--- title: "Insurance Agent in Indonesia: Licence, Pay and Commission" description: "Insurance agents in Indonesia sell and service policies under an agency agreement and must be licensed and registered with OJK. Pay is usually commission." lang: en canonical: "https://kariraman.com/en/careers/insurance-agent/" datePublished: "2026-10-08" dateModified: "2026-10-08" sources: - "https://ojk.go.id/id/regulasi/Documents/Pages/POJK-8-Tahun-2024-Produk-Asuransi-dan-Saluran-Pemasaran-Produk-Asuransi/POJK%208%20Tahun%202024%20Produk%20Asuransi%20dan%20Saluran%20Pemasaran%20Produk%20Asuransi.pdf" - "https://www.ojk.go.id/id/regulasi/Pages/POJK-36-2024-Penyelenggaraan-Usaha-Perusahaan-Asuransi,-Asuransi-Syariah,-Perusahaan-Reasuransi,-dan-Reasuransi-Syariah.aspx" - "https://skkni-api.kemnaker.go.id/v1/public/documents/3de62284-adf2-48b3-9408-3a9f6aee2511" - "https://aaji.or.id/Agen" - "https://aasi.or.id/cari-agen" - "https://peraturan.bpk.go.id/Download/31128/UU%20Nomor%2013%20Tahun%202003.pdf" - "https://peraturan.go.id/files/pp36-2021bt.pdf" - "https://www.bpjsketenagakerjaan.go.id/bukan-penerima-upah.html" - "https://peraturan.go.id/files/uu7-2014bt.pdf" - "https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf" - "https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker" - "https://jdih.jabarprov.go.id/page/info/produk/53539/" - "https://satudata.kemnaker.go.id/data/kumpulan-data/3005" - "https://www.hukumonline.com/berita/a/ump-dan-umk-jabar-2026-lt695805af72d43" - "https://satudata.kemnaker.go.id/data/kumpulan-data/2252" - "https://peraturan.go.id/files/pp-no-49-tahun-2025.pdf" - "https://jdih.jakarta.go.id/dokumen/detail/14763" - "https://kemnaker.go.id/news/detail/wamenaker-apresiasi-paket-kebijakan-kesejahteraan-pekerja-dki-pascapenetapan-ump-2026-bisa-dicontoh-oleh-daerah-lain" - "https://www.bps.go.id/id/pressrelease/2026/08/05/2606/keadaan-ketenagakerjaan-.html" - "https://jdih.kemnaker.go.id/asset/data_puu/2025senaker006.pdf" - "https://emedia.dpr.go.id/news/2026/10/07/dpr-sahkan-uu-pelindungan-ketenagakerjaan-dasco-kado-terindah-untuk-buruh" - "https://kemnaker.go.id/news/detail/menaker-ungkap-poin-penting-uu-pelindungan-ketenagakerjaan-yang-wajib-diketahui-pekerja" - "https://www.kompas.tv/ekonomi/633153/6-ciri-lowongan-kerja-bodong-yang-perlu-diwaspadai" - "https://finance.detik.com/tips-dan-trik/d-7941714/waspada-marak-modus-penipuan-lowongan-admin-e-commerce" - "https://koran-jakarta.com/2026-08-12/pemkot-jaktim-minta-pelamar-waspadai-modus-kerja-palsu" - "https://www.bca.co.id/id/informasi/awas-modus/2024/09/18/08/24/Awas-Modus-Panggilan-Interview-Kerja-Ini-Ciri-cirinya" - "https://www.detik.com/bali/hukum-dan-kriminal/d-8524702/niat-cari-kerja-di-bali-pria-sumba-malah-disekap-disiksa-2-wanita" - "https://www.medcom.id/nasional/daerah/Wb7zXLaN-polisi-tunggu-pelaporan-korban-kasus-staycation" - "https://www.cnnindonesia.com/ekonomi/20240112093139-78-1048464/waspada-modus-penipuan-file-apk-pps-pemilu-yang-bisa-kuras-rekening" - "https://disnaker.batam.go.id/wp-content/uploads/sites/36/2025/06/DOC-20250522-WA0002.-1.pdf" --- > Markdown version of https://kariraman.com/en/careers/insurance-agent/. Cite that HTML page and its update date. # Insurance agents in Indonesia: duties, licensing, commission and joining safely Written by KarirAman editorial team Approved by [Kaiser Khan](https://kariraman.com/en/authors/kaiser-khan/) (editor), 8 October 2026 Updated 8 October 2026 Insurance agents in Indonesia sell and service policies under an agency agreement and must be licensed and registered with OJK. Pay is usually commission. ## Summary Professional requirements: Agency certificate and registration with OJK High scam risk - An insurance agent represents an insurer in selling policies and works under an agency agreement, under OJK Regulations 8/2024 and 36/2024. - Agents must hold a valid agency certificate from a certification body registered with OJK and be registered with OJK (OJK Regulation 36/2024 Article 16). - When offering a policy, an agent must show proof of OJK registration and a valid agency licence (OJK Regulation 36/2024 Article 18). - A commission-only agent is not automatically covered by the minimum wage, which under Government Regulation 36/2021 applies to workers in an employment relationship. - Agency structures may not use strategic job titles such as director, under OJK Regulation 36/2024 Article 16(1)(f). ## What does an insurance agent do in Indonesia? An insurance agent represents an insurer in selling policies: finding prospective customers, explaining benefits and exclusions, helping with the application and serving customers after the policy is issued. OJK Regulation 8/2024 Article 1 point 14 defines an insurance agent as a person working alone or for a business entity who acts for and on behalf of an insurer. There are life, general and sharia insurance agents. - Find prospective customers and explore their protection needs. - Explain benefits, exclusions, premiums and policy terms accurately and without misleading anyone. - Help prospective customers complete the insurance application and supporting documents. - Pass on the insurer's decision on an application to the prospective customer. - Serve customers after the policy is issued, for example data changes, premium payments and claims. - Record sales activity and work towards targets set by the agency office. - Attend product training and keep the agency certificate valid. ## How do you become a licensed insurance agent in Indonesia? An insurance agent must hold a valid agency certificate from a professional certification body registered with OJK, be registered with OJK and have an agency agreement with the insurer. These conditions are in OJK Regulation 36/2024 Article 16(1), in force since June 2025. The insurer must also report its agents to the industry association for its line of business and include the association's code of ethics in the agency agreement. - **Licence or certificate:** Agency certificate and registration with OJK - **Issued by:** [Financial Services Authority (OJK); insurers report their agents to the industry association for their line of business](https://www.ojk.go.id/id/regulasi/Pages/POJK-36-2024-Penyelenggaraan-Usaha-Perusahaan-Asuransi,-Asuransi-Syariah,-Perusahaan-Reasuransi,-dan-Reasuransi-Syariah.aspx) - **Legal basis:** OJK Regulation 69/POJK.05/2016 as amended by OJK Regulation 36/2024, Articles 16 to 18; OJK Regulation 8/2024 Articles 48 to 51 ## What does a typical insurance agent job ad in Indonesia ask for? Insurance agent ads usually state the type of insurance, the training and licence exam provided, sales targets and the commission scheme. The description below is our own summary of common ad patterns, not a vacancy from any company. An honest ad says plainly that the post is a commission-based agent. If an ad does not state the employment status, ask whether the post is a salaried employee or a commission-based agent before you go to the interview. General example, not a vacancy We wrote this description ourselves from what job ads usually ask for. It is not a vacancy from any company. ### Commonly requested requirements - Senior high school or vocational school graduate or above; some insurers ask for a diploma or degree. - Willing to take training and the agency certification exam for the type of insurance. - Comfortable talking to people, explaining products and meeting strangers. - Willing to work towards targets with commission-based income. - Honest and careful with documents and customers' premium money. ### Skills Spoken communication, Explaining financial products, Needs analysis, Document accuracy, Sales ethics, Time management, Networking, Resilience to rejection. Ministry of Manpower Circular M/6/HK.04/V/2025 bars employers from discriminating on any basis in recruitment. An age requirement is allowed only where the nature of the job genuinely affects ability and it does not remove the chance of work, and the same applies to workers with disabilities. Law 13/2003 Articles 5 and 6 guarantee equal opportunity and treatment without discrimination. [JDIH Kementerian Ketenagakerjaan](https://jdih.kemnaker.go.id/asset/data_puu/2025senaker006.pdf) 8 October 2026 [JDIH BPK RI (peraturan.bpk.go.id)](https://peraturan.bpk.go.id/Download/31128/UU%20Nomor%2013%20Tahun%202003.pdf) 8 October 2026 ## How are insurance agents paid in Indonesia, and is there a base salary? Insurance agents usually earn commission on the policies they close rather than a fixed salary; the elucidation of OJK Regulation 36/2024 also refers to commission on a closed policy. The minimum wage under Government Regulation 36/2021 Articles 23 and 24 applies to workers in an employment relationship, so commission-based agents are not automatically covered. KarirAman has no agent income data that meets our standards yet. Ask in writing how commission is calculated and when it can be clawed back. **Insurance Agent: available pay data (as of 8 October 2026)** | Data | Figure | Notes | | --- | --- | --- | | Pay range in KarirAman verified vacancies | Not enough data yet (n < 30) | | | Average net wage of employees, Financial and insurance activities (BPS Sakernas May 2026) | IDR 5,511,847 | reference for the Financial and insurance activities sector, not specific to this career; net (after deductions)
[Badan Pusat Statistik](https://www.bps.go.id/id/pressrelease/2026/08/05/2606/keadaan-ketenagakerjaan-.html) 8 October 2026 | | Minimum wage (UMP/UMK) as the floor | IDR 2,317,601 to IDR 5,729,876 | Lowest 2026 UMP IDR 2,317,601 (West Java), highest IDR 5,729,876 (Jakarta)
The minimum wage applies to employees, not to partners (mitra).
Micro and small businesses are exempt from the minimum wage rules; pay there is set by agreement and still has a legal floor. [Kementerian Hukum RI (peraturan.go.id)](https://peraturan.go.id/files/pp36-2021bt.pdf) 7 October 2026 | [Check your city's minimum wage (2026)](https://kariraman.com/en/minimum-wage/) [Work out your take-home pay](https://kariraman.com/en/tools/take-home-pay/) [How we handle salary data](https://kariraman.com/en/methodology/salary/) ## What is the education route to becoming an insurance agent in Indonesia? OJK rules on agents focus on an agency certificate for the line of business, not a particular degree. The national competency standard for insurance, SKKNI Perasuransian (Ministry of Manpower Decree 12/2024), includes units such as identifying customer needs, carrying out the insurance sales process and serving customers. Vocational school, diploma or degree graduates in management, finance or communication have relevant skills, but must still pass agency certification before selling policies. - [**Vocational high school (SMK) in Indonesia: route to work, certificates and job centres**](https://kariraman.com/en/education/vocational-high-school/) - [**D3 vocational diploma in Indonesia: how it differs from a degree and how to check a campus**](https://kariraman.com/en/education/vocational-diploma/) - [**Bachelor's degree (S1) in Indonesia: when jobs require one and how to check a university**](https://kariraman.com/en/education/bachelors-degree/) ## Are insurance agents employees, and do they get BPJS cover? Insurance agents work under an agency agreement (OJK Regulation 36/2024 Article 16), not an employment contract. Law 13/2003 Article 1 point 15 says an employment relationship arises from an employment contract with the elements of work, wages and instructions. The insurer therefore does not automatically register agents with BPJS Ketenagakerjaan. Agents can register themselves as non-wage participants for old-age savings (JHT), work accident (JKK) and death (JKM) cover. Salaried agency office staff are employees. **Legal status:** the Labour Protection Law was approved by the DPR and the Government on 6 October 2026 but has not been promulgated and its text is not public. Until it takes effect, the rules on this page apply. [Dewan Perwakilan Rakyat RI (emedia)](https://emedia.dpr.go.id/news/2026/10/07/dpr-sahkan-uu-pelindungan-ketenagakerjaan-dasco-kado-terindah-untuk-buruh) 7 October 2026; [Kementerian Ketenagakerjaan RI](https://kemnaker.go.id/news/detail/menaker-ungkap-poin-penting-uu-pelindungan-ketenagakerjaan-yang-wajib-diketahui-pekerja) 7 October 2026 ## What do OJK rules say about titles, recruitment and commission in insurance agencies? OJK rules set several limits on insurance agency structures. OJK Regulation 36/2024 Article 16(1)(f) bans strategic job titles such as director in agency structures. The elucidation of Article 16(2a)(a) says an insurer's agent selection criteria may include experience at certain position levels, length of experience, certification and training. Association codes of ethics prohibit twisting, poaching agents from other insurers and unreasonable commissions. Ask in writing how your income is calculated. ## How do you check an agent and an insurer before joining? Checking an insurance agency before you join helps you confirm the employment status on offer and avoid unlicensed products. Do this before you sign anything. 1. Search for the insurer on the OJK portal of licensed and supervised entities (see the OJK 157 contact channel below). 2. Ask the recruiter to show proof of OJK registration and a valid agency licence for the insurer they represent. 3. For life insurance, enter the recruiter's agent code in the AAJI agent profile lookup; for sharia insurance, use the AASI active-agent search. 4. Read the title of the document you are given: an employment contract means you are an employee, an agency agreement means you are an agent. 5. Ask how commission is calculated, when it is paid and when it can be clawed back if a policy lapses, and get the answers in writing. 6. Never transfer money to anyone's personal account for registration, training or customers' premiums. - **OJK contact centre 157** [157](tel:157) [WhatsApp 081157157157](https://wa.me/6281157157157) [kontak157.ojk.go.id](https://kontak157.ojk.go.id/APPKPublicPortal/) - **Indonesia Anti-Scam Centre (IASC)** [157](tel:157) [WhatsApp 081157157157](https://wa.me/6281157157157) [iasc.ojk.go.id](https://iasc.ojk.go.id/) - **BPJS Ketenagakerjaan** [175](tel:175) [bpjsketenagakerjaan.go.id](https://www.bpjsketenagakerjaan.go.id/) - **Kemnaker help centre and call centre** [1500630](tel:1500630) [bantuan.kemnaker.go.id](https://bantuan.kemnaker.go.id/) ## What interview questions might you be asked for insurance agent jobs? Interview questions for insurance agent jobs often cover how you offer products, targets you have met, dealing with angry customers, what you do when you miss a target, and honesty in selling. Each example below comes with why it is asked and how to answer it. The Ministry of Manpower warns that an instant chat interview without formal confirmation is one sign of a fake job. [Republika](https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker) (official statement via media) 8 October 2026 General examples written by KarirAman, not questions from any particular company. How to practise: read the question, answer it out loud, then open the guidance to compare. ### Questions for this field **How do you offer a product to someone who is not interested yet?** **Why they ask:** The interviewer wants to see how you open a conversation and read people's needs. **How to answer:** Explain that you ask about their needs first, explain the benefits that matter to them and accept a no politely. **Tell me about a sales or service target you met.** **Why they ask:** These jobs are often measured by targets, so evidence of results helps. **How to answer:** Give results with figures you can stand behind, such as the number of customers or items, then explain how you got there. **How do you deal with an angry customer?** **Why they ask:** How complaints are handled decides whether customers come back. **How to answer:** Give an example of listening fully, apologising for the trouble, offering a solution within the rules and involving a supervisor when needed. **What do you do when you miss a target?** **Why they ask:** The recruiter wants to know whether you learn from poor results. **How to answer:** Explain how you look for the cause, change your approach and ask a supervisor or experienced colleague for feedback. **How do you stay honest when selling?** **Why they ask:** Untrue promises hurt customers and can create legal trouble for the company. **How to answer:** Say you only promise what the product terms state, explain costs and risks openly and refuse misleading sales tactics. **Common questions that also come up (12 questions)** - **Tell me about yourself.** Answer in about a minute: where you are now in work or study, two experiences that matter for this job, then why you applied. Personal matters such as family status are not needed. - **Why did you apply to this company?** Mention one or two real things you learned from the company's official website, such as its business or services, and link them to your skills. - **Why are you interested in this role?** Pick two tasks from the job advert, describe similar things you have done, and say which part you most want to grow in. - **What are your strengths?** Name one or two strengths and give short proof: the situation, what you did and the result. - **What is your weakness?** Choose a real weakness that is not central to the job, then explain what you are doing to improve it. - **Tell me about a problem at work or school that you solved.** Use the STAR pattern: Situation, Task, Action, Result. Focus on what you yourself did and what you learned. - **How do you work in a team, including when people disagree?** Give a real example of listening, explaining your view politely and finding a solution everyone accepted. - **How do you handle pressure or tight deadlines?** Explain how you set priorities, such as a task list or checking with your supervisor, and give one example of the outcome. - **Where do you see yourself in two or three years?** Mention the skills you want to master and the responsibility you hope to take on, without promising things you cannot know. - **What salary do you expect?** First research the pay range for the role and the local minimum wage where you would work. Give a range, then ask whether the figure is gross or net and which allowances apply. - **When can you start?** Give a realistic date. If you are still employed, mention the notice period in your current contract so you do not break it. - **Do you have any questions for us?** Ask about the contract type, working hours, base pay and allowances, the next selection step and when results are announced. Ask for the offer in writing. **Warning signs in interviews (6)** - **The interview happens only by WhatsApp or Telegram chat with no formal invitation, or you are pushed to be interviewed on the spot.** **What to do:** Ask for a written invitation from a company-domain e-mail address, then match the contact with the official website you look up yourself. [Republika](https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker) (official statement via media) 8 October 2026 [Kompas TV](https://www.kompas.tv/ekonomi/633153/6-ciri-lowongan-kerja-bodong-yang-perlu-diwaspadai) (official statement via media) 8 October 2026 [detikFinance](https://finance.detik.com/tips-dan-trik/d-7941714/waspada-marak-modus-penipuan-lowongan-admin-e-commerce) 8 October 2026 - **You are asked to pay for a test, a psychological test, a medical check-up, training or a uniform, or to book tickets and a hotel through an appointed agent with a promise of reimbursement.** **What to do:** Do not transfer anything. The Ministry of Manpower says legitimate recruitment does not charge applicants. [Kompas TV](https://www.kompas.tv/ekonomi/633153/6-ciri-lowongan-kerja-bodong-yang-perlu-diwaspadai) (official statement via media) 8 October 2026 [Republika](https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker) (official statement via media) 8 October 2026 [Koran Jakarta](https://koran-jakarta.com/2026-08-12/pemkot-jaktim-minta-pelamar-waspadai-modus-kerja-palsu) (official statement via media) 8 October 2026 [PT Bank Central Asia Tbk (BCA)](https://www.bca.co.id/id/informasi/awas-modus/2024/09/18/08/24/Awas-Modus-Panggilan-Interview-Kerja-Ini-Ciri-cirinya) 8 October 2026 - **The interview is held in a hotel room, a private house or another closed place that is not an office, or the location keeps changing. An invitation to stay overnight, or any sexual demand, as a condition for being hired or for renewing a contract is also a warning sign.** **What to do:** Ask for the interview at the office or a public place, tell someone close to you where you are, and leave if you feel unsafe. Sexual demands can be reported to the police or the local manpower office (Disnaker). If you are in danger, call the police. [Koran Jakarta](https://koran-jakarta.com/2026-08-12/pemkot-jaktim-minta-pelamar-waspadai-modus-kerja-palsu) (official statement via media) 8 October 2026 [detikBali (detik.com)](https://www.detik.com/bali/hukum-dan-kriminal/d-8524702/niat-cari-kerja-di-bali-pria-sumba-malah-disekap-disiksa-2-wanita) (official statement via media) 8 October 2026 [Medcom.id](https://www.medcom.id/nasional/daerah/Wb7zXLaN-polisi-tunggu-pelaporan-korban-kasus-staycation) (official statement via media) 8 October 2026 - **You are asked for a photo of your KTP or family card, a selfie holding your ID, your bank account number, an OTP code, a PIN or a password before any written job offer.** **What to do:** Do not send them. OJK says never to give an OTP, PIN or password to anyone, and identity data can be misused for illegal online loans. [Kompas TV](https://www.kompas.tv/ekonomi/633153/6-ciri-lowongan-kerja-bodong-yang-perlu-diwaspadai) (official statement via media) 8 October 2026 [Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)](https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf) 8 October 2026 [Koran Jakarta](https://koran-jakarta.com/2026-08-12/pemkot-jaktim-minta-pelamar-waspadai-modus-kerja-palsu) (official statement via media) 8 October 2026 - **The interview invitation arrives as an app file (APK) or a link that asks you to install an app.** **What to do:** Do not open it. OJK and Kominfo warn that fake APK files can read SMS messages with OTP codes and then drain bank accounts. [CNN Indonesia](https://www.cnnindonesia.com/ekonomi/20240112093139-78-1048464/waspada-modus-penipuan-file-apk-pps-pemilu-yang-bisa-kuras-rekening) (official statement via media) 8 October 2026 - **After the interview you are asked to hand over your original diploma or other original personal documents as a guarantee for the job.** **What to do:** Ministry of Manpower Circular M/5/HK.04.00/V/2025 bars employers from requiring or holding original diplomas and personal documents as a guarantee for the job. The only exception is a diploma or competency certificate from education or training paid for by the employer under a written employment agreement, and the employer must keep it safe and compensate you if it is damaged or lost. Otherwise, show them for checking, then take them home. [Dinas Tenaga Kerja Kota Batam (meneruskan SE Menteri Ketenagakerjaan RI)](https://disnaker.batam.go.id/wp-content/uploads/sites/36/2025/06/DOC-20250522-WA0002.-1.pdf) 8 October 2026 **In danger or held at an interview location? Call the police:** - **Police call centre 110** [110](tel:110) [polri.go.id](https://polri.go.id/layanan/spkt) [See all interview questions](https://kariraman.com/en/guides/interview-questions/) [Build an ATS CV](https://kariraman.com/en/tools/cv-builder/) [Write a cover letter](https://kariraman.com/en/tools/cover-letter/) ## What scams target insurance agent job seekers in Indonesia? The main red flag is a demand for registration, training or exam fees as a condition of hiring: the Ministry of Manpower said in January 2025 that a recruitment fee is almost certainly fraud. A high salary for vague duties is another sign of a fake job, so ask whether the post is salaried or commission-based. Also watch for schemes promising income from recruiting new members, and high-return products from parties not licensed by OJK. **Warning signs in insurance agent job ads** - An ad promises a high salary for vague duties, a sign of a fake job according to the Ministry of Manpower; ask whether the post is a salaried employee or a commission-based agent. - You are asked to pay for registration, training or an exam as a condition of being hired; the Ministry of Manpower says a recruitment fee is almost certainly fraud. [Republika](https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker) (official statement via media) 7 October 2026 - Income is promised mainly from recruiting new members; OJK warns about multi-level marketing patterns in fake investment offers. [Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)](https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf) 7 October 2026 - The recruiter uses titles such as director in the agency structure; OJK Regulation 36/2024 bans strategic job titles in agency structures. - You are asked to close policies under another agent's name or to lend your agent code; OJK Regulation 36/2024 Article 16 prohibits this. - The recruiter cannot show proof of OJK registration and a valid agency licence for the insurer they represent. - You are told to collect customers' premiums in a personal account; agents must issue proof of receipt and may not withhold premiums. [Otoritas Jasa Keuangan](https://www.ojk.go.id/id/regulasi/Pages/POJK-36-2024-Penyelenggaraan-Usaha-Perusahaan-Asuransi,-Asuransi-Syariah,-Perusahaan-Reasuransi,-dan-Reasuransi-Syariah.aspx) 8 October 2026 - The product you are asked to sell promises high returns with no risk from a party that is not licensed and supervised by OJK. [Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)](https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf) 7 October 2026 - [**Fees for training, medical checks, uniforms or ID cards**](https://kariraman.com/en/job-scams/job-offers-that-ask-for-fees/) - [**Fake HR recruiters on WhatsApp and Telegram**](https://kariraman.com/en/job-scams/fake-recruiters-on-whatsapp-telegram/) - [**How to spot a fake job offer in Indonesia (loker bodong) and tell real from fake**](https://kariraman.com/en/job-scams/signs-of-a-fake-job/) - [**How to verify a company in Indonesia before you apply: AHU, NIB, P3MI, SOEs and OJK**](https://kariraman.com/en/job-scams/verify-an-employer/) - [**Sent money to a job scammer in Indonesia? Steps for the first hour, day and week**](https://kariraman.com/en/job-scams/already-paid/) **KarirAman is 100% free. We never ask for money.** For job seekers and employers. We run no ads, sell no data and never ask for any fee. Anyone asking for money in KarirAman's name is a scammer. [Our no-fee policy](https://kariraman.com/en/no-fees/) [Check this job ad with the job checker](https://kariraman.com/en/check-a-job/#modus-biaya-rekrutmen) [Report a fake job](https://kariraman.com/en/report-form/) ## Where can you find safe insurance agent jobs in Indonesia? Safe insurance agent openings come from insurers licensed by OJK or their official agency offices. Check the insurer on the OJK portal of licensed entities, ask the recruiter to show proof of OJK registration and their agency licence under OJK Regulation 36/2024 Article 18, and look up their agent code with the industry association. KarirAman does not yet list any verified insurance agent vacancies. **No verified vacancies for this role yet** We only list vacancies we have checked. In the meantime, look for jobs on these official channels. - **Karirhub (Kemnaker)** [karirhub.kemnaker.go.id](https://karirhub.kemnaker.go.id/) - **SOE careers directory** [bumn.go.id](https://bumn.go.id/peluang/karir/karir-bumn) - **SSCASN (BKN)** [sscasn.bkn.go.id](https://sscasn.bkn.go.id/) ## Which careers are similar? - [**Field Sales Executive**](https://kariraman.com/en/careers/field-sales-executive/) - [**Telemarketer**](https://kariraman.com/en/careers/telemarketer/) - [**Account Executive**](https://kariraman.com/en/careers/account-executive/) - [**Real Estate Agent**](https://kariraman.com/en/careers/real-estate-agent/) [See other careers in Finance and accounting](https://kariraman.com/en/careers/category/finance-accounting/) ## Frequently asked questions **Is an insurance agent in Indonesia an employee of the insurer?** Usually not. OJK Regulation 36/2024 Article 16 says agents work under an agency agreement with the insurer. Under Law 13/2003 Article 1 point 15, an employment relationship arises from an employment contract with the elements of work, wages and instructions. An agent paid only by commission is therefore not automatically covered by the minimum wage or registered with BPJS by the insurer. Check the title of what you sign: employment contract or agency agreement. **Do I have to pay for the insurance agent licence exam?** No, not as a condition of being hired: the Ministry of Manpower says a fee in recruitment is almost certainly fraud. OJK Regulations 8/2024 and 36/2024 do not say who pays for agency certification; what they require is a certificate from a professional certification body registered with OJK. Ask the insurer in writing who pays for certification, and never pay an individual recruiter or into a personal account. **Can one person be an agent for two insurance companies?** OJK Regulation 36/2024 Article 17(1) bars an insurer from signing an agent who is still bound by an agency agreement with another insurer in the same line of business and on the same principle, for example two conventional life insurers. For an insurer in a different line or on a different principle, Article 17(2) requires approval from the insurer the agent already works with. **How do I check that an insurance agent or insurer in Indonesia is legitimate?** Ask the agent to show proof of OJK registration and their agency licence, as OJK Regulation 36/2024 Article 18 requires. For life insurance, the life insurance association AAJI offers an agent profile lookup by agent code; for sharia insurance, AASI offers an active-agent search showing the licence number and expiry date. Check the insurer itself on the OJK portal of licensed and supervised entities named by the Satgas PASTI task force. **Is recruiting new agents a pyramid scheme?** Law 7/2014 Article 9 bans pyramid schemes in the distribution of goods. An insurance policy is not a good, but OJK rules set their own limits: OJK Regulation 36/2024 bans strategic job titles in agency structures, and the elucidation of Article 22A says association codes of ethics prohibit, among other things, unreasonable commissions. If the income you are promised comes mainly from fees paid by people you recruit rather than from policies you serve, walk away. **How is an agent different from bancassurance and insurance telemarketing staff?** OJK Regulation 8/2024 Article 48 lists five marketing channels: direct, insurance agents, bancassurance, non-bank business entities and dedicated micro-insurance sales staff. Bancassurance staff sell policies through a bank, while telemarketing uses remote communication, which under Article 50 must state the insurer's identity, the product and the policy terms. Their employment status depends on their contract, so ask at the start. ## Who wrote and reviewed this page? Written by KarirAman editorial team Published 8 October 2026 Updated 8 October 2026 Prepared with AI assistance. Checked against official sources and approved for publication by Kaiser Khan (editor). Approval date: 8 October 2026. ## Sources The facts on this page come from these sources. Dates show when we opened them. 1. [Peraturan OJK Nomor 8 Tahun 2024 tentang Produk Asuransi dan Saluran Pemasaran Produk Asuransi](https://ojk.go.id/id/regulasi/Documents/Pages/POJK-8-Tahun-2024-Produk-Asuransi-dan-Saluran-Pemasaran-Produk-Asuransi/POJK%208%20Tahun%202024%20Produk%20Asuransi%20dan%20Saluran%20Pemasaran%20Produk%20Asuransi.pdf) Otoritas Jasa Keuangan · POJK 8/2024 · accessed 8 October 2026 2. [Peraturan OJK Nomor 36 Tahun 2024 tentang Perubahan atas POJK 69/POJK.05/2016 tentang Penyelenggaraan Usaha Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah](https://www.ojk.go.id/id/regulasi/Pages/POJK-36-2024-Penyelenggaraan-Usaha-Perusahaan-Asuransi,-Asuransi-Syariah,-Perusahaan-Reasuransi,-dan-Reasuransi-Syariah.aspx) Otoritas Jasa Keuangan · POJK 36/2024 · accessed 8 October 2026 3. [SKKNI Perasuransian (Keputusan Menteri Ketenagakerjaan Nomor 12 Tahun 2024)](https://skkni-api.kemnaker.go.id/v1/public/documents/3de62284-adf2-48b3-9408-3a9f6aee2511) Kementerian Ketenagakerjaan (registri SKKNI) · Kepmenaker 12/2024 · accessed 8 October 2026 4. [Pencarian Agen (Asosiasi Asuransi Jiwa Indonesia)](https://aaji.or.id/Agen) Asosiasi Asuransi Jiwa Indonesia (AAJI) · accessed 8 October 2026 5. [Pencarian Agen Aktif (Asosiasi Asuransi Syariah Indonesia)](https://aasi.or.id/cari-agen) Asosiasi Asuransi Syariah Indonesia (AASI) · accessed 8 October 2026 6. [Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan](https://peraturan.bpk.go.id/Download/31128/UU%20Nomor%2013%20Tahun%202003.pdf) JDIH BPK RI · UU 13/2003 Pasal 1 angka 15 · accessed 7 October 2026 7. [PP 36/2021 tentang Pengupahan: Pasal 23, 24 dan 36 (definisi, cakupan dan pengecualian upah minimum)](https://peraturan.go.id/files/pp36-2021bt.pdf) Kementerian Hukum RI (peraturan.go.id) · PP 36/2021 Pasal 23, 24 dan 36 · accessed 7 October 2026 8. [BPJS Ketenagakerjaan: Bukan Penerima Upah (manfaat dan pendaftaran)](https://www.bpjsketenagakerjaan.go.id/bukan-penerima-upah.html) BPJS Ketenagakerjaan · accessed 7 October 2026 9. [Undang-Undang Nomor 7 Tahun 2014 tentang Perdagangan](https://peraturan.go.id/files/uu7-2014bt.pdf) Kementerian Hukum RI (peraturan.go.id) · UU 7/2014 · accessed 7 October 2026 10. [Waspada, Penipuan (Scam) Mengintai Kita. Ayo Lawan dan Hindari! (Booklet Satgas PASTI)](https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Documents/Pages/Booklet-Waspada-Penipuan-Scam-OJK/Booklet%20Waspada%20Penipuan%20Mengintai%20Kita%2c%20Ayo%20Lawan%20dan%20Hindari%21.pdf) Otoritas Jasa Keuangan (Sekretariat Satgas PASTI) · accessed 7 October 2026 11. [Ini 5 ciri-ciri lowongan kerja palsu versi Kemnaker](https://ekonomi.republika.co.id/berita/sq0416423/ini-5-ciriciri-lowongan-kerja-palsu-versi-kemnaker) Republika · official statement via media · accessed 7 October 2026 12. [JDIH Jawa Barat: Kepgub 561/Kep.859-Kesra/2025 tentang UMP Jawa Barat 2026](https://jdih.jabarprov.go.id/page/info/produk/53539/) JDIH Pemerintah Provinsi Jawa Barat · Kepgub Jabar 561/Kep.859-Kesra/2025 · accessed 8 October 2026 13. [Satudata Kemnaker: Upah Minimum Provinsi (UMP) Tahun 2026 (dataset 3005)](https://satudata.kemnaker.go.id/data/kumpulan-data/3005) Kementerian Ketenagakerjaan (Satudata Kemnaker) · accessed 7 October 2026 14. [UMP dan UMK Jabar 2026](https://www.hukumonline.com/berita/a/ump-dan-umk-jabar-2026-lt695805af72d43) Hukumonline · official statement via media · accessed 8 October 2026 15. [Satudata Kemnaker: Upah Minimum Provinsi (UMP) Tahun 2025 (dataset 2252)](https://satudata.kemnaker.go.id/data/kumpulan-data/2252) Kementerian Ketenagakerjaan (Satudata Kemnaker) · accessed 7 October 2026 16. [PP 49/2025 tentang Perubahan Kedua atas PP 36/2021 tentang Pengupahan, Pasal II (ketentuan peralihan upah minimum 2026)](https://peraturan.go.id/files/pp-no-49-tahun-2025.pdf) Kementerian Hukum RI (peraturan.go.id) · PP 49/2025 Pasal II · accessed 7 October 2026 17. [JDIH DKI Jakarta: Keputusan Gubernur Nomor 1142 Tahun 2025 tentang Upah Minimum Provinsi Tahun 2026](https://jdih.jakarta.go.id/dokumen/detail/14763) JDIH Provinsi DKI Jakarta · Kepgub DKI 1142/2025 · accessed 7 October 2026 18. [Kemnaker: Wamenaker apresiasi paket kebijakan kesejahteraan pekerja DKI pascapenetapan UMP 2026](https://kemnaker.go.id/news/detail/wamenaker-apresiasi-paket-kebijakan-kesejahteraan-pekerja-dki-pascapenetapan-ump-2026-bisa-dicontoh-oleh-daerah-lain) Kementerian Ketenagakerjaan · accessed 7 October 2026 19. [BPS: Keadaan Ketenagakerjaan Indonesia Mei 2026 (Berita Resmi Statistik No. 82/08/Th. XXIX)](https://www.bps.go.id/id/pressrelease/2026/08/05/2606/keadaan-ketenagakerjaan-.html) Badan Pusat Statistik · accessed 8 October 2026 20. [Surat Edaran Menteri Ketenagakerjaan Nomor M/6/HK.04/V/2025 tentang Larangan Diskriminasi dalam Proses Rekrutmen Tenaga Kerja](https://jdih.kemnaker.go.id/asset/data_puu/2025senaker006.pdf) JDIH Kementerian Ketenagakerjaan · SE Menaker M/6/HK.04/V/2025 · accessed 8 October 2026 21. [DPR Sahkan UU Pelindungan Ketenagakerjaan (emedia DPR RI, 7 Oktober 2026)](https://emedia.dpr.go.id/news/2026/10/07/dpr-sahkan-uu-pelindungan-ketenagakerjaan-dasco-kado-terindah-untuk-buruh) Dewan Perwakilan Rakyat RI (emedia) · accessed 7 October 2026 22. [Menaker Ungkap Poin Penting UU Pelindungan Ketenagakerjaan yang Wajib Diketahui Pekerja](https://kemnaker.go.id/news/detail/menaker-ungkap-poin-penting-uu-pelindungan-ketenagakerjaan-yang-wajib-diketahui-pekerja) Kementerian Ketenagakerjaan RI · accessed 7 October 2026 23. [6 Ciri Lowongan Kerja Bodong yang Perlu Diwaspadai](https://www.kompas.tv/ekonomi/633153/6-ciri-lowongan-kerja-bodong-yang-perlu-diwaspadai) Kompas TV · official statement via media · accessed 8 October 2026 24. [Waspada! Marak Modus Penipuan Lowongan Admin e-Commerce](https://finance.detik.com/tips-dan-trik/d-7941714/waspada-marak-modus-penipuan-lowongan-admin-e-commerce) detikFinance · third party · accessed 8 October 2026 25. [Pemkot Jaktim Minta Pelamar Waspadai Modus Kerja Palsu (Koran Jakarta)](https://koran-jakarta.com/2026-08-12/pemkot-jaktim-minta-pelamar-waspadai-modus-kerja-palsu) Koran Jakarta · official statement via media · accessed 8 October 2026 26. [Awas Modus Panggilan Interview Kerja, Ini Ciri-cirinya](https://www.bca.co.id/id/informasi/awas-modus/2024/09/18/08/24/Awas-Modus-Panggilan-Interview-Kerja-Ini-Ciri-cirinya) PT Bank Central Asia Tbk (BCA) · third party · accessed 8 October 2026 27. [Niat Cari Kerja di Bali, Pria Sumba Malah Disekap-Disiksa 2 Wanita (detikBali)](https://www.detik.com/bali/hukum-dan-kriminal/d-8524702/niat-cari-kerja-di-bali-pria-sumba-malah-disekap-disiksa-2-wanita) detikBali (detik.com) · official statement via media · accessed 8 October 2026 28. [Polisi Tunggu Pelaporan Korban Kasus Staycation](https://www.medcom.id/nasional/daerah/Wb7zXLaN-polisi-tunggu-pelaporan-korban-kasus-staycation) Medcom.id · official statement via media · accessed 8 October 2026 29. [Waspada Modus Penipuan File APK PPS Pemilu yang Bisa Kuras Rekening](https://www.cnnindonesia.com/ekonomi/20240112093139-78-1048464/waspada-modus-penipuan-file-apk-pps-pemilu-yang-bisa-kuras-rekening) CNN Indonesia · official statement via media · accessed 8 October 2026 30. [Surat Edaran Menteri Ketenagakerjaan Nomor M/5/HK.04.00/V/2025 tentang Larangan Penahanan Ijazah dan/atau Dokumen Pribadi Milik Pekerja/Buruh oleh Pemberi Kerja (salinan dari Disnaker Kota Batam)](https://disnaker.batam.go.id/wp-content/uploads/sites/36/2025/06/DOC-20250522-WA0002.-1.pdf) Dinas Tenaga Kerja Kota Batam (meneruskan SE Menteri Ketenagakerjaan RI) · SE Menaker M/5/HK.04.00/V/2025 · accessed 8 October 2026 **How to cite** KarirAman (2026). Insurance agents in Indonesia: duties, licensing, commission and joining safely. Updated 8 October 2026. https://kariraman.com/en/careers/insurance-agent/ [Report a fake job](https://kariraman.com/en/report-form/) [Report a data problem](mailto:redaksi@kariraman.com?subject=Data%20correction%3A%20https%3A%2F%2Fkariraman.com%2Fen%2Fcareers%2Finsurance-agent%2F&body=Page%3A%20Insurance%20agents%20in%20Indonesia%3A%20duties%2C%20licensing%2C%20commission%20and%20joining%20safely%0AUpdated%3A%208%20October%202026%0A%0AWhat%20needs%20correcting%3A%0A%0ACorrect%20official%20source%20%28link%29%3A%0A) [How we handle corrections](https://kariraman.com/en/contact/#koreksi) ## Related guides - [**Job checker: is this job offer a scam?**](https://kariraman.com/en/check-a-job/) - [**PKWT vs PKWTT: fixed-term and permanent employment contracts in Indonesia**](https://kariraman.com/en/workers-rights/pkwt-pkwtt-employment-contracts/) - [**BPJS Ketenagakerjaan: programmes, employer duties and how to make sure you are registered**](https://kariraman.com/en/workers-rights/bpjs-employment-social-security/) - [**Safe freelancing in Indonesia: comparing platform fees, escrow and common scams**](https://kariraman.com/en/guides/safe-freelancing/) - [**Salary negotiation in Indonesia: the minimum-wage floor and what must be in writing**](https://kariraman.com/en/guides/salary-negotiation/) - [**Hiring discrimination in Indonesia: age limits, appearance, marital status and your rights**](https://kariraman.com/en/workers-rights/hiring-discrimination/) - [**Fresh graduate jobs in Indonesia: first steps, apprenticeships and avoiding fake jobs**](https://kariraman.com/en/guides/fresh-graduate-jobs/) - [Panduan Warga guide to complaining to OJK](https://panduanwarga.org/en/guides/complain-about-financial-service-ojk/) - [Panduan Warga guide to reporting fraud to IASC](https://panduanwarga.org/en/guides/report-financial-fraud-iasc/) - [Panduan Warga guide to Indonesian social insurance](https://panduanwarga.org/en/guides/indonesian-social-insurance/) CariTalent and PanduanHewan are Kode Nirlaba projects; Panduan Warga and The Cast Index are independent publications with the same founder. CourseToJob is a study-guide site with the same owner, run by Elite Digital AI Solutions Ltd. **Change log** - 8 October 2026 : New page: duties, OJK licensing, agency status, commission, rules on agency structures and recruitment red flags.