LIC AAO Highlights 2025
The Life Insurance Corporation of India (LIC) is an Indian state-owned insurance group and investment company headquartered in Mumbai. It is the largest insurance company in the country and thus its recruitment notification is awaited by most of the aspirants.
Being an insurance sector job, most of the aspirants are attracted to this job owing to the facilities, perks, and comforts. Being one of the most awaited exams, the level of the examination is expected to be tough
The Life Insurance Corporation of India has yet to release the LIC AAO (Specialist) notification for the coming year. Once the LIC AAO (Specialist ) Exam recruitment notification is out, aspirants can begin preparing for the exam.
Aspirants interested in the specialized fields need to remember that they can apply for just ‘one’ post among ‘Legal/IT/Chartered Accountant/Actuarial/Rajbhasha’. For further details, take a look at the table below for more details on the LIC AAO Exam:
LIC AAO Highlights 2025
| Conducting Body | LIC |
|---|---|
| Official Website | https://licindia.in/ |
| Name of the Posts | LIC AAO |
| Mode of application | Online |
| Stages of Exam | Three Stages-
|
| Maximum marks & Time duration |
|
| Online Registration and Payment of Online Fees/Intimation Charges 2025 | To be notified later |
| LIC AAO Phase 1 (Preliminary) Online Examination Admit Card 2025 | To be notified later |
| LIC AAO Phase 1 (Preliminary) Online Examination 2025 | To be notified later |
| LIC AAO Phase 2 (Mains) Online Examination Admit Card 2025 | To be notified later |
| LIC AAO Phase 2 (Mains) Online Examination 2025 | To be notified later |
| Number of Vacancies 2023 | 300 |
| Official Notification PDF 2023 | Click Here |
LIC AAO Exam Pattern 2025
To be able to fare well in an examination as tough and important as LIC AAO (Specialist) exam, it is extremely necessary to collect all information related to the exam.
The LIC AAO Specialist exam is expected to be an objective-type online exam. The LIC AAO (Specialist) exam will take place in three phases as mentioned below-
LIC provides great opportunities for career growth and thus the examination for LIC AAO cannot be taken lightly. The LIC AAO (Specialist) exam pattern & Syllabus that can be expected for the LIC AAO Specialist exam for the coming year is given below-
- Phase 1- Preliminary Exam
- Phase 2- Mains Exam
- Phase 3- Interview
Once you have complete knowledge about the LIC AAO exam and its pattern, you must also go through the exam language and marking scheme of the LIC AAO/AE exam to know more.
LIC AAO Prelims Exam Pattern 2025
The prelims of the LIC AAO (Specialist) exam 2025 will be an online test consisting of three sections. All three sections in the LIC AAO (Specialist) Prelims exam are allotted separate sectional timings. The LIC AAO (Specialist) Prelims exam is common for all the posts (Legal/IT/Chartered Accountant/Actuarial/Rajbhasha). Look at the table below for more details on the LIC AAO (Specialist) Prelims exam pattern.
| Name of Test | No. of Questions | Maximum Marks | Medium of Exam | Minimum Qualifying Marks | Duration | |
|---|---|---|---|---|---|---|
| SC/ST | Others | |||||
| Reasoning Ability | 35 | 35 | English & Hindi | 16 | 18 | 20 minutes |
| Quantitative Aptitude | 35 | 35 | English & Hindi | 16 | 18 | 20 minutes |
| English Language with special emphasis on grammar, vocabulary and comprehension | 30 | 30* | English | 9 | 10 | 20 minutes |
| Total | 100 | 100 | 1 hour | |||
Please Note:
The LIC AAO (Specialist) exam will be bilingual in nature i.e. in each section questions will be asked in English and Hindi both. But, the English Language section will be in English only.
English Language Test will be qualifying in nature and therefore marks will not be counted for ranking.
LIC AAO (Specialist) Mains Exam Pattern 2025
The LIC AAO (Specialist) Mains Exam will be held once the result of the prelims of the LIC AAO (Specialist) exam is out. The LIC AAO Mains exam pattern for all types of posts is mostly similar except for a few changes in the number of subjects. The LIC AAO (Specialist) exam pattern is given below.
| Name of Test | No. of Questions | Maximum Marks | Medium of Exam | Minimum Qualifying Marks | Duration | |
|---|---|---|---|---|---|---|
| SC/ST | Others | |||||
| Reasoning Ability | 30 | 90 | English & Hindi | 40 | 45 | 40 minutes |
| General Knowledge, Current Affairs | 30 | 60 | English & Hindi | 27 | 30 | 20 minutes |
| Data Analysis & Interpretation | 30 | 90 | English & Hindi | 40 | 45 | 40 minutes |
| Insurance and Financial Market Awareness | 30 | 60 | English & Hindi | 27 | 30 | 20 minutes |
| Total | 120 | 300 | 2 Hours | |||
| English Language * (Letter writing & Essay) | 2 | 25 | English | 9 | 10 | 30 Minutes |
Please note that the English Language Test in the LIC AAO (Specialist) Mains exam for all posts will be qualifying in nature and therefore marks obtained in this section will not be counted for ranking.
LIC AAO Personal Interview
The candidates who clear the LIC AAO (Specialist) Mains Examination will be called for the Phase 3, i.e. Personal Interview (PI) of the LIC AAO (Specialist) exam. In this stage, they will have to face an interview board where they can be asked questions from any subject/area. A candidate should be ready to face any type of question in the LIC AAO (Specialist)Exam’s Interview stage
LIC AAO (Specialist) Exam Syllabus
Before you start gearing up for the LIC AAO (Specialist) exam, it is necessary to look at the LIC AAO (Specialist) syllabus, which will give you a clear idea of the LIC AAO (Specialist) exam and its level.
LIC AAO (Specialist) Prelims Exam Syllabus
The list of topics covered in the LIC AAO (Specialist) Prelims syllabus is provided below.
| Section | Topics |
|---|---|
| Quantitative Aptitude | Ratio and Proportion, Average, Time and Work, Speed, Distance and Time, Mixture and Allegations, Stocks and Shares, Percentage, Permutation and Combination, Algebra, Trigonometry, Data Interpretation, Mensuration, Probability, Set Theory |
| Reasoning Ability | Inequality, Coding Decoding, Syllogism, Machine Input Output, Data Sufficiency, Circular Arrangement, Linear Arrangement, Floor Puzzle, Scheduling, Verbal Reasoning, Ordering and Ranking, Arrangement and Pattern, Blood Relations, Direction and Distance |
| English | Grammar, Vocabulary, Error Spotting, Comprehension, Passage Making, Jumble Words, Fill in the Blanks, Sentence Framing |
LIC AAO (Specialist) Mains Exam Syllabus
The syllabus for the LIC AAO (Specialist) Mains exam is given below.
| Section | Topics |
|---|---|
| Reasoning Ability | Arrangement & Pattern, Coding-Decoding, Blood Relations, Analogy, Inequalities, Syllogisms, Classification, Data Sufficiency, Input-Output, Linear Arrangement, Alphabet Series, Data Interpretation, Grouping & Selection, Verbal Reasoning, Clock, Venn Diagram, Mirror Images, Calendar |
| General Knowledge & Current Affairs | History of India, Indian Economics, Geography, Indian Constitution, Important Days, Books and Authors, Countries, Capitals, and Currencies, Awards, Honors and Recognition, Science and Technology, Inventions and Discoveries, Financial Institutions – National and International, National and International Organizations, Current Affairs – National and International, Indian Politics |
| Insurance & Financial Market Awareness | Indian Financial System, History of LIC and IRDAI, Indian Banking and Insurance Terms, Banking Committees, Banking and Insurance Abbreviations, Stock Market, Budget, Insurance Sector (Agencies, Headquarters, Jobs, etc.), Indian and International Financial Institutions, Money market and Capital Market, Financial Market Risks, International Monetary Fund, Economic policies, Recession, Insurance Ombudsman, Bancassurance, Private and Public sector Insurance Companies, Government Insurance Schemes |
| English Language | Essay, Letter Writing |
| Professional knowledge- IT | Data Communication and Networking, Database Management System, Operating System, Software Engineering, Data Structure, Compiler Design, Computer Organization and Microprocessor, Object Oriented Programming (OOPS) |
LIC AAO Exam Dates
The Life Insurance Corporation of India has yet to announce the LIC AAO (Specialist) exam date for all the posts. This is because the notification for 2025 is yet to be released. Aspirants need to check the notification and once it is released, they can find all the important details that will help them prepare for the LIC AAO (Specialist) Exam for the coming year.
The LIC AAO Phase 1 (Preliminary) Online Examination will be held first and those who clear phase 1 will be qualified for the LIC AAO Phase 2 (Mains) Online Exam. Once that is also cleared, you will be cleared for the final stage of the LIC AAO Specialist exam which is the interview stage. You can have a look at the table below for last year’s LIC AAO (Specialist) exam dates.
LIC AAO 2025 Exam Dates
| Activity | Dates |
|---|---|
| Online Registration and Payment of Online Fees/Intimation Charges 2025 | To be notified later |
| LIC AAO Phase 1 (Preliminary) Online Examination Admit Card 2025 | To be notified later |
| LIC AAO Phase 1 (Preliminary) Online Examination 2025 | To be notified later |
| LIC AAO Phase 2 (Mains) Online Examination Admit Card 2025 | To be notified later |
| LIC AAO Phase 2 (Mains) Online Examination 2025 | To be notified later |
LIC AAO (Specialist) Salary Structure
An LIC AAO (Specialist) officer is entitled to receive a basic pay of Rs. 53600/- per month on the scale of Rs. 53600- 2645(14) –90630– 2865(4) –102090 and other admissible allowances as per rules. An AAO is eligible for certain emoluments also, inclusive of House Rent Allowance (HRA) & City Compensatory Allowance (CCA) wherever admissible depending upon the classification of the city, which will amount to approximately Rs 92,870/- per month in ‘A’ Class city. The LIC AAO (Specialist) salary details are given below.
| Post | Salary |
|---|---|
| Assistant Administrative Officer (AAO) |
|
LIC AAO (Specialist) Allowances
An AAO/AE will also be eligible to receive other benefits like-
- Defined Contributory Pension,
- Special Allowance for passing Actuarial Examination,
- Gratuity, LTC,
- Cash Medical Benefit,
- Group Mediclaim,
- Group Personal Accident Insurance,
- Group Insurance,
- Vehicle Loan (2-wheeler/4 wheeler) as per rules,
- Meal coupon,
- Reimbursement towards the cost of Briefcase leather bags, mobile handset, the supply of dailies and magazines and tea/coffee, mobile expenses, etc. as per rules.
Probation
Upon selection as an LIC AAO (Specialist) officer, you will be required to serve a probation period of 1 year which can further be extended up to 2 years.
LIC AAO (Specialist) Vacancy
There were no vacancies for the LIC AAO (Specialist) Officer post for a couple of years which has made aspirants a tad tense as they wait for the new notification to be released. Let's look at the LIC AAO (Specialist) vacancies of the previous LIC AAO (Specialist) Exam recruitment. The breakup of the LIC AAO (Specialist) vacancies are given below.
Total Number of Vacancies for (Assistant Engineers (AE) (Civil/Electrical/Structural/ Assistant Architect and MEP.
LIC AAO Posts
| LIC Assistant Engineers Posts | SC | ST | OBC | EWS | UR | TOTAL | PwBD | |||
|---|---|---|---|---|---|---|---|---|---|---|
| LD | VI | HI | ID/MD | |||||||
| AAO (CA) | 6 | 3 | 11 | 4 | 16 | 40 | 1 | - | 1 | 1 |
| AAO (Actuarial) | 4 | 3 | 8 | 3 | 12 | 30 | 1 | - | 1 | 4 |
| AAO (Legal) | 7 | 3 | 10 | 4 | 16 | 40 | 1 | 1 | 1 | 2 |
| AAO (Rajbhasha) | 1 | 1 | 2 | 0 | 4 | 8 | 1 | 1 | 2 | |
| AAO (IT) | 7 | 4 | 14 | 5 | 20 | 50 | 1 | 1 | ||
| Total | 25 | 14 | 45 | 16 | 68 | 168 | 4 | 2 | 5 | 6 |
Important Books for LIC AAO (Specialist) Exam 2025
LIC AAO (Specialist) Exam is quite a popular one among government job aspirants. Therefore, you need to be well-prepared and well- read in every aspect to ensure that you clear the LIC AAO (Specialist) exam in the first attempt.
To be well-read it is extremely important to first collect good study material which will be an important aid in your preparation. Here is a list of some good books that may help you in kick-starting your LIC AAO preparation in a better way.
| Paper | Book | Author/Publisher |
|---|---|---|
| Quantitative Aptitude | Quicker Mathematics | BSC Publications |
| Quantitative Aptitude | RS Agarwal | |
| Class Notes | SS Bharti | |
| Reasoning Ability | A modern approach to verbal & Non-verbal reasoning | R.S. Agarwal |
| Verbal & Non-Verbal Reasoning | S.Chand | |
| Verbal & Non-Verbal Reasoning | Arihant Publication | |
| English Language | Objective General Englis | S.P. Bakshi |
| English Grammar & Composition | S.C. Gupta | |
| English for Competitive Examinations | Wren & Martin | |
| Word Power Made Easy | Norman Lewis | |
| Insurance and Financial Market | Financial Management | Prasanna Chandra or IM Pandey |
| Indian Financial System | Bharti Pathak | |
| Principles of Management | LN Prasad | |
| Organisational Behaviour | SP Robins | |
| General Awareness | General Knowledge 2021 | Manohar Pandey |
| Rapid General Knowledge | Disha Experts | |
| Current Affairs Yearly 2021 | Arihant Experts | |
| The Yearly Current Affairs | Disha Experts |
LIC AAO (Specialist) Previous Year Cut-off
The LIC AAO (Specialist) previous year cutoff will play a very important role for you in your LIC AAO (Specialist) exam preparation. It will make you aware of the minimum attempt that will make your selection possible for LIC AAO Mains. Though this minimum attempt varies from one year to another depending upon the difficulty level.
LIC AAO (Specialist) Prelims Cut Off: 2019
| Sections | UR | EWS | OBC | SC | ST | LD | VI | HI | ID/MD |
|---|---|---|---|---|---|---|---|---|---|
| Reasoning Ability -Qualifying Marks | 18.00 | 18.00 | 18.00 | 16.00 | 16.00 | 16.00 | 16.00 | 16.00 | 16.00 |
| Quantitative Aptitude -Qualifying Marks | 18.00 | 18.00 | 18.00 | 16.00 | 16.00 | 16.00 | 16.00 | 16.00 | 16.00 |
| English Language -Qualifying Marks | 10.00 | 10.00 | 10.00 | 09.00 | 09.00 | 09.00 | 09.00 | 09.00 | 09.00 |
| Prelims - Overall Cut Off | 58.00 | 53.00 | 54.00 | 50.00 | 44.00 | 53.00 | 53.00 | 32.00 | 32.00 |
LIC AAO (Specialist) Mains Cut Off: 2019
| Sections | UR | EWS | OBC | SC | ST | LD | VI | HI | ID/MD |
|---|---|---|---|---|---|---|---|---|---|
| Reasoning Ability -Qualifying Marks | 45.00 | 45.00 | 45.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 |
| General Knowledge, Current Affairs -Qualifying Marks | 30.00 | 30.00 | 30.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 |
| Data Analysis and Interpretation | 45.00 | 45.00 | 45.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 |
| Insurance and Financial Market Awareness -Qualifying Marks | 30.00 | 30.00 | 30.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 |
| English Language -Qualifying Marks | 10.00 | 10.00 | 10.00 | 09.00 | 09.00 | 09.00 | 09.00 | 09.00 | 09.00 |
| Mains - Overall Cut off | 203.00 | 166.00 | 164.00 | 153.00 | 156.00 | 172.00 | 180.00 | 167.00 | 185.00 |
LIC AAO (Specialist) Free Mock Test
Apart from collecting good study material for your upcoming LIC AAO (Specialist) exam, it is equally important to realize that just collecting and mugging up information in your head will not be enough.
You also need to take some time to test what you learn, and thus, ixamBee brings you the LIC AAO (Specialist) mock tests, which are absolutely free. Practice LIC AAO free mock tests at ixamBee and thank us later!
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