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IRDAI IC38 (Insurance Agent) Syllabus
Mandatory IRDAI licensing exam for becoming a certified life or general insurance agent in India.. The complete IRDAI IC38 (Insurance Agent) outline — 6 subjects, 22 chapters and 98 topics — laid out so you can see exactly what has to be covered and tick each item off as you go.
IRDAI IC38 (Insurance Agent) subjects
Each subject below has its own page with the full chapter → topic → sub-topic tree and a set of real exam-style flashcards.
3 chapters · 13 topics · 14 sub-topics
Legal and Regulatory Framework4 chapters · 18 topics · 20 sub-topics
Life Insurance Products and Underwriting4 chapters · 19 topics · 17 sub-topics
General Insurance Products and Practice4 chapters · 16 topics · 9 sub-topics
Health Insurance3 chapters · 14 topics · 8 sub-topics
Insurance Sales, Documentation and Ethics4 chapters · 18 topics · 11 sub-topics
IRDAI IC38 (Insurance Agent) flashcard decks
301 question-and-answer cards across 6 decks, written against this syllabus. Preview any deck free.
How to work through the IRDAI IC38 (Insurance Agent) syllabus
The outline on this page is arranged the way the syllabus itself is: subject, then chapter, then topic, then sub-topic. That last level is what most study plans skip, and it is where coverage actually goes wrong — a chapter marked "done" often has three sub-topics inside it that were never touched.
Weight your plan accordingly: Life Insurance Products and Underwriting carries 19 topics while Introduction to Insurance and Risk Management carries 13. Giving both the same number of weeks is the most common planning mistake for IRDAI IC38 (Insurance Agent).
The ~90 hour estimate above is a first pass only: roughly 45 minutes per topic plus 12 minutes per sub-topic. Revision cycles, past papers and mocks sit on top of that number.
IRDAI IC38 (Insurance Agent) syllabus FAQ
What subjects are in the IRDAI IC38 (Insurance Agent) syllabus?
IRDAI IC38 (Insurance Agent) covers 6 subjects: Introduction to Insurance and Risk Management, Legal and Regulatory Framework, Life Insurance Products and Underwriting, General Insurance Products and Practice, Health Insurance and Insurance Sales, Documentation and Ethics. Together they contain 22 chapters and 98 named topics.
How many topics does the IRDAI IC38 (Insurance Agent) syllabus contain?
The full IRDAI IC38 (Insurance Agent) outline breaks down into 22 chapters, 98 topics and 79 sub-topics. Life Insurance Products and Underwriting is the largest single subject with 19 topics across 4 chapters.
How long does it take to cover the whole IRDAI IC38 (Insurance Agent) syllabus?
Roughly 90 hours for one full pass. That estimate allows about 45 minutes per topic plus 12 minutes per sub-topic, so it is first-pass coverage — revision, past papers and mock tests sit on top of it. At 3 hours a day that is about 4 weeks.
Are there IRDAI IC38 (Insurance Agent) flashcards?
Yes — 301 question-and-answer flashcards across 6 decks, one per subject, written against this syllabus. A sample of every deck is readable on this site for free, and the complete decks are in the Examius app.
Is this IRDAI IC38 (Insurance Agent) syllabus free to use?
Yes. Every page here is free to read, and importing the IRDAI IC38 (Insurance Agent) syllabus into the Examius app to tick off topics as you finish them is free too, in India and everywhere else. No account is needed to start.