Become a Certified POSP Insurance Agent in India in 2026
Are you seeking an exciting career in the insurance industry that allows you to assist people in securing their financial future while earning attractive commissions?
Join Roinet’s expanding team of POSP insurance agents. As a POSP agent, you will sell insurance products from multiple insurers, broadening your industry scope. This role promises flexible working hours, an attractive income, and extensive support from Roinet, making it an ideal opportunity.
Who is a POSP?
A POSP (Point of Salesperson) is an insurance agent who can sell specific insurance products.
To become a POSP, you only need the minimum educational qualifications given by the IRDAI and undergo training provided by us. To learn more about how to be a POSP and its benefits, read on.
What can you sell as a POSP?
General insurance products you can offer through Roinet.
- Car InsurancePrivate and commercial cars
- Bike InsuranceTwo-wheeler coverage
- Commercial Vehicle InsuranceFleet and goods vehicles
- Health InsuranceIndividual and family plans
- International Travel InsuranceOverseas trip protection
- Personal Accident CoverageAccidental injury cover
And other general insurance products on Roinet.
Can All Agents Sell Insurance Policies from Multiple Insurers?
Earlier, agents could only sign with one insurance provider, but in 2015, IRDAI introduced the Point-of-Salesperson (POSP) model.
“With this model, the POSP can now contract with a maximum of three insurers, including one life insurer, one standalone health insurer, and one general insurer.”
Recent proposals aim to remove these limits. If passed, agents will have more flexibility to work with multiple insurance companies across categories, transforming distribution in India.
Who Can Become a POSP?
Anyone with a minimum Class 10th or equivalent qualification can become an individual agent. This role is ideal for:
They can start a promising career with growth opportunities.
Their knowledge and contacts can assist them in finding new customers, which can be a fulfilling activity after retirement.
This flexible part-time option allows them to balance work and family while earning an income.
They can grow their business by adding general insurance to the services they already provide to their customers.
It gives you another way to make money and helps you spread out income sources.
Advantages of Becoming a POSP Agent with Roinet
- Become Your Own Boss: Work as per your convenience. You are your own boss!
- No Fixed Timings: You can choose your own working hours and decide whether to work full-time or part-time.
- Work From Home: Use online processes to sell policies and work from home or even anywhere else!
- Only 15 hours of Training: With just 15-hours of training, you can be an insurance expert. We’ll help you learn everything you need to know!
- Earn High Income: Your income depends on the number of policies you issue.
- Zero Investment Required: No need to pay anything when you join. All you need is a smartphone/computer, and an internet connection!
How to become a POSP with Roinet
Four steps from sign-up to certification.
- Sign up
Fill out the POSP form above. Our team will reach out with next steps.
- Complete training
Finish the 15-hour IRDAI-mandated training with Roinet.
- Pass the exam
Complete the prescribed POSP examination.
- Sign and start selling
Sign the agreement and you're certified to sell insurance.
Why Partner with Roinet?
Get a chance to work with a modern insurance distribution platform built for Indian POSPs.
We have a dedicated support team, just for you.
All our processes are online, with no paperwork involved.
No long procedures or tiring paperwork. Issue insurance policies instantly online.
Commissions are settled quickly so your earnings stay on track after policy issuance.
How Much Can You Earn as a POSP Insurance Agent in India?
| Policy Type | Sample Premium | Commission Earned |
|---|---|---|
| Car Insurance | ₹25,000 | ₹3,750 |
| Bike Insurance | ₹15,000 | ₹2,250 |
| Commercial Vehicle Insurance | ₹30,000 | ₹4,500 |
| Health Insurance | ₹20,000 | ₹3,000 |
| Home Insurance | ₹15,000 | ₹2,250 |
| International Travel Insurance | ₹10,000 | ₹1,500 |
Disclaimer: The commission amount mentioned is for illustrative purposes only. You can earn up to 15%* commission for different insurance policies sold. Actual earnings may vary based on terms and conditions.
What are the Mandates of a POSP in India?
In India, a Point of Sale Person (POSP) is licensed to sell insurance products and affiliated with an insurance company. Key mandates include:
- Registration and Training: A POSP must be registered with an insurance company and undergo specific training. The curriculum is designed by IRDAI and focuses on insurance basics, regulatory aspects, product information, and professional ethics.
- Qualification Requirements: As of the last update by IRDAI, a minimum 10th-grade education is required for selling insurance products, whether in Tier 1 or Tier 2 of the city.
- Selling Specific Products: POSPs are authorized to sell specific insurance products that are simple to understand and easy to sell, including selected life, general, and health options.
- Following Guidelines: They must stick to guidelines set by the insurance regulatory body and the company they are with, selling responsibly and making sure customers understand what they are buying.
- Customer Service: Providing after-sales service, including assistance in claim settlement, is a crucial responsibility.
- Compliance with KYC Norms: POSPs need to know who their customers are (KYC). This helps prevent fraud and keeps records straight.
- Continuous Learning: POSPs are encouraged to keep learning about new products, rules, and industry best practices.
What are the Roles of a POSP Agent?
Assess individuals’ financial needs and goals to recommend suitable general insurance policies.
Suggest appropriate products and explain features, benefits, premiums, and terms clearly.
Provide ongoing support, answering queries, assisting with claims, and ensuring clients understand benefits.
Remind clients of renewals, discuss policy performance, and suggest modifications when life circumstances change.
How Much Time Do You Need to Invest as a POSP?
General insurance agents in India can manage their time as they see fit. To start selling, complete mandatory IRDAI training. Many begin part-time while holding another job; successful agents often transition to full-time, focusing on client meetings, policy management, and professional development.
Eligibility Criteria to Become a POSP in India
To become a general insurance agent in India, you must be 18 years old and have completed the 10th grade. You must also complete mandatory training from an IRDAI-approved institution and pass the exam. Good communication skills and a basic understanding of finance and insurance help.
- Education: The applicant must have passed 10th grade.
- Age: The applicant must be at least 18 years old.
- IRDAI Certification: Obtain IRDAI certification after completing mandatory training.
What is the Earning Model of POSP Agents?
Agents earn through commissions set by the insurance firm and are typically profitable in the initial policy years. Top performers may also receive bonuses and rewards for exemplary service and client retention.
Roinet helps you become a certified POSP insurance agent with training, solid support, and competitive commissions, so you can offer personalised services and secure your clients’ futures. Sign up with Roinet and start your journey in general insurance distribution.
FAQs about Becoming a POSP Agent
You must be over 18 years of age, have completed education up to at least Class 10th, and have a valid Aadhaar Card and PAN Card.
For registration you need self-attested copies of: Class 10 or above pass certificate; PAN card; Aadhaar Card (front and back); a cancelled cheque with your name; and a photograph.
Yes. All commissions paid are subject to TDS. TDS is credited to the Income Tax authorities based on your PAN Card.
As soon as you have registered with us, you may begin training for the PoSP exam. After you pass and receive your eCertificate, you are ready to start selling as a PoSP agent.
Yes. You must complete training covering basics of insurance, policy types, issuance and claims processes, rules and regulations, and more.
Roinet partners get platform tools, onboarding guidance, and support for selling and servicing policies. You can also reach our team through your workspace after you join.
POSP agents can sell various types of insurance, including health, motor, travel, and other general insurance products available on the Roinet platform.
A POSP, or Point of Sales Person, sells insurance policies directly to consumers and helps them get personalised attention and suitable cover.
As a POSP you don't get a fixed salary. You earn commissions. Part-time POSPs can earn around ₹5,000–₹10,000, and full-time POSPs can earn around ₹50,000–₹2,00,000 monthly, depending on performance.
You need to complete a 15-hour certification mandated by IRDAI. After training, you take the exam to get certified.
Insurance agents often guide on customising policies to individual needs. A POSP primarily sells pre-underwritten / simpler insurance products with total protection focus.
Complete the mandatory 15-hour POSP training program directed by IRDAI, pass the exam, and complete onboarding with Roinet.
