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What is LIC AO ?

LIC AO stands for Life Insurance Corporation Administrative Officer. It is a position within the Life Insurance Corporation of India (LIC), one of the largest insurance companies in India. The LIC AO is responsible for various administrative and managerial tasks related to insurance operations, including policy underwriting, claims management, marketing, and customer service. They play a vital role in managing and supervising the overall functioning of LIC branches and ensuring compliance with regulatory guidelines. The LIC AO position offers a challenging and rewarding career opportunity in the insurance sector.

TermLIC AO (Administrative Officer)
Full FormLife Insurance Corporation Administrative Officer
OrganizationLife Insurance Corporation of India (LIC)
Job RoleAdministrative and Managerial Tasks in Insurance Operations
ResponsibilitiesPolicy underwriting, claims management, marketing, customer service, branch management, compliance, etc.
Eligibility CriteriaBachelor’s degree (varies for different specializations)
Age LimitUsually between 21 to 30 years (age relaxation applicable for reserved categories)
ExamLIC AO Exam (Conducted by LIC)
Selection ProcessPreliminary Exam, Main Exam, Interview, and Medical Examination
Pay ScaleVaries as per the position and experience level
Career GrowthOpportunities for promotions and higher positions within LIC
Official Website

Educational Qualification

  1. For Generalist: A candidate must possess a Bachelor’s degree in any discipline from a recognized university.

  2. For Specialist Positions (such as IT, Chartered Accountant, Actuarial, Legal, etc.): The educational qualifications may vary depending on the specialization. Candidates are typically required to have a Bachelor’s degree or equivalent qualification in the respective field.

Exam Paper Pattern

The LIC AO (Administrative Officer) exam pattern typically consists of three stages:
1. Preliminary Exam
2. Main Exam
3. Interview 

Preliminary Exam

SectionNumber of QuestionsMaximum MarksDuration
English Language303020 minutes
Reasoning Ability353520 minutes
Quantitative Aptitude353520 minutes
Total10010060 minutes
  • The LIC AO Preliminary Exam is conducted online (computer-based).
  • The exam consists of multiple-choice questions (MCQs).
  • Each correct answer carries 1 mark.
  • There is a penalty for wrong answers, with a deduction of 0.25 marks for each incorrect response.
  • Candidates must achieve the minimum qualifying marks to be eligible for the Main Exam.

Main Exam

SectionNumber of QuestionsMarksDuration
Reasoning Ability3090120 mins
General Knowledge, Current Affairs3060 
Professional Knowledge (related to chosen specialization)3090 
Insurance and Financial Market Awareness3060 
Data Analysis and Interpretation3090 
Descriptive English (Essay Writing and Letter/Paragraph Writing)25 
  • Each question in the objective-type sections carries 1 mark.
  • There is a negative marking of 0.25 marks for each incorrect answer in the objective-type sections.
  • The descriptive section is evaluated separately and does not have negative marking.
  • The descriptive section generally involves Essay Writing and Letter/Paragraph Writing.
  • The duration of the Main Exam may vary, but it is typically around 2 hours.
  • Candidates are required to qualify in each section and secure the minimum overall cutoff marks.


  • Candidates who qualify in the Main Exam are shortlisted for the Interview stage.
  • The Interview assesses the candidate’s communication skills, personality, knowledge, and suitability for the role of LIC AO.
  • The Interview carries a specific weightage in the final selection process.

LIC AO Syllabus

Preliminary Exam Syllabus

English LanguageReading Comprehension, Cloze Test, Error Spotting, Sentence Improvement, Para jumbles, Fill in the blanks, Vocabulary, Grammar
Reasoning AbilityCoding-Decoding, Syllogism, Blood Relations, Inequality, Seating Arrangement, Puzzles, Direction sense, Alphanumeric Series, Ranking, Input-Output, Verbal Reasoning
Quantitative AptitudeSimplification, Number Series, Data Interpretation, Quadratic Equations, Average, Percentage, Ratio and Proportion, Time and Work, Time and Distance, Profit and Loss, Simple and Compound Interest

Main Exam Syllabus

Reasoning AbilitySeating Arrangement, Puzzles, Data Sufficiency, Blood Relations, Direction Sense, Inequality, Syllogism, Input-Output, Coding-Decoding, Verbal Reasoning, Analytical Reasoning
General Knowledge and Current AffairsBanking Awareness, Financial Awareness, Static GK, Current Affairs (national and international), Awards and Honors, Sports, Books and Authors, Important Days
Professional Knowledge (related to specialization)Insurance and Risk Management, Financial Accounting, Management and Marketing, Legal Aspects, Insurance Products, Underwriting and Claims, Investment, Basic knowledge of computers
Insurance and Financial Market AwarenessInsurance and Risk Management, Types of Insurance, Insurance Terminology, Financial Markets, Banking and Financial Awareness
Data Analysis and InterpretationData Interpretation, Data Sufficiency, Number Series, Data Analysis, Approximation, Quadratic Equations, Arithmetic Problems
Descriptive EnglishEssay Writing, Letter Writing, Precis Writing, Paragraph Writing, Reading Comprehension, Vocabulary, Grammar

Salary Structure

ComponentAmount (Approximate)
Basic PayRs. 32,795 – Rs. 62,315 (Varies by scale)
Dearness Allowance (DA)Based on the percentage of the basic pay
House Rent Allowance (HRA)Varies based on the location of posting
City Compensatory Allowance (CCA)Varies based on the location of posting
Special Allowance7.75% of the basic pay
Other AllowancesIncludes conveyance allowance, medical allowance, etc.
Gross SalaryApproximate range: Rs. 56,000 – Rs. 85,000
Pension, Gratuity, and other benefitsAs per the rules and regulations of LIC

Frequently Asked Questions

LIC AO stands for Life Insurance Corporation Administrative Officer. It is a managerial role in the Life Insurance Corporation of India (LIC) responsible for various administrative and managerial tasks related to insurance operations.

Candidates can apply for LIC AO through the online application process on the official LIC website. They need to fill out the application form, upload necessary documents, and pay the application fee as per the instructions provided.

Yes, there is usually a provision for negative marking in LIC AO exams. For each incorrect answer, a certain fraction of marks (e.g., 1/4th or 1/3rd) is deducted as per the exam pattern.

No, candidates can only apply for LIC AO in a specific specialization or category as mentioned in the official notification. The specialization is chosen at the time of application.

As an LIC AO, the job profile involves tasks such as policy underwriting, claims management, marketing and sales of insurance products, customer service, branch management, supervising administrative operations, ensuring regulatory compliance, and promoting business growth.

LIC AO offers good career growth opportunities. After gaining experience and proving competence, an AO can be promoted to higher-level positions such as Divisional Manager, Zonal Manager, Regional Manager, and ultimately, even become Chairman of LIC.

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