LIC AAO Eligibility 2026: Age Limit, Qualification and Relaxation

LIC AAO eligibility depends on three things: your educational qualification, your age on the cut-off date and your nationality. For the Generalist post, a bachelor's degree in any discipline and an age of 21 to 30 years were required in the latest verified cycle, with relaxation for reserved categories. Specialist posts add professional qualifications and, for some posts, work experience.

This page uses the 2025 recruitment notification of the Life Insurance Corporation of India, the latest cycle we could verify. We could not confirm a new notification for the next cycle, so the age cut-off date, vacancy-linked rules and qualification deadlines for the next exam may differ. Always check the official notification before applying.

Table of Contents

• LIC AAO eligibility at a glance

• Educational qualification

• Age limit and relaxation

• Nationality and other conditions

• Who is not eligible

• Fee and documents

LIC AAO Eligibility at a Glance

Educational Qualification

For AAO (Generalist), candidates need a bachelor's degree from a university or institution recognised in India. Any discipline is accepted, so students of arts, science, commerce, engineering and law can all apply.

• Result date: Candidates generally need the degree result declared by the cut-off date in the notification. Proof of result is checked at the interview and document verification stage.

• Final-year students: Apply only if the notification allows it. Reports of the 2025 cycle do not mention a provision for candidates awaiting results.

• Marks: No minimum percentage was reported for the Generalist post.

Specialist and AE posts

The Specialist posts ask for a professional qualification, and some need experience. These details are as reported for the 2025 cycle and should be checked against the notification for your post.

Experience requirements and minimum marks for Specialist posts come from a single detailed report, so treat them as tentative and confirm them in the official notification.

Age Limit and Relaxation

Age is counted as on a fixed date in the notification. In the 2025 cycle that date was 1 August 2025.

• Most posts: 21 to 30 years, which means born between 2 August 1995 and 1 August 2004, both dates included.

• AAO (Legal): 21 to 32 years, which means born between 2 August 1993 and 1 August 2004, both dates included.

In the next cycle the reference date will move, so recalculate your age against the new notification. Candidates should keep their matriculation or equivalent certificate ready, since the date of birth on it is normally treated as final.

Age relaxation

Relaxations are not added together beyond what the rules allow, and category certificates must be valid on the cut-off date. The exact combination rules are in the notification.

Nationality and Other Conditions

• Nationality: Candidates should be Indian citizens. LIC's standard wording also covers certain subjects of Nepal or Bhutan and Tibetan refugees under government conditions. Read the exact text in the notification.

• Language: The tests are held in English and Hindi, as reported, with the English section in English only.

• Medical fitness: Selected candidates must pass a pre-recruitment medical examination.

• Character and documents: Selection is subject to verification of documents, certificates and background.

Who Is Not Eligible

• Under age or over age: Candidates outside the age window after relaxation.

• Qualification not complete: Candidates who do not hold the degree, or cannot show the result, by the cut-off date.

• Wrong category claim: Applying under a category without a valid certificate can lead to cancellation.

• Incomplete or false details: Wrong information in the application can lead to disqualification at any stage.

Keep your certificates, photograph and signature ready before you start the application, because errors cannot be corrected easily after submission.

Fee and Documents

In the 2025 cycle, general and other categories paid Rs. 700 plus GST and transaction charges. For SC, ST and PwBD candidates, the original notice listed intimation charges of Rs. 85 plus GST and transaction charges, and some reports mention a waiver through a later corrigendum. Confirm the final fee on the official application page.

check the official notification on licindia.in for the latest rules.