A promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer.
In exchange for payments from the insured (called premiums), the insurer agrees to pay the policy holder a sum of money upon the occurrence of a specific event.
Rural Authorized Person (RAP) is an individual who has a license to solicit or negotiate an Insurance policy with a client on behalf of the insurance companies. To become a RAP VLE has to complete the RAP training modules and pass in RAP exam conducted by NIELIT.
Yes, you can sell & give insurance services through CSC without surrendering your existing license. IRDA has allows insurance agents to work as a RAP subject to the following conditions :
To become a RAP, fill the enrolment form on http://188.8.131.52/insurance/rap/create_rap.php
A fee of Rs 350 needs to be paid at the time of RAP registration. If in case VLE is not able to clear/appear for exam, they need to pay the fee for every exam .The Fee needs to be paid using your e-wallet with the http://www.apna.csc.gov.in/ .
From the registration date it takes one week time to get the RAP username and password (after verifying the details updated on RAP portal).
Admit cards are not sent. RAP exam is conducted after one month’s time from the date the RAP training is completed. VLE’s will receive exam details 24-48 hours before the exam date via email. VLE’s to make sure that they updated their correct email id and should keep checking their email(including SPAM folder) regularly.
Result is declared by NIELIT in approximately 20 days from the exam date.VLE’s will receive the result via email
From the exam pass date, it takes 10-15 days for service to be activated on VLE portal. The iris devise and hard copy of license is either sent to state coordinator or by other means. VLE should send all the below documents to CSC
The first 3 documents can be downloaded by logging on the below link after clearing the RAP exam http://184.108.40.206/rap/Admin/document_download.aspx
2.RAP Terms & Conditions (Signed)
3.RAP License (Signed)
4.Signed copy of
f. 1 Passport Size Colored Photograph
The passing score for each examination is 35 percent. Candidates who pass the examination will receive a score report that reads “pass” and no numeric score will be reported. Candidates who fail the examination will receive a score report that reads “fail” and no numeric score will be reported
No one else can appear for exam and sell insurance on your behalf. Only the registered OMT id owner can give exam and sell the policies.
The login details are sent to VLE’s email id 24-48 hours, and the exam link is sent to the VLE’s email id just 15 mins before the scheduled exam time so that the technical issues do not occur. If still the VLE faces technical problem on exam date, they should contact the insurance team or the technical team timely to ensure they get time to complete exam. Contact number for technical team is sent with login details.
Candidate doesn’t have to go to NIELIT center to give exam. They can give exam from their CSC center. They should keep color photo, photo id proof along with them. As per new procedure candidate needs to take picture of self and also of the photo id proof from webcam and submit it on exam link. Once this is done then only they will be allowed to start the exam by NIELIT.