LIC AAO eligibility at a glance
The baseline in the 2025 cycle: be an Indian citizen, be 21–30 years old on 1 August 2025, and hold a bachelor’s degree with the result declared by that date. These are the latest official rules; LIC will fix new reference dates when it notifies the next (33rd) batch.
Nationality
LIC’s 2025 notification invited online applications from eligible Indian citizens. Two points to note:
The notification does not list any other nationality category, such as subjects of Nepal or Bhutan. Fees paid for extra registrations are forfeited, and appearing more than once at the interview or joining leads to cancellation.
Age limit
There is one age band for AAO (Generalist), counted as on 01.08.2025:
| Rule | Detail |
|---|---|
| Minimum age | 21 years (completed) |
| Maximum age | 30 years |
| Date of birth | Not earlier than 02.08.1995 and not later than 01.08.2004 (both dates inclusive) |
Reserved categories get the upper-age relaxations below. Certificates for any relaxation are submitted at the interview, if you are shortlisted, and your category cannot be changed after the online application is registered.
Age relaxation
The upper age limit is relaxed for these categories (para 3 of the 2025 notification):
| Category | Age relaxation |
|---|---|
| SC / ST | 5 years |
| OBC | 3 years |
| PwBD (General) | 10 years |
| PwBD (OBC) | 13 years |
| PwBD (SC / ST) | 15 years |
| Ex-servicemen & commissioned officers incl. ECO / SSCO (General) | 5 years |
| Ex-servicemen & commissioned officers incl. ECO / SSCO (OBC) | 8 years |
| Ex-servicemen & commissioned officers incl. ECO / SSCO (SC / ST) | 10 years |
| Confirmed LIC employees | A further 5 years |
The ex-servicemen relaxation needs 5 years of military service and release on completion of assignment (including those due to complete it within 6 months of the notification) — not by dismissal, by discharge for misconduct or inefficiency, or by invalidment. OBC candidates need a non-creamy layer certificate issued on or after 01.04.2025; creamy-layer OBC candidates apply as Unreserved.
Educational qualification
For AAO (Generalist): a bachelor’s degree in any discipline from a recognised Indian university or institution. The rules that come with it:
Application fee and service conditions
In the 2025 cycle the fee was paid online between 16.08.2025 and 08.09.2025. Before you apply next time, also weigh the service terms LIC attaches to the post.
Application fee
₹700 plus transaction charges and GST for all candidates other than SC/ST/PwBD. SC/ST/PwBD candidates paid nothing: a corrigendum of 05.09.2025 waived their ₹85 intimation charges and refunded them.
OBC & EWS certificates
OBC (non-creamy layer) certificate issued on or after 01.04.2025; EWS Income & Asset Certificate for FY 2024-25, valid for 2025-26. Both are checked at the interview.
Posting & probation
The post is transferable anywhere in India. After training, you serve at least five years in mofussil branches outside your home zone. Probation is one year, extendable to two.
Service bond
An undertaking to serve LIC for at least four years from joining (probation included), with liquidated damages of ₹5 lakh and a stamped, notarised deed of indemnity.
Persons with benchmark disabilities
The notification sets no physical standards for the post. Persons with benchmark disabilities, as defined in section 2(r) of the RPwD Act, 2016, get 4% horizontal reservation under section 34, in these categories:
| Category | Code | Includes |
|---|---|---|
| Locomotor disability | LD | One arm, one leg, both arms, both legs, or one arm and one leg, if independent mobility is not affected; also leprosy cured, cerebral palsy, dwarfism, muscular dystrophy and acid attack victims |
| Visual impairment | VI | As defined in the Schedule of the RPwD Act, 2016 |
| Hearing impairment | HI | Deaf and hard of hearing |
| Intellectual disability | ID | As defined in the Schedule of the RPwD Act, 2016 |
| Multiple disabilities | MD | More than one of the categories above |
2025 PwBD vacancies: LD 4, VI 4, HI 6, ID/MD 6. A recent disability certificate from a competent authority is required. Eligible candidates could use a scribe and get compensatory time of 20 minutes per hour, on the conditions in para 9 of the notification.
Crack LIC AAO with your own daily plan
Daily targets, PYQ-style practice sets & timed mocks — built around the LIC AAO pattern.
Cleared the eligibility check? Start day one
Eligibility gets you to the start line — a plan gets you across it. With no notification out yet, this is the time to build a base: JobSafal turns the LIC AAO syllabus into a daily routine.
Daily study plan
The prelims and mains syllabus sequenced into short daily targets.
PYQ-style practice sets
Six timed LIC AAO sets to check your speed and accuracy.
Timed mocks
Full-length mocks in a timed test interface, with analysis after each attempt.
English & Hindi
Notes and practice in both languages.
