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A one-year program.
A lifetime opportunity.

Launch your insurance career with this year-long program designed by industry experts. Build key skills, develop core competencies, and have access to senior leaders. What’s more, secure an internship that prepares you for your dream job when you graduate.

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As industry leaders, HDFC Life owes it's success to the collective experience and expertise of it's people and our investment in innovation and technology. We are proud to witness the progress of our graduates through the company. The structured training program has given them a visible career starter advantage and helped us identify the next generation of insurance professionals.

Vibha Padalkar
MD & CEO

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Partnering with a leading education provider like Manipal for our graduate program is helping us build the next generation of Insurance professionals.

A program like Smart Achievers has seen these graduates grow and flourish under the guidance of their mentors and established peers.

Vibhash Naik
Head- Human Resources, L&D and Admin

Landing your first job
just got easier.

Benefits
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Get a guaranteed job at HDFC Life - a prestigious brand and India’s leading private Life Insurance organization on successful completion of all phases of the program.

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Get a Post Graduate Certificate in Life Insurance from Manipal Global Education Services Pvt Ltd. Gain knowledge on various aspects of the role of a Life Insurance Sales professional.

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On successful completion, join us as a permanent employee in Sales at a starting salary of ₹ 3,00,000* p.a. + Incentives.**

All payments will be subject to prevailing tax laws and statutory deductions Subject to performance and available schemes HDFC Life does not appoint any Agent/Agency/Individuals to make/issue offers of employment/benefits on its behalf. HDFC Life does not send any email communication relating to employment from free web based email accounts such as Gmail, Ymail, Hotmail etc. Any job offer from HDFC Life will be sent through an email with @hdfclife.com or @hdfclife.in domain only

Program Features

A 12-month Post Graduate Certificate Program in Life Insurance (PGCPLI) brought to you in association with Manipal Global Education Services.

Program features

A 12-month Post Graduate Certificate Program in Life Insurance (PGCPLI) brought to you in association with Manipal Global Education Services.

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    Two-month Virtual Learning Classroom (VLC)

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    Two-month residential program at Manipal's Bangalore campus with a monthly stipend of INR 2,500.*

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    Two-month on-site training at any HDFC Life office with a monthly stipend of INR 2,500.*

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    Six-month internship at any HDFC Life office with a monthly stipend of INR 16,000.*

All payments will be subject to prevailing tax laws and statutory deductions Subject to performance and available schemes
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On successful completion, join us as a permanent employee in Sales
at a starting salary of
₹ 3,00,000* p.a. + Incentives.**

Top skills you will master

Learn about BFSI industry, fundamentals of finance & financial markets, concept of Life Insurance, its core functions, distribution management, and developing effective sales capabilities.

Career opportunities

In the first year, join as a full-time employee in Sales. As you learn and grow, we offer you opportunities to move into leadership roles. We also encourage you to apply to internal job openings and gain cross-functional experience.

Who is this program for?

Anyone who is looking to launch their career in Insurance, one of the fastest-growing Industries today.

Minimum eligibility

The minimum requirement is a Graduate degree.

Curriculum

2

Months of Virtual Learning Classroom

2

Months of paid Classroom training at Manipal

2

Months of paid
on-the-job training

6

Months paid internship

12

Months program

On successful completion of the Program, you are confirmed as a HDFC Life employee and continue in the same channel

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Real-life exposure to a corporate work environment.

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Interaction with mentors.

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Opportunities to practice and develop selling and customer Interaction skills in a safe environment using simulated scenarios.

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During Internship (six months), you will be assigned to any of the 3 following sales distribution channels: Agency, Bancassurance or Direct as per HDFC Life’s discretion.

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Post successful completion of the Program, you will be confirmed as a HDFC Life employee and continue in the same sales distribution channel.

Invest now. Get 2X returns.

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All payments will be subject to prevailing tax laws and statutory deductions Subject to performance and available schemes Program fee payable to Manipal. Education loan can be availed.

Chart your growth

The Smart Achievers' program takes you further, faster. It gives you a head start in Insurance and takes you closer to the career you want.

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Career Growth

Get certified. Get ahead.

When you successfully complete the program, earn a Post Graduate Certificate in Life Insurance plus a guaranteed job in any of our Sales distribution channels.

Distribution channels

Please note that placement in any of the above mentioned channels will be at the discretion of HDFC Life.

Work your way to success

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Business Delivery

Deliver on monthly targets of Life Insurance sales.
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Sales Management
& Business Development

Comply with Sales Management processes which include timely review with channel partners, lead updates on the relevant Sales apps, and adherence to the company’s values.
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Relationship Management & Networking

Build and nurture a mutually beneficial, business- centric relationship and be the point of contact for all Life Insurance-related queries and concerns of our customers.
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Business Delivery

Deliver on monthly targets of Life Insurance sales.
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Sales Management
& Business Development

Comply with Sales management processes which include timely reviews, lead updates and sales processing on relevant Sales apps and adherence to the company’s values.
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Relationship Management & Networking

Build and nurture a mutually beneficial, business-centric relationship and be the point of contact for all Life Insurance-related queries and concerns of our customers.

How far will you go?

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1

Opportunity to grow to a higher level.

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Apply for jobs in other functions through a robust internal job posting process.

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Earn rewards and recognition that are directly linked to your performance.

Selection Process

All graduates are welcome to apply( Age upto 30 years). Shortlisted students have to undergo an aptitude test online and an interview thereafter, to get selected for the program.

STEP 01

Shortlist
profiles

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Graduate student (Age upto 30 years)

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English language comprehension

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Interest and flair for Sales

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STEP 02

Results from
aptitude test

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Verbal Reasoning

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Numerical Reasoning

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STEP 03

Interview

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Verbal Communication

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Other Critical skills

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Final
selection

You will receive a formal
provisional offer letter.

Be the best you can be.

The Smart Achievers’ program has brought many students closer to their dream by providing them a launchpad for a rewarding insurance career. And several opportunities to learn, grow and succeed.

Grow your career in a growing industry.

Smart Achievers program

The Insurance industry is growing.
So will you.

Smart Achievers program

HDFC Life Guaranteed Job

Smart Achievers' program

Be the best you can be.

The Smart Achievers’ program has brought many students closer to their dream by providing them a launchpad for a rewarding Insurance career. And several opportunities to learn, grow and succeed.

Grow your career in a growing industry.

Smart Achievers program

The Insurance industry is growing. So will you.

Smart Achievers program

HDFC Life Guaranteed Job

Smart Achievers' program

Student reviews

Successful graduates of the Smart Achievers(SA) program talk about how it shaped their careers.

subhradip_chakraborty
“The SA program helped me kick-start my career in Insurance. It also got me my first promotion within 10 months. Not only did I get a job immediately upon finishing the course but also moved faster from fresher to professional.”

Subhradip Chakraborty
Sales Manager
Agency

gaurav_porwal
“An alumnus recommended the SA program to me and there’s been no looking back. This program has taken me from intern to Bancassurance Manager in just four years.”

Gaurav Porwal
Bancassurance Manager
Bancassurance

nikhil_barde
“I learned a great deal through the SA program. I gained knowledge of the Insurance industry, developed Sales skills. It’s a great program for freshers who want to earn while they learn.”

Nikhil Barde
Key Relationship Manager Direct Sales
BCSS

Got questions?
Get the right answers.

  • 01
    What is the Smart Achievers’ program?

    It is a 12-month PG Diploma Program in Insurance (PGDI) brought to you by HDFC Life in association with Manipal University. It is an industry-focused program ideal for those who wish to launch their career in Insurance. You will learn about the BFSI Industry, fundamentals of finance & financial markets, concepts of Life Insurance, its core functions, distribution management & developing effective sales capabilities.

  • 02
    Why is it unique?

    The program offers a guaranteed job with HDFC Life in Sales, with a starting salary of INR. 3,00,000* per annum plus incentives** on successful completion of the course.
    *All payments will be subject to prevailing tax laws and statutory deductions
    **Subject to performance and available schemes

  • 03
    What are the benefits of a partnership with Manipal?

    Manipal Global Education offers state-of-the-art infrastructure and best-in-class student boarding. It also provides facilities like an Innovation Center, labs and has world-class faculty that makes this program much more than a course. It’s an experience. Manipal has over 200 ex-bankers and soft skills’ specialists as faculty whose average industry experience is 20 years. They enjoy partnerships with over 45 BFSI sector organizations and have trained over 65,000 industry professionals.

  • 04
    What is the duration of the program?

    A 12-month Post Graduate Certificate Program in Life Insurance (PGCPLI) brought to you in association with Manipal Global Education Services.
    Two-month Virtual Learning Classroom (VLC)
    Two-month residential program at Manipal's Bangalore campus with a monthly stipend of INR 2,500.*
    Two-month on-site training at any HDFC Life office with a monthly stipend of INR 2,500.* Six-month internship at any HDFC Life office with a monthly stipend of INR 16,000.*
    *All payments will be subject to prevailing tax laws and statutory deductions

  • 05
    Who is eligible to apply for this course?

    The minimum requirement is an undergraduate degree. Students in their final year of college who are yet to obtain their degree may not apply. At the time of enrolling, you will be expected to produce your official transcripts and degree certificate.

  • 06
    What are the program fees?

    The course fee is INR 1,16,820. This includes a non-refundable registration fee of INR 10,000 that’s required to reserve a seat in the program.
    Note: The total amount you earn during OJT and internship, if you continue successfully, will more than compensate for the total fee you pay over the duration of the course. You can avail of education loan to pay for the course fee.

  • 07
    Are the fees refundable?

    The fees are charged solely by Manipal for imparting training and are non-refundable, once you start in the program. All terms and conditions for payment of fees are governed by Manipal’s rules and refund policy.
    Note: HDFC Life does not collect any fee (even on behalf of Manipal) and shall not be liable for any refund of the course fee.

  • 08
    Are education loans available for this program?

    Yes, you can get a loan for this program with the right documents - photo ID such as Aadhar, driving license, and Voter ID; date of birth and address proof; your 10th, 12th and graduation certificates; your parents’ income proof such as recent pay slips, bank statements, and property registration documents.

  • 09
    What documents will I need to enrol for the program?

    You would have to submit the copies of the following documents to be eligible for the program:
    Degree certificate
    Official college transcripts
    Resume
    Passport-size photographs
    PAN card and Aadhar (mandatory)
    Relieving letter from your employer (if employed in the past or present)

  • 10
    What is the selection process?

    There are three stages to the selection process:


    Step 1: Your profile will be shortlisted by HDFC Life based on your qualification, interest and potential for Sales Proficiency in English also counts.

    Step 2: An online cognitive ability and online communication assessment will be administered by HDFC Life. This test will be virtually proctored through video-taping. If you clear this stage, then you will advance to step 3.

    Step 3: Interview by HDFC Life to validate verbal communication and other critical skills required for the job on offer. This will conclude in your being selected or rejected for the course.

    If you’re interested, please register here.


    REGISTER NOW

  • 11
    Will I have to complete a project as part of the program?

    Classroom assignments and continuous assessments are part of the curriculum. In addition, you will receive on-the-job training and several opportunities to explore real-world work scenarios. In lieu of a thesis, there is an internship you will undergo to graduate.

  • 12
    Where are the classes held and when will they begin?

    Classroom training is conducted at Manipal Global Academy of Banking & Insurance, in Bengaluru. The residential program is for 4 months, all expenses paid (includes food and accommodation). The students also get a stipend of INR 2500 per month for their personal expenses.

  • 13
    Where will on-the-job training be conducted? Will I be charged for it?

    You will undergo a two-month OJT at a HDFC Life branch or partner offices closest to you. The location will be assigned to you after you complete the classroom training and you will be paid a monthly stipend of INR. 2500*.

  • 14
    Are internships part of the program?

    Yes, internships are integral to the program. You will undergo a six-month internship at an HDFC Life office closest to you and earn a monthly stipend of INR 16000. You will also receive incentives for achieving business targets as per the prevailing incentive scheme (if applicable). *All payments will be subject to prevailing tax laws and other statutory deductions

  • 15
    Does this program guarantee a job?

    When you complete the course successfully, you are guaranteed a full-time job at HDFC Life in Sales with a starting salary of Rs 300,000 p.a.* plus incentives. There are no pre-conditions, except that you successfully complete the course. A successful completion of the training would mean timely completion of all assignments, quizzes, assessments during training, minimum attendance, and meeting assigned targets during OJT and Internship. *All payments will be subject to prevailing tax laws and other statutory deductions.

  • 16
    Who issues my employment letter?

    HDFC Life will provide you a provisional offer letter that stands confirmed after you complete all phases of the training successfully. The offer letter clearly mentions the terms and conditions of employment, including applicable statutory and tax deductions.
    Note:

    HDFC Life does not appoint any Agent/Agency/Individuals to make/issue offers of employment/benefits on its behalf.
    HDFC Life does not send any e-mail communication relating to employment from free web-based email accounts such as Gmail, Ymail, Hotmail etc.
    Any job offer from HDFC Life will be sent through e-mail with @hdfclife.com or @hdfclife.in domain only.
  • 17
    Do I have to sign a service bond?

    No.

  • 18
    Why is HDFC Life the right place for me?

    We are one of the top private Life Insurers in India in terms of market value. We are performance driven and have an open culture that puts people first. These values have ensured we consistently rank among the country’s best employers (according to several well-recognized employer surveys)
    While your initial job role will be front-line sales (J2 band), one level higher than entry-level front-line sales employees, you will have the opportunity to grow fast after the first year. There are several employees who began their careers as Trainees and rose meteorically to leadership roles within the sales function. Additionally, you can work across departments through internal job postings, as per the company policy.

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By industry experts. For future industry experts.
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Smart Achievers program-Fee payment schedule
Self-funding (Installment) INR Due Date Loan INR Due Date
Registration amount & First installment 50,000* Before Batch start date ( T ) Registration amount 10,000 Batch start date
2nd installment 40,000 T + 30 calendar days Final installment 1,06,820
3rd installment 26,820 T + 60 calendar days
Total Fees 1,16,820 Total Fees 1,16,820
Self-funding (Installment)
INR Due Date
Registration amount
&
First installment
70,000* Batch start date ( T )
2nd installment 70,000 T + 30 calendar days
Final installment 42,200 T + 60 calendar days
Total Fees 1,82,200
Loan
INR Due Date
Registration amount 10,000 Batch start date
Final installment 1,72,200
Total Fees 1,82,200
  • *Includes registration amount
  • Note: INR 10,000 - Registration amount is not refundable.
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