Introduction
Are you planning to start your career in the insurance sector as a POSP (Point of Sales Person) in 2025? Whether you’re a student, working professional, homemaker, or retiree, becoming a POSP is one of the easiest and most flexible ways to enter the insurance industry. But before you start selling policies, there’s one essential requirement: clearing the IRDAI POSP exam.
To help you succeed, understanding the IRDAI POSP exam syllabus is crucial. In this article, we’ll walk you through the 2025 syllabus, eligibility, registration process, and exam pattern—all in simple terms tailored for beginners. If you’re wondering what to study and how to prepare, this is your complete guide.
What Is a POSP (Point of Sales Person)?
A POSP is an individual certified by the Insurance Regulatory and Development Authority of India (IRDAI) to sell specific insurance products through online platforms or insurance companies. POSPs are authorized to sell:
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Health Insurance
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Motor Insurance
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Life Insurance (Term Plans only)
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Personal Accident Insurance
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Travel Insurance
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And other simple insurance products
Unlike traditional agents, POSPs can sell policies from multiple insurers and often work digitally through platforms like Policybazaar, Turtlemint, RenewBuy, Ditto, etc.
Why Choose the POSP Route?
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Low entry barrier – Only 10th pass required
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Quick certification – Just 15 hours of training
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No physical office needed – Work online or from home
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Flexible working hours – Part-time, full-time, or freelance
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High income potential – Earn commissions on each policy sold
All this starts with one key step: understanding the IRDAI POSP exam syllabus.
IRDAI POSP Exam Syllabus 2025 – Overview
The syllabus is designed to provide a basic understanding of insurance principles, products, regulations, and customer handling. The goal is to prepare you to responsibly and confidently sell simple retail insurance policies.
The training and exam are typically conducted online through IRDAI-approved platforms. Here’s a detailed breakdown:
1. Basics of Insurance
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What is insurance?
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Importance and purpose of insurance
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Types of risks
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Insurable vs. non-insurable risks
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Principles of insurance (Utmost Good Faith, Insurable Interest, Indemnity, Contribution, Subrogation, Proximate Cause)
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Overview of insurance contracts
2. Types of Insurance Products
Health Insurance
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Individual and family floater plans
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Coverage of pre-existing diseases
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Waiting periods
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Claim process
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Cashless and reimbursement models
Motor Insurance
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Third-party insurance
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Comprehensive insurance
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Add-ons like zero depreciation, roadside assistance
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Claim filing and surveyor process
Life Insurance (Term Plans)
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Term insurance basics
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Policy tenure and sum assured
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Nominee and death claim process
Travel & Personal Accident
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Scope of travel insurance
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Accidental death and disability cover
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Hospitalization benefits during travel
3. Regulatory and Legal Framework
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Role of IRDAI (Insurance Regulatory and Development Authority of India)
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Code of conduct for POSPs
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Rights and responsibilities of insurance buyers
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Data privacy and confidentiality
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Anti-money laundering (AML) basics
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KYC norms and documentation
4. POSP Responsibilities and Ethics
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Understanding your role as a POSP
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Ethical selling practices
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Handling objections and grievances
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Mis-selling consequences
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Disclosures to be made to customers
5. Customer Service and Communication Skills
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How to approach and engage customers
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Identifying customer needs
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Recommending suitable products
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Explaining policy terms and conditions
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After-sales support and claim assistance
6. Digital Sales and Technology Platforms
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Overview of POSP portals
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Online policy issuance
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Digital KYC and e-signature process
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CRM (Customer Relationship Management) basics
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Tracking renewals and commissions
Note: The syllabus is designed to be simple, practical, and beginner-friendly.
POSP Training and Exam Format
Duration of Training
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15 hours of mandatory training
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Can be completed online at your own pace
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Includes reading material, videos, and quizzes
Mode of Exam
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Online multiple-choice test
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Conducted at the end of training
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No negative marking
Exam Structure (Typical Pattern):
| Basics of Insurance | 5–8 | 10–15% |
| Insurance Products (Health, etc.) | 10–12 | 30–35% |
| Regulations and Ethics | 5–6 | 15–20% |
| Customer Handling | 4–5 | 10–15% |
| Technology/Digital Sales | 3–5 | 10–15% |
| Total | 25–30 Questions | 100% |
Passing Criteria
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Typically 70% or higher
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Instant result upon exam completion
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Certificate issued immediately after passing
How to Register for the POSP Exam in 2025
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Choose a POSP platform or insurer (e.g., Policybazaar, Turtlemint, etc.)
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Fill out the online registration form
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Upload KYC documents (PAN, Aadhaar, photo)
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Complete the 15-hour online training
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Take the online exam
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Receive your POSP Certificate and login credentials
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Start selling insurance policies online!
Who Can Become a POSP?
Literally anyone who meets the following criteria:
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Indian citizen
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Minimum age: 18 years
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Minimum education: 10th standard pass
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Basic digital skills (smartphone/laptop use)
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Valid PAN and Aadhaar
This makes it ideal for:
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College students
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Housewives
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Working professionals (part-time)
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Retirees
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Insurance beginners
Earning Potential After POSP Certification
As a certified POSP, you earn commissions on every policy you sell. Here’s what to expect:
| Health Insurance | 15% – 25% |
| Motor Insurance | 10% – 20% |
| Term Life Plans | 15% – 30% |
| Travel/PA Plans | 10% – 15% |
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You also earn renewal commissions on long-term policies.
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Top POSPs earn ₹30,000 to ₹1 lakh/month depending on effort and performance.
Tips to Prepare for the POSP Exam
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Read the training modules carefully
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Watch explainer videos (usually part of training)
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Take notes on product features and IRDAI regulations
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Use practice tests if available
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Clarify doubts with platform mentors or coordinators
FAQs – IRDAI POSP Exam Syllabus 2025
1. Is the IRDAI POSP exam tough?
No. It’s beginner-friendly and designed to test your understanding of basic insurance knowledge.
2. Can I take the exam from my phone?
Yes. Most platforms allow you to complete training and take the exam from your smartphone or laptop.
3. What happens if I fail the exam?
You may be allowed to retake the exam after revisiting the training modules (check with your platform).
4. Do I need to renew my POSP license every year?
Yes, most platforms require annual refresher training to keep your certification active and compliant.
5. Can I sell policies from multiple companies?
Yes! As a POSP, you’re allowed to sell policies from multiple insurers via the platform you join.
Conclusion
The IRDAI POSP exam syllabus 2025 is designed to make the process of entering the insurance industry easy, ethical, and efficient. With just 15 hours of training, a simple online exam, and the right attitude, you can begin a rewarding career in insurance—on your terms.
Whether you’re looking to earn extra income, switch careers, or become financially independent, starting as a POSP is the first step. So, choose your platform, complete the training, and clear the exam confidently.
Ready to become a POSP in 2025? Your journey starts now!
