1. Nationality
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Must be an Indian citizen.
2. Educational Qualification
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A Bachelor’s degree in any discipline from:
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A recognized Indian university established under a statute, or
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A foreign university approved for this purpose, or
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Fellowship of the Insurance Institute of India, Mumbai.
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No equivalent qualifications are accepted.
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Preference may be given to candidates with:
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MBA (Marketing) or
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PG Diploma in Marketing from a recognized institute approved by AICTE.
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3. Age Criteria (as on cut-off date, typically January 1)
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General (Employee Category): 21 to 30 years.
Age Relaxations for Various Categories
| Category | Upper Age Limit |
|---|---|
| SC/ST | 35 years |
| OBC (Non-Creamy Layer) | 33 years |
| LIC Employee (Non-SC/ST/OBC) | 42 years |
| LIC Employee (OBC, Non-Creamy Layer) | 45 years |
| LIC Employee (SC/ST) | 47 years |
| LIC Agent or DSE/FSE (General) | 40 years |
| LIC Agent or DSE/FSE (OBC) | 43 years |
| LIC Agent or DSE/FSE (SC/ST) | 45 years |
| Ex-servicemen | 30 years + years of service, subject to max 45-47 depending on category |
4. Work Experience (Specific to Employee Category)
Candidates applying under the Employee Category must meet the following work experience requirements:
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Urban Areas:
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Minimum 4 years of experience as an Agent or DSE/FSE,
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Plus achievement of a net first-year premium income of at least ₹100,000 on 50 lives per year in any 3 of the immediately preceding 4 financial years.
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Rural Areas:
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Minimum 5 years of experience as an Agent or DSE/FSE,
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Plus a net first-year premium income of at least ₹1,00,000 on 50 lives per year in any 3 of the preceding 5 financial years, with a total net premium of ₹5,00,000.
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5. Open Market Category (For Context)
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No prior experience required.
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Candidates must fulfill standard educational and age criteria.
Summary Table – Employee Category
Key Notes & Recommendations
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Always check the official LIC ADO notification for the exact date used as the age cut-off (commonly January 1 of the exam year) and to confirm details for your batch.
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Make sure your professional experience (as agent or DSE/FSE) is well-documented, including sales records to meet premium income requirements.
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Reserved category applicants, including LIC employees and ex-servicemen, should refer closely to the relaxation table to determine their eligibility.
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Even though education requirement is standard for Employee Category, having a marketing-focused postgraduate qualification can strengthen your application.