LIC AAO 2025

Recruitment of Assistant Administrative Officers (AAO) Generalist-32nd Batch

Life Insurance Corporation of India (LIC) invites online applications from eligible Indian Citizens for appointment to the post of Assistant Administrative Officer (AAO-Generalist). Candidates should apply through On-line mode only. No other means/mode of application will be accepted. 

The tentative schedule of events shall be as under: 

Candidates are required to regularly check authorized LIC website www.licindia.in > Careers for details and updates in respect of the present application. Any information published on the website shall be deemed as being notified “LIC reserves the right to modify the schedule of events in case of any exigencies”. 

Exam Pattern 2025

Phase I: Preliminary Examination:
Preliminary Examination consisting of objective test will be conducted online. The test will have three sections (with separate timings for each section). There will be NO negative marks. Candidates will have to qualify in each of the sections separately

 **English Language test will be of qualifying nature and the marks in the English Language will not be counted for ranking. Candidates equal to 20 times of the number of vacancies in each category, subject to availability, will be shortlisted for  the Main examination.

Phase-II : Main Examination:

Main examination will consist of objective tests for 300 marks and descriptive test for 25 marks. Both the objective and descriptive tests will be online. The objective test will have separate timing for every section. Candidates will have to answer descriptive test by typing on the computer. Descriptive test will be administered immediately after the completion of the objective test. There will be NO negative marks. Candidates have to qualify in each of the sections separately

** Descriptive test of English Language will be of qualifying nature and the marks thereof will not be counted for ranking Descriptive paper of only those candidates will be evaluated who qualify in the objective part of main examination.

LIC reserves the right to modify the structure of the examination which will be intimated through its website. Other detailed information regarding the examination will be given in an Information Handout which will be made available for the candidates to download along with the call letters from the LIC website (www.licindia.in) under the head Careers. Candidate MUST pass in each Section separately and should also obtain minimum marks in the aggregate to qualify for the online examinations (Preliminary and Main) and the interview. The responses (answers) of individual candidates with other candidates would be analyzed to detect patterns of similarity of right and wrong answers. If in the analytical procedure adopted in this regard, it is inferred/concluded that the responses have been shared and scores obtained are not genuine/valid, LIC reserves the right to cancel the candidature of the concerned candidate and the result of such candidates (disqualified) will be withheld. The Corporation shall have the absolute right to conduct, at any stage, a detailed analysis of candidates’ responses— both correct and incorrect—across examinations, for the purpose of detecting patterns indicative of copying, collusion, use of unfair means, or any other malpractice. If, on the basis of such analytical procedures or any other investigative method adopted, the Corporation forms the opinion—whether conclusively proven or not—that a candidate’s scores are not genuine or valid, the candidature shall be cancelled forthwith and such candidate shall stand disqualified. In such cases, the result of the candidate will be withheld permanently, and the Corporation may, at its sole discretion, also debar the candidate from future recruitment processes for such period as it deems appropriate.

The minimum marks to be obtained in each Section is mentioned separately above and cut off marks for each section and in the aggregate shall be decided by LIC. Descriptive test of English Language is of qualifying nature and the marks in this test will not be counted for ranking.

Phase-III: Interview

Marks obtained in the Main Examination only will be considered for shortlisting for interview.
I. Maximum Interview marks are 60 and qualifying marks for EWS, Unreserved and OBC candidates are 30. Qualifying marks for SC/ST/PwBD candidates are 27. Candidates who do not obtain the minimum qualifying marks shall be excluded from further selection process. The decision of LIC in this regard shall be final and binding on the candidates and no correspondence will be entertained in this regard.
II. The number of candidates to be called for interview will be approximately three times the number of vacancies to be filled in, subject to the availability of successful candidates in the online main examination and will be as per their ranking in their respective category.
III. The merit order of such group of candidates shall be as per the total marks in main examination and interview. Further, in case of similar marks of two or more candidates the final ranking will be arrived as follows:
a) As per their additional post graduation qualification (i.e. the person with higher educational qualification will be placed higher in the merit order) and further
b) In case of 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). LIC will not be bound to take all the candidates with similar mark. It will only take candidates as per vacancy notified.
IV. Outstation candidates called for interview shall be entitled for re-imbursement of Second Class Ordinary to and from Railway/Bus Fare by the shortest route from the place of residence to the place of interview to be restricted to the fare by Railway Second Class Sleeper including the Reservation charges.
V. There will be no contingency/waiting list for candidates not declared successful in the main list. 
Marks obtained in Main Examination + marks obtained in Interview will be considered for final merit listing of candidates, subject to minimum marks in both the exam. 

Pre-Recruitment Medical Examination:

Candidates have to qualify for the Mains examination and interview. Shortlisted candidates in final merit list will have to undergo Pre-Recruitment Medical Examination and if found medically fit, will be offered appointment.

Pre-exam training for SC/ST/OBC/PwBD candidates:

SC/ST/OBC/PwBD candidates who wish to avail the benefit of pre examination training may register their name and other details with the Manager (P&IR), Divisional Office of LIC convenient to them within one week of last date of submission of online application. The Divisional Office will inform the registered candidates, the date and venue of the training. Such candidates will have to attend the training at their own cost on the appointed dates and at the venue advised to them. Candidates are required to refer to the website under the tab “Careers” for address of the Divisional Offices of LIC.

How to apply:  

Candidates can apply online from 16.08.2025 to 08.09.2025. No other mode for application will be accepted.
Before applying online, candidates should be ready with/ for the following: 

i. Scan their photograph, signature, thumb impression and handwritten declaration ensuring that both the photograph and signature adhere to the required specifications.
ii. Have a valid personal email ID and mobile no., which should be kept active till the completion of this Recruitment Process. LIC may send call letters for the examination etc. through the registered e-mail ID. In case a candidate does not have a valid personal e-mail ID, he/she should create his/her new e-mail ID and mobile number before applying online and must maintain that email account and mobile number

IMPORTANT POINTS TO BE NOTED BEFORE REGISTRATION

(i) Candidates should scan their :
- photograph (4.5cm × 3.5cm)
- signature (with black ink)
- left thumb impression (on white paper with black or blue ink)
- a hand written declaration (on a white paper with black or blue ink) (text given below)  ensuring that all these scanned documents adhere to the required specifications.
(ii) Signature in CAPITAL LETTERS will NOT be accepted.
(iii) The left thumb impression should be properly scanned and not smudged. (If a candidate is not having left thumb, he/she may use his/ her right thumb for applying.)
(iv) The text for the hand written declaration is as follows –
“I, _______ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”
(v) The above mentioned hand written declaration has to be in the candidate’s hand writing and in English only. If it is written and uploaded by anybody else or in any other language, the application will be considered as invalid. (In the case of Visually Impaired candidates who cannot write they have to get the text of declaration typed and put their left hand thumb impression below the typed declaration and upload the document as per specifications.)
(vi) Keep the necessary details/documents ready to make Online Payment of the requisite application fee/ intimation charges 

APPLICATION FEES/ INTIMATION CHARGES/TRANSACTION CHARGES (NON REFUNDABLE) PAYMENT OF FEE ONLINE: 16.08.2025 to 08.09.2025
GST at applicable rate and Bank Transaction charges for Online Payment of application fees/intimation charges will have to be borne by the candidate. 

Application Registration:

1. Candidates satisfying the conditions of eligibility as on 01.08.2025 are required to go to the LIC’s website www.licindia.in and click on the ‘Careers’ to open the link “ RecruitmentofAAO(Generalist/Specialists/AssistantEngineers)2025”. It redirects the candidates to the online registration page.
2. To register application, choose the tab "Click here for New Registration" and enter Name, Contact details and Email-id. A Provisional Registration Number and Password will be generated by the system and displayed on the screen. Candidate should note down the Provisional Registration Number and Password. An Email & SMS indicating the Provisional Registration number and Password will also be sent.
3. In case the candidate is unable to complete the application form in one go, he / she can save the data already entered by choosing "SAVE AND NEXT" tab. Prior to submission of the online application candidates are advised to use the "SAVE AND NEXT" facility to verify the details in the online application form and modify the same if required. Visually Impaired candidates should fill the application form carefully and verify/ get the details verified to ensure that the same are correct prior to final submission.
4. Candidates are advised to carefully fill and verify the details filled in the online application themselves as no change will be possible/ entertained after clicking the COMPLETE REGISTRATION button
5. The Name of the candidate or his /her Father/ Husband etc. should be spelt correctly in the application as it appears in the Certificates/ Mark Sheet. Any change/alteration found may disqualify the candidature.
6. Validate your details and Save your application by clicking the 'Validate your details' and 'Save & Next' button.
7. Candidates can proceed to upload Photo & Signature as per the specifications
8. Candidates can proceed to fill other details of the Application Form. 

9. Click on the Preview Tab to preview and verify the entire application form before FINAL SUBMIT.
10. Modify details, if required, and click on 'FINAL SUBMIT' ONLY after verifying and ensuring that the photograph, signature uploaded and other details filled by you are correct.
11. Click on 'Payment' Tab and proceed for payment.
12. Click on 'Submit' button.
13. The list of examination centre for preliminary and main examination is given in Annexure-I

LIC AAO Application Fee

 The Category wise Application fees for LIC AAO exam 2025 are given below.

 

LIC AAO Syllabus 2025

LIC AAO Prelims Syllabus 2025

LIC AAO Prelims Syllabus 2025 for Reasoning Ability:  Order and Ranking, Coding-Decoding, Puzzles, Direction Sense, Blood Relation, Syllogism, Seating Arrangements, Machine Input-Output,Inequalities, Alpha-Numeric-Symbol Series, Data Sufficiency, Logical Reasoning
LIC AAO Prelims Syllabus 2025 for English Language:  Reading Comprehension, Fillers, Cloze Test, Sentence Errors, Sentence Improvement, Vocabulary based questions, Jumbled Paragraph, Word Usage, Phrase/Connectors, Paragraph related question (Para connectors, para completion, para restatement, paragraph inference, para filters
LIC AAO Prelims Syllabus 2025 for Quantitative Aptitude:  Data Interpretation (Bar Graph, Line Chart, Tabular, Radar/Web, Pie Chart), Inequalities (Quadratic Equations), Number Series, Approximation and Simplification, Data Sufficiency, Miscellaneous Arithmetic Problems (HCF and LCM, Profit and Loss, Simple Interest & Compound Interest, Problem on Ages, Work and Time, Speed Distance and Time, Probability, Mensuration, Permutation and Combination, Average, Ratio and
Proportion, Partnership, Problems on Boats and Stream, Problems on Trains, Mixture and Alligation, Pipes and Cisterns)

 LIC AAO Mains Syllabus 2025
 Professional Knowledge:  The topics will be as per Posts which would be different for candidates applying for IT, Chartered Accountant, Actuarial, and Rajbhasha posts.

History of India, Indian Economics, Indian Constitution, Geography, Important Days, Books and Authors, Awards, Honors and Recognition,  Countries Capitals and Currencies, Science and Technology, Financial Institutions – National and International, National and International Organizations, Inventions and Discoveries, Finance, Budget, and Five-Year Plans, etc, Current Affairs National and International, Indian Politics

Data Analysis & Interpretation (For Generalists)  Elementary Mathematics, Pie Charts, Bar Graphs, Data Handling, Data Derivation, Data Implementation

Insurance & Financial Market Awareness 
 Latest Policies, Development, Current Banking News & Events Related to Insurance & Financial Market, Business Topics, Finance Topic, History of Banking, History of Insurance, Financial Institutes, Terminologies & Derivations, Various Laws & Policies
 Descriptive Test
 This section shall include Letter Writing and Essay.

LIC AAO Previous Year Cut offs:

The LIC AAO Exam has certain qualifying marks for every stage of the exam i.e, in both the Prelims and Mains Examination. A candidate needs to clear the set cutoffs in order to secure a seat in LIC AAO.

LIC AAO Prelims Cut Off 2023

LIC AAO Mains Cut Off 2023

LIC AAO Final Cut Off 2023

Let’s have a look on the LIC AAO Prelims Cut off marks for 2019 which is tabulated below:

 The LIC AAO Mains Cut off marks for 2019 is tabulated below:

The final result of the LIC AAO consists of the marks obtained by candidates in Mains  and in the Interview round. The category wise final cut off marks for LIC AAO Examination 2019 is tabulated below.

 

 LIC AAO Vacancy 2025

Reservation for Scheduled Castes, Scheduled Tribes, Other Backward Classes, Economically Weaker Section (EWS) and Persons with Benchmark Disabilities shall be as under: 

Abbreviations: SC: Scheduled Caste; ST: Scheduled Tribe; OBC: Other Backward Classes; EWS: Economically Weaker Section; UR: Unreserved; PwBD: Persons with Benchmark Disabilities; LD: Locomotor disability; VI: Visual Impairment; HI: Hearing Impairment; ID: Intellectual disability; MD: Multiple Disability 

The total number of vacancies and the reserved vacancies are provisional and may vary according to the actual requirements of LIC. The reservation under various categories will be as per prevailing Government guidelines at the time of finalization of result. No candidate shall have any vested right to appointment on the basis of the number or distribution of vacancies advertised.

Note: Candidate should apply for ONE post only in respect of post notified on 16.08.2025 for AAO Generalist, Specialists and Assistant Engineer. In case of multiple applications for one post or more posts, the latest valid(completed) application will be retained and the application fee/ intimation charges paid for the other multiple registration(s) will stand forfeited without any reference to the candidate Further, multiple attendance/ appearance by a candidate at the time of interview / joining will result in rejection/ cancellation of candidature, summarily. 

 LIC AAO Vacancy 2023

The official notification for LIC AAO 2025 has not been released yet. Let’s have a look on Previous year’s vacancy details to get an idea of  forthcoming vacancies.

 

Emoluments and Benefits:

Basic pay of Rs.88635/- per month in the scale of Rs. 88635- 4385(14)-150025– 4750(4) –169025 and other admissible allowances as per rules.

Total emoluments at the minimum of the scale, inclusive of House Rent Allowance, City Compensatory Allowance etc. wherever admissible depending upon the classification of the city will be approximately Rs.1,26,000/- per month in ‘A’ Class city. Other benefits are Defined Contributory Pension, Special Allowance for passing III (Insurance Institute of India) Examination and 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 cost of Brief case/leather bags, mobile handset, supply of dailies and magazines and tea/coffee, mobile expenses, furniture reimbursement, maid allowance etc. as per rules. No provision herein shall be construed as creating any vested right in favor of the candidate/employee beyond the date of such modification. 

LIC AAO 2025 Job Profile:

The job profile of a LIC AAO employee is actually a desk job which consists of following activities:
 a. To Supervise and fill claims and settlements of the customers.
 b. Responsible for formulating new schemes and cross checking the already existing policies along with drafting new one.
 c. LIC AAO does the regular inspection of existing facts and points out factual errors (if any).
 d. Responsible for rendering assistance and coordinating with the respective team members along with other departments as well.
 e. To Maintain cordial relations with the customers and providing solutions to their queries/issues.
 f. Needs to complete the assigned tasks on time & inform to department authorities.

LIC AAO Eligibility Criteria 2025

Nationality

The candidate must be either:
 • A Citizen of India,
 • A Subject of Nepal,
 • A Subject of Bhutan,
 • A Tibetan Refugee, or
 • A person of Indian origin who had migrated from Pakistan, Burma, Sri Lanka, East African Countries of Kenya, Uganda, the United Republic
 of Tanzania (Formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia, and Vietnam with the intention of settling in India permanently.

Age Limit:
Minimum Age shall be 21 years (completed) as on 01.08.2025. Maximum age shall not be more than 30 years as on 01.08.2025 (Candidates born not earlier than 02.08.1995 and not later than 01.08.2004 both days inclusive only are eligible ) 

 The category wise Age Relaxation provided to eligible candidates are tabulated below:

NOTE: Ex-servicemen, Commissioned officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCO’s) who have rendered 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within 6 months as on date of notification) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment

Education Qualification

The educational qualifications for the post of AAO (Generalist) is that the candidates must have Bachelor's degree in any discipline from any  recognized Indian University/ Institution.