🟣 FAQ – LIC Sakthi Yojana (Bima Sakhi Scheme) for Women Empowerment
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| FAQ – LIC Sakthi Yojana (Bima Sakhi Scheme) for Women Empowerment and Financial Security |
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1. What is LIC Sakthi Yojana?
LIC Sakthi Yojana, also known as Bima Sakhi Yojana, is a special program by the Life Insurance Corporation of India (LIC) to empower women by offering them financial independence and career opportunities as insurance advisors.
2. Who can apply for LIC Sakthi Yojana?
Any Indian woman aged between 18 and 70 years who has passed at least 10th standard can apply.
However, the program is not open to existing LIC agents or close relatives of LIC employees.
3. Is LIC Sakthi Yojana a government scheme?
No, it’s not a government scheme. It is an initiative launched by LIC, a government-owned corporation, to increase insurance awareness and women’s participation in financial services.
4. What are the main objectives of the LIC Sakthi Yojana?
The scheme aims to:
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Provide employment and income opportunities to women.
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Spread insurance awareness in rural and semi-urban areas.
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Encourage financial literacy and independence among women.
5. How much stipend is given to women under this scheme?
The monthly stipend depends on the year of service and performance:
| Year | Monthly Stipend | Condition |
|---|---|---|
| 1st Year | ₹7,000 | Basic performance |
| 2nd Year | ₹6,000 | 65% policy retention |
| 3rd Year | ₹5,000 | 65% policy retention |
In addition, women also earn commissions on policy sales, increasing their total income.
6. How long is the stipend given?
The stipend is provided for the first three years only. After that, the woman can continue working as a LIC Agent, earning commissions and bonuses based on performance.
7. Do women get any training before starting work?
Yes. LIC provides free training programs on:
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Insurance basics
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Customer handling
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Digital tools
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Communication and marketing skills
This helps new Bima Sakhis gain confidence and practical knowledge.
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8. What kind of work does a Bima Sakhi do?
A Bima Sakhi acts as a local insurance advisor. Her role includes:
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Educating people about LIC policies.
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Helping families select suitable plans.
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Managing policy renewals and claims.
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Encouraging financial planning and savings.
9. Can women work part-time under this scheme?
✅ Yes.
LIC Sakthi Yojana allows flexible working hours. Women can work part-time or full-time depending on their personal and family responsibilities.
10. Is there any investment or joining fee?
No, there is no joining fee or investment required. However, women must attend LIC’s mandatory training sessions and meet minimum performance criteria to qualify for the stipend.
11. How to apply for LIC Sakthi Yojana?
Follow these steps:
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Visit your nearest LIC branch office.
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Ask for the Bima Sakhi Yojana application form.
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Fill it with correct personal details and attach documents.
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Attend the interview and training session.
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Start working as a Bima Sakhi after approval.
12. What documents are required for the application?
You’ll need:
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Aadhaar Card or valid ID proof
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Address proof (like Voter ID or bill)
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Educational certificate (10th pass)
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Bank account details
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Passport-size photographs
13. Can women from rural areas join this program?
Absolutely ✅
LIC Sakthi Yojana focuses mainly on rural and semi-urban women, ensuring at least one Bima Sakhi per Gram Panchayat to expand insurance awareness in villages.
14. What are the career growth options after the 3-year period?
After three years:
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You can become a permanent LIC Agent.
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Earn full commissions, incentives, and bonuses.
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Apply for Development Officer positions in LIC (based on performance and education).
15. Why is LIC Sakthi Yojana important for women’s empowerment?
It empowers women by:
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Providing financial independence and steady income.
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Building confidence and communication skills.
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Creating leadership roles in local communities.
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Encouraging a savings and insurance culture in rural India.
This scheme transforms women into financial leaders and helps them contribute to national growth.
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LIC Sakthi Yojana is more than an income source — it’s a platform for women to learn, grow, and lead.
If you want to earn, educate, and empower, join the LIC Sakthi Yojana today and become the Bima Sakhi of your community.
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