LIC AAO Specialist 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 released the LIC AAO (Specialist) notification for this year.
For this recruitment cycle, LIC has released 410 vacancies for AAO (Specialist) across different streams such as Chartered Accountant, Company Secretary, Actuarial, Insurance, and Legal. In addition, 81 posts are open for Assistant Engineers in Civil and Electrical disciplines.
The distribution of vacancies also includes reservations for SC, ST, OBC, EWS, and PwBD candidates, as per government rules.
LIC AAO Specialist Highlights 2025
| Conducting Body | LIC |
|---|---|
| Official Website | https://licindia.in/ |
| Name of the Posts | LIC AAO Specialist |
| Mode of Application | Online |
| Stages of Exam | Three Stages-
|
| Maximum Marks & Time Duration |
|
| Start date for Online Registration & Fee Payment | August 16, 2025 |
| Last date for Online Registration & Fee Payment | September 8, 2025 |
| Download of Call Letter for Online Examination | 7 days before examination |
| LIC AAO Phase 1 (Preliminary) Online Examination 2025 | October 3, 2025 |
| LIC AAO Phase 2 (Mains) Online Examination 2025 | November 8, 2025 |
| Number of Vacancies | 441 |
| Official Notification PDF 2025 | Click Here |
LIC AAO Specialist 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.
Phase I – LIC AAO Specialist Preliminary Exam 2025
- Mode: Online, objective type.
- Duration: 60 minutes.
- Sections: Reasoning Ability, Quantitative Aptitude, and English Language.
- Negative Marking: ¼ mark deduction for every wrong answer.
- The English Language test is qualifying in nature and its marks are not added to the final prelims score.
LIC AAO Prelims Pattern
- Reasoning Ability – 35 questions, 35 marks
- Quantitative Aptitude – 35 questions, 35 marks
- English Language (Grammar, Vocabulary, Comprehension) – 30 questions, 30 marks*
Total: 100 questions, 70 marks, (*English Language is qualifying only)
| Section | Name of the test | Number of Questions | Maximum Marks | Medium of Exam | Cut Off | Duration (Total 60 minutes) |
|---|---|---|---|---|---|---|
| 1 | Reasoning Ability | 35 | 35 | English & Hindi | Sectional Cut offs will be decided by LIC | 20 Minutes |
| 2 | Quantitative Aptitude | 35 | 35 | English & Hindi | 20 minutes | |
| 3 | English Language with special emphasis on grammar, vocabulary and comprehension* | 30 | 30 | English | 20 minutes | |
| Total | 100 | 70 | 60 Minutes | |||
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 (Legal) – Preliminary Exam Pattern
- Mode: Online, Objective type.
- Duration: 60 minutes (1 hour) with separate timing for each section.
- Total Questions: 100.
- Total Marks: 70 (English Language and General Awareness are qualifying).
- Negative Marking: ¼ mark deducted for each wrong answer.
Sections:
- Reasoning Ability – 35 questions, 35 marks, 20 minutes.
- English Language – 35 questions, 35 marks, 20 minutes (qualifying only).
- General Awareness – 30 questions, 30 marks, 20 minutes (qualifying only).
Shortlisting: Candidates around 20 times the number of vacancies will be called for the Mains.
Phase II – LIC AAO Specialist Main Exam 2025
- The LIC AAO mains exam includes objective tests and a descriptive paper. Both are conducted online in a single sitting.
- No negative marking in this stage.
- Candidates must clear each section individually and also secure the overall cut-off.
- The descriptive paper will only be evaluated for those who qualify in the objective test.
Objective Test (150 Marks)
- Reasoning Ability – 30 questions, 30 marks
- General Awareness with special reference to Insurance and Financial Markets – 20 questions, 20 marks
- Professional Knowledge (based on chosen specialization: CA, CS, Actuarial, Insurance, Legal, Engineering) – 50 questions, 100 marks
Descriptive Test (150 Marks after scaling)
- Professional Knowledge Descriptive – 4 questions out of 6, 50 marks (scaled to 150)
- English Language (Essay, Report, Precis, Email Writing) – 2 questions, 25 marks (qualifying only, not counted for ranking)
- Duration: 2 hours 30 minutes (Objective + Descriptive)
| Section | Name of the test | Number of Questions | Maximum Marks | Medium of Exam | Minimum Qualifying Marks | Duration | |
|---|---|---|---|---|---|---|---|
| SC/ST/PWBD | Others | ||||||
| 1 | Reasoning Ability | 30 | 30 | English & Hindi | 13 | 15 | 20 minutes |
| 2 | General Awareness with special reference to Insurance and Financial Market Awareness | 20 | 20 | English & Hindi | 9 | 10 | 10 minutes |
| 3 | Professional Knowledge | 50 | 100 | English & Hindi | 45 | 50 | 30 minutes |
| Total | 100 | 150 | 60 Minutes | ||||
| 4 | Professional Knowledge (Descriptive Paper) | 4 out of 6 questions | 50 # | English & Hindi | # 45% of Total marks | # 50% of Total Marks | 60 Minutes |
| 5 | English Language Descriptive Paper (Communication) | 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 (Legal) – Main Exam Pattern
Mode: Online (Objective + Descriptive, conducted in one sitting).
Duration: 2 hours 30 minutes total.
Negative Marking: No negative marking in the Main Examination.
Structure:
1. Objective Test (150 marks)
Reasoning Ability – 30 questions, 30 marks, 20 minutes.
General Knowledge, Current Affairs, and Insurance/Financial Market Awareness – 30 questions, 30 marks, 20 minutes.
Professional Knowledge (Law) – 50 questions, 90 marks, 40 minutes.
2. Descriptive Test
Professional Knowledge (Descriptive) –
- 4 questions out of 6, carrying 50 marks (scaled to 150 marks).
- Duration: 60 minutes.
- Minimum Qualifying Marks: 45% for SC/ST/PwBD, 50% for others.
English Language (Communication Skills) –
- Includes tasks like essay writing, précis, email, and report drafting.
- 25 marks, 30 minutes.
- Qualifying only; not counted for ranking.
Evaluation Note: The descriptive paper of Professional Knowledge will be evaluated only for candidates who qualify in the Objective Test.
Phase III – Interview for LIC AAO Specialist
- Maximum Marks: 60
Minimum Qualifying Marks:
- UR/EWS/OBC – 30 marks
- SC/ST/PwBD – 27 marks
- Final merit will be based on LIC AAO mains + interview score
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 (Specialist) Salary Structure
The Assistant Administrative Officer (AAO – Specialist) in LIC receives one of the most attractive pay packages in the public sector. As per the official notification, the salary and benefits are as follows:
Basic Pay
- Starting basic pay: ₹88,635/- per month
- Pay scale: ₹88,635 – 4,385(14) – 1,50,025 – 4,750(4) – 1,69,025
This means:
- Annual increments of ₹4,385 for 14 years (till ₹1,50,025)
- Followed by annual increments of ₹4,750 for 4 years (till ₹1,69,025)
Total Emoluments
Approx. ₹1,26,000/- per month in an “A-Class” city (including allowances such as House Rent Allowance, City Compensatory Allowance, etc.).
Perks and Allowances
In addition to the basic pay, AAO Specialists are entitled to a wide range of benefits:
- Defined contributory pension
- Gratuity
- Leave Travel Concession (LTC)
- Cash medical benefits
- Group Mediclaim and Group Insurance
- Group Personal Accident Insurance
- Vehicle loan (2-wheeler/4-wheeler) as per rules
- Meal coupons
- Reimbursement for briefcase/leather bag, mobile handset, furniture, tea/coffee, newspapers, and magazines
- Special allowances for passing professional exams (Insurance Institute of India, Actuarial exams, etc.)
| Post | Salary & Benefits |
|---|---|
| Assistant Administrative Officer (AAO) |
|
LIC AAO (Specialist) Probation Period 2025
After appointment, an Assistant Administrative Officer (Specialist) will be placed on probation for 1 year from the date of joining. This probation may be extended up to 2 years if required, depending on performance and organizational needs.
During probation, candidates will undergo continuous assessment as per LIC’s policies. If a candidate fails to achieve the minimum performance standards, their services may be terminated during this period. The decision of LIC regarding the satisfactory completion of probation is final and binding.
LIC AAO (Specialist) Vacancy
The official notification announces 410 vacancies for the post of Assistant Administrative Officer (Specialist). These openings are spread across different specialist streams.
For AAO (Chartered Accountant), there are 30 posts in total, with 4 seats reserved for Scheduled Castes (SC), 2 for Scheduled Tribes (ST), 7 for Other Backward Classes (OBC), 3 for Economically Weaker Section (EWS), and 14 for Unreserved (UR) candidates.
For AAO (Company Secretary), 10 positions are available. Out of these, 1 seat each is reserved for SC and ST, 2 for OBC, 1 for EWS, and 5 for UR candidates.
For AAO (Actuarial), there are 30 posts. These include 4 seats for SC, 2 for ST, 7 for OBC, 3 for EWS, and 14 for UR candidates.
The majority of the vacancies are in the AAO (Insurance Specialist) category, which has 310 posts. Within this, 45 seats are reserved for SC, 22 for ST, 77 for OBC, 34 for EWS, and 132 for UR candidates.
For AAO (Legal), there are 30 vacancies. This includes 4 for SC, 2 for ST, 7 for OBC, 3 for EWS, and 14 for UR candidates.
In addition to these, LIC has provided horizontal reservation for Persons with Benchmark Disabilities. Out of the total vacancies, 5 are reserved for candidates with Locomotor Disability (LD), 4 for those with Visual Impairment (VI), 4 for Hearing Impairment (HI), and 4 for Intellectual or Multiple Disabilities (ID/MD).
| Post | SC | ST | OBC | EWS | UR | Total |
|---|---|---|---|---|---|---|
| AE (Civil) | 8 | 3 | 13 | 5 | 21 | 50 |
| AE (Electrical) | 4 | 3 | 8 | 3 | 13 | 31 |
| Total | 12 | 6 | 21 | 8 | 34 | 81 |
| Post | SC | ST | OBC | EWS | UR | Total |
|---|---|---|---|---|---|---|
| AAO (CA) | 4 | 2 | 7 | 3 | 14 | 30 |
| AAO (CS) | 1 | 1 | 2 | 1 | 5 | 10 |
| AAO (Actuarial) | 4 | 2 | 7 | 3 | 14 | 30 |
| AAO (Insurance Specialist) | 45 | 22 | 77 | 34 | 132 | 310 |
| AAO (Legal) | 4 | 2 | 7 | 3 | 14 | 30 |
| Total for AAO (Specialist) | 58 | 29 | 100 | 44 | 179 | 410 |
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) 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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