LIC ADO Mock Test, Syllabus & Pattern
Prepare online for the LIC ADO Recruitment Exam. Get access to online mock tests, practice papers, full syllabus, and pattern details.
Hired under LIC for the post of ADO.
Recruitment Highlights
- Total Vacancies: 9394
- Applicants Volume: 400,000
- Pay Scale / Salary: 21,865 - 55,075
- Eligibility Criteria: Bachelor's Degree
- Last Date to Apply: 2023-02-08
Exam Selection Stages
- Prelims
- Mains
Detailed Exam Syllabus & Criteria
Overview
LIC ADO Salary 2025: Life Insurance Corporation (LIC) is a leading Insurance company. It is a dream of many aspirants to work as an Apprentice Development Officer (ADO) in LIC. Candidates that are preparing to appear for the LIC ADO exam must have knowledge of LIC ADO salary. The Basic Pay of a LIC Apprentice Development Officer is ₹ 21,865/- per month along with allowances and additional benefits.
In this article, we have provided all the relevant information regarding the LIC Apprentice Development Officer salary structure, allowances, job profile, career growth, and other benefits that a candidate will receive after getting selected as an ADO in LIC.
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LIC ADO Allowances 2025
Along with the LIC ADO salary, appointed candidates also get some allowances for their basic pay.
- Dearness Allowance (DA): DA is revised every quarter based on the CPI (Consumer Price Index). This LIC AAO salary forms CPI 40% of the Basic Pay.
- House Rent Allowance (HRA): HRA can be 9%, 8%, or 7% of the basic pay depending on the location of the job.
- City Compensatory Allowance (CCA): CCA can be 4%, 3%, or 0%, Depending on the location of the posting.
LIC ADO Other Benefits 2025
Apart from the allowance, a LIC ADO will also receive some other benefits. Have a look at the benefits listed below:
- Gratuity
- LTC
- Group Insurance
- Vehicle Advance
- Mobile Handset
- Attractive Performance Incentives
- Pension Scheme
- Medical Benefit
- Accident Insurance
- Reimbursement
- Supply of Dailies
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LIC ADO Probationary Period 2025
Candidates appointed as Apprentice Development Officers have to go through a probationary period of 1 year. This period can be extended by the authority while supervising the performance of the appointed candidate. During the probationary period, candidates will be paid equal to the basic pay of ₹21,865 per month.
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LIC ADO Exam Pattern for Open Market Category 2025 (Expected)
Selection of Apprentice Development Officer from Open Market Category will be done through two-phase examination.
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Phase-I: LIC ADO Preliminary Exam Pattern
A preliminary Examination consisting of the objective test will be conducted online. The test will have three sections (with separate timings for each section) as follows:
| Section | Name of test | No. of Questions |
| --- | --- | --- |
| Maximum Marks | Medium of exam | |
| Duration | 1 | |
| Reasoning Ability | 35 | 35 |
| English & Hindi | 20 minutes | 2 |
| Numerical Ability | 35 | 35 |
| English & Hindi | 20 minutes | 3 |
| English | 30 | |
| 30** | English | 20 minutes |
| TOTAL | 100 | 70 |
| 1 hour <br> ** English Language Test will be of qualifying nature and the marks in the English Language will not be counted for ranking. <br> Candidates equal to 20 times the number of vacancies in each category, subject to availability, will be shortlisted for the Main examination. <br> Know the LIC ADO Salary and Job profile! <br> Phase-II: LIC ADO Mains Exam Pattern <br> Mains Examination consisting of the objective test will be conducted online. The main examination will consist of objective tests for 150 marks. | Sections | |
| No of Questions | Max Marks | |
| Medium of exam | Duration | |
| Reasoning Ability & Numerical <br> Ability | 50 | 50 |
| English & Hindi | | |
| Paper-II <br> (General Knowledge, Current Affairs and English Language) | 50 | 50 |
| English & Hindi | Total 120 minutes | Paper-III <br> (Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Sector) |
| 60 | 60 | |
| English & Hindi | Total | 160 |
| 160 | - | |
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LIC ADO Exam Pattern for Agents & Employee Category 2025
Selection of Apprentice Development Officer from Agents & Employee Category will be done through a single-phase examination i.e. Main Examination. The Main Examination consisting of the objective test will be conducted online. The main examination will consist of objective tests for 150 marks.
LIC ADO Exam Pattern For Agents Category
| Sections | No of Questions | Max Marks | Medium of exam | Duration |
| --- | --- | --- | --- | --- |
| Reasoning Ability & <br> Numerical Ability | 20 | 20 | English & Hindi | Total 120 minutes |
| General Knowledge, <br> Current Affairs and English <br> Language with Special <br> Emphasis on Grammar and <br> vocabulary | 20 | 20 | English & Hindi | |
| Elements of Insurance and Marketing of Insurance | 60 | 120 | English & Hindi | |
| Total | 100 | 160 | - <br> Check and download the Latest LIC ADO Syllabus <br> LIC ADO Exam Pattern For Employee Category | Sections |
| No of Questions | Max Marks | Medium of exam | Duration | |
| Reasoning Ability & <br> Numerical Ability | 20 | 20 | English & Hindi | Total 120 minutes |
| General Knowledge, <br> Current Affairs and English <br> Language with Special <br> Emphasis on Grammar and <br> vocabulary | 20 | 20 | English & Hindi | |
| Practice and Principle of Insurance Marketing | 60 | 120 | English & Hindi | |
| Total | 100 | 160 | - | - |
LIC ADO Section Wise Marks Weightage
Open Market Category Preliminary Examination:
Open Market Category Main Examination:
Agents Category:
LIC ADO Interview 2025
Marks obtained in the Main Examination only will be considered for shortlisting for interview and marks obtained in Main Examination + marks obtained in Interview will be considered for final merit listing of candidates.
Commensurate to the number of vacancies, LIC reserves the right to fix the eligibility standards in order to restrict the candidates to be called for an interview and also fix the minimum marks to qualify in the interview. Maximum Interview marks are 37.
| Check more articles related to LIC ADO below: | LIC ADO Cut Off | LIC ADO Exam Date | LIC ADO Vacancy | LIC ADO Eligibility | LIC ADO Online Coaching |
| --- | --- | --- | --- | --- | --- |
LIC ADO Tie-Breaking Process 2025
In case of similar marks of two or more candidates, the merit order of such group of candidates shall be as per the aggregate marks in the main examination and interview and further as per their additional post-graduation qualification (i.e. the person with the higher educational qualification will be placed higher in the merit order) and in case of further similarity in educational qualification merit order will be decided on the basis of age, (i.e. senior in age will be placed higher in merit order).
There will be no contingency/waiting list for candidates not declared successful in the main list.
| If you are already preparing for LIC ADO, you should also check articles related to other Insurance Exams below: | LIC AAO | ESIC UDC | LIC HFL | LIC Assistant | NIACL AO Exam |
| --- | --- | --- | --- | --- | --- |
| NIACL Assistant | | | | | |
We hope that the article related to the LIC ADO Exam Pattern 2025 was helpful and informative. We also hope that we have provided the information you were looking for. Candidates can download the Testbook App for more information and guidance in Government Recruitment examinations. Testbook will help aspirants with live classes, online doubt clearing classes, previous year question papers, and many more.
Overview
LIC ADO Syllabus 2026: Life Insurance Corporation (LIC) conducts an exam for the post of Apprentice Development Officer (ADO). The LIC ADO exam will be held in two stages, i.e. Prelims and Mains. Candidates must thoroughly go through the syllabus for each subject to crack the exam. In this article, we have provided the LIC ADO syllabus for all sections, subject by subject, to give candidates a thorough understanding. The syllabus mentioned is the same as last year and is expected to remain the same this year. If there are any changes, they will be updated here.
LIC ADO Syllabus 2026 Overview
Candidates can go through the LIC ADO Syllabus overview table given below.
| LIC ADO Exam Overview | Name of the Organisation | Life Insurance Corporation of India | Post |
| --- | --- | --- | --- |
| Apprentice Development Officer | Selection Process | Prelims, Mains, Interview and Medical Test | |
| LIC ADO Prelims Exam | Number of Questions Marks: 100 MCQs of 70 Marks | Duration - 1 Hour | |
| LIC ADO Mains Exam | Number of Questions Marks: 160 Questions of 160 Marks | Duration - 2 Hours | Date of Examination |
| Yet to be announced | Official Website | www.licindia.in | |
LIC ADO Exam Pattern 2026
The exam will be conducted in two phases for the candidates, viz. Preliminary examination and Main examination. The mains exam pattern is designed separately for three different categories of candidates including Open Market, LIC Employee and LIC Agent. There is no prelims exam for LIC employee and LIC agent. Candidates can check the exam pattern for both stages below:
LIC ADO Prelims Exam Pattern 2026
Prelims Exam comprises of objective test which will be conducted online. The test will have three sections in which English Language test will be of qualifying nature and the marks in English Language will not be counted for ranking.
| Section | Number of questions | Marks |
| --- | --- | --- |
| Time | Reasoning Ability | 35 |
| 35 | 20 Minutes | |
| Numerical Ability | 35 | 35 |
| 20 Minutes | English | 30 |
| 30 | 20 Minutes | |
| Total | 100 | 70 |
| 60 Minutes <br> LIC ADO Mains Exam Pattern 2026 For Open Category <br> The main exam will consist of 160 objective questions for 160 marks for a composite duration of 120 minutes. | Section | |
| Number of questions | Marks | |
| Time Duration | Reasoning Ability & Numerical Ability | 50 |
| 50 | 120 Minutes | |
| General Knowledge, Current Affairs and English Language with Special Emphasis on <br> Grammar and vocabulary | 50 | 50 |
| Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Services | 60 | 60 |
| Total | 160 | 160 |
| 2 Hours <br> LIC ADO Mains Exam Pattern 2026 For LIC Agents Category <br> Selection of Apprentice Development Officer from LIC Agents & LIC Employee Category will be done through a single-phase examination, i.e. Main Examination. It will be an objective test, which will be conducted online for 160 marks. | Section | |
| Number of Questions | Marks | |
| Time Duration | Reasoning Ability & Numerical Ability | 20 |
| 20 | 120 Minutes | |
| General Knowledge, Current Affairs and English Language with Special Emphasis on <br> Grammar and vocabulary | 20 | 20 |
| For LIC Agent - Elements of Insurance and Marketing of Insurance. | 60 | 120 |
| For LIC Employee - Practice and Principle of <br> Insurance Marketing | Total | 100 |
| 160 | 2 Hours | |
LIC ADO Syllabus 2026
The LIC ADO syllabus is designed to assess a candidate’s knowledge and aptitude in several areas, including English language proficiency, general knowledge, insurance awareness, financial market knowledge etc. The LIC ADO selection process consists of two written stages, the Preliminary Exam and the Mains Exam, followed by an Interview and a Medical Test. Scroll down to check the detailed syllabus for both stages.
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LIC ADO Syllabus for Prelims
The LIC ADO Preliminary Exam, the initial step in the hiring process, has three sections: English Language, Reasoning Ability, and Numerical Ability. Below is a list of the LIC ADO Prelims Subject-wise syllabus.
LIC ADO Prelims Syllabus for Reasoning
The reasoning portion of the LIC ADO Prelims exam is significant. This portion is intended to evaluate the candidate's capacity for logical thought, in-depth analysis, and problem-solving. Coding and decoding, seating arrangements, puzzles, blood relations, syllogisms, data sufficiency, and analytical reasoning are just a few of the topics covered in the reasoning section of the exam. The syllabus for the reasoning section is:
| Subject | Syllabus Topics |
| --- | --- |
| Reasoning | |
| Puzzles | |
| Seating Arrangement | |
| Inequalities, Direction Test | |
| Blood Relation, Syllogism | |
| Input-Output | |
| Analogy | |
| Ranking | |
| Alphanumeric series | - |
| Coding-Decoding | |
| Logical Reasoning Topic | Data Sufficiency <br> LIC ADO Prelims Syllabus for Numerical Ability <br> A significant portion of the LIC ADO preliminary test is the numerical skills section. This portion is intended to evaluate the candidate's aptitude for handling numerical issues, comprehending fundamental mathematical ideas, and applying those ideas in practical contexts. Below is a list of the syllabus for the same. |
| Subject | |
| Syllabus Topics | |
| Numerical Ability | |
| Ratio & Proportion | |
| Mensuration | |
| Percentage | |
| Average | |
| Speed | |
| Time and Distance | |
| Time and Work | |
| Permutation and Combination | |
| Mixture and Alligation | |
| Data Interpretation | |
| Probability | |
| Stocks and Shares | |
| Simplification and Approximation | |
| Quadratic Equations | |
| Inequalities | |
| Number Series | |
| Upstream and Downstream | |
| Pipe and Cistern | |
| Data Sufficiency | |
| Partnership | |
| Profit and Loss | |
| Simple and Compound Interest <br> LIC ADO Prelims Syllabus: English Language <br> The exam's English language portion covers a variety of topics, including vocabulary, cloze tests, error spotting, and reading comprehension. Candidates must be proficient in reading comprehension, vocabulary, and fundamental grammatical standards. To improve their language abilities, they should practice answering a variety of English language questions. Since the English language component is time-limited and demands quick comprehension and decision-making, time management is equally crucial when taking it. Overall, passing the LIC ADO prelims test requires having a solid grasp of the English language course. The syllabus for the same is listed in the table below: | |
| Subject | |
| Syllabus Topics | |
| English Language | |
| Reading Comprehension | |
| Grammar | |
| Cloze Test | |
| Para jumbles | |
| Fill in the blanks | |
| Error Spotting | |
| Paragraph Completion | |
| Sentence Improvement | - |
| Vocabulary-based questions | |
Word Usage
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LIC ADO Syllabus for Mains
For Reasoning, Numerical Ability, and English Language, the LIC ADO mains syllabus is mostly the same as the prelims. Insurance Marketing and General Knowledge & Current Affairs are additional topics covered in the main exam. Check the subject-wise syllabus below:
LIC ADO Mains Syllabus for Numerical Ability
This section checks a candidate’s calculation speed and understanding of basic quantitative concepts. Check the important topics covered under this section below:
| Subject | Topics |
| --- | --- |
| Numerical Ability | |
| Simplification & Approximation | |
| Number Series | |
| Inequality (Quadratic & Quantity-based) | |
| Partnership | |
| Ratio & Proportion | |
| Percentage | |
| Mixtures & Allegations | |
| Average & Ages | |
| Time and Work | |
| Pipe and Cistern | |
| Simple Interest & Compound Interest | |
| Time & Distance | |
| Boat & Stream | |
| Permutation, Combination & Probability | |
| Mensuration (2D & 3D) | |
| Data Interpretation (Bar, Line, Pie, Mixed, Missing, Arithmetic, Caselet) | Data Sufficiency <br> LIC ADO Mains Syllabus for Reasoning Ability <br> This section tests how well candidates can identify patterns, analyse statements, solve puzzles, and draw logical conclusions from given information. |
| Subject | |
| Topics | |
| Reasoning Ability | |
| Puzzle | |
| Direction Sense | |
| Syllogism | |
| Seating Arrangement | |
| Input-Output | |
| Blood Relation | |
| Data Sufficiency | |
| Coding-Decoding | |
| Inequalities | Logical Reasoning (Passage Inference, Statement & Assumption, Statement & Conclusion, Argument, Cause & Effect) <br> LIC ADO Mains Syllabus for General Knowledge & Current Affairs <br> The LIC ADO (Apprentice Development Officer) Mains exam includes a significant General Knowledge and Current Affairs subject. This section is intended to test the candidate's broad knowledge and awareness of current events. Additionally, they must be well-versed in fundamental ideas and general knowledge subjects. To stay current on the most recent events and developments, candidates should constantly read newspapers, periodicals, and other pertinent materials. Below is a list of the same syllabus: |
| Subject | |
| Syllabus | |
| General Knowledge & Current Affairs | |
| Current affairs of National & International news | |
| Indian Current Events | |
| Banking Awareness | |
| General Science | |
| General Knowledge | |
| Sports | |
| Banking and Finacial Awareness | |
| Budget and Five-Year Plans | |
| Principles of Insurance | |
| Current events from Sports | |
| Awards and Honors, Science – Inventions and Discoveries | |
| Countries, Capitals, and Currencies | |
| History of India | |
| Indian Economics | |
| Indian Constitution | Indian Politics <br> LIC ADO Mains Syllabus For Financial Awareness <br> A significant portion of the LIC ADO (Apprentice Development Officer) Mains test is the Financial Awareness subject. The purpose of this section is to gauge the candidate's knowledge of various financial terms, goods, and services. The table below contains the list of the curriculum that we have provided: |
| Subject | |
| Syllabus Topics | |
| Financial Awareness | |
| Indian Financial Market | |
| Capital markets and the government | |
| Stock markets and Bond markets | |
| Money markets and their role in the financial system | |
| Mutual Funds | |
| Insurance Industry | |
| Regulatory Agencies | |
| Derivatives markets | |
| Private investing | |
| Primary markets | Secondary markets |
| Study of the foreign exchange interbank market | |
| Special Statutes for Certain Financial Intermediaries | |
| Establishment of FSDC | Financial Stability and Development Council <br> LIC ADO Mains Syllabus for Insurance Marketing <br> An important component of the LIC ADO (Apprentice Development Officer) Mains test is the Insurance Marketing subject. The purpose of this section is to gauge the candidate's comprehension of various insurance products and their sales tactics. Candidates should stay current on the newest insurance products and their marketing tactics as they study for the Insurance Marketing portion. The specifics of the same are provided in the table below. |
| Subjects | |
| Syllabus Topics | |
| Insurance Marketing Awareness | |
| Introduction and History of Life Insurance | |
| History of General Insurance | |
| Types of Insurance | |
| Indian Insurance Market | |
| Insurance Current Affairs | |
| Insurance Ombudsman | |
| Bancassurance and Current insurance schemes | |
| ULIP (Unit Linked Insurance Plan Public) | Sector Insurance Companies |
| Glossary of Insurance Terms | Private Sector Insurance Companies. |
| Employment State Insurance Scheme (ESI) | |
| Abbreviations related to the Insurance Industry | |
| Other important topics related to Insurance Awareness | |
| Schemes related to Insurance | - |
| Insurance products | |
| IRDAI regulations | |
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