IC-38 General

The Insurance Institute of India administers IC-38 through its IRDAI Examinations section. Registration runs through the Insurance Agents Examination Portal at iiiexams.org, and III also lists approved service providers. III publishes a help manual for insurance agent registration and a separate manual for photo and signature upload - read both before starting, since upload errors are a common cause of rejected applications.

Yes. III issues a Training Completion Certificate for insurance agents after the prescribed online training, and there is a separate help manual covering how to start that training. Register for the training, complete it, then download your TCC from the dedicated page. Treat the TCC as a prerequisite document and keep a copy - you will need it for your licence application as well as the exam.

IC-38 is a computer-based multiple-choice examination delivered online. III publishes model question banks for each candidate category, and those are the best guide to the style and depth of the actual paper. Specific question counts, duration, and the pass mark are set out in III's examination handbook and current notices, so confirm them there rather than relying on secondhand figures.

III maintains a specific notice titled "Grace Passing Marks - IC-38 Examination," published separately for insurance agents, corporate agents, insurance marketing firms, web aggregators, and brokers. Because the pass standard and any grace provision are defined in that notice and the examination handbook, download the current version for your category before you sit the paper.

Use III's revised IC-38 course material for your own category - Insurance Agent, Corporate Agent, Insurance Marketing Firm, or Web Aggregator - plus the matching model question bank. The four tracks are not interchangeable, so a corporate agent candidate should not revise from the individual agent material. III sells hard copy, e-book, and audio book versions through its Study Material section.

Complete the online training first, because the TCC gates your exam registration. Then read the study material chapter by chapter, with emphasis on general insurance principles, fire and marine, motor, health, and IRDAI regulations. Finish with the model question bank under timed conditions, and revisit any chapter where you repeatedly miss questions before booking a slot.

Three recurrences stand out: treating IC-38 as a general-awareness paper and skipping technical chapters such as fire, marine, and liability; studying from outdated or unofficial notes instead of III's revised material; and rushing registration so the photo, signature, or TCC upload fails. Weak spots in claims procedure and regulatory duties also cost marks, so give those topics deliberate revision time.

Licence validity and the retake policy are governed by IRDAI regulations and III's examination rules, not by a single fixed figure published on the IC-38 landing page. Check the current examination handbook and III's regulations page for the retake rules, and consult IRDAI's agent licensing regulations for validity and renewal requirements.

III publishes an online examination schedule and a time table, and maintains a dedicated notice on TAB-based exams fee revision for insurance agents. Fees and dates change, so read those pages directly rather than relying on coaching material. This page is independent study support and does not set, collect, or confirm any fee or date.