LIC Bima Sakhi Yojana 2026: Women looking for a flexible career opportunity in the insurance sector can apply for the LIC Bima Sakhi Yojana, also known as the Mahila Career Agent (MCA) Scheme. The scheme is exclusively designed for women and provides a monthly stipend for the first three years, subject to fulfilling the prescribed performance conditions.
The scheme was launched on 9 December 2024 with the objective of providing employment opportunities and promoting financial independence among women.
LIC Bima Sakhi Yojana 2026 – Overview
| Details | Information |
|---|---|
| Scheme Name | LIC Bima Sakhi Yojana |
| Official Name | Mahila Career Agent (MCA) Scheme |
| Launched By | Life Insurance Corporation of India (LIC) |
| For | Women |
| Minimum Age | 18 years |
| Maximum Age | 70 years |
| Education Qualification | Minimum 10th Pass |
| Scheme Duration | 3 years |
| First-Year Stipend | ₹7,000/month |
| Second-Year Stipend | ₹6,000/month |
| Third-Year Stipend | ₹5,000/month |
| Work Type | LIC Insurance Agent |
| Application Mode | Online |
| Official Website | LIC India |
What is LIC Bima Sakhi Yojana?
LIC Bima Sakhi Yojana is a three-year stipendiary scheme exclusively for women. Under this programme, eligible women can become Mahila Career Agents (Bima Sakhis) of LIC.
The scheme is designed to provide women with an opportunity to work in the insurance sector and achieve greater financial independence. Bima Sakhis can also earn commission on insurance policies sold, in addition to the applicable stipend.
Importantly, this is not a regular salaried government or LIC employee job. A Bima Sakhi works as an LIC insurance agent under the applicable agency rules.
LIC Bima Sakhi Yojana Stipend 2026
Eligible Bima Sakhis can receive a monthly stipend for three consecutive years, subject to the scheme’s performance conditions.
| Year | Monthly Stipend |
|---|---|
| 1st Year | ₹7,000 |
| 2nd Year | ₹6,000 |
| 3rd Year | ₹5,000 |
Therefore, the maximum basic stipend over three years can total ₹2.16 lakh, subject to meeting the applicable conditions every month.
The second- and third-year stipends have additional conditions relating to policies remaining in force.
Can Bima Sakhi earn commission?
Yes. In addition to the stipend, Bima Sakhis are entitled to commission on the insurance policies they sell, according to LIC’s applicable rules.
LIC Bima Sakhi Yojana Eligibility 2026
Women applying for the scheme must satisfy the eligibility conditions prescribed by LIC.
1. Age Limit
The applicant must:
- Be at least 18 years old
- Not be more than 70 years old as of the last birthday/date of application as specified by LIC
2. Educational Qualification
The minimum educational qualification is:
10th standard pass or higher.
3. Citizenship / Residency
The applicant should be a permanent resident of India.
4. Who can apply?
The scheme is exclusively for women candidates who satisfy the requirements for appointment as an LIC insurance agent.
5. Government Employees
Employees of the Central Government, State Government or Public Sector Undertakings are not eligible to be recruited as Bima Sakhis.
Who Cannot Apply for LIC Bima Sakhi?
According to LIC’s current conditions, certain categories are excluded.
For example:
- Existing LIC agents cannot apply for recruitment as Bima Sakhi.
- Certain relatives of existing/ex-agents and LIC employees are not eligible.
- Retired LIC employees and certain ex-agents seeking reappointment are not eligible under the scheme.
- Applicants must satisfy LIC’s applicable agency regulations and other conditions.
Applicants should therefore carefully check the official LIC eligibility conditions before submitting an application.
LIC Bima Sakhi Yojana Documents Required
Applicants should keep the required documents ready for the application and subsequent selection process.
Commonly required documents may include:
- Aadhaar Card
- PAN Card
- 10th standard marks card/certificate
- Proof of age/date of birth
- Address/residence proof
- Passport-size photograph
- Bank account details
- Educational qualification documents
- Other documents requested by LIC
Note: The exact documents required can depend on the appointment and verification process. Applicants should follow the document instructions provided by LIC.
How to Apply for LIC Bima Sakhi Yojana Online 2026?
Women interested in the scheme can apply through the official LIC Bima Sakhi portal.
Step 1: Visit the LIC Official Website
Go to the official Life Insurance Corporation of India website.
Step 2: Open the Bima Sakhi Section
Find the LIC’s BIMA SAKHI / Mahila Career Agent section on the LIC website.
Step 3: Click on the Application Option
Select the option provided for Bima Sakhi application/registration.
Step 4: Enter Your Details
Enter the required information such as:
- Name
- Date of birth
- Mobile number
- Email ID
- Address
- Educational qualification
- Other required details
Step 5: Upload Documents
Upload the required documents and photograph wherever requested.
Step 6: Submit the Application
Check all details carefully and submit the application.
Keep the application/reference details safely for future communication.
LIC Bima Sakhi Selection Process
The selection process involves multiple stages.
Generally, after satisfying the eligibility requirements, the candidate has to:
- Submit the required documents.
- Pass the prescribed pre-recruitment examination.
- Attend an interview at the LIC Branch Office.
- Complete the required formalities.
- Receive the agency code after appointment, subject to LIC’s applicable rules.
The pre-recruitment test is prescribed under the applicable IRDAI regulations.
Bima Sakhi Monthly Performance Requirements
The stipend is not unconditional. Bima Sakhis have to fulfil specified monthly performance requirements.
According to LIC’s current information:
| Period | Minimum Lives Per Month | First-Year Commission Per Month |
|---|---|---|
| First 4 months | 1 | ₹2,000 |
| Next 4 months | 2 | ₹4,000 |
| Last 4 months | 3 | ₹6,000 |
| Total | 24 lives | ₹48,000 |
At least one policy must be completed in the relevant month for the stipend to be payable for that month. LIC also provides provisions for making up certain previous shortfalls, subject to the applicable conditions.
Is LIC Bima Sakhi a Government Job?
No.
This is an important point that applicants should understand.
LIC Bima Sakhi is not a regular salaried government job. A Bima Sakhi works as an LIC insurance agent and receives the scheme’s stipend for the first three years, subject to the applicable conditions.
After the three-year stipendiary period, the person can continue as a normal LIC agent and earn commission and other benefits according to the applicable LIC rules.
Benefits of LIC Bima Sakhi Yojana
The scheme offers several potential benefits for eligible women:
- Opportunity to work in the insurance sector
- Three years of stipend subject to conditions
- Opportunity to earn commission
- Flexible working opportunity
- Opportunity for financial independence
- Experience as an LIC insurance agent
- Opportunity to continue as a normal LIC agent after the stipendiary period
LIC has reported significant participation in the programme. According to LIC’s 2026 investor presentation, 3.45 lakh Mahila Career Agents had been appointed up to March 31, 2026, since the scheme’s launch.
Important Things to Know Before Applying
Before applying for LIC Bima Sakhi Yojana 2026, applicants should remember:
- It is exclusively for women.
- Minimum qualification is 10th pass.
- Minimum age is 18 years.
- Maximum entry age is 70 years.
- It is not a regular salaried LIC employee position.
- The stipend is subject to performance conditions.
- The stipend is available for the first three consecutive stipendiary years.
- Existing LIC agents cannot apply as Bima Sakhi.
- Applicants must pass the prescribed pre-recruitment examination.
- Candidates should apply only through official LIC channels.
LIC Bima Sakhi Yojana 2026 – FAQ
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 insurance agents with a stipend subject to performance conditions.
What is the age limit for Bima Sakhi?
The minimum age is 18 years and the maximum entry age is 70 years, according to LIC’s current official guidelines.
What is the qualification for Bima Sakhi?
The minimum educational qualification is 10th standard pass.
How much salary does Bima Sakhi get?
It is technically a stipend, not a regular salary. The monthly stipend is ₹7,000 in the first year, ₹6,000 in the second year and ₹5,000 in the third year, subject to the applicable conditions.
Can Bima Sakhi earn commission?
Yes. In addition to the applicable stipend, Bima Sakhis can earn commission on policies sold according to LIC’s rules.
Is Bima Sakhi a permanent LIC job?
No. Bima Sakhi is an agency/stipendiary scheme and is not a regular salaried LIC employee appointment.
Can existing LIC agents apply?
No. Existing LIC agents are not eligible to apply for recruitment as Bima Sakhi.
Where can I apply for Bima Sakhi Yojana 2026?
Applicants should use the official LIC website and Bima Sakhi application channel rather than unofficial websites or links.
Conclusion
LIC Bima Sakhi Yojana 2026 is an opportunity for eligible women who want to build a career in the insurance sector. With a minimum qualification of 10th pass and a three-year stipend structure of ₹7,000, ₹6,000 and ₹5,000 per month, the programme can provide an opportunity for women to earn while working as LIC insurance agents.
However, applicants should remember that the stipend is performance-based and subject to LIC’s terms and conditions. Before applying, always verify the latest eligibility criteria, application process and instructions on the official LIC website.