowed for entry into the scheme is 70. Age alone does not guarantee a place, though. Every applicant must also clear a pre-recruitment test prescribed by the Insurance Regulatory and Development Authority of India, or IRDAI, and must be able to devote adequate time to agency work once she is selected.\n\nNot everyone qualifies, however. The scheme specifically excludes employees of the Central government, State governments or public sector undertakings, along with women who are already working as LIC agents. Close relatives of existing or former LIC agents, LIC employees or ex-employees, or LIC medical examiners, meaning a spouse, children, parents, siblings or immediate in-laws, are also barred from applying. In addition, retired LIC employees or former agents who are hoping to be reappointed cannot join the scheme as Bima Sakhis.\n\nHow to apply and what documents are needed\nWomen who meet the eligibility criteria can apply through the official LIC website at licindia.in/lic-s-bima-sakhi. The application process requires a standard set of documents: an Aadhaar card, a PAN card, a 10th pass certificate, a passport-size photograph, address proof and bank account details. Once an applicant clears selection, she is allotted an agency code, following LIC's usual process for appointing agents.\n\nHow much money a Bima Sakhi can make\nThe financial support under the scheme is designed to taper down gradually over three years, while commission income is meant to pick up the slack as a Bima Sakhi's business grows. In the first year, selected women receive a stipend of Rs 7,000 per month. This drops to Rs 6,000 per month in the second year, and further down to Rs 5,000 per month in the third year. On top of this stipend, every Bima Sakhi also earns commission on the insurance policies she sells, which means her total monthly income can end up considerably higher than the stipend amount alone, depending on how much business she generates.\n\nThe conditions attached to the stipend\nThe stipend is not paid automatically every month regardless of performance. To actually receive it, a Bima Sakhi has to meet monthly business targets, which include selling a minimum number of policies and earning a specified level of first-year commission. There is also a renewal condition tied to the second and third years of the scheme: at least 65% of the policies a Bima Sakhi sold in the previous year must still be active for her to remain eligible for the stipend going forward. If a particular month turns out to be inactive and the targets are not met, no stipend is paid for that month. That shortfall is not necessarily lost forever, though, it can still be claimed later within the same year if the Bima Sakhi goes on to meet the required targets in a subsequent month.\n\nWhat happens after the three years are over\nOnce the three-year stipend period comes to an end, a Bima Sakhi's association with LIC does not end with it. She simply transitions into working as a regular LIC agent, from that point earning purely through commission on the policies she sells. The scheme also builds in a further step up the career ladder for women who stay the course: graduate Bima Sakhis who go on to complete five years of service as LIC agents become eligible to apply for the post of Apprentice Development Officer, or ADO, provided they meet the other eligibility conditions that apply to that role.\n\nWhat this means for you\nThis scheme could directly affect women in your family or neighbourhood who are looking for a steady income without moving to a city.\n\n• For women aged 18 to 70: A structured three-year path into paid work is now open, with a guaranteed monthly stipend and training even before commission income begins.\n• For household finances: Selling LIC policies successfully means a Bima Sakhi's income can grow well beyond the fixed stipend, but only if monthly business and policy-renewal targets are met.\n• For long-term careers: After five years as an agent, women can move up to the Apprentice Development Officer post, giving this scheme a career ladder beyond just the initial three years.\n\nQuestions & Answers\n\n1. What is the LIC Bima Sakhi Yojana?\nIt is the Mahila Career Agent, or MCA, scheme that gives women aged 18 to 70 a three-year path with a monthly stipend, training and the chance to become a certified LIC agent.\n\n2. When was the scheme launched and by whom?\nIt was launched by Prime Minister Narendra Modi in December 2024.\n\n3. How many women does the scheme aim to appoint?\nThe scheme targets appointing 2 lakh women as Bima Sakhis.\n\n4. Who is eligible to apply?\nWomen aged 18 to 70 who clear the IRDAI pre-recruitment test and can devote adequate time to agency work are eligible.\n\n5. How much monthly stipend is paid?\nRs 7,000 per month in the first year, Rs 6,000 per month in the second year, and Rs 5,000 per month in the third year.\n\n6. What conditions must be met to keep receiving the stipend?\nMonthly business targets must be met, and for the second and third years at least 65% of the previous year's sold policies must remain active.\n\n7. How do you apply, and what happens after three years?\nApplications go through licindia.in/lic-s-bima-sakhi with Aadhaar, PAN, 10th pass certificate, photo, address proof and bank details, and after three years a Bima Sakhi becomes a regular agent earning only commission, with eligibility to apply for the ADO post after five years.",
  "url": "https://trendkia.com/en/guides/18-se-70-sala-ki-mahilaen-aba-lic-ejenta-banakara-hara-mahine-pa-sakati-hain-staipenda-11780",
  "category": "Guides",
  "publishedAt": "2026-07-29",
  "tags": [
    "LIC Bima Sakhi Yojana",
    "Mahila Career Agent Scheme",
    "LIC Agent Recruitment",
    "Women Stipend Scheme",
    "IRDAI Test",
    "LIC Commission",
    "How To Become Insurance Agent"
  ],
  "language": "en",
  "site": "TrendKia"
}