Did you know that top-performing Point of Sale (PoS) agents can earn up to 30% more by optimizing their commission structures? Yes, you heard right!

This chart outlines the potential earnings for any PoS agent based on their performance and the types of policies they sell. The primary source of income for POSP insurance agents is the commission they receive from insurance companies. When they sell an insurance policy, whether it is for life, health, property, or any other type, agents earn a percentage of the premium paid by the policyholder. This commission can vary based on the type of policy, the insurance company, and the agent’s experience. 

Be it PBPartners commission payout or policy bazaar payout commission, a PoS insurance agent earns money based only on the IRDAI guidelines. 


Applicable Commission Rate (Just an approximate)

Motor Insurance

Upto 15%

Health Insurance

Upto 15%

Business Insurance

Upto 10%

Life Insurance

Upto  30%

How does a POSP insurance agent earn Money?

As per the IRDAI guidelines, the premium paying term under the POS-Life product shall always be equal to the policy term. The death and maturity benefits including the return of premium shall be paid only in one lump sum.  It applies the same when we talk about PBPartners payout.

To whom are these commission structures applicable as per the

IRDAI Guidelines?

This commission structure applies to the below intermediaries:

  • Insurance Agents
  • Corporate Agents
  • Insurance Brokers
  • Web Aggregators
  • Insurance Marketing Firm
  • Any other entity may be notified by the Authority from time to time.

Let us understand the PoS Commission Chart with a case study which will give you an idea of how the PBPartners commission chart works or the PBPartners Payout Structure


Commission Earned

Mr. A sold a term life insurance policy. He received INR 14,000 as the premium amount, which he is required to pay the insurance company. 

30% of 14,000= 4,200

Mr A  sold a health insurance policy and received INR 12,000 as the premium amount. He paid the same insurance amount to the insurance company. On a health insurance policy

15% of 12,000= 3,000

Later, Mr. A sold his Car insurance. He received ₹13,000 on the said insurance policy. 

15% of 13,000 = 1,950

Mr A sold bike insurance on which he received ₹2,500 as the commission amount. He paid the amount to the insurance company 

17.5% of 2,500= 438

Thus, the total commission he earned by selling all four insurances shall be deemed as INR 8,388.

A POSP insurance agent earns money through a combination of commissions. This includes renewal fees, cross-selling, bonuses, referral fees, and other incentives. Their income is influenced by factors such as the type of insurance they sell, their experience, and the insurance company they represent. While the potential for earnings is substantial, it is essential to remember that success in this field often requires hard work, dedication, and a commitment to providing excellent service to clients.

The path to financial freedom and career growth is just a few clicks away. If you’re ready to maximize your earnings and outperform your peers, join PBPartners to become an insurance agent today. Our commission chart is designed to reward your hard work and dedication, ensuring that every policy sold brings you closer to your financial goals.

With PBPartners, you're not just selling insurance; you're building a lucrative career with one of the most rewarding commission plans in the industry.