PART1: LIC Sakthi Yojana – Empowering Indian Women with Financial Security (Overview, Eligibility & Benefits)
Financial independence is one of the strongest pillars of women’s empowerment. To support this vision, Life Insurance Corporation of India (LIC) has launched an ambitious program — LIC Sakthi Yojana, also known as the LIC Bima Sakhi Yojana.
This initiative provides Indian women with the opportunity to earn a steady income, build financial literacy, and serve as insurance ambassadors in their communities. The scheme focuses especially on rural and semi-urban women who wish to work independently and contribute to their family’s financial wellbeing.
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Sakthi Yojana – Empowering Indian Women with Financial Security (Overview, Eligibility & Benefits) |
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LIC Bima Sakhi Yojana by Life Insurance Corporation of India empowers women with financial independence, steady income, and flexible career opportunities. Learn benefits, eligibility, and how to apply for this women-focused LIC scheme.
🔹 What Is LIC Sakthi (Bima Sakhi) Yojana?
LIC Bima Sakhi Yojana is a women-exclusive career and income opportunity. Under this program, women are trained by LIC to become “Bima Sakhis” — insurance advisors who help local families understand and purchase insurance products.
The key goal is to empower women financially and to spread insurance awareness to every corner of India. LIC plans to recruit over 2 lakh women in the next three years through this scheme.
Core objectives:
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Promote financial independence among women.
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Expand LIC’s reach in rural India.
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Build financial literacy among households.
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Encourage women to become leaders and earn a dignified livelihood.
🔹 Eligibility Criteria
To ensure fair opportunities, LIC has set simple yet clear eligibility conditions:
| Criteria | Details |
|---|---|
| Gender | Only for women candidates |
| Age Limit | 18 to 70 years |
| Education | Minimum 10th Standard pass |
| Exclusions | Not open to existing LIC agents, retired employees, or relatives of LIC staff (spouse, children, siblings, parents, in-laws). |
This ensures that new women entrants — especially from rural and small-town backgrounds — get fresh opportunities without competition from existing LIC staff families.
🔹 Documents Required
To apply, candidates must keep these basic documents ready:
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Aadhaar Card or any valid ID proof
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Educational certificate (Class 10 or above)
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Address proof (Voter ID, Electricity Bill, etc.)
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Passport-size photographs
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Bank details for stipend credit
🔹 Stipend & Income Structure
One of the most attractive features of LIC Sakthi Yojana is its 3-year performance-based stipend, which ensures financial support even during the early months of training.
| Year | Monthly Stipend | Condition |
|---|---|---|
| 1st Year | ₹7,000 | Basic performance requirement |
| 2nd Year | ₹6,000 | Must retain at least 65% of Year-1 policies |
| 3rd Year | ₹5,000 | Must retain 65% of Year-2 policies |
Along with the stipend, women earn sales commissions on every policy sold. This means total earnings can easily go beyond ₹10,000–₹15,000 per month for active performers.
🔹 Career Growth Opportunities
After three years, women can continue as LIC Agents with full commission-based earnings. Graduates and top performers may also qualify for Development Officer posts within LIC.
It’s a perfect example of learn while you earn — women gain business exposure, sales skills, and the confidence to grow financially independent.
🔹 Key Benefits of LIC Sakthi Yojana
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💰 Monthly income assurance – Up to ₹7,000 per month in the first year.
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🏆 Commissions & rewards – Earn on every policy sold, renewals, and long-term bonuses.
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🧠 Training support – LIC provides expert insurance training, digital tools, and sales guidance.
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🌍 Work flexibility – No fixed hours; women can work part-time or full-time from home/local areas.
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🫶 Social recognition – Bima Sakhis become respected figures in their communities.
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👩🏫 Skill development – Improves communication, marketing, and financial literacy.
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🌾 Rural inclusion – At least one Bima Sakhi per Gram Panchayat ensures rural women participation.
🔹 Why This Scheme Matters
This scheme is more than a job opportunity. It is a social movement — one that uplifts women from passive earners to financial leaders.
Through LIC Sakthi Yojana:
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Families get insured and financially secure.
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Women gain stable incomes.
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Villages get educated on financial protection.
It’s a win-win for both social and economic development.
🔹 How to Apply
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Visit your nearest LIC branch office.
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Ask for Bima Sakhi Yojana application form.
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Fill out the form and attach your required documents.
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Attend training and selection sessions.
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Receive your official appointment as a Bima Sakhi and start earning.
LIC Sakthi Yojana is a golden chance for women who dream of financial independence and social recognition. The scheme combines training, monthly stipend, and career growth — giving women both skills and stability.
In the next part, we’ll explore the impact, success stories, challenges, and practical tips to succeed as a LIC Bima Sakhi.
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