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Any Indian Resident aged 18 or above, who has completed at least 10th standard, can become a POSP (Point of Sales Person) agent. To qualify, one must complete the IRDAI-mandated 15-hour training and pass the certification exam with the basic KYC documents like PAN, Aadhaar and bank details.






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A POSP (Point of Salesperson) is a certified insurance representative authorized to sell pre-approved insurance products directly to customers. POSPs can sell policies such as life, health, motor, travel, and home insurance, while enjoying flexible working hours and zero upfront investment.
To become a POSP, you must:
• Be an Indian resident
• Be 18 years or older
• Have completed Class 10 or higher
• Possess a valid Aadhaar Card and PAN Card
• Have an active bank account (cancelled cheque or 6-month bank statement)
• Be associated exclusively with one insurance company or authorized partner
You’ll need to submit the following self-attested documents:
• Class 10 (or higher) educational certificate
• PAN Card and Aadhaar Card (front & back)
• Cancelled cheque with printed name
• Recent passport-size photograph
Yes. Since commissions are subject to TDS (Tax Deducted at Source), your PAN card and bank account must belong to the same individual.
Yes. As per IRDAI guidelines, every POSP must complete a 15-hour mandatory training program, which covers:
• Insurance fundamentals
• Types of insurance products
• Policy issuance and servicing
• Claims process
• Ethics, conduct, and compliance norms
Follow these simple steps:
1. Register through an authorized partner such as TVS Insurance
2. Complete the 15-hour POSP training (online/offline)
3. Pass the IRDAI-mandated certification exam
4. Receive your POSP e-certificate and start selling insurance
You can start selling insurance immediately after passing the certification exam and receiving your POSP certificate.
POSP agents can sell Pre-underwritten insurance products, including:
• Health Insurance
• Motor Insurance
• Life Insurance
• Home Insurance
• Travel Insurance and more
There's no fixed salary POSPs earn through commissions on each policy sold.
Your income depends on your effort, network, and sales performance. Experienced POSPs are earning ₹1 lakh+ per month.
POSPs earn industry-standard, competitive commission rates, which vary based on:
• Insurance product type
• Insurance company
• Premium amount
When you join through TVS Insurance, you get:
• A dedicated Relationship Manager
• Onboarding and training support
• Assistance with customer queries
• Help with claims and policy servicing
• Beyond all these the Brand Advantage
Generally, individuals can register as POSP agents up to 65 years of age.
TVS Insurance will issue the IRDAI-governed POSP certification for all POSPs.