LIC Bima Sakhi Yojana 2026: Eligibility, Stipend, Benefits and How to Apply Online
LIC Bima Sakhi Yojana is a women-focused career opportunity launched by the Life Insurance Corporation of India (LIC). The scheme is designed to provide women with an opportunity to work as Mahila Career Agents (Bima Sakhis)and earn a monthly stipend along with commission on eligible insurance business.
The Bima Sakhi scheme is a three-year stipendiary agency scheme exclusively for women. According to LIC, eligible women can receive a stipend of ₹7,000 per month in the first year, ₹6,000 per month in the second year and ₹5,000 per month in the third year, subject to the applicable performance conditions.
LIC Bima Sakhi Yojana 2026: Overview
| Particular | Details |
|---|---|
| Scheme Name | LIC Bima Sakhi Yojana |
| Also Known As | Mahila Career Agent Scheme |
| Organization | Life Insurance Corporation of India |
| Beneficiaries | Women |
| Minimum Age | 18 years |
| Maximum Age at Entry | 70 years |
| Educational Qualification | 10th Pass or Higher |
| Scheme Duration | 3 Years |
| First Year Stipend | ₹7,000 per month |
| Second Year Stipend | ₹6,000 per month |
| Third Year Stipend | ₹5,000 per month |
| Additional Earnings | Commission, subject to applicable LIC rules |
What is LIC Bima Sakhi Yojana?
LIC Bima Sakhi Yojana is a career-oriented initiative under which women can work as Mahila Career Agents for LIC.
The objective of the scheme is to provide women with an opportunity to build a career in insurance distribution and achieve greater financial independence. The scheme is not a regular salaried government or LIC employee job. LIC specifically states that appointment under the Bima Sakhi scheme is not treated as salaried employment with the Corporation.
After the three-year stipendiary period, a Bima Sakhi can continue working as a normal LIC agent and earn commission and other applicable benefits according to LIC rules.
LIC Bima Sakhi Stipend
The stipend under the scheme is provided for the first three consecutive stipendiary years, subject to fulfillment of the prescribed conditions.
First Year
Eligible Bima Sakhis can receive a stipend of:
₹7,000 per month
Second Year
The stipend is:
₹6,000 per month
However, LIC has specified an additional condition related to policies remaining in force from the first stipendiary year.
Third Year
The stipend is:
₹5,000 per month
The third-year stipend is also subject to the applicable policy-persistency condition.
Therefore, the stipend should not be described as unconditional monthly financial assistance. It is linked to the performance requirements of the Bima Sakhi agency scheme. (LIC India)
LIC Bima Sakhi Eligibility Criteria
According to the official LIC information, the basic eligibility requirements include:
The applicant must be a woman.
The minimum completed age should be 18 years.
The maximum age at entry is 70 years.
The applicant must have passed Class 10th or a higher qualification.
The applicant must be a permanent resident of India.
The applicant must be eligible for appointment as an LIC agent under the applicable regulations.
The applicant must be able to devote time and attention to working as an LIC agent. (LIC India)
LIC also states that employees of the Central Government, State Government or Public Sector Undertakings are not eligible to be recruited as Mahila Career Agents under the Bima Sakhi scheme. Existing LIC agents are also not eligible to apply as Bima Sakhis. (LIC India)
Is There an Income Limit for Bima Sakhi Yojana?
The official LIC Bima Sakhi eligibility information currently available does not list a ₹2.5 lakh family-income limitamong the basic eligibility conditions.
Therefore, applicants should not assume that a family income below ₹2.5 lakh is mandatory unless a specific official notification or application requirement states so.
For accurate and updated eligibility information, applicants should always check the official LIC website before submitting an application.
Performance Conditions for Receiving the Stipend
The Bima Sakhi scheme is performance-oriented.
According to LIC, the Bima Sakhi has to fulfill prescribed performance norms during each stipendiary year. For monthly stipend eligibility, LIC specifies minimum requirements related to the number of lives covered and First Year Commission, along with at least one policy in the relevant month. (LIC India)
For example, during the first stipendiary year, the official criteria are structured as follows:
| Period | Minimum Lives Per Month | First Year Commission |
|---|---|---|
| First 4 months | 1 | ₹2,000 |
| Next 4 months | 2 | ₹4,000 |
| Last 4 months | 3 | ₹6,000 |
| Total | 24 | ₹48,000 |
These requirements are important because the stipend is linked to the performance conditions of the scheme.
Is Bima Sakhi a Regular LIC Job?
No. LIC clearly states that appointment under the Bima Sakhi scheme is not treated as a salaried appointment as an employee of LIC.
Bima Sakhis work as LIC agents under the applicable agency rules. They receive the scheme's stipend subject to conditions and can also earn commission on eligible policies sold by them.
How to Apply for LIC Bima Sakhi Yojana Online?
Apply online- Click here
Women interested in the scheme should use the official LIC website and follow the Bima Sakhi application process.
Step 1: Visit the Official LIC Website
Open the official Life Insurance Corporation of India website.
Step 2: Find the Bima Sakhi Section
Look for the official Bima Sakhi / Mahila Career Agent section.
Step 3: Read the Eligibility Conditions
Before applying, carefully check the age, educational qualification, agency eligibility and other conditions.
Step 4: Open the Application Link
Use the official application link provided by LIC for Bima Sakhi recruitment.
Step 5: Enter Your Details
Fill in the required personal, educational and other information carefully.
Step 6: Submit the Required Documents
Upload or submit the documents requested by LIC according to the application instructions.
Step 7: Complete the Selection Process
According to LIC, the selection and appointment process includes the prescribed pre-recruitment test, submission of required documents and an interview at the branch office. After successful completion of the applicable process, the agency code may be allotted according to LIC's rules.
Documents Required for Bima Sakhi Application
The exact document requirements can vary according to the application process. Applicants should keep commonly requested documents and educational records ready and follow the official LIC instructions.
Possible documents may include:
Class 10th certificate/marksheet
Age proof
Address/residence proof
Identity proof
PAN card
Bank account details
Passport-size photograph
Other documents specified by LIC
Applicants should check the official application instructions for the final document list before submitting their form.
Important Points About LIC Bima Sakhi Yojana
Before applying, applicants should remember the following:
The scheme is exclusively for women.
The minimum age is 18 years and maximum entry age is 70 years.
The minimum educational qualification is 10th pass.
It is a three-year stipendiary agency scheme.
The stipend is ₹7,000, ₹6,000 and ₹5,000 per month for the first, second and third years respectively, subject to applicable conditions.
The stipend is not unconditional financial assistance.
Bima Sakhi is not a regular salaried LIC employee position.
Bima Sakhis can also earn commission on eligible policies.
Performance requirements must be fulfilled to receive the applicable stipend.
Applicants should verify the latest information from the official LIC website before applying.
LIC Bima Sakhi Yojana 2026 – FAQs
What is LIC Bima Sakhi Yojana?
LIC Bima Sakhi Yojana is a three-year Mahila Career Agent scheme designed exclusively for women to provide an opportunity to work as LIC agents with a performance-linked stipend and commission opportunities.
How much stipend is provided under Bima Sakhi?
The stipend is ₹7,000 per month in the first year, ₹6,000 per month in the second year and ₹5,000 per month in the third year, subject to the scheme's applicable performance conditions.
Can a 10th-pass woman apply?
Yes. LIC states that the minimum educational qualification is 10th pass or higher.
What is the age limit for Bima Sakhi?
The minimum completed age is 18 years and the maximum age at entry is 70 years.
Is Bima Sakhi a permanent LIC government job?
No. LIC states that Bima Sakhi is an agency scheme and appointment under the scheme is not treated as a salaried appointment as an LIC employee.
Is the ₹7,000 stipend guaranteed every month?
No. The stipend is subject to fulfillment of the prescribed performance and other applicable conditions.
Where can I apply for Bima Sakhi?
Applicants should use the official LIC website and the application link provided by LIC for the Bima Sakhi/Mahila Career Agent scheme.
Conclusion
LIC Bima Sakhi Yojana provides eligible women with an opportunity to work as Mahila Career Agents and build a career in insurance distribution. The scheme offers a monthly stipend of ₹7,000 in the first year, ₹6,000 in the second year and ₹5,000 in the third year, subject to prescribed performance conditions.
Women who are 18 to 70 years old and have passed Class 10th or above can check their eligibility and the latest application requirements on the official LIC website. Since the scheme is performance-based and is not a regular salaried LIC job, applicants should carefully read the official terms before applying.
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