In a significant step towards empowering women and promoting financial inclusion, the Government of India in collaboration with the Life Insurance Corporation of India (LIC) has launched the Beema Sakhi Scheme. This unique initiative is tailored to provide women—especially from rural and semi-urban areas—an opportunity to build a stable career in the insurance sector.
The program offers a structured pathway for women to become trained LIC agents, providing them not just with skills and certification but also with financial incentives and long-term income opportunities. Through a combination of training, performance-based earnings, and community engagement, the Beema Sakhi Scheme aims to empower over 1 lakh women annually and bring insurance services to underserved communities across India.
Summary Table
Aspect |
Details |
|---|---|
Scheme Name |
Beema Sakhi Scheme |
Implemented By |
LIC & Government of India |
Beneficiaries |
Women aged 18–70, minimum 10th pass |
Training Duration |
12 months |
Monthly Stipend |
₹5,000 – ₹7,000 |
Total 3-Year Income |
Up to ₹2.72 lakh |
Application Mode |
Online/Offline |
Official Website |
Objectives of the Beema Sakhi Scheme
-
Empower Women: Equip women with income-generating skills and opportunities.
-
Promote Financial Inclusion: Extend insurance services to unbanked and uninsured populations.
-
Enhance Insurance Penetration: Bring LIC policies to rural and semi-urban households.
-
Boost Local Employment: Generate sustainable employment in low-income regions.
Key Features of the Scheme
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Exclusive for women aged 18 to 70 years.
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Minimum educational qualification: 10th pass.
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One-year stipend-based training with free certification.
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LIC Agent code issuance and access to marketing tools.
-
Preference for applicants from rural/semi-urban regions.
Training Structure and Stipend Details
Women selected under the scheme undergo a comprehensive 12-month training program divided into three key phases, all of which are supported with a monthly stipend of ₹5,000 to ₹7,000.
Phase |
Duration |
Stipend (Monthly ₹) |
Total ₹ |
|---|---|---|---|
Basic Training |
3 months |
5,000 – 7,000 |
15,000 – 21,000 |
Advanced Training |
6 months |
5,000 – 7,000 |
30,000 – 42,000 |
On-field Training |
3 months |
5,000 – 7,000 |
15,000 – 21,000 |
Total |
12 months |
60,000 – 84,000 |
Curriculum: Core Training Modules
Module |
Duration |
Focus Area |
|---|---|---|
Insurance Basics |
2 weeks |
LIC products, policy terms, basic insurance |
Financial Literacy |
2 weeks |
Banking, savings, and investment concepts |
Sales Techniques |
3 weeks |
Customer interaction, policy pitching |
Digital Tools Usage |
2 weeks |
Using apps, policy management portals |
Regulatory Compliance |
1 week |
Legal requirements, ethical sales practices |
Practical Field Work |
2 weeks |
Real-time customer engagement experience |
Upon completion, participants receive:
-
Beema Sakhi Certification
-
LIC Agent Code
-
Digital marketing toolkit
-
Support from LIC mentors
Income and Career Growth Potential
The Beema Sakhi Scheme is structured to offer both short-term stipends and long-term income through commissions and incentives.
Year |
Stipend (₹) |
Commission (₹) |
Incentives (₹) |
Total Income (₹) |
|---|---|---|---|---|
Year 1 |
60,000 |
25,000 |
8,000 |
93,000 |
Year 2 |
48,000 |
35,000 |
12,000 |
95,000 |
Year 3 |
24,000 |
45,000 |
15,000 |
84,000 |
Total |
1,32,000 |
1,05,000 |
35,000 |
2,72,000 |
Performance Targets for Continuity
To continue receiving stipends and grow within the LIC framework, Beema Sakhis must meet yearly performance benchmarks.
Target |
Year 1 |
Year 2 |
Year 3 |
|---|---|---|---|
Policies to Sell |
50 |
75 |
100 |
Retention Rate |
65% |
70% |
75% |
Premium Collection (₹) |
2,00,000 |
3,00,000 |
4,00,000 |
Customer Satisfaction |
80% |
85% |
90% |
Eligibility Criteria
Criterion |
Requirement |
|---|---|
Gender |
Female only |
Age |
18 to 70 years |
Education |
Minimum 10th pass |
Residence |
Preference to rural/semi-urban |
Employment |
Not a current LIC employee or agent |
Exclusion:
-
Existing LIC agents and their families
-
Current LIC employees and their relatives
-
Participants in similar government schemes
-
Individuals with criminal backgrounds
Application Process
Online Mode
-
Visit https://licindia.in
-
Navigate to the Beema Sakhi registration section.
-
Fill the form and upload documents (Aadhaar, bank details, education proof).
-
Submit and save the application reference number.
Offline Mode
Step |
Action |
Location |
|---|---|---|
1 |
Collect application form |
LIC branch or CSC |
2 |
Fill with required documents |
Panchayat/CSC office |
3 |
Submit and receive acknowledgment |
Same office |
Documents Needed:
-
Aadhaar card
-
10th pass certificate
-
Age and address proof
-
Passport-sized photos
-
Bank account details
Career Progression
Position |
Experience |
Key Responsibilities |
|---|---|---|
Beema Sakhi |
0–1 year |
Customer acquisition, policy sales |
Senior Beema Sakhi |
1–3 years |
Training juniors, achieving targets |
Development Officer |
3–5 years |
Managing regional performance |
Branch Manager |
5+ years |
Overall LIC operations in assigned area |
Support and Resources
Beema Sakhis receive ongoing assistance from LIC:
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Access to mobile applications
-
Refresher courses and mentorship
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Promotional materials and branding tools
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Helpline for policy and technical queries
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Feedback-based performance reviews
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Dedicated grievance redressal system
Community and National Impact
Individual Impact
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Self-employment and stable income
-
Improved financial literacy
-
Respect and identity in community
Community Benefits
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Enhanced insurance access
-
Increased awareness of financial products
-
Boost to local economies
National Alignment
-
Supports Sustainable Development Goals (Gender Equality, Decent Work)
-
Reduces rural-urban income disparity
-
Strengthens financial inclusion agenda
For more information and updates, visit the official LIC website: https://licindia.in
Frequently Asked Questions (FAQs)
Q1: What is the minimum monthly earning potential as a Beema Sakhi?
A: ₹15,000–20,000 through stipends, commissions, and incentives.
Q2: Is training free?
A: Yes, all training is free and includes a stipend during the period.
Q3: Can women from urban areas apply?
A: Yes, but preference is given to rural and semi-urban applicants.
Q4: What happens after the stipend ends?
A: Beema Sakhis continue as LIC agents and earn commission-based income.
Q5: Where can I apply for the scheme?
A: You can apply via https://licindia.in or at your nearest LIC branch or CSC center.
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