The IC 38 exam is conducted by the Insurance Regulatory and Development Authority of India (IRDAI) and is mandatory for individuals seeking to become licensed insurance agents. It evaluates your understanding across key insurance categories:
- Life Insurance
- General Insurance
- Health Insurance
The exam covers principles of insurance, code of conduct, product knowledge, customer service practices, and the overall regulatory framework set by IRDAI.
Free IC 38 Mock Test – Try Before You Buy
We offer a Free IC 38 Mock Test so you can assess our quality before upgrading. This sample test includes 20 questions based on the latest 2025 syllabus.
Includes life, general & health insurance questions- Available in English and based on the real exam format
- No sign-up or hidden charges
- Instant access — start immediately
Why Take a Free Sample Test First?
- Familiarize yourself with the exam structure
- Assess your readiness level
- Experience quality explanations firsthand
- Boost your confidence before investing
Key Features That Make NISMExams.in the Best for IC 38 Exam Prep
1. Explained Questions with Answers
Every question is followed by a clear explanation, reference to case studies or real-world scenarios, and key learning points to enhance conceptual clarity.
2. Covers All Modules
Whether it's Life Insurance, General Insurance, or Health Insurance, our test series is segmented module-wise to match IC 38 exam structure.
3. Case Studies & Numericals
Includes exam-like case studies that test your understanding of risk analysis, claim procedures, underwriting, and customer service scenarios.
4. Expert-Curated Notes & Videos
- Chapter-wise downloadable PDFs
- Quick revision summaries
- Optional video explainers (YouTube linked)*
Who Should Take the IC 38 Mock Test on NISMExams.in?
- IRDAI aspirants preparing for their insurance license
- Agents from LIC, SBI Life, HDFC Life, Kotak, or ICICI
- New or existing professionals looking for certification
- Students or job seekers entering the BFSI sector
- Anyone pursuing IC 38 for compliance or promotion
Sample IC 38 Insurance Agent Exam Questions
Life Insurance Example
Q: What is the main purpose of life insurance?
A: To provide financial protection to the nominee upon the death of the policyholder.
General Insurance Example
Q: What does ‘Indemnity’ mean in general insurance?
A: Compensation for actual loss suffered, without profit.
Health Insurance Example
Q: What is a ‘waiting period’ in health insurance?
A: The time duration after policy purchase before certain conditions are covered.
How Much Time Should You Spend on IC 38 Exam Preparation?
The ideal preparation window is 7–15 days, depending on your background with insurance concepts:
- New to Insurance: Start with the free mock test, then upgrade to premium.
- Working Professionals: Take 3–4 full mock tests and revise notes.
- Students: Dedicate 10–12 days plus at least 5 mock test attempts.
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