calculate POSP Advisor Financial Planner • IRDAI Commission Slabs

POSP Agent Earnings & Revenue Calculator

Model your monthly income, annual commissions, and recurring renewal royalty as an authorized Point of Sale Person (POSP) across Life, Health, Motor, and Commercial insurance lines.

check_circle Direct Bank Credits

check_circle Zero Intermediary Deductions

check_circle Compounding Renewal Royalty

POSP Advisor Revenue Planner

Policy Volume & Payout Projection

IRDAI Approved Slabs

family_restroom Term & Life Policies / Month 4 / mo

0 policies ~₹5,500 avg payout / policy 25 policies

health_and_safety Family Health Policies / Month 6 / mo

0 policies ~₹3,200 avg payout / policy 35 policies

directions_car Motor (Car / Two-Wheeler) / Month 12 / mo

0 policies ~₹1,400 avg payout / policy 50 policies

verified All commission payouts are credited directly by authorized partner insurers into your bank account under official IRDAI POSP regulations. Zero intermediary cut.

Projected Revenue Direct Insurer Payout

Projected Monthly Take-Home ₹58,000 Direct monthly commissions credited

Estimated Year 1 Annual: ₹6.96 Lakh / yr

Year 2 Renewal Passive Royalty: +₹1.58 Lakh / yr

3-Year Cumulative Potential: ₹24.04 Lakh

Zero license fee. 15-hour digital training & mock tests included.

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Direct Bank Credits

Commissions are remitted directly from insurance companies (HDFC Life, Star Health, ICICI Lombard, etc.) directly into your bank account with complete TDS compliance.

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Compounding Renewal Annuity

Health and life insurance policies generate recurring renewal payouts year after year. Your income grows compounded even if you maintain a steady client base.

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Multi-Category POSP License

A single Point of Sale Person (POSP) authorization empowers you to distribute Term Life, Comprehensive Health, Motor (Car & Two-Wheeler), and SME Commercial policies.

IRDAI-Approved Commission Guidelines & Slabs

Indicative industry commissions payable directly by accredited insurance partners.

Updated for FY 2026-27

Insurance Product Category	First-Year Commission Slab	Renewal Commission Slab	Payout Frequency
Term Life Insurance (Pure Protection)	25% - 40% of 1st Yr Premium	5% - 7.5% per renewal	Fortnightly / Monthly
Retail Health Insurance (Individual & Floater)	15% - 20% of Premium	15% recurring every year	Weekly / Monthly
Motor Insurance (Own Damage Comprehensive)	15% - 19.5% of OD Premium	15% upon renewal	Instant / Weekly
Commercial & SME Package Policies	10% - 15% of Premium	10% per renewal	Monthly Payout

Frequently Asked Questions on POSP Earnings

Clear answers regarding commission crediting, targets, and renewals.

How and when are POSP commissions credited?

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Are there any monthly sales targets or minimum quotas?

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Can I work as a POSP while having a full-time job or business?

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Ready to Start Earning?

Get Authorized as a POSP in 48 Hours

Complete your free 15-hour online module, clear the simple IC-38 test, and start distributing policies across 28+ insurance partners.