It’s getting harder these days for young people in India to find a job to become financially independent. While there aren’t enough good opportunities in small towns, bigger cities come with their own set of competition. Just to give you an idea, India’s unemployment rate went up to 5.6% in May 2025. So yeah, there’s a real need for more stable and reliable career options right now.
That’s where the insurance sector is starting to stand out. It’s one of the few industries creating jobs not just in metro cities but also in smaller towns and semi-urban areas. And here’s the interesting part: India’s insurance penetration was only 4% in 2023, compared to the global average of 7.1%. So there’s still a huge market out there, and it’s expected to grow fast over the next few years.
This makes it a really good time to think about becoming an insurance agent—especially if you're in a place like Ajmer.
Let’s begin the Q&A about becoming an insurance agent in Ajmer
Q1: What are the basic requirements to become an insurance agent in Ajmer?
Answer: To become insurance agent in Ajmer, you need to meet these fundamental requirements:
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Age: Minimum 18 years for individual agents
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Education: Minimum Class 10th pass (though Class 12th is preferred by most companies)
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Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Passport
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Address Proof: Valid address proof showing Ajmer residence
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Bank Account: Active bank account with proper KYC completion
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Clean Background: No criminal record or financial irregularities
When exploring how to become insurance agent in Ajmer, these basic requirements serve as your starting point. Most insurance companies in Ajmer maintain similar eligibility criteria, making it accessible for a wide range of candidates.
Q2: Which examinations do I need to clear to become an insurance agent in Ajmer?
Answer: The examination process is crucial when learning how to become insurance agent in Ajmer:
For Life, General, and Motor Insurance:
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IC-38 Exam: Mandatory for all life insurance agents
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50 multiple-choice questions
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45 minutes duration
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Minimum 35 marks required (70% passing score)
The IC-38 exam covers insurance fundamentals, regulations, and ethical practices. Understanding this examination structure is essential when planning how to become insurance agent in Ajmer.
Q3: How can I register for the IC-38 exam in Ajmer?
Answer: Here's the step-by-step process for exam registration when pursuing how to become insurance agent in Ajmer:
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Visit IRDAI Website: Go to www.irdai.gov.in
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Navigate to Examination Section: Find the "Agents Examination" portal
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Create Account: Register with your personal details
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Fill Application: Complete the IC-38 exam application form
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Upload Documents: Submit required documents in specified format
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Pay Fees: Make online payment
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Select Exam Center: Choose Ajmer or nearest available center
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Download Admit Card: Available 7 days before exam date
Q4: How much money does an insurance agent make?
Answer: How much money one makes an insurance agent relies on a lot of factors as mentioned below:
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Type of Insurance: Life and health insurance usually give higher commissions than motor insurance.
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Policies Sold: More sales = more income.
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Commission Structure: Varies by company. Some also pay yearly renewal commissions.
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Broker vs. Direct Company: Brokers offer multiple products, increasing your chances of earning more.
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Location: Metro cities may offer higher income potential, but agents in smaller towns can also earn well.
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Experience & Network: Experienced agents with strong connections tend to earn more.
Typical Earnings:
Beginners may earn INR 10,000–INR 20,000/month. With experience, this can go up to INR 50,000–80,000 per month. Some of our top insurance agents earn as much as 80,000 per month.
Q5: What documents are required for insurance agent registration in Ajmer?
Answer: Document preparation is vital when understanding how to become insurance agent in Ajmer:
Personal Documents:
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Aadhaar Card (original + photocopy)
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PAN Card (mandatory for tax purposes)
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Educational certificates (Class 10th/12th)
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Recent passport-size photographs (6-8 copies)
Address Verification:
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Electricity bill or gas bill (not older than 3 months)
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Rent agreement (if staying in rented accommodation)
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Property papers (if own house)
Professional Documents:
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IC-38 exam pass certificate
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Bank account details and cancelled cheque
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Previous employment certificates (if any)
Additional Requirements:
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Character certificate from local police (for some companies)
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Medical fitness certificate (rarely required)
Q5: Which are the top insurance companies recruiting agents in Ajmer?
Answer: Several reputable insurance brokers and insurance companies offer opportunities for those exploring how to become insurance agent in Ajmer:
Insurance Broking Firms:
Insurance brokers like InsuranceDekho also hire insurance agents in Ajmer and across India. One of the key benefits of working with a broker is that you get access to a wide range of insurance products from multiple companies. This gives you the freedom to choose and recommend products that best suit your customer’s needs.
On the other hand, if you work directly with an individual insurance company, you’re tied to that company and can only sell its products. For example, if you become an HDFC insurance agent, you will only be able to sell insurance plans offered by HDFC.
Life Insurance Companies:
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Life Insurance Corporation of India (LIC)
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HDFC Life Insurance
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ICICI Prudential Life Insurance
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SBI Life Insurance
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Max Life Insurance
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Bajaj Allianz Life Insurance
General Insurance Companies:
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New India Assurance Company
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National Insurance Company
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Oriental Insurance Company
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Bajaj Allianz General Insurance
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HDFC ERGO General Insurance
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ICICI Lombard General Insurance
Health Insurance Specialists:
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Star Health and Allied Insurance
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Care Health Insurance
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Niva Bupa Health Insurance
Each company has unique benefits and commission structures. Researching these options thoroughly is crucial when deciding how to become insurance agent in Ajmer.
Q6: What is the commission structure for insurance agents in Ajmer?
Answer: Understanding earning potential is essential when considering how to become insurance agent in Ajmer:
Life Insurance Commissions:
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First Year: 15-40% of premium amount
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Renewal Years: 2-7.5% for subsequent years
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ULIPs: Higher initial commission (up to 35%)
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Term Plans: Lower but consistent commissions
General Insurance Commissions:
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Motor Insurance: 10-15% of premium
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Health Insurance: 15-20% of premium
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Commercial Insurance: 10-25% based on policy type
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Travel Insurance: 20-30% of premium
Performance Incentives:
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Monthly performance bonuses
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Annual achievement awards
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Foreign trips for top performers
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Career advancement opportunities
The commission structure makes the question "how to become insurance agent in Ajmer" financially attractive for dedicated professionals.
Q7: What training is provided to new insurance agents in Ajmer?
Answer: Comprehensive training is a key advantage when you decide how to become insurance agent in Ajmer:
Initial Training (Duration: 15-25 hours):
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Insurance fundamentals and terminology
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Product knowledge and features
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Sales techniques and customer approach
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Regulatory compliance and ethics
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Digital tools and technology usage
Ongoing Training Programs:
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Monthly product updates
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Advanced sales workshops
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Customer service excellence programs
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Leadership development courses
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Digital marketing and social media training
Support Systems:
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Assigned mentor to reach out for any doubts
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Access to company learning portals
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Participation in regional conferences
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Peer learning groups
This comprehensive training ecosystem ensures success for those learning how to become insurance agent in Ajmer.
Also Check: POSP Insurance Agent Certification
Q8: What are the career growth opportunities for insurance agents in Ajmer?
Answer: Career progression is promising for those trying to look for an opportunity in insurance sector.
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Insurance Agent (Entry level)
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Senior Agent (After 2-3 years)
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Team Leader (Managing 5-10 agents)
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Branch Manager (Overseeing entire branch)
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Regional Manager (Multi-city responsibility)
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Start your own insurance brokerage
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Develop into composite agent (life + general)
These growth opportunities make learning how to become insurance agent in Ajmer a long-term career investment.
Q9: What challenges should I expect as an insurance agent in Ajmer?
Answer: Being realistic about challenges helps when planning how to become insurance agent in Ajmer:
Market Challenges:
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Low insurance awareness in semi-urban areas
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Competition from multiple agents
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Seasonal fluctuations in sales
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Economic uncertainty affecting purchases
Professional Challenges:
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Initial income instability
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Building customer trust and relationships
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Meeting monthly targets consistently
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Handling claim-related customer concerns
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Continuous learning requirements
Understanding these challenges prepares you better for success when pursuing how to become insurance agent in Ajmer.
Q10: How do I choose the right insurance company in Ajmer?
Answer: Making the right company choice is crucial when determining how to become insurance agent in Ajmer:
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Company's claim settlement ratio
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Solvency ratio and financial strength
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Market reputation and brand value
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Years of operation and track record
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Quality of training programs
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Marketing support and materials
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Technology platforms and tools
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Commission payment reliability
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Variety of insurance products
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Competitive pricing and features
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Innovation in product development
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Customer satisfaction ratings
Q11: What are the legal responsibilities of an insurance agent in Ajmer?
Answer: Understanding legal obligations is crucial when learning how to become insurance agent in Ajmer:
Regulatory Compliance:
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Adherence to IRDAI guidelines and regulations
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Proper disclosure of policy terms and conditions
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Accurate completion of proposal forms
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Timely submission of required documents
Customer Responsibilities:
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Provide honest and transparent advice
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Explain all policy features and limitations
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Assist in claim settlement process
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Maintain customer confidentiality
Financial Obligations:
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Accurate premium collection and remittance
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Proper maintenance of financial records
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Timely payment of taxes and compliance fees
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Transparent commission disclosure
Understanding these responsibilities ensures ethical practice when pursuing how to become insurance agent in Ajmer.
Q13: How can I build a strong client base in Ajmer?
Answer: Building a robust client network is fundamental when understanding how to become insurance agent in Ajmer:
Community Engagement:
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Participate in local events and festivals
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Organize financial literacy workshops
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Partner with local businesses and professionals
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Create referral incentive programs
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Maintain relationships with satisfied customers
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Create local social media presence
Q14: What is the typical work schedule for an insurance agent in Ajmer?
Answer: The best part about becoming an insurance agent in Ajmer, or anywhere in India, is the flexibility. There are no fixed working hours. You can choose when and where to work, based on what suits you and your customers. Whether it's calling clients from home or meeting them in person, you have complete control over your schedule. This freedom makes it a great career option for those looking for flexible, self-paced work.
Q15: What support can I expect from insurance companies in Ajmer?
Answer: Your journey as an insurance agent starts with solid support right from day one. Most companies begin with:
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A thorough orientation and onboarding process to help you get familiar with insurance basics, things like products, industry regulations, and how the sales process works.
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Regular training updates on new products, market trends, and policy changes, often shared through online sessions or digital platforms.
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Offer workshops focused on improving your sales techniques.
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Promotional support, like marketing materials and engagement campaigns, to help you connect with more clients and boost your sales.
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Access to mobile apps, CRM systems, and digital tools that make it easier to track leads, manage paperwork, and handle policy-related tasks.
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Help with processing policies, settling claims, or handling customer queries, there’s a team to support you.
If you’re looking at how to become an insurance agent in Ajmer, the process is structured but straightforward, from meeting the basic eligibility criteria and clearing the IC-38 exam, to picking the right insurance partner. It’s a career that brings financial stability, room for growth, and the genuine satisfaction of helping people protect their future.