ADO (Agent Category)

1. Nationality

• Must be an Indian citizen.
  

2. Educational Qualifications

• Required: A Bachelor’s degree in any discipline from a recognized Indian university (established under statute or approved), or a Fellowship from the Insurance Institute of India, Mumbai.

• Preference: Candidates with an MBA (Marketing) or a PG Diploma in Marketing (AICTE-approved) may receive preference.
  

3. Age Limit (as on the cut-off date, typically January 1 of the exam year)

• General Category: 21 to 30 years

• Relaxed Upper Limits:

  • OBC (Non-Creamy Layer): 33 years

  • SC/ST: 35 years

  • LIC Agent (General): 40 years

  • LIC Agent (OBC, Non-Creamy Layer): 43 years

  • LIC Agent (SC/ST): 45 years

  • Ex-servicemen: 30 years plus years of service (up to 45 for OBC, up to 47 for SC/ST, or up to 42 for others)
    

4. Required Work Experience

• Agent Category:

  • Urban Areas: At least 5 years as an LIC Agent or DSE/FSE, plus achieved a net first-year premium income of at least ₹5 Lakh over the immediately preceding 5 financial years, and at least ₹1 Lakh on 50 lives per year in any 3 of those years.

  • Rural Areas: At least 4 years as an LIC Agent or DSE/FSE, plus achieved a net first-year premium income of at least ₹1 Lakh on 50 lives per year in any 3 of the immediately preceding 4 financial years.
    

5. Summary Table – Agent Category Eligibility

6. Additional Notes

• No limit on number of exam attempts, as long as you meet eligibility criteria.
  

• Always refer to the official LIC ADO notification for the precise age cut-off date and updated eligibility details.