The insurance industry in Pakistan is quietly becoming one of the most stable and high-potential career sectors. While many job seekers focus on banking, IT, or government jobs, insurance jobs in Pakistan offer long-term growth, attractive commissions, corporate benefits, and nationwide demand.
With the expansion of life insurance, health insurance, general insurance, and Takaful (Islamic insurance), the sector now provides thousands of employment opportunities for fresh graduates and experienced professionals alike.
In this detailed guide, we will cover everything you need to know about insurance careers in Pakistan, including job types, salaries, required skills, top companies, eligibility criteria, and future scope.
Also Read : Meezan Bank Jobs in Lahore January 2026
Overview of the Insurance Industry in Pakistan
Pakistan’s insurance sector is regulated by the Securities and Exchange Commission of Pakistan (SECP) and includes:
- Life Insurance Companies
- General Insurance Companies
- Health Insurance Providers
- Takaful (Islamic Insurance) Companies
Major cities like Karachi, Lahore, Islamabad, Faisalabad, Multan, and Peshawar are hubs for insurance jobs, while field-based roles are available nationwide.
The industry is growing due to:
- Rising healthcare costs
- Increased awareness of financial security
- Corporate insurance requirements
- Growth of Islamic finance (Takaful)
Types of Insurance Jobs in Pakistan
Insurance jobs are diverse and cater to different education levels and skill sets.
1. Insurance Agent / Sales Executive
This is the most common entry-level role.
Responsibilities:
- Selling insurance policies
- Meeting clients
- Explaining policy benefits
- Achieving sales targets
Who can apply?
- Intermediate, Bachelor’s, or Master’s degree holders
- Strong communication skills
Income:
- Fixed salary + commission
- Monthly earnings can range from PKR 40,000 to 200,000+
2. Life Insurance Officer
Life insurance officers work for companies like State Life, Jubilee Life, and EFU Life.
Duties:
- Policy management
- Client servicing
- Claims coordination
Salary Range:
- PKR 50,000 – 120,000 per month
3. Health Insurance Jobs
Health insurance has seen massive growth after COVID-19.
Common Roles:
- Medical Claims Officer
- Underwriting Officer
- Health Policy Coordinator
Salary:
- PKR 60,000 – 150,000
4. General Insurance Jobs
These include vehicle, property, marine, and travel insurance.
Key Positions:
- Claims Officer
- Risk Analyst
- Underwriter
Salary:
- PKR 70,000 – 180,000
5. Takaful Insurance Jobs in Pakistan
Takaful is Islamic insurance and one of the fastest-growing segments.
Why Takaful?
- Shariah-compliant
- High trust among Muslim clients
- Rapid expansion
Popular Takaful Companies:
- Pak Qatar Takaful
- Dawood Family Takaful
- TPL Takaful
Salary:
- PKR 60,000 – 160,000
Government vs Private Insurance Jobs in Pakistan
Government Insurance Jobs
Example: State Life Insurance Corporation of Pakistan
Pros:
- Job security
- Pension & benefits
- Fixed working hours
Cons:
- Slower promotions
- Limited salary growth
Private Insurance Jobs
Examples: Jubilee Life, EFU, Adamjee, IGI, Allianz EFU
Pros:
- Higher salaries
- Performance bonuses
- Faster career growth
Cons:
- Target-based pressure
Insurance Jobs for Fresh Graduates in Pakistan
Fresh graduates often hesitate to join insurance due to myths. In reality, insurance companies actively hire fresh candidates.
Entry-Level Roles:
- Trainee Sales Officer
- Relationship Officer
- Junior Claims Officer
Preferred Degrees:
- BBA
- MBA
- Commerce
- Economics
- Finance
Starting Salary:
- PKR 35,000 – 60,000
Required Skills for Insurance Jobs
To succeed in insurance jobs in Pakistan, you need a mix of soft and technical skills.
Essential Skills:
- Communication & persuasion
- Customer handling
- Sales & negotiation
- Basic finance knowledge
- Computer literacy
Bonus Skills:
- CRM software
- Digital marketing
- Urdu & English fluency
Insurance Job Salaries in Pakistan (Average)
| Job Title | Monthly Salary (PKR) |
|---|---|
| Insurance Agent | 40,000 – 200,000+ |
| Claims Officer | 60,000 – 120,000 |
| Underwriter | 80,000 – 180,000 |
| Sales Manager | 120,000 – 300,000 |
| Branch Manager | 150,000 – 400,000 |
Note: Salaries vary based on experience, city, and company.
Top Insurance Companies Hiring in Pakistan
Some of the leading insurance employers include:
- State Life Insurance Corporation
- Jubilee Life Insurance
- EFU Life Insurance
- Adamjee Insurance
- IGI Insurance
- TPL Insurance & Takaful
- Allianz EFU
These companies regularly post job openings on their official websites and LinkedIn pages.
How to Apply for Insurance Jobs in Pakistan
Step-by-Step Process:
- Prepare a professional CV
- Highlight communication & sales skills
- Apply via company websites
- Attend interviews and training sessions
Where to Find Jobs:
- Company websites
- Rozee.pk
- Indeed Pakistan
Work From Home & Field Insurance Jobs
Some insurance roles now offer hybrid or work-from-home options, especially for:
- Tele-sales
- Customer support
- Policy renewals
Field jobs remain popular due to commission-based income.
Career Growth & Promotions in Insurance
Insurance careers offer fast promotions for high performers.
Career Path Example:
Insurance Agent → Senior Advisor → Sales Manager → Branch Manager → Regional Head
Unlike many sectors, performance matters more than age or years of service.
Is Insurance a Good Career in Pakistan?
Yes — insurance is a stable, scalable, and respectable career.
Advantages:
- Job availability nationwide
- No age limit
- High earning potential
- Corporate exposure
Challenges:
- Sales pressure
- Public misconceptions
- Target-based roles
Future Scope of Insurance Jobs in Pakistan (2026 & Beyond)
The future of insurance jobs in Pakistan looks very promising due to:
- Digital insurance platforms
- Rising healthcare awareness
- Mandatory vehicle & corporate insurance
- Expansion of Takaful
Experts believe the insurance sector will grow 2x in the next 5–7 years, creating thousands of new jobs.
Final Thoughts
Insurance jobs in Pakistan are no longer just sales roles — they are professional, structured, and financially rewarding careers. Whether you are a fresh graduate, mid-career professional, or someone looking for commission-based income, the insurance industry offers opportunities for everyone.
If you are willing to learn, communicate, and stay consistent, insurance can provide long-term financial stability and career growth.