This page lists every agent commission chart on HealthNewsReporting in one place: life insurers, general and health insurers, Post Office and PLI, and other agent types like CSC. Pick your company below to see its commission rates, renewal commission and how to become an agent.
How agent commission works in 2026: since the IRDAI (Expenses of Management, including Commission) Regulations, 2024, each insurer’s board approves its own commission policy within an overall expense limit. That is why rates differ between companies and products. For the full rules, read our insurance agent commission guide (IRDAI rules).
How much commission life insurers actually paid (FY26)
Average commission paid as a share of premium, from insurers’ public disclosures:
| Insurer | First-year premium | Renewal premium | Single premium |
|---|---|---|---|
| Tata AIA | 39.2% | 3.2% | 20.01% |
| HDFC Life | 38.7% | 1.6% | 13.87% |
| Axis Max Life | 31.0% | 2.1% | 11.14% |
| ICICI Prudential Life | 25.0% | 2.1% | 15.08% |
| LIC | 22.2% | 5.1% | 0.44% |
| SBI Life | 12.8% | 2.5% | 1.16% |
| Kotak Life | 8.5% | 2.5% | 20.98% |
Source: Cafemutual analysis of FY26 public disclosures. These are company-wide averages, not the rate for one policy.
Post Office & PLI agent commission
Post Office small savings: MPKBY agents earn 4% on Recurring Deposits, and SAS agents earn 0.5% on schemes like TD, MIS, NSC and KVP. PPF and SCSS pay no agent commission (source). PLI: 4%, 10% or 20% of the first-year premium for paying terms up to 15, 15–25 and over 25 years (Endowment, Whole Life and similar plans), then 1% on renewals. RPLI: 10% first year, 2.5% renewal (source).
Life insurance agent commission charts
Also see our LIC Agent Guide for LIC plans and MDRT.
General & health insurance agent commission charts
Commission by insurance type
CSC & other agent commission charts
More guides on this site: LIC Agent Guide · CGHS by City · Government Schemes & Documents