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No, if you have a joint life policy with LIC then any one of the two policyholders will be eligible to apply as a policyholder under the Policyholder Reservation Portion category. Whoever among the two is applying for the IPO must have PAN linked with the policy in LIC records. Applicant or bidder also have a Demat account in his/her name, or if you have a joint Demat account then applicant policyholder must be the first or primary holder.
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