Insurance Agent/Advisor

Job Overview

This full-time position as a Sales Executive at Tata AIA Life Insurance focuses on direct field sales and customer engagement. It involves actively meeting prospective clients face-to-face to promote various life insurance products and financial planning solutions.

Core Responsibilities

• Identify and engage potential clients, including high-net-worth individuals and retail customers, using cold calling, referrals, and territory mapping techniques.
• Conduct personalized financial planning meetings to present life insurance options such as ULIPs, savings plans, and term protection.
• Manage the complete sales process from lead qualification through client documentation and premium logging to ensure smooth insurance policy delivery.
• Consistently meet monthly and quarterly targets for New Business Premium (NBP).
• Collaborate with the branch operations team to facilitate policy issuance and monitor renewals.

Mandatory Licensing

Under regulations, all life insurance professionals must earn a license from the Insurance Regulatory and Development Authority of India (IRDAI). To fulfill this, candidates must clear the IRDAI IC-38 examination administered by the Insurance Institute of India. The exam fee is ₹1000 plus GST, which candidates pay upfront and may be reimbursed upon achieving performance targets after 90 days. Preparation materials and training will be provided by Tata AIA branch trainers including mock tests and study modules.

Candidate Profile and Eligibility

• Minimum education requirement is graduation in any discipline. However, well-spoken candidates with 10+2 education and proven experience in insurance or BFSI sales may be considered.
• Experience ranging from 6 months to 3 years in field sales, preferably in life/general insurance, banking CASA, loans, or telecom sectors; fresh candidates with strong communication skills and enthusiasm for sales are also welcome.
• Key skills include negotiation, relationship building, and effective handling of objections.
• Fluency in the local regional language plus functional proficiency in Hindi and English is essential.
• Possession of valid identification and educational documents including Aadhaar, PAN card, and mark sheets is required for application.

Additional Information

This role requires frequent client interaction in the field and is not a desk or back-office position. Candidates must be comfortable working under strict screening criteria and handling monthly sales targets.

The compensation includes uncapped performance incentives which reward achieving or exceeding sales goals.