Any journey becomes easier when you have someone to guide you. Becoming an insurance agent in Muzaffarnagar can feel overwhelming if you're starting alone, especially if you're new to the insurance industry. With the right steps, training, and guidance, it’s totally achievable. This career offers flexibility and rewards. It also helps you build a steady income and provides your family with the life they deserve.
We have answered all the questions you might have about how to become an insurance agent in Muzaffarnagar.
What is an insurance agent & what do they do?
An insurance agent is a trained expert. They help people find the right insurance policy that fits their needs and budget. It can be any product of insurance: health, motor, or life. The insurance agent acts as a bridge between the insurance provider and the customer.
The insurance agent helps the customer understand the intricacies of any insurance. What to expect, how to claim, and what's covered in insurance. Insurance agents build trust and make it easy for customers to access insurance whenever they need it.
At InsuranceDekho, we offer a smart way to become an insurance agent through the PoSP (Point of Sale Person) model.
Most people don't know that you don't have to be tied to one company. As a PoSP with InsuranceDekho, you have more freedom and flexibility to start quickly.
What's a PoSP? A PoSP is like an insurance agent but can sell policies from multiple companies, not just one. This means more products, customers, and earning potential.
Insurance PoSP vs. Agent: What’s the difference?
| Feature | PoSP (Point of Sale Person) | Insurance Agent |
| Who can they sell for? | Multiple insurance companies | Only one insurance company |
| Types of insurance sold | Mostly general insurance: health, motor, etc. | Mostly life insurance or specific products |
| Training required | 15 hours (online) | 25 hours (IRDAI-approved) |
| Exam requirement | Basic test after training | IRDAI licensing exam |
| Work flexibility | Very flexible; compare and choose | Less flexible; tied to one company |
| Earning potential | Commissions from multiple insurers | Commission from one insurer |
| Best for | Quick entry, more freedom, more variety | Loyalty to one insurer, long-term plan |
| Example | Sells health plans from Star, car insurance from HDFC, etc. | Sells only LIC policies if tied with LIC |
What does a day in the life of an insurance agent or PoSP look like?
-
Understanding your customers' needs
- Learning about the customer's personal, financial, and family situation.
- Understanding what type of coverage would suit them best.
- Offering personalized suggestions rather than a one-size-fits-all plan.
-
Explaining insurance plans
- Simplifying complex policy terms in the language they understand.
- Comparing the benefits, premiums, and exclusions of different plans.
- Helping them understand what is and isn't covered.
-
Helping with application & documentation
- Helping in filling out proposal forms correctly.
- Submitting all required documents. This includes ID proof, address proof, and income proof. Make sure there are no mistakes.
-
Customer support after sales
- Answering their queries related to premium payments, policy updates, or renewals.
- Helping them with claims processing if and when needed.
- Ensuring their satisfaction throughout the policy period.
-
Staying updated
- Keeping up with new insurance products and IRDAI regulations.
- Attending ongoing training and upgrading skills, especially if working digitally.
-
Building long-term relationships
- Following up with existing customers for renewals and upgrades.
- Earning referrals by maintaining trust and providing good service.
Also Check: Life of a POSP Insurance Agent
Why become a PoSP or an insurance agent in Muzaffarnagar?
If you want a career that offers good income, flexibility, and a chance to help people, becoming an insurance agent in Muzaffarnagar is a smart move. Here’s why:
Muzaffarnagar is not only the capital of India; it’s a huge and growing market for insurance.
- Large population: With millions in Muzaffarnagar, there’s a constant need for insurance, health, life, cars, or bikes.
- Rising awareness: More people understand the importance of insurance. Whether for family protection or medical expenses, demand is rising daily.
- Business potential: Every person, shopkeeper, and professional is a potential customer. You don’t have to search far for leads.
If you know your local area well, you have a strong advantage.
Consistent Income, flexibility & growth
Becoming an insurance agent is not just a job; it’s a chance to grow on your own terms.
- Your earnings depend on your effort. The more policies you sell, the more commission you make. There’s no salary cap. Our PoSP agents earn as much as Rs. 80,000 per month.
- Complete flexibility. You can work from home, part-time, or alongside another job.
- You don’t need much to start. Basic training and a license are all you need.
- As people trust you, you become their go-to person for insurance. That reputation can grow into a full-time business.
Social impact: Help families protect their future
- You help people protect their health, life, and savings.
- You support families in tough times, like medical emergencies, accidents, or financial losses.
- Many in Muzaffarnagar still don’t know which insurance is right for them. You can guide them to make smart choices.
When someone says, “Thank you, your policy saved us during a tough time,” it feels truly rewarding.
Also Check: Benefits of Becoming a POSP Agent
Eligibility criteria to become a PoSP agent?
| Criteria | Details |
| Age | Minimum 18 years old |
| Education | Minimum 10th pass |
| Nationality | Indian citizen |
| KYC Compliance | Submit valid documents (Aadhaar, PAN, etc.) |
| Training | Complete 15-hour IRDAI-approved training |
| Exam | Pass the final certification assessment |
Who is this career for?
This career is for anyone who wants to grow, personally and financially, without the pressure of a regular 9-to-5 job. Whether you’re just starting out, looking to restart your career, or wanting a second source of income, becoming a PoSP insurance advisor with InsuranceDekho can fit into your life easily.
-
Working professionals seeking extra income
Already have a full-time job? No problem. You can work as a PoSP on the side and earn extra each month by helping people around you with their insurance needs.
Many of our successful PoSPs started part-time and now earn over Rs. 30,000–Rs. 80,000/month. -
Retired professionals or homemakers
If you've stepped back from full-time work but still want to stay active and financially independent, this career offers a flexible and dignified way to earn while helping others.
No heavy targets. No office required. Just your phone and your contacts. -
Digitally savvy youth & freshers
Are you comfortable using your smartphone, social media, and WhatsApp? You already have an edge! Many young people in Muzaffarnagar and other cities are using digital tools to grow as PoSPs, building their own brand and customer base.
You don't need a fancy degree. Just a willingness to learn and grow. -
Community connectors
Are you well-known in your locality? Do people often come to you for help or advice? You can use your trust and reputation to become a successful PoSP. Every connection you have is a potential customer.
From shopkeepers to school parents, your network is your strength.
What is the commission of an agent?
Let's talk about what most people are curious about: how much can you actually earn as a health insurance agent?
As a health insurance PoSP (point of sale person), you earn money through commissions. That means every time you help someone buy a health insurance policy, you get a percentage of the premium they pay.
So, how much is it?
On average, the commission for selling a health insurance policy can be anywhere from 5% to 30% of the first-year premium. This depends on the insurance company and the type of policy.
For example, if someone buys a health insurance policy with a premium of Rs. 20,000, you could earn Rs. 3,000-Rs. 5,000 as commission just for helping them choose and buy the right plan.
You also earn renewal commissions every year the customer continues with that plan. So your income doesn't stop after the first sale, you keep earning as long as your customers stay insured.
There's no cap on earnings. The more policies you sell, the more you earn. Some of our active PoSPs make Rs. 40,000 to Rs. 80,000+ every month.
How to become an insurance agent in Muzaffarnagar?
Ready to start your journey as an insurance agent? It's easier than you think! Follow these 3 simple steps to become a PoSP (point of sale person) with InsuranceDekho:
-
Step 1: Account Creation
Head to the InsuranceDekho PoSP website or download the IDedge app. Fill in your personal details to create your account and get started!
-
Step 2: KYC Document Verification
Enter your PAN card details to automatically fetch required documents for KYC (Know Your Customer). Then, share the documents with our Quality Check team for validation.
-
Step 3: Complete Online Training
After your KYC verification is done, it’s time to start your online training. As a PoSP, you need to complete a 15-hour training that covers all the essential aspects of selling insurance products, including customer service, policy types, claims, and much more.
The training is designed to be simple and comprehensive, helping you understand the insurance industry and become confident in guiding customers.
The training covers:
- Your earnings depend on your effort. The more policies you sell, the more commission you make. There’s no salary cap. Our PoSP agents earn as much as Rs. 80,000 per month.
- Complete flexibility. You can work from home, part-time, or alongside another job.
- You don’t need much to start. Basic training and a license are all you need.
- As people trust you, you become their go-to person for insurance. That reputation can grow into a full-time business.
After completing the training, you'll take a short test, and upon passing, you'll receive your certification. The passing marks for the PoSP certification test typically require a minimum score of 50% to successfully pass the exam. Upon passing the exam, you can start selling.
Throughout the process, you'll get 24x7 support from our team, ensuring you're always guided and ready to succeed!
