Protection Service

Insurance Services

Sell motor, health, life and travel insurance from your shop — with quotes from multiple top insurers, instant policy issuance, and one of the highest commission slabs in the Sarthi network.

Multi-Insurer

Compare & Choose

Instant

Policy Issuance

POSP Ready

IRDAI Certified

Become an Agent How It Works

Two-Wheeler Insurance Demo — Sarthi Agent

Comprehensive Cover

Demo Insurer Co. Ltd.

POL•••2024•7841 Active

Vehicle 2-Wheeler · 110cc

RC Number GJ•• AB ••32

Validity 1 Year

Premium ₹ 1,250

Status Issued

Agent Commission + ₹ 175.00

What We Offer

Protection Made Easy & Affordable

Help your community insure what matters — their vehicle, their health, their family’s future — while building one of your highest-margin revenue streams.

Insurance is one of the most under-penetrated yet most-needed financial products in India. Most households still don’t have proper health cover, term insurance or up-to-date motor policies. Walking 5 km to the nearest agent or navigating a confusing website keeps them away — until you make it simple.

Through Sarthi’s insurance platform, your shop becomes a multi-insurer comparison desk. You get live quotes from top insurers in seconds, help the customer pick the best plan for their budget, and issue the policy instantly — right at the counter, with the policy PDF emailed to them on the spot.

Insurance has the highest commission slab in the Sarthi network — often 10% to 30% of the premium — making it the most profitable single transaction you can do at your shop. And once a customer trusts you with their first policy, they’ll come back every year for renewal.

Insurance Types

Cover for Every Need

From a basic two-wheeler policy to comprehensive health and term cover — offer the full insurance bouquet from one app.

Two-Wheeler & Car Insurance

Mandatory vehicle insurance for every bike, scooter and car — the highest-volume insurance category. Sell new policies and renewals with multi-insurer quotes.

Third-Party Comprehensive Renewal

Health Insurance

Individual and family-floater health cover from leading health insurers. Hospitalization, day-care, OPD, critical illness and senior-citizen plans available.

Individual Family Floater Senior Citizen

Life & Term Insurance

Pure-protection term plans, endowment policies and personal accident cover. Help families secure their financial future at extremely affordable premiums.

Term Plan Endowment PA Cover

Travel & Misc Insurance

Domestic and international travel insurance, shop / fire policies, and emerging covers like cyber insurance and pet insurance — for every customer’s unique need.

Domestic International Shop / Fire

Top Insurance Partners

Get live quotes and instant policy issuance from leading IRDAI-registered insurers.

Bajaj Allianz HDFC Ergo ICICI Lombard Tata AIG Reliance General Star Health Care Health New India Assurance Future Generali SBI General

How It Works

From Quote to Policy in 5 Steps

Issue an insurance policy in under 5 minutes — everything happens digitally inside the agent app.

Pick Insurance Type

Choose motor, health, life or travel inside the Sarthi agent app.

Enter Details

Capture customer info, vehicle / health / age details and any prior policy.

Compare Quotes

Live premium quotes from multiple insurers shown side-by-side. Pick the best fit.

Pay Premium

Collect cash from customer; pay premium directly to the insurer through the app.

Policy Issued

Soft copy emailed to the customer instantly. Hard copy follows by post if applicable.

Why Insurance

The Highest Commission Service

Every insurance policy is a high-value advisory transaction. Customers pay you well for guidance — and once they buy, they renew every year.

Highest commission slab on the Sarthi network — up to 30% of premium
Annual renewal cycle — same customer comes back every year
Live quotes from 10+ top insurers — you become the comparison desk
POSP certification arranged through Sarthi — no upfront effort
Builds you as the “trusted financial advisor” of your area
Cross-sell ready — insurance customers often need PAN, loan, DMT

Earning Potential

Earn ₹150–₹3,000 Per Policy

An active agent issuing 3–5 policies a day combines high-margin sales with recurring annual renewals — one of the most profitable streams on the Sarthi platform.

10–30%

Of Premium

5 min

Per Policy

Annual

Renewals

No Cap

Daily Sales

Get Started

What You Need to Sell Insurance

The same Sarthi onboarding kit, plus IRDAI POSP certification — arranged for you as part of activation.

PAN Card

For tax compliance and KYC verification of the agent.

Aadhaar Card

For agent identity proof and POSP application e-KYC.

10th Marksheet

Minimum education proof required by IRDAI for POSP certification.

Shop Proof

GST, Udyam, Gumasta or any registered shop document.

Bank Account

A current or savings account for monthly commission settlement.

Smartphone or Laptop

For comparing quotes, capturing details and issuing policies digitally.

Authorized Through IRDAI POSP Partner Insurers Free Training

FAQs

Frequently Asked Questions

Common questions about offering insurance services through your Sarthi shop.

What is POSP and do I need to be POSP-certified?

POSP (Point of Sale Person) is the IRDAI’s authorized retail-channel certification for individuals to sell specific insurance products. To sell insurance through Sarthi, you do need POSP certification — but Sarthi arranges the entire process: free online training, exam scheduling and certificate issuance. Most agents complete it in under a week.

Which types of insurance can I sell?

With Sarthi POSP, you can sell motor (two-wheeler & car), health (individual & family floater), term life, personal accident, and travel insurance. POSP-certified agents are eligible for the simpler retail products. More complex products like ULIPs require a higher-tier IRDAI license, which Sarthi can also help you pursue once you’re experienced.

How is the commission calculated and paid?

Commission is a percentage of the premium, set by IRDAI and the insurer — typically 10–15% for motor, 15–25% for health, and 25–35% for term/life (first year). Renewal commissions are smaller but recurring. Earnings are credited to your bank account on a monthly settlement cycle.

How fast is the policy issued after payment?

For motor and travel insurance, the policy PDF is generated instantly after premium payment. For health and life, instant issuance happens for most cases — some plans may need an additional medical check-up step, depending on age and sum assured.

Can I help customers with claims?

Yes — you can guide customers through the claim filing process, but the actual claim settlement is handled by the insurance company. Sarthi’s support team also helps you and your customers navigate claims when needed. Helping at claim time is one of the strongest trust-builders in this business.

Do customers need to bring any documents?

Yes, depending on insurance type: Motor — RC book, previous policy (if renewal), driving license. Health — ID proof, age proof, basic medical history. Life — ID, address, age, income proof. Travel — passport copy, travel dates. The Sarthi app guides you through the exact list at every step.

What happens at policy renewal time?

The Sarthi app sends you automatic renewal alerts 30, 15 and 7 days before the customer’s policy expires. You can call the customer, do a quick renewal in 2 minutes, and earn the renewal commission — which is one of the most predictable income streams in the platform.

What if a customer wants to compare with a non-partner insurer?

Sarthi’s panel includes most leading IRDAI-registered insurers, but if a customer specifically asks for a non-partner brand, you can let them know it’s outside the platform and they’d need to go directly. New insurers are added to the panel periodically.

Insurance Services

Protection Made Easy & Affordable