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LIC AAO 2026 — Complete Guide

Life Insurance Corporation of India Assistant Administrative Officer · Life Insurance Corporation of India

Package

₹32,795/month basic + allowances. CTC ~₹8–9 LPA. AAO Scale I.

Difficulty

Medium

Date

Annual — Notification: Feb–March. Prelims: March–April.

Company

Life Insurance Corporation of India

What is LIC AAO?

LIC AAO recruits Administrative Officers for LIC — India's largest insurance company with 25 crore+ policyholders. AAO is the entry-level officer role with clear promotion to Development Officer, Branch Manager and zonal roles. Specialist streams (IT, CA, Legal) also available. Strong government perks.

Eligibility Criteria:

Any graduation (60% general). Age: 21–30 years. Specialist streams need relevant degree (CA, BE, LLB, MBBS).

LIC AAO Exam Pattern 2026

SectionQuestionsDurationMarks
Prelims — Reasoning Ability3520 min35
Prelims — Quantitative Aptitude3520 min35
Prelims — English Language3020 min30
Mains — Reasoning (High Level)3040 min90
Mains — General Knowledge & Current Affairs3520 min35
Mains — Data Analysis & Interpretation3540 min105
Mains — Insurance & Financial Market Awareness3520 min35
Mains — English Language (Descriptive)230 min25
Interviewvaries60

Cutoff Score: Prelims: ~55–65/100. Mains: ~250–280/290 (very competitive). Final: Mains + Interview.

Package on selection: ₹32,795/month basic + allowances. CTC ~₹8–9 LPA. AAO Scale I.

Important Topics for LIC AAO

Life Insurance Products — Term, ULIP, Endowment, Pension PlansIRDAI Regulations & NormsLIC Schemes & ProductsBanking & Finance Current AffairsReasoning — Puzzles, Machine Input-Output, SyllogismsDI — Caselet, Mixed GraphsEnglish Descriptive — Essay + Letter

How to Crack LIC AAO6 Expert Tips

  1. 1

    LIC AAO mains is surprisingly tough — DI at 105 marks requires expert-level preparation.

  2. 2

    Insurance awareness is critical — study LIC products, IRDAI circulars, life insurance concepts.

  3. 3

    LIC has specialist AAO posts for CA, IT, Legal, Medical — apply for matching qualifications.

  4. 4

    Descriptive English (25 marks): practice insurance/finance essay topics specifically.

  5. 5

    LIC AAO interview: know LIC's history, current MD, recent policy changes.

  6. 6

    Mains cutoff is very high — aim to score 270+ out of 290 for safety.

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