How I Became an Insurance Agent in Muzaffarnagar at 67

My name is Ram Narayan Sharma. I’m 67 years old, retired, and living with my wife in Budhana, a small town in Muzaffarnagar, Uttar Pradesh. I spent over four decades as a government school teacher, and when I finally retired, I thought life would slow down. I had only one dream left, to take my wife traveling across India. She stood by me through every transfer, every long workday, every exam season. I promised her that post-retirement, we would finally explore the places we only talked about.

But here’s the truth no one tells you: pension alone isn’t enough. Especially not for travel, medical expenses, or the small joys of life you want to give your partner after a lifetime of saving and sacrifice.

At first, I dismissed the idea of earning again. What could I do at this age? I didn’t know anything about business. I wasn’t tech-savvy, never used an app without help, and hadn't studied for anything in decades. My sons said, “Baba, aab is age main koi kaam nahi milega.” And honestly, I believed them.

But I couldn’t let go of that dream, to travel with my wife, to gift her those moments she missed because of my career.

The YouTube video that changed everything

One evening, while browsing YouTube on my phone (with my grandson's help), I came across a story. A man from a small town had started working as a POSP insurance agent with InsuranceDekho, and he was earning from home without any investment.

At first, I was skeptical. What do I know about insurance? I’ve never sold anything in my life. But the idea kept sitting in my mind like a small spark.

The next day, I asked my grandson to help me sign up on the InsuranceDekho website. I got a call the very next day from their team. They patiently explained everything to me in Hindi, and told me I could become a certified insurance advisor by clearing an online IRDAI exam—and the best part? They would train me and guide me throughout.

My journey to becoming a POSP agent

Honestly, I was nervous about the IRDAI exam. I hadn’t touched a textbook in years. But the training InsuranceDekho provided was in Hindi and quite simple. 

They conducted live sessions where I could ask questions. I didn’t need to know English. I didn’t need to download 10 different apps. Just my phone, WhatsApp, and some dedication.

And within a few weeks, I cleared the exam. When the result came, I couldn’t believe it. My wife cried, and my sons were speechless. I had done something new—at 67.

Selling insurance in Budhana, built on trust

In a place like Budhana, people know each other. They knew me as “Masterji.” That trust became my biggest strength. I started talking to old students, neighbors, shopkeepers, parents of my former students. I didn’t “sell” insurance—I explained it like I used to explain history lessons. I told them why it matters to protect your family, how to choose the right policy, and why InsuranceDekho was a reliable platform.

Soon, word spread. People started calling me for help with insurance. I help them choose between health and motor insurance. With every policy sold, I earned a commission. And I didn’t need to set up any office, everything was done online, right from my living room.

Also Check: Insurance Job for Retired Professionals

Today: A life I had only imagined

It’s been a little over a year now. I make Rs. 40,000 to Rs. 50,000 every month just from insurance commissions. Add that to my pension, and it’s enough for me and my wife to travel every 3–4 months. We’ve already visited Haridwar, Vaishno Devi, and Rishikesh, and next we’re planning to go to Kerala.

Becoming a POSP Insurance Agent gave me something I never thought I’d have again: purpose. I’m learning something new every day, earning with dignity, and finally keeping my promise to my wife.

How can you start? The process

If you’re someone from Muzaffarnagar or any small town like Budhana, and you’re wondering how to become an insurance agent, here’s how you can start like I did:

1. Sign Up on InsuranceDekho: Visit their website or get help from someone younger to do it. Their team will guide you step-by-step from there on.

2. Get Training: You’ll get free training in Hindi, including live sessions with their experts.

3. Clear the IRDAI Exam: The exam is online and covers basics of insurance. If I could clear it at 67, so can you.

4. Start Selling: Once certified, you can start advising people and selling policies. You’ll earn a commission on each one.

5. No Investment Needed: You don’t need a shop, inventory, or any capital. Just a smartphone and internet.

Also Check: Difference Between Insurance Agent & Point of Sale Person (PoSP)

My message to you

You’re never too old to learn. You’re never too small to start. If you’re sitting at home in Muzaffarnagar, feeling like you’ve missed the bus, trust me, there’s still a road ahead.

InsuranceDekho didn’t just give me a job. It gave me back my identity, my respect, and the ability to turn my dreams into plans.

Start from where you are. Use what you have. And don’t let anyone tell you that you can’t.

 

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