Bima Sakhi Yojana: For women in rural areas over 70 years of age who want a respectable job, the Bima Sakhi yojana offers a golden opportunity. In many states, including Uttar Pradesh, the Life Insurance Corporation (LIC)’s “Bima Sakhi Yojana” is providing rural women with such an opportunity.
The government has launched the Bima Sakhi Yojana, guaranteeing a permanent job and a guaranteed salary of 7,000 rupees per month. The government and the Life Insurance Corporation of India (LIC) are jointly implementing this Yojana. This Yojana aims to empower women and spread awareness about insurance and financial security in every village.
“This scheme provides economic independence to women up to 70 years of age and increases insurance awareness in every village.”
What is the Bima Sakhi Yojana?
The Bima Sakhi Yojana is a micro-community agent scheme. Under this scheme, one woman will be selected as an “Bima Sakhi” in every village. These women will inform people in their villages and surrounding areas about LIC insurance schemes, assist them in obtaining policies, and, if necessary, explain the claim process.
The scheme is specifically designed for women associated with Self-Help Groups (SHGs), to provide already organized women with a sustainable source of employment.
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In Uttar Pradesh, CM Yogi Adityanath’s government is rapidly implementing it under the UP State Rural Livelihood Mission. In Baghpat district, 244 Bima Sakhis are being selected for 244 Gram Panchayats. This will benefit 2.70 lakh families, but this is not limited to Uttar Pradesh – Jharkhand, Bihar, and other states are also included.
According to LIC’s official website, licindia.in, the scheme aims to create more than 1 lakh Bima Sakhis by 2025. This empowers women financially and provides insurance coverage to rural India.
Bima Sakhi Yojana Details
| Point | Details |
|---|---|
| Scheme Name | LIC Bima Sakhi Yojana |
| Implemented By | LIC & UP State Rural Livelihoods Mission |
| Eligible Age | 18–70 Years |
| Minimum Qualification | Class 10 Pass |
| Monthly Stipend | ₹7,000 (1st Year) Second year: Rs 6,000, Third year: Rs 5,000 |
| Target Area | One woman per village |
| Objective | Women empowerment & insurance awareness |
Eligibility for Women
Belong to a Women’s Self-Help Group (SHG)
Between 18 and 70 years of age
Minimum Qualification: 10th pass
Not a current or former LIC agent
Willing to work in the village or surrounding area
Fixed stipend for three years
First year: Rs. 7,000 per month
Second year: Rs. 6,000 per month
Third year: Rs. 5,000 per month
| Period | Lives in each month | First Year Commission (Excluding Bonus Commission) in each month |
|---|---|---|
| First 4 months | 1 | Rs.2000/- |
| Next 4 menths | 2 | Rs.4000/- |
| Last 4 months | 3 | Rs.6000/- |
| Total | 24 | Rs.48000/- |
Thus, in three years, a Bima Sakhi receives a total stipend of Rs. 2,16,000. In addition, commission is also earned on policy sales, which further increases the income.
Complete details of stipend and commission
Stipend of Rs. 7,000 per month in the first year, Rs. 6,000 in the second year, and Rs. 5,000 in the third year. However, this depends on performance. The terms are clear:
First 4 months: Sell at least 1 policy per month, earning a commission of ₹2,000.
Next 4 months: 2 policies per month, ₹4,000 commission.
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Following 4 months: 3 policies per month, ₹6,000 commission.
A good Sakhi can earn an additional ₹10,000-₹15,000 per month. Confirm on the licindia.in/lic-s-bima-sakhi page – this is based on policy continuity.
For example: A Sakhi from Baghpat sold 1 policy in the first month, earning ₹2,000 commission + ₹7,000 stipend = ₹9,000. This adds up to over ₹1 lakh in a year. This gives women financial independence.
Training and Support System: How does LIC help?
- All LIC insurance products (Jeevan Amrit, Jeevan Anand, etc.).
- Claim settlement process.
- Customer handling and sales tips.
It provides digital tools – policy tracking, renewal, and claim filing via mobile app. LIC experts assist during field visits. According to vikaspedia.in, over 50,000 women have been trained by 2025. Jharkhand has over 500 Sakhis active on vvsjharkhand.org.in, covering millions of families.
Millions of women benefit from the Bima Sakhi scheme
In a small district like Bagpat, 244 Sakhis are reaching 2.70 lakh households, increasing insurance literacy across the country. 70% of rural families were previously uninsured – this number is now declining. The NRLM report states that the scheme has led to a 30% increase in women’s empowerment.
How to apply for the Bima Sakhi Yojana?
- Visit the LIC website: licindia.in/lic-s-bima-sakhi.
- Click on the ‘Become an Agent’ or ‘Apply as Bima Sakhi’ option on the homepage.
- Now fill in a form with your name, date of birth (18-70 years), mobile number, email ID, address, and other required information.
- If you are related to an LIC agent/employee, provide that information; otherwise, select ‘No’.
- Upload the required self-attested documents, such as your passport-size photo, Aadhaar card, proof of residence, 10th-grade marksheet, and PAN card.
- Enter the captcha code and submit the form and keep the registration number for future reference.
Helpline: LIC 022-68276827 or NRLM Helpline 1800-180-3575. Check website: licindia.in or srlmup.in. New recruitment drive is underway in 2025-26.
This Bina Sakhi scheme has started changing the lives of many women. Neelam Sharma of Achhnera block, Agra became the first successful Bima Sakhi of this scheme. She passed the IRDAI exam, then after completing the training, also completed her first insurance – an insurance amount of Rs 2 lakh.
Conclusion
The LIC Insurance Sakhi Yojana is an excellent initiative for women’s empowerment and self-reliance. This scheme empowers women to earn money, teaches them to stand on their own feet, and creates a distinct identity for them in villages and cities. Through this scheme, one woman in every village will emerge as an “Insurance Sakhi.”
She will educate those around her about insurance, help them, and earn good money for this work. This will have two benefits: women will have a stable source of income, and the benefits of insurance will also reach the poor. If any woman wishes to avail this benefit, she can apply by visiting the official LIC website.
FAQs
Will the Insurance Sakhi job be considered permanent or contract-based?
The appointment of an Insurance Sakhi is not a permanent job like that of a government employee, but it is considered a long-term engagement. As long as the woman meets the set targets and performs well, she is not removed.
If the policy target is not met in a given month, will that month’s salary be deducted?
Yes, this is an important condition. If the minimum policy target is not met within the stipulated period, that month’s stipend may be withheld.
Does the Insurance Sakhi have to invest her own money to purchase the policy?
No, the Insurance Sakhi does not have to invest a single rupee from her own pocket.
Will being a good Sakhi lead to promotions or higher earnings?
Yes, high-performing Insurance Sakhis may later receive opportunities for higher commission models, a larger client base, and other agency roles within LIC. This means that this isn’t just a ₹7,000 job, but also an entry point into a career in the insurance sector.
