LIC ADO Exam Details 2026

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.

Candidates can go through the LIC ADO Syllabus overview table given below.\n\n| LIC ADO Exam Overview | Name of the Organisation | Life Insurance Corporation of India | Post |\n| --- | --- | --- | --- |\n| Apprentice Development Officer | Selection Process | Prelims, Mains, Interview and Medical Test | |\n| LIC ADO Prelims Exam | Number of Questions Marks: 100 MCQs of 70 Marks | Duration - 1 Hour | |\n| LIC ADO Mains Exam | Number of Questions Marks: 160 Questions of 160 Marks | Duration - 2 Hours | Date of Examination |\n| Yet to be announced | Official Website | www.licindia.in | |

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.\nKnow how to Download LIC ADO Result\nLIC ADO Syllabus for Prelims\n 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.\nLIC ADO Prelims Syllabus for Reasoning\nThe 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:\n\n| Subject | Syllabus Topics |\n| --- | --- |\n| Reasoning | |\n| Puzzles | |\n| Seating Arrangement | |\n| Inequalities, Direction Test | |\n| Blood Relation, Syllogism | |\n| Input-Output | |\n| Analogy | |\n| Ranking | |\n| Alphanumeric series | - |\n| Coding-Decoding | |\n| 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. |\n| Subject | |\n| Syllabus Topics | |\n| Numerical Ability | |\n| Ratio & Proportion | |\n| Mensuration | |\n| Percentage | |\n| Average | |\n| Speed | |\n| Time and Distance | |\n| Time and Work | |\n| Permutation and Combination | |\n| Mixture and Alligation | |\n| Data Interpretation | |\n| Probability | |\n| Stocks and Shares | |\n| Simplification and Approximation | |\n| Quadratic Equations | |\n| Inequalities | |\n| Number Series | |\n| Upstream and Downstream | |\n| Pipe and Cistern | |\n| Data Sufficiency | |\n| Partnership | |\n| Profit and Loss | |\n| 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: | |\n| Subject | |\n| Syllabus Topics | |\n| English Language | |\n| Reading Comprehension | |\n| Grammar | |\n| Cloze Test | |\n| Para jumbles | |\n| Fill in the blanks | |\n| Error Spotting | |\n| Paragraph Completion | |\n| Sentence Improvement | - |\n| Vocabulary-based questions | |\n\n Word Usage\n\nKnow the LIC ADO Salary and Job profile!

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:\nLIC ADO Mains Syllabus for Numerical Ability\nThis section checks a candidate’s calculation speed and understanding of basic quantitative concepts. Check the important topics covered under this section below:\n\n| Subject | Topics |\n| --- | --- |\n| Numerical Ability | |\n| Simplification & Approximation | |\n| Number Series | |\n| Inequality (Quadratic & Quantity-based) | |\n| Partnership | |\n| Ratio & Proportion | |\n| Percentage | |\n| Mixtures & Allegations | |\n| Average & Ages | |\n| Time and Work | |\n| Pipe and Cistern | |\n| Simple Interest & Compound Interest | |\n| Time & Distance | |\n| Boat & Stream | |\n| Permutation, Combination & Probability | |\n| Mensuration (2D & 3D) | |\n| 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. |\n| Subject | |\n| Topics | |\n| Reasoning Ability | |\n| Puzzle | |\n| Direction Sense | |\n| Syllogism | |\n| Seating Arrangement | |\n| Input-Output | |\n| Blood Relation | |\n| Data Sufficiency | |\n| Coding-Decoding | |\n| 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: |\n| Subject | |\n| Syllabus | |\n| General Knowledge & Current Affairs | |\n| Current affairs of National & International news | |\n| Indian Current Events | |\n| Banking Awareness | |\n| General Science | |\n| General Knowledge | |\n| Sports | |\n| Banking and Finacial Awareness | |\n| Budget and Five-Year Plans | |\n| Principles of Insurance | |\n| Current events from Sports | |\n| Awards and Honors, Science – Inventions and Discoveries | |\n| Countries, Capitals, and Currencies | |\n| History of India | |\n| Indian Economics | |\n| 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: |\n| Subject | |\n| Syllabus Topics | |\n| Financial Awareness | |\n| Indian Financial Market | |\n| Capital markets and the government | |\n| Stock markets and Bond markets | |\n| Money markets and their role in the financial system | |\n| Mutual Funds | |\n| Insurance Industry | |\n| Regulatory Agencies | |\n| Derivatives markets | |\n| Private investing | |\n| Primary markets | Secondary markets |\n| Study of the foreign exchange interbank market | |\n| Special Statutes for Certain Financial Intermediaries | |\n| 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. |\n| Subjects | |\n| Syllabus Topics | |\n| Insurance Marketing Awareness | |\n| Introduction and History of Life Insurance | |\n| History of General Insurance | |\n| Types of Insurance | |\n| Indian Insurance Market | |\n| Insurance Current Affairs | |\n| Insurance Ombudsman | |\n| Bancassurance and Current insurance schemes | |\n| ULIP (Unit Linked Insurance Plan Public) | Sector Insurance Companies |\n| Glossary of Insurance Terms | Private Sector Insurance Companies. |\n| Employment State Insurance Scheme (ESI) | |\n| Abbreviations related to the Insurance Industry | |\n| Other important topics related to Insurance Awareness | |\n| Schemes related to Insurance | - |\n| Insurance products | |\n| IRDAI regulations | |\n\nKnow how to download the LIC ADO Admit Card

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:\nLIC ADO Prelims Exam Pattern 2026\nPrelims 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.\n\n| Section | Number of questions | Marks |\n| --- | --- | --- |\n| Time | Reasoning Ability | 35 |\n| 35 | 20 Minutes | |\n| Numerical Ability | 35 | 35 |\n| 20 Minutes | English | 30 |\n| 30 | 20 Minutes | |\n| Total | 100 | 70 |\n| 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 | |\n| Number of questions | Marks | |\n| Time Duration | Reasoning Ability & Numerical Ability | 50 |\n| 50 | 120 Minutes | |\n| General Knowledge, Current Affairs and English Language with Special Emphasis on <br> Grammar and vocabulary | 50 | 50 |\n| Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Services | 60 | 60 |\n| Total | 160 | 160 |\n| 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 | |\n| Number of Questions | Marks | |\n| Time Duration | Reasoning Ability & Numerical Ability | 20 |\n| 20 | 120 Minutes | |\n| General Knowledge, Current Affairs and English Language with Special Emphasis on <br> Grammar and vocabulary | 20 | 20 |\n| For LIC Agent - Elements of Insurance and Marketing of Insurance. | 60 | 120 |\n| For LIC Employee - Practice and Principle of <br> Insurance Marketing | Total | 100 |\n| 160 | 2 Hours | |