If you are a 10th-pass woman looking for a stable income in 2026, the LIC Bima Sakhi Yojana (also known as the Mahila Career Agent Scheme) is the biggest opportunity on your radar right now. Launched to empower women in both rural and urban areas, this scheme isn’t just about selling insurance—it’s about a guaranteed financial backup while you learn.
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What is the Bima Sakhi Stipend?
Unlike regular LIC agents who only earn commissions, a Bima Sakhi gets a fixed monthly stipend for the first three years to help them get started:
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Year 1: ₹7,000 per month (₹84,000 annually)
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Year 2: ₹6,000 per month
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Year 3: ₹5,000 per month
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Plus: You keep all the commissions and bonuses from the policies you sell!
Are You Eligible for the 2026 Batch?
The requirements are simple, but the “Relationship Rule” is where most people get rejected:
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Gender: Only women can apply.
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Education: Minimum 10th Class Pass.
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Age: 18 to 70 years.
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The “No-Go” Rule: If your husband, child, or parent is already an LIC agent or employee, you cannot apply for the Bima Sakhi scheme.
How to Apply Online (Step-by-Step)
Don’t fall for fake links. Here is the official 2026 process:
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Visit the Portal: Go to the official licindia.in portal.
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Basic Details: Fill out the Mahila Career Agent (MCA) application form.
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Document Upload: You’ll need your Aadhaar, PAN, 10th Marksheet, and a Cancelled Cheque.
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The Fee: You need to pay a total of ₹750 (₹150 for LIC registration + ₹600 for the IRDAI exam fee).
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Training & Exam: Once registered, you’ll undergo training and must pass the IC-38 Exam. Don’t worry—it’s a basic test on insurance rules.
🔍 Insider Tips for May 2026
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Commission Target: To keep receiving your stipend, you must complete at least 24 “lives” (policies) in your first year.
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Rural Advantage: LIC is currently prioritizing women from rural blocks to meet their 2026 “Financial Inclusion” targets. If you are from a village, your application is likely to be processed faster.
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E-KYC Update: Make sure your Aadhaar is linked to your current mobile number, as the entire registration and exam process is now OTP-based.