IC-38 IRDAI Agent Exam Free to start

Clear the IC-38 Exam — Free Mock Tests, Real Questions & Notes

Becoming an insurance agent in India starts with one exam: IC-38. Certena gives you hundreds of exam-style IC-38 questions with explanations, free timed mock tests, and a study plan paced to your exam date — so you walk in confident.

Start Free IC-38 Practice → See how it works
50
Questions per mock
~35%
To pass
60 min
Exam duration
₹0
To get started

Everything you need to clear IC-38

📝
Real exam-style MCQs
Hundreds of IC-38 questions aligned to the agent-licensing syllabus.
⏱
Free timed mock tests
Full 50-question, 60-minute papers that mirror the real exam.
💡
Instant explanations
Every question comes with a clear explanation of the correct answer.
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Chapter notes
Concise notes for each IC-38 chapter to revise before you practise.
🎯
Study plan to your date
Set your exam date and get a week-by-week plan that tells you what to study next.
🔁
Spaced revision
Questions you miss resurface at the right time so they stick.

How it works

1️⃣
Sign up free
Create your account in under a minute — no payment needed to start.
2️⃣
Pick the IC-38 track
Choose the agent-licensing path and set your exam date.
3️⃣
Practise & pass
Take mocks, review explanations, and follow your plan until you're ready.

IC-38 chapters covered

  1. 1.Introduction to Insurance
  2. 2.Customer Service
  3. 3.Grievance Redressal Mechanism
  4. 4.Regulatory Aspects of Insurance Agents
  5. 5.Legal Principles of an Insurance Contract
  6. 6.Introduction to Health Insurance
  7. 7.Insurance Documentation
  8. 8.Health Insurance Products
  9. 9.Health Insurance Underwriting
  10. 10.Health Insurance Claims
  11. 11.Principles of Insurance
  12. 12.Documentation
  13. 13.Theory & Practice of Premium Rating
  14. 14.Personal & Retail Insurance
  15. 15.Commercial Insurance
  16. 16.Claims Procedure

Frequently asked questions

What is the IC-38 exam?
IC-38 is the mandatory pre-recruitment examination you must clear to become a licensed insurance agent in India. It is conducted by the Insurance Institute of India (III) on behalf of IRDAI. It is a single pass/fail exam — there are no credit points or Licentiate/Associateship/Fellowship levels.
How many questions are in IC-38 and what is the pass mark?
A full IC-38 mock on Certena is 50 multiple-choice questions in 60 minutes, and you need about 35% to pass. There is no negative marking. Always confirm the exact current format against the latest III/IRDAI notification.
Is Certena free for IC-38 preparation?
Yes — you can practise IC-38 questions and take mock tests for free. Certena Pro is an optional upgrade (₹899/month or ₹2,999/year) for unlimited mock exams across every subject.
Is Certena affiliated with III or IRDAI?
No. Certena is an independent exam-preparation tool and is not affiliated with, endorsed by, or officially connected to the Insurance Institute of India (III) or IRDAI.

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