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Free vs Paid IC 38 Mock Tests: Which One Helps You Clear the Insurance Exam on First Attempt?

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The IC 38 exam is a gateway for individuals aspiring to become licensed insurance agents in India. Whether you're looking to work with LIC, private insurance companies, or as an IRDAIcertified agent, passing the IC 38 is your first step.

Among the most critical resources for success? Mock tests.

But here comes the dilemma — should you opt for free IC 38 mock tests available online, or invest in a paid IC 38 mock test package?

In this comprehensive blog, we’ll explore the difference between free and paid mock tests, what each offers, and which one is best suited for your preparation. We’ll also introduce you to expert-backed insights from real IC 38 aspirants and trainers, helping you make an informed decision.

 

What Is the IC 38 Exam?

The IC 38 Insurance Exam, conducted by the Insurance Regulatory and Development Authority of India (IRDAI), is designed to test your knowledge in:

1. Insurance basics
2. Regulations
3. Market ethics
4. Sales processes

It applies to Life Insurance, General Insurance, and Health Insurance agents.

Exam Structure:

Total Questions: 50

Duration: 60 minutes

Passing Score: 18 marks (35%)

Format: Objective MCQs

Languages Available: English

 

Why Are Mock Tests So Important for the IC 38 Exam?

IC 38 might seem simple at first glance, but mock tests simulate the real exam environment and help you:

1. Understand exam patterns
2. Manage time under pressure
3. Improve your weak topics
4. Gain confidence before the final day

Most successful candidates recommend taking at least 5–10 mock tests to prepare thoroughly.

 

Free IC 38 Mock Tests: Pros and Cons

There are dozens of websites offering free IC 38 mock tests and practice exams in English, Hindi, and regional languages.

Advantages of Free IC 38 Mock Tests

1. Zero Cost: Perfect for aspirants on a tight budget.
2. Quick Practice: Great for getting a feel of the exam style.
3. Easily Accessible: No sign-up or payment needed.

 

Limitations of Free IC 38 Mock Tests

1. Outdated Questions: Most platforms don’t update content as per IRDAI's revised syllabus.
2. Limited Question Bank: Only 15–20 questions per test with no sectional breakdown.
3. No Solutions or Explanations: Makes it hard to learn from mistakes.
4. No Case Studies or Numericals: Lacks practical, real-world scenario-based questions.

If you’re serious about clearing the exam on your first attempt, free tests might not offer sufficient practice.

 

Paid IC 38 Mock Tests: What Do You Get?

Platforms like NISMExams.in offer expert-designed paid IC 38 mock tests that replicate the actual exam experience.

What’s Included in a Paid IC 38 Package?

1. 10 Full-Length Mock Tests (50 questions each)
2. 750–900 Explained Questions
3. Detailed Solutions + Answer Explanations
4. Updated 2025 Syllabus Coverage
5. Supplementary Short Notes & Chapter-Wise Videos
6. 15 Attempts per Mock Test

Pricing

1. Rs. 599 for 15 Days Access
2. 699 for 30 Days Access

Success Rate

1. 98% Passing Guarantee (for users completing all mock tests)
2. 2000+ Students Cleared in First Attempt

 

What the Experts Say?

“Most free mock tests are good for initial exposure. But when it comes to clearing IC 38 in one go, a structured paid program with full mock sets and detailed answers is invaluable.” - Prof. Rohit Kumar Jha, EdTech Mentor & NISMExams.in Founder

“I cleared my LIC agent exam on the first attempt using NISMExams.in paid package. The questions were exactly like the real exam.” — Pankaj Kumar, Delhi (Verified Review)

 

Who Should Use Free IC 38 Mock Tests?

1. Beginners exploring the exam format
2. Students who are not yet committed to the exam date
3. Budget-constrained aspirants needing trial experience

 

Who Should Use Paid IC 38 Mock Tests?

1. Serious candidates planning to appear in next 30–45 days
2. Repeat test-takers who want to ensure success this time
3. Aspirants aiming for maximum score and concept clarity

 

Tips to Maximize IC 38 Mock Test Benefits

1. Take One Mock Test Every 2 Days: Simulate real exam time (60 minutes).

2. Analyze Your Mistakes: Use solutions to understand “why” an answer is right or wrong.

3. Revisit Weak Chapters: Go back to chapter-wise videos and short notes.

4. Complete All 10 Mocks: Don’t skip any — every set is unique.

 

Why Choose NISMExams.in for IC 38 Mock Tests?

Here’s why thousands of candidates trust NISMExams.in for IRDA and LIC mock test preparation:

1. Real Exam-Like Interface
2. Case-Based and Numerical Questions
3. Track Progress Over 10 Mock Sets
4. Customer Support & Expert Guidance
5. Mobile Friendly, Easy to Use

 

Conclusion:

So, Which One Should You Choose?

If you're a beginner just exploring, start with a free IC 38 mock test to get your feet wet. But if your goal is to clear the IC 38 insurance exam on your first attempt, there’s no substitute for a structured, paid test prep package like the one from NISMExams.in.

Start with a Free Demo Test Here Or Buy Full Access for Rs. 599 Now

 

FAQs

1. Are free IC 38 mock tests reliable?

Free tests give a basic overview but often lack accuracy, updated syllabus, and explanations — they’re great for getting started but not for final prep.

2. What’s the difference between free and paid mock tests for IC 38?

Paid tests offer updated content, full-length question sets, answer explanations, video lectures, and progress tracking.

3. Do paid IC 38 mock tests include solved answers?

Yes. Platforms like NISMExams.in provide detailed explanations for each answer, making it easier to learn from mistakes.

4. How many paid mock tests should I take before the real exam?

At least 8–10 mock tests are recommended, covering all types of questions — factual, numerical, and case-based.

5. Is it worth investing in a Rs. 599 IC 38 test package?

Absolutely. With a 98% pass rate among serious users and comprehensive material, it increases your chances significantly.