Description
Course Name: Certificate in Insurance Agent & Claims Advisor
Course Id: CIACAC/Q0101.
Eligibility: 10+2 (Higher Secondary) or equivalent is required.
Objective: The objective of the Certificate in Insurance Agent & Claims Advisor course is to train individuals in the principles and practices of the insurance industry, covering both life and general insurance. The course provides a comprehensive understanding of various insurance products, risk assessment, premium calculation, policy documentation, and regulatory guidelines. It also emphasizes the role of an insurance agent in prospecting clients, explaining policy benefits, assisting in policy selection, and maintaining long-term client relationships.
Duration: Three Months.
How to Enroll and Get Certified in Your Chosen Course:
Step 1: Choose the course you wish to get certified in.
Step 2: Click on the “Enroll Now” button.
Step 3: Proceed with the enrollment process.
Step 4: Enter your billing details and continue to course fee payment.
Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.
Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.
Step 7: Once you complete the course, take the online examination.
Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.
Step 9: After certification, you will be offered job opportunities aligned with your area of interest.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
| Marking System: | ||||||
| S.No. | No. of Questions | Marks Each Question | Total Marks | |||
| 1 | 10 | 5 | 50 | |||
| 2 | 5 | 4 | 20 | |||
| 3 | 5 | 3 | 15 | |||
| 4 | 5 | 2 | 10 | |||
| 5 | 5 | 1 | 5 | |||
| 30 | 100 | |||||
| How Students will be Graded: | ||||||
| S.No. | Marks | Grade | ||||
| 1 | 91-100 | O (Outstanding) | ||||
| 2 | 81-90 | A+ (Excellent) | ||||
| 3 | 71-80 | A (Very Good) | ||||
| 4 | 61-70 | B (Good) | ||||
| 5 | 51-60 | C (Average) | ||||
| 6 | 40-50 | P (Pass) | ||||
| 7 | 0-40 | F (Fail) | ||||
Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:
Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.
Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.
Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.
Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.
Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.
Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.
Syllabus:
Module 1: Fundamentals of Insurance: Principles of insurance, Types of insurance (life, health, general), Key insurance terms, Role of insurance in financial planning, Risk and premium, Insurance underwriting basics, Structure of insurance companies, Role of IRDAI, Insurance vs assurance, Insurance industry in India.
Module 2: IRDAI Rules and Licensing Process: IRDAI functions and regulations, Eligibility criteria for agents, Licensing procedure and exam, Code of conduct for agents, Renewal and cancellation of license, Ethics and compliance, Commission structure and benefits, Obligations of insurance agents, Anti-money laundering provisions, Recordkeeping and documentation.
Module 3: Life and Health Insurance Products: Types of life insurance (term, endowment, ULIP, etc.), Riders and add-ons, Health insurance policies (individual/family), Group insurance plans, Policy features and exclusions, Claims procedure overview, Pre-authorization and network hospitals, Medical underwriting, Comparison tools and policy customization, Grievance redressal mechanism.
Module 4: General Insurance & Claims Handling:: Types of general insurance (motor, travel, fire, marine), Key documents in general insurance, Intimation and filing of claims, Claim settlement process, Role of surveyors and loss assessors, TAT and service levels, Fraud detection and reporting, Customer communication, Third-party administrators (TPA), Dispute resolution process.
Module 5: Sales Skills and Customer Acquisition: Prospecting and lead generation, Customer profiling and segmentation, Product recommendation techniques, Policy presentations and proposals, Objection handling, Cross-selling and upselling, Communication and interpersonal skills, CRM tools and digital selling, Follow-up and retention strategies, Building long-term client relationships.
Module 6: Digital Insurance Tools & Emerging Trends: Use of online aggregator platforms, Policy issuance and tracking tools, Digital KYC and onboarding, Mobile apps for agents, AI and data analytics in insurance, Telemarketing and chatbot support, Cyber security in insurance, InsurTech innovations, Role of social media in customer outreach, Future of insurance careers.
🛡️ Career Opportunities After Certificate in Insurance Agent & Claims Advisor (India)
This certificate prepares individuals for a dual-role career in the insurance sector — as Insurance Sales Agents and Claims Advisors — with knowledge in policy types, regulatory compliance (IRDAI norms), customer support, claims processing, and risk analysis.
🔑 Top Career Roles with Descriptions & Salary Range
| Job Role | Key Responsibilities | Salary Range (INR/month) |
|---|---|---|
| Insurance Agent (Life/General Insurance) | Sell insurance policies, prospect clients, policy servicing | ₹10,000 – ₹25,000 (fixed) + incentives |
| Claims Advisor / Claims Assistant | Assist customers in filing, processing, and settling claims | ₹15,000 – ₹30,000 |
| Customer Service Executive (Insurance BPO/KPO) | Handle queries, resolve complaints, assist with claims/policy info | ₹12,000 – ₹25,000 |
| Policy Servicing Executive | Update policy details, handle renewals, assist in documentation | ₹15,000 – ₹25,000 |
| Insurance Sales Executive (Bancassurance/Agency) | Sell insurance through bank tie-ups or field sales | ₹12,000 – ₹30,000 (plus incentives) |
| Telecaller / Tele Sales Executive (Insurance Process) | Telephonic policy promotion, lead conversion, customer support | ₹10,000 – ₹22,000 + incentives |
| Claims Processing Officer | Evaluate insurance claims, fraud detection, documentation | ₹20,000 – ₹35,000 |
| Field Executive (Claims Survey) | Field verification for claims, prepare reports, assist in settlements | ₹15,000 – ₹30,000 |
| Insurance Advisor (Freelance/Commission-Based) | Work independently to sell policies from multiple insurers | Commission-based (₹10,000 – ₹1,00,000+/month depending on sales) |
| MIS Executive (Insurance Claims) | Maintain records, generate reports, support claim audit | ₹18,000 – ₹30,000 |
🏢 Top Employment Sectors
-
Life Insurance Companies
-
General Insurance Companies
-
Health Insurance Providers
-
Insurance Brokers & Aggregators
-
Third-Party Administrators (TPAs)
-
Insurance BPO/KPO Firms
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Bancassurance (Banks selling insurance)
-
Corporate Insurance Advisors / Agencies
🏆 Leading Employers in India
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LIC, SBI Life, HDFC Life, ICICI Prudential, Max Life
-
New India Assurance, Oriental Insurance, United India Insurance
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TATA AIG, ICICI Lombard, Bajaj Allianz, HDFC Ergo
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Policybazaar, Coverfox, Turtlemint
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Vidal Health TPA, Medi Assist TPA, Raksha TPA
📈 Career Progression Path
| Stage | Title |
|---|---|
| Entry Level | Insurance Agent / Claims Assistant |
| 1–3 Years | Sales Executive / Claims Processor |
| 3–5 Years | Team Leader / Senior Advisor |
| 5+ Years | Agency Manager / Claims Manager / Area Sales Head |
| 7+ Years | Branch Manager / Regional Claims Officer / Business Development Manager |
💰 Expected Salary Growth (Fixed + Variable)
| Experience | Monthly Salary (INR) |
|---|---|
| Entry (0–1 years) | ₹10,000 – ₹25,000 (plus incentives) |
| Mid-Level (2–5 years) | ₹25,000 – ₹45,000 |
| Senior-Level (5–10 years) | ₹50,000 – ₹80,000 |
| Managerial / Regional Roles | ₹1,00,000 – ₹2,00,000+ (depending on business volume & company) |
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