LIC AAO Mock Test, Syllabus & Pattern
Prepare online for the LIC AAO Recruitment Exam. Get access to online mock tests, practice papers, full syllabus, and pattern details.
Hired under LIC for the post of Assistant Administrative Officer.
Recruitment Highlights
- Total Vacancies: 760
- Applicants Volume: 516,076
- Pay Scale / Salary: 88,635 - 1,69,025
- Eligibility Criteria: Graduation
- Last Date to Apply: 2025-09-07
Exam Selection Stages
- Prelims
- Mains
Detailed Exam Syllabus & Criteria
LIC AAO Eligibility 2025: Age Limit & Qualification
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LIC AAO Eligibility 2025
The eligibility criteria for both AAO Generalists and Specialists have been specified in the official notification. Only candidates between 21 to 30 years of age who possess a Bachelor's degree in relevant disciplines will be able to apply. Check out the detailed eligibility on the basis of several parameters in the following subsections:
LIC AAO Age Limit
The age limit for the LIC AAO 2025 exam will be calculated as on 1st January 2025, check out the minimum and maximum LIC AAO Age Limit from the previous cycle:
- Minimum Age: 21 years
- Maximum Age: 30 years
LIC AAO Age Relaxation
The upper age limit of the candidates is relaxable based on the category they belong to. The age relaxation allowed for each of these categories is given below in the table.
| Category | Age Relaxation |
| --- | --- |
| SC/ST | |
| 5 years | |
| OBC | |
| 3 Years | |
| PwBD(Gen) | |
| 10 years | |
| PwBD(SC/ST) | |
| 15 years | |
| PwBD(OBC) | |
| 13 years | |
| ECO/SSCO (GEN) | |
| 5 years | |
| ECO/SSCO (SC/ST) | |
| 10 years | |
| ECO/SSCO (SC/ST) | |
| 8 years | |
| Confirmed LIC employees | |
| Further relaxation of 5 years | |
Also Read: LIC AAO Cut Off
LIC AAO Educational Qualification
The LIC AAO Educational Qualification for the post of both AAO (Generalist) and AAO (Specialist) is that the candidates must have a Bachelor's degree in any discipline from any recognized Indian University/ Institution. Check the post wise qualification criteria below –
LIC AAO Generalist Qualification
AAO Generalists need to possess a Bachelor’s Degree in any discipline to be eligible to apply for LIC AAO Recruitment. Check the qualification criteria below –
| Posts | Education Qualification |
| --- | --- |
| Generalist | |
| Bachelor’s Degree in any discipline from a recognized <br> Indian University/Institution | |
| Posts | |
| Education Qualification | |
| Generalist | |
| Bachelor’s Degree in any discipline from a recognized | |
Indian University/Institution
LIC AAO Specialist Qualification
LIC AAO Specialists need to fulfill educational eligibility based on the domain that they are applying for. Check the post wise qualification criteria below –
| AAO Specialist Posts | Education Qualification |
| --- | --- |
| AAO(Chartered Accountant) | Bachelor’s Degree from a recognized Indian University/Institution and Candidate should have passed Final Examination of Institute of Chartered Accountants of India and completion of Articles as presented by Institute of Chartered Accountants of India |
| AAO(Company Secretary) | Bachelor’s Degree from a recognized Indian University/Institution and a Qualified Member of the Institute of Company Secretaries of India (ICSI) |
| AAO (Actuarial) | Bachelor’s Degree in any discipline from a recognized Indian University/Institution . Candidates should have passed at least 6 papers of the examination conducted by the Institute of Actuaries of India / Institute and Faculty of Actuaries, UK. as on the date of eligibility i.e. 1st August, 2025 |
| AAO (Insurance Specialists) | Bachelor’s Degree in any discipline from a recognized Indian University/ Institution and possessing professional qualification in Life Insurance (Fellowship of Insurance Institute of India (Life), having minimum experience of 5 years and above of working in Life Insurance Companies (regulated by IRDAI) |
| AAO (Legal) | Bachelor’s degree in Law from any University / College recognized by UGC with a minimum of 50% marks or equivalent in the aggregate of all semesters/years. For SC/ST and PwBD candidate minimum required marks shall be 45% in Bachelor’s degree in Law in the aggregate of all semesters/years, against vacancies reserved for such candidates |
LIC AAO Nationality
The candidates who are interested to apply in Life Insurance Corporation of India for the post of Assistant Administrative Officer must be a citizen of India.
LIC AAO Number of Attempts
There is no information added about the number of attempts of a candidate in the LIC AAO Recruitment Notification. However, as long as the candidate satisfies the eligibility criteria he or she is eligible to apply.
LIC AAO Eligibility - Important Points
- The candidates must ensure to satisfy all the eligibility criteria before applying because the LIC will not accept any equivalent educational qualification for eligibility.
- These prescribed qualifications must be from a University or Institute that is recognised by the Government of India. Proper documents should be submitted in order to show that the qualifications are acquired before the 1st of January 2025.
| Read other informative articles about LIC AAO Recruitment 2025 | LIC AAO Admit Card | LIC AAO Study Plan |
| --- | --- | --- |
| LIC AAO Preparation Tips | Check out LIC AAO Complete Online Course <br> We hope that this article was informative enough about the LIC AAO Eligibility 2025. Please ensure to follow the guidelines and satisfy the eligibility criteria for the respective post you want to apply for. In case of any queries, leave a comment below. For information on any Government examination and to prepare for the same, download the Testbook app. | |
| Preparing for LIC AAO? Check out other insurance exams: | LIC ADO | |
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| NIACL Assistant | | |
LIC AAO In-Hand Salary 2025
As per the revised salary structure, the LIC AAO Salary starts with a basic pay of ₹88,635 per month, which, after standard Dearness Allowance, cadre special allowance, HRA, and transport allowance, results in a gross salary of approximately ₹1,20,675. Following deductions for income tax, GIS premium, professional tax, and other contributions, the net LIC AAO in‑hand salary is approximately ₹1,07,222 per month. In a class ‘A’ metro city, the monthly basic salary of an LIC AAO will be Rs. 1,26,000/–.
LIC AAO Salary 2025: Allowances and Benefits
Apart from the monthly basic pay, LIC AAOs enjoy an extensive benefits portfolio as part of their salary package in the form of additional perks and allowances. Core allowances include House Rent Allowance (HRA), City Compensatory Allowance (CCA), Dearness Allowance (DA), and Transport Allowance, all determined by city classification and prevailing norms. These allowances add up to the basic LIC AAO Salary per month to add up to a lucrative compensation package. In addition, LIC AAO officers are entitled to generous benefits including – Defined Contributory Pension, Gratuity, Leave Travel Concession (LTC), Cash Medical Benefits, Group Mediclaim, Group Personal Accident Insurance, Group Insurance, loans for vehicles, meal coupons, reimbursements for briefcases, mobile handsets, daily newspapers, and mobile/furniture support. Check the details of the allowances below -
| Allowances and Benefits Overview | House Rent Allowances (HRA) | Usually provided to the employees to compensate with the cost of living, especially in metropolitan cities. It depends on the area of posting. In the case of big cities, The HRA will be 7%, 8%, 9% of the basic pay. | City Compensatory Allowances | The CCA is also dependent on the city of posting, it might be 3%, 4% or even 0% of the basic LIC AAO pay structure. | Dearness Allowance (DRA) |
| --- | --- | --- | --- | --- | --- |
| The DRA is revised every quarter, depending on the Consumer Price index. This usually gets affected with the rise or fall in inflation. The DRA figures are around 40% of the basic LIC AAO Pay. | | | | | |
LIC AAO Emoluments and Major Details
- Total emoluments in addition to HRA and CCA whenever applicable, on the basis of posting (area wise), will approximately get to INR 1,26,000/- in a month (in-hand) in Class A city like Delhi, Mumbai or Kolkata.
- Candidates also receive other benefits like Defined Contributory Pension, Special Allowance for passing Actuarial Examination, Gratuity, Cash Medical benefit, LTC, Group Mediclaim, Group Personal Assistant Insurance, Vehicle Loan (2 wheeler/4 wheeler), meal coupon, mobile handset, reimbursement towards the cost of briefcase/leather bags, the supply of daily and magazines, mobile expenses, etc, all as per rules.
- Selected candidates as LIC AAO, with two years of post-experience post-qualification on the date of eligibility, are eligible to get two years advance increment.
LIC AAO Salary Slip
An LIC AAO salary slip shows the official breakdown of an Assistant Administrative Officer’s monthly earnings, detailing the basic pay, along with other components like Dearness Allowance (DA), House Rent Allowance (HRA), and transport allowance and monthly gross salary. It also lists mandatory deductions—such as income tax, GIS premium, professional tax, and contributions—arriving at the net (in-hand) salary. This slip serves as an official record that transparently reflects both earnings and subtractions, enabling AAOs to verify their take-home pay every month. Check the LIC AAO salary slip sample below -
LIC AAO Salary 2025 Deductions
An LIC AAO’s net in‑hand salary is calculated after subtracting essential mandatory contributions from their gross monthly earnings. These deductions typically include Income Tax, contributions to the New GI Scheme, Professional Tax, and the GIS premium, all of which directly reduce the final amount the officer takes home each month. Check the LIC AAO Salary deductions below –
| Deduction Type | Amount (₹ per month) |
| --- | --- |
| Income Tax | |
| 10,200 | |
| New GI Scheme | 137.42 |
| Professional Tax | 200 |
| GIS Premium | |
| 2,915 | |
| Total Deductions | |
| 13,452.42 | |
LIC AAO Probation Period
Details regarding LIC AAO Probation Period for the 2025 cycle have been announced with the official notification.
- A newly hired employee gets on to the probation period for one year exactly from the date of joining. The period is extendable for up to 2 years, on the basis of the performance of the candidate.
- It is mandatory for the candidates to be in LIC for a minimum of 4 years including the probation period.
- The maximum branches of the LIC lie in rural areas. So, after being recruited the candidates are placed in the rural locations for at least 3 years, outside their homes.
LIC AAO Posting
LIC AAOs initially undergo a training (induction) period, lasting 12 months, which may extend up to two years based on performance. Post-training, AAOs are posted across LIC’s vast network across India—you could be stationed at branch offices, regional or divisional centers, or even head offices, anywhere in India. While candidates can indicate three preferred locations, assignments depend on organizational requirements; however, female officers are usually posted in their preferred areas, often close to their hometowns. Transfers typically occur every three years, ensuring exposure to varied functions and regions.
Also read - LIC AAO vs SBI PO
LIC AAO Career Growth & Promotion
At LIC, the promotion is not that proactive. However, it is mandatory to serve at least 5 to 7 years to be eligible for the promotion.
1: After having a decent experience for a certain period of time, the candidates can be promoted to Administrative Officer (AO)-Assistant Divisional Manager (ADM)-Divisional Manager- Senior Division Manager- Zonal Manager and so on.
2: There are also scopes of being promoted to other departments, based on the performance and efficiency of the candidates. Some of the major branches are:
- Finance Accounts
- New Business
- Information Technology
- Policy Servicing
- Claims
- Marketing Sales
- Inspection
- Legal
- Actuarial
- Systems
LIC AAO Exam Pattern 2026
The LIC Assistant Administrative Officer (AAO) Exam pattern 2026 is designed to evaluate candidates through a three-stage selection process, each with its distinct pattern and marking scheme. Below is a detailed breakdown of the LIC AAO exam pattern for all three stages of the LIC AAO recruitment process.
- Preliminary Examination
- Main Examination
- Interview
The LIC AAO exam pattern of these phases differs from each other both in terms of questions and weightage of marks. We have mentioned the exam pattern for all three stages below.
LIC AAO Prelims Exam Pattern 2026
The LIC AAO Prelims exam is the first stage of the selection process and will be conducted online. It consists of three sections: Reasoning, Quantitative Aptitude, and English Language, with a total duration of 60 minutes. The English Language section is qualifying in nature and will not be considered for ranking.
| Sections | Number of Questions | Total Marks | Duration |
| --- | --- | --- | --- |
| Reasoning | 35 | 35 | 20 minutes |
| Quantitative Aptitude | 35 | 35 | 20 minutes |
| English Language | 30 | 30** | 20 minutes |
| Total | 100 | 70 | 60 minutes |
LIC AAO Mains Exam Pattern 2026
Candidates who clear the prelims will be shortlisted for the LIC AAO Mains exam. The LIC AAO main exam pattern has two parts: Objective Test (300 marks) and Descriptive Test (25 marks), both conducted online. The descriptive paper will be qualifying in nature and checked only if the candidate clears the objective test.
| Sections | Number of Questions | Total Marks | Duration |
| --- | --- | --- | --- |
| Reasoning | 30 | 90 | 40 minutes |
| General Knowledge, Current Affairs | 30 | 60 | 20 minutes |
| Professional Knowledge | 30 | 90 | 40 minutes |
| Insurance and Financial Market Awareness | 30 | 60 | 20 minutes |
| Total (Objective Test) | 120 | 300 | 120 minutes |
| English Language Descriptive Paper(Communication Skills: Emails, Reports, Situation Analysis & Precis Writing) | 2 | 25 | 30 minutes |
LIC AAO Syllabus 2026
The LIC Assistant Administrative Officer (AAO) 2026 Syllabus is quite broad as it attempts to cover a wide range of topics to test the candidate’s knowledge and skills in different fields. The LIC AAO 2026 Syllabus includes topics such as Reasoning, Quantitative Aptitude, English Language, General Awareness, Data Analysis and Interpretation, and Insurance and Financial Market Awareness. Each of the topics in the LIC AAO 2026 Syllabus is designed to test the candidate’s problem-solving skills, awareness of current happenings, language skills, and awareness of financial markets. Along with the above topics, the candidate also needs to prepare for the Descriptive Test that includes Essay and Letter Writing to test their skills and awareness of current happenings. The LIC AAO Syllabus is given in detail as follows:
LIC AAO Prelims Syllabus 2026
The LIC AAO Preliminary Examination syllabus covers three main sections: Reasoning Ability, Quantitative Aptitude and English Language. It tests candidates on logical reasoning, numerical ability, language proficiency. Each section plays a crucial role in determining the selection.
LIC AAO Reasoning Syllabus
The LIC AAO syllabus for Reasoning, tests candidates' logical thinking and problem-solving skills, covering topics like puzzles, seating arrangements, coding-decoding, and logical reasoning to assess analytical abilities and reasoning aptitude.
| Subject | Topic |
| --- | --- |
| Reasoning | |
| Puzzles | |
| Seating Arrangements | |
| Direction Sense | |
| Blood Relation | |
| Syllogism | |
| Order and Ranking | |
| Coding-Decoding | |
| Machine Input-Output | |
| Inequalities | |
| Alpha-Numeric Symbol Series | |
| Data Sufficiency | |
| Logical Reasoning | |
LIC AAO Quantitative Aptitude Syllabus
The LIC AAO syllabus for Quantitative Aptitude tests candidates' numerical ability, focusing on topics like data interpretation, number series, profit and loss, probability, and other fundamental mathematical.
| Subject | Topic |
| --- | --- |
| Quantitative Aptitude | |
| Data Interpretation | |
| Inequalities (Quadratic Equations) | |
| Number Series | |
| Approximation and Simplification | |
| Data Sufficiency | |
| HCF and LCM | |
| Profit and Loss | |
| SI & CI | |
| Problem on Ages | |
| Work and Time | |
| Speed Distance and Time | |
| Probability | |
| Mensuration | |
| Permutation and Combination | |
| Average, Ratio and Proportion | |
| Partnership | |
| Problems on Boats and Stream | |
| Problems on Trains | |
| Mixture and Alligation | |
| Pipes and Cisterns | |
LIC AAO English Language Syllabus
The LIC AAO English Language syllabus assesses candidates' proficiency in understanding and analyzing the English language. It covers various topics such as reading comprehension, vocabulary, sentence correction, and paragraph analysis. These topics are crucial for scoring well in the English section of the exam.
| Subject | Topic |
| --- | --- |
| English Language | |
| Reading Comprehension | |
| Fillers | |
| Cloze Test | |
| Sentence Errors | |
| Sentence Improvement | |
| Vocabulary based questions | |
| Jumbled Paragraph | |
| Word Usage | Phrase Connectors |
| Paragraph Connectors | |
| Paragraph Restatement | |
| Paragraph Inference | |
| Paragraph Fillers | |
Check out previous year LIC AAO Cut Off
LIC AAO Mains Syllabus
The LIC AAO Main Examination syllabus is designed to evaluate a candidate’s knowledge and skills in various areas essential for the role. It includes subjects like Data Analysis & Interpretation, Insurance and Financial Market Awareness, and Elementary Mathematics. A thorough understanding of these topics is crucial for success in the main exam.
Download LIC AAO Syllabus PDF
LIC AAO Data Analysis & Interpretation Syllabus
The Data Analysis & Interpretation section of the LIC AAO exam Syllabus assesses a candidate's ability to analyze and interpret data presented in various forms. This section includes topics such as pie charts, bar graphs, and data handling, which require strong analytical and numerical skills to solve complex problems.
| Subject | Topic |
| --- | --- |
| Data Analysis & Interpretation | |
| Pie Charts | |
| Bar Graphs | |
| Data Handling | |
| Data Derivation | |
| Data Implementation | |
LIC AAO Insurance and Financial Market Awareness Syllabus
The Insurance and Financial Market Awareness section of the LIC AAO Syllabus focuses on assessing the candidate's knowledge of the insurance industry, financial markets, and related policies. This section includes topics such as the latest policies, banking news, and financial terminology, which require up-to-date awareness of the financial landscape.
| Subject | Topic | Insurance and Financial Market Awareness | Latest Policies |
| --- | --- | --- | --- |
| Development | Current Banking News | Insurance and Financial Market | |
| Business Topics | Finance Topics | History of Banking | |
| History of Insurance | Financial Institutes, Terminologies & Derivations | Various Laws and Policies | |
LIC AAO Elementary Mathematics Syllabus
The Elementary Mathematics section in the LIC AAO Syllabus tests a candidate's ability to solve mathematical problems. This section focuses on basic concepts in arithmetic, algebra, geometry, and mensuration, along with number series. A strong understanding of these topics is essential for scoring well in this section of the exam.
| Subject | Topic |
| --- | --- |
| Elementary Mathematics | |
| Basic Arithmetic | |
| Algebra | |
| Geometry | |
| Number Series | |
| Mensuration | |
Know how to download LIC AAO Admit Card
LIC AAO Descriptive Paper Syllabus
This paper has two sets of questions which are Essay and Letter Writing. Candidates should be updated about Indian and International news and events as the topics of the essay can be asked from the current events about the nation and internationally. There is an option between the formal and informal letter and the candidate can choose one.
For the candidate’s reference, these are some of the topics for essay and letter writing from the LIC AAO exam 2019.
| LIC AAO Syllabus (Descriptive) | Essay | Letter Writing |
| --- | --- | --- |
| Travel Insurance- Benefits | Write an informal letter to a younger friend telling him the importance of retirement pension, who recently got a job. | Financial Security and its Elements |
| Write a formal letter requesting an insurance firm to change the residential address. | What do you prefer? <br> - Insurance or else <br> - Mutual Funds | |
| Write a formal letter to your boss in which you describe the value of group insurance | Attempt LIC AAO 2026 Free Mock Tests | |
| Check out other informative articles about LIC AAO Recruitment 2026 | LIC AAO Previous Year Papers | |
| LIC AAO Study Plan | LIC AAO Eligibility Criteria | |
| LIC AAO Tips | | |
We hope that candidates got an overall understanding of the LIC AAO syllabus. Aspirants can also take references from the books listed above or simply download our Testbook App for free and get the entire study material of the exam, previous year’s question paper, and much more.
Report An Error Latest LIC AAO Updates Last updated: Jun 3, 2026 -> The LIC AAO Final Result 2026 is out on 9th April, on the official website.
-> The LIC AAO Notification 2025 was released at licindia.in on 16th August, 2025.
-> The Life Insurance Corporation has announced 350 vacancies for AAO Generalists and 410 vacancies of Specialists in the LIC AAO Recruitment 2025.
-> Only candidates with a Bachelor's Degree in relevant disciplines are eligible to apply. Check LIC AAO Eligibility Criteria in detail.
-> The LIC AAO Salary is calculated against a pay sclae of Rs. 88,635 to Rs. 1,69,025/-. The salary is same for both AAO Generalists and Specialists.
-> Check the complete Syllabus and Exam Pattern for LIC AAO Prelims and Mains to start your preparation now!
->Candidates can attempt LIC AAO Previous Year Papers to know the difficulty level of the exam and enroll in LIC AAO Test Series to streamline their exam preparation now!
