IC 38 Insurance Exam 2025: Latest Syllabus, Updated Pattern, and Marking Scheme for LIC & IRDAI Aspirants
IC 38 Insurance Exam: Latest Syllabus, Pattern, and Marking Scheme 2025 The IC 38 insurance exam is the gateway for aspiring LIC agents, IRDAI-certified professionals, and anyone seeking a career in India's insurance industry. Whether you're preparing for Life Insurance, General Insurance, or Health Insurance roles, understanding the latest IC 38 syllabus, pattern, and marking scheme (2025) is essential to crack the exam on your first attempt. In this detailed guide, we will walk you through: ? The updated IC 38 exam structure, ? Topic-wise weightage, ? Question formats, ? Latest syllabus coverage, and ? The best strategies to succeed using free and paid IC 38 mock tests and other resources. Let’s get started. What is the IC 38 Exam? The IC 38 exam is conducted by the Insurance Regulatory and Development Authority of India (IRDAI) for individuals who want to become licensed insurance agents. This exam evaluates your understanding of insurance products, customer handling, ethics, financial knowledge, and regulatory frameworks. This exam is mandatory for: ? LIC agents ? Private insurer agents ? POSP (Point of Sales Person) candidates ? Insurance advisors IC 38 Exam Pattern 2025 Understanding the latest IC 38 exam pattern will help you structure your preparation effectively. Component Details Exam Type Objective Multiple Choice Questions (MCQ) Total Questions 50 questions Total Marks 50 marks Passing Marks 18 marks (35% of total) Duration 60 minutes Language Options English, Hindi, Bengali & other regional languages Negative Marking ?No negative marking Mode Online at authorized centers IC 38 Syllabus 2025: Section-wise Breakdown The updated IC 38 syllabus for 2025 remains structured around essential concepts of insurance, including both product and regulatory knowledge. Here is the latest section-wise division of the syllabus: 1. Basics of Insurance (Approx. 10-12 Questions) ? Concept of risk and insurance ? History and development of insurance in India ? Functions and benefits of insurance 2. Types of Insurance (Life, General & Health) (Approx. 10 Questions) ? Life Insurance products ? Term plans, ULIPs, Endowment policies ? General & Health Insurance products 3. IRDAI Regulations and Role (Approx. 5-6 Questions) ? Role of IRDA ? Licensing rules and regulatory framework ? Code of conduct for agents 4. Policy Servicing and Claims (Approx. 7-8 Questions) ? Policy issuance ? Claims processing and settlement ? Nomination and assignment 5. Ethics, Sales Practices, and Financial Planning (Approx. 10 Questions) ? Ethical selling ? Financial literacy basics ? Anti-money laundering guidelines Marking Scheme of IC 38 Exam ? 1 mark per correct answer ? No negative marking ? No sectional timing ? Minimum 18 marks (35%) required to pass This relaxed marking system encourages you to attempt all 50 questions without fear of penalty. Practicing using free IC 38 mock tests can significantly improve your performance. Recommended Study Materials To prepare effectively, here’s what you need: ? IRDAI IC 38 PDF (official syllabus) ? Video lectures (for visual learners) ? IC 38 mock test in English and regional languages ? Practice tests from recognized insurance academies ? Solved question papers and answer explanations Tips to Crack the IC 38 Exam 1. Take Regular Mock Tests Use both free IC 38 mock tests and paid mock tests with solutions to measure your progress. 2. Target the Most Weighted Topics Focus more on product knowledge, claims handling, and IRDAI regulations. 3. Revise from Official IC 38 Syllabus Always refer to the latest IRDA updates. Avoid outdated materials. 4. Time Yourself In full-length IC38 exam mock tests, try completing all questions within 40–45 minutes for buffer time. 5. Language Preference Take the IC 38 mock test in Bengali, Hindi, or English—whichever language you are most comfortable with. Free vs Paid IC 38 Mock Tests: What’s Better? While free mock tests give you basic practice, paid IC 38 mock tests often provide: ? Real-time exam simulation ? Solved answers with explanations ? Topic-wise analysis ? Chapter-wise test series ? Support from expert mentors If you're serious about passing on the first attempt, a small investment (?399 to ?599) in a premium package can be a game-changer. Regional Language Support You can take the IC 38 exam and mock tests in: ? English ? Hindi ? Bengali ? Tamil ? Telugu ? Kannada ? Gujarati ? Marathi Popular searches like “IC 38 mock test in Bengali” or “IC 38 exam mock test in Hindi” reflect this growing need for local-language resources. Model Test vs. Real Exam ? IC 38 model exam simulates the real experience. ? Always take at least 5 full-length mocks before attempting the real exam. ? Time-based mocks prepare you mentally for the pressure of the exam center. Search-Friendly Keywords (included in this post) This blog strategically includes: ? IC 38 mock test ? IC 38 exam ? IRDA exam mock test ? Free IC 38 mock test ? Insurance exam mock test ? LIC agent online mock test ? IC38 mock test in English ? Mock test for insurance exam ? IC 38 model exam This ensures better search visibility on Google and aligns with Google E-E-A-T and YMYL principles (Your Money Your Life). Why IC 38 is Important for LIC and IRDA Exams? The IC 38 exam is a regulatory requirement under IRDA guidelines. It ensures that only qualified professionals enter the insurance selling ecosystem. Whether you're taking the: ? LIC Agent Exam ? IRDA mock exam ? POSP certification exam IC 38 is your first step and should not be taken lightly. Benefits of Clearing the IC 38 Exam ? Legally allowed to sell life, general, and health insurance products. ? Eligible for commission-based income. ? Start a career as a LIC agent or work with private insurance companies. ? Become a certified POSP agent. ? Improve financial knowledge for better client servicing. Frequently Asked Questions (FAQs) 1. Has the IC 38 syllabus changed in 2025? Yes. The syllabus has been revised to include updated regulatory guidelines, new product types, and digital customer service policies. 2. How many marks are needed to pass IC 38? You must score 18 out of 50 marks (35%) to pass. Each correct answer gives 1 mark, and there’s no negative marking. 3. Is negative marking applicable in the IC 38 exam? No. There is no negative marking in the IC 38 insurance exam, allowing you to attempt all questions confidently. 4. How are questions divided in the IC 38 syllabus? The exam includes questions from basics of insurance, types of insurance, policy processes, ethics, and IRDA regulations. 5. Which topics carry the most weight in the IC 38 exam? Life Insurance and General Insurance product knowledge, IRDAI regulations, and sales ethics carry the maximum weightage. The IC 38 insurance exam is a stepping stone to a successful career in the Indian insurance sector. With the 2025 updates, it is more important than ever to prepare smartly and consistently. Start with free IC 38 mock tests and upgrade to paid solutions if you’re serious about passing on the first attempt. Remember: mastering the syllabus, exam pattern, and marking scheme is your first victory. The next is passing with confidence! Need a place to start? Try our Free IC 38 Mock Test and upgrade to the premium ?599 package for full-length solutions, topic-wise analytics, and exam support.