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+91 9479 382 869LIC Agent Commission & Salary 2025 – Real Income Potential
LIC एजेंसी में income केवल “salary” नहीं होती – यह commission, renewal income और bonus का powerful combination है. यहाँ आप जानेंगे कि एक LIC Agent realistically कितना कमा सकता है – part-time या full-time, दोनों options के साथ.
👇 Start Your LIC Income Journey – Apply NowWhy LIC Agent Income is Different from Normal Jobs
Traditional job में fixed salary होती है. LIC Agency में:
Note: यह page mainly training & recruitment के purpose से बनाया गया है. Exact commission structure अलग-अलग plans और IRDAI/LIC guidelines के अनुसार थोड़ा बदल सकता है.
LIC Agent Commission Structure – Example (Traditional Plan)
| Year | Annual Premium (₹) | Commission % | Commission Amount (₹) |
|---|---|---|---|
| 1st Year | 1,00,000 | 28% | 28,000 |
| 2nd Year | 1,00,000 | 7.5% | 7,500 |
| 3rd Year | 1,00,000 | 7.5% | 7,500 |
| 4th Year | 1,00,000 | 7.5% | 7,500 |
| 5th Year | 1,00,000 | 7.5% | 7,500 |
| 6th Year | 1,00,000 | 5% | 5,000 |
| 7th Year | 1,00,000 | 5% | 5,000 |
| 8th Year | 1,00,000 | 5% | 5,000 |
| 9th Year | 1,00,000 | 5% | 5,000 |
| 10th Year | 1,00,000 | 5% | 5,000 |
| 11th Year | 1,00,000 | 5% | 5,000 |
| 12th Year | 1,00,000 | 5% | 5,000 |
| 13th Year | 1,00,000 | 5% | 5,000 |
| 14th Year | 1,00,000 | 5% | 5,000 |
| 15th Year | 1,00,000 | 5% | 5,000 |
| 16th Year | 1,00,000 | 5% | 5,000 |
| 17th Year | 1,00,000 | 5% | 5,000 |
| 18th Year | 1,00,000 | 5% | 5,000 |
| 19th Year | 1,00,000 | 5% | 5,000 |
| 20th Year | 1,00,000 | 5% | 5,000 |
| Total | 20,00,000 | 118% | 1,18,000 |
यह केवल एक sample traditional policy का example है (₹1,00,000 annual premium). अलग-अलग plans जैसे term insurance, single premium, ULIP, pension वगैरह में commission % अलग हो सकते हैं.
Monthly Business Potential – Part-Time या Full-Time Earnings
नीचे दिया गया chart यह दिखाता है कि अगर आप हर महीने नया business सिर्फ एक निश्चित level तक करें, तो आपकी approximate first-year और renewal income कितनी हो सकती है. (Assumption: औसत traditional plans पर ~28% first-year और ~7.5% renewal commission).
Monthly New Business: ₹10,000
- Annual New Premium: ₹1,20,000
- Approx. First-Year Commission (28%): ₹33,600
- Approx. Renewal Commission / year (7.5%): ₹9,000
- Ideal for: Students, housewives, employees doing LIC as side income
Monthly New Business: ₹25,000
- Annual New Premium: ₹3,00,000
- Approx. First-Year Commission: ₹84,000
- Approx. Renewal Commission / year: ₹22,500
- Target Income: ₹20k–₹40k per month (with renewals & bonus)
Monthly New Business: ₹50,000
- Annual New Premium: ₹6,00,000
- Approx. First-Year Commission: ₹1,68,000
- Approx. Renewal Commission / year: ₹45,000
- Ideal for: Serious full-time agents growing fast in 2–3 years
Monthly New Business: ₹1,00,000
- Annual New Premium: ₹12,00,000
- Approx. First-Year Commission: ₹3,36,000
- Approx. Renewal Commission / year: ₹90,000
- Potential: ₹1 Lakh+ annual renewal in few years + bonuses
Monthly New Business: ₹5,00,000
- Annual New Premium: ₹60,00,000
- Approx. First-Year Commission: ₹16,80,000
- Approx. Renewal Commission / year: ₹4,50,000
- Long-Term Goal: Strong MDRT / COT level production with huge passive income
Important: ये सारे numbers illustrative हैं. Actual income आपके plan mix, persistency, bonus, club membership और LIC/IRDAI rules पर depend करेगी.
Example: ₹50,000 Monthly Business – 20 Years Projection
नीचे दिया गया detailed chart उसी concept पर based है जो आपके poster “MONTHLY BUSINESS: ₹50,000/-” में दिखाया गया है. इसमें हर साल समान नया business (₹6,00,000 annual) माना गया है और cumulatively commission जोड़ी गई है.
| Year | Annual New Premium (₹) | First-Year Commission (₹) | Renewal Commission (₹) | Total Commission (₹) | Cumulative Total (₹) |
|---|---|---|---|---|---|
| 1 | 6,00,000 | 1,68,000 | 0 | 1,68,000 | 1,68,000 |
| 2 | 6,00,000 | 1,68,000 | 45,000 | 2,13,000 | 3,81,000 |
| 3 | 6,00,000 | 1,68,000 | 90,000 | 2,58,000 | 6,39,000 |
| 4 | 6,00,000 | 1,68,000 | 1,35,000 | 3,03,000 | 9,42,000 |
| 5 | 6,00,000 | 1,68,000 | 1,80,000 | 3,48,000 | 12,90,000 |
| 6 | 6,00,000 | 1,68,000 | 2,10,000 | 3,78,000 | 16,68,000 |
| 7 | 6,00,000 | 1,68,000 | 2,40,000 | 4,08,000 | 20,76,000 |
| 8 | 6,00,000 | 1,68,000 | 2,70,000 | 4,38,000 | 25,14,000 |
| 9 | 6,00,000 | 1,68,000 | 3,00,000 | 4,68,000 | 29,82,000 |
| 10 | 6,00,000 | 1,68,000 | 3,30,000 | 4,98,000 | 34,80,000 |
| 11 | 6,00,000 | 1,68,000 | 3,60,000 | 5,28,000 | 40,08,000 |
| 12 | 6,00,000 | 1,68,000 | 3,90,000 | 5,58,000 | 45,66,000 |
| 13 | 6,00,000 | 1,68,000 | 4,20,000 | 5,88,000 | 51,54,000 |
| 14 | 6,00,000 | 1,68,000 | 4,50,000 | 6,18,000 | 57,72,000 |
| 15 | 6,00,000 | 1,68,000 | 4,80,000 | 6,48,000 | 64,20,000 |
| 16 | 6,00,000 | 1,68,000 | 5,10,000 | 6,78,000 | 70,98,000 |
| 17 | 6,00,000 | 1,68,000 | 5,40,000 | 7,08,000 | 78,06,000 |
| 18 | 6,00,000 | 1,68,000 | 5,70,000 | 7,38,000 | 85,44,000 |
| 19 | 6,00,000 | 1,68,000 | 6,00,000 | 7,68,000 | 93,12,000 |
| 20 | 6,00,000 | 1,68,000 | 6,30,000 | 7,98,000 | 1,01,10,000 |
| Total | 1,20,00,000 | 33,60,000 | 67,50,000 | 1,01,10,000 | 1,01,10,000 |
सिर्फ़ ₹50,000 monthly new business से 20 years में ₹1 करोड़ से ज़्यादा total commission की संभावना – यही LIC Agency की असली ताकत है.
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DEVASHISH DAHERIA
Branch Seoni (378), Jabalpur Division, Madhya Pradesh
Serving since 2016 | 100+ Agents Successfully Trained | Mission: 500+ Advisors
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आपका data सुरक्षित है. Devashish Sir या उनकी टीम 24 घंटे के अंदर आपसे संपर्क करेगी.
अब decision आपकी तरफ़ से चाहिए…
अगर आप भी ₹10,000, ₹25,000, ₹50,000 या उससे ज़्यादा monthly LIC commission कमाना चाहते हैं, तो आज ही शुरुआत कीजिए.
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