Your LIC AAO Application Becoming an LIC AAO offers a tough but fulfilling path. The good pay, job safety, status, and career chances make it a goal worth pursuing. Know the rules, learn the test format, and use good study tools like a quality LIC AAO class and past exams. This will boost your odds of getting hired.
LIC: A Top Career Choice The Life Insurance Corporation of India (LIC) is a major financial institution. It offers trust and security to many in India. A job at LIC is a goal for many. The Assistant Administrative Officer (AAO) role is a top entry-level position for this goal. Each year, thousands apply for few spots. This makes it a very hard exam.
This guide helps you if you want this role. It covers all you need for the LIC AAO exam. We will explain LIC AAO pay. We will also cover who can apply. The steps to apply are included. The exam format is reviewed in detail. We also answer common questions. These include “Is LIC AAO easier than SBI PO?” and “Will LIC AAO be held in 2025?”.
Let’s start this path to your LIC career.
Chapter 1: The AAO Job and Pay What is an LIC AAO? An LIC AAO is a gazetted officer. They are hired for different roles. These include Generalist, IT, Accountant, Actuarial, and Rajbhasha. An AAO acts as a management trainee. They receive good training. They handle important tasks. These include management and customer work. It’s a tough job. It offers many chances to learn and grow.
LIC AAO Pay Details The good pay is a big draw. LIC AAO pay follows company rules. It is updated often. The starting pay is about ₹ 53,600 monthly. The pay scale is ₹ 53,600 to ₹ 1,07,025. This is based on recent reports.
Your starting salary is much more than basic pay. The total monthly pay is about ₹ 85,000 to ₹ 95,000. This depends on where you work.
Here are the pay parts for an LIC AAO:
Basic Pay: ₹ 53,600.
Dearness Allowance (DA): This changes each quarter. It fights rising prices. It is about 46% of basic pay.
House Rent Allowance (HRA): This varies by city. It is 8-9% for Y cities. It is 16% for Z cities. It is 24% for X cities.
Other Allowances: These include city allowance and transport allowance. There is also money for furniture and entertainment.
Perks: LIC offers benefits. These include travel leave. Medical help is given for you and your family. You get money for petrol and newspapers.
Gratuity: This follows the Gratuity Act of 1972.
New Pension Scheme (NPS): Both you and LIC pay into this pension plan.
The annual total cost to the company typically falls between ₹12-14 lakhs in the early years. This makes it a very attractive offer in banking and insurance.
Chapter 2: LIC AAO Eligibility – What You Need Before you consider the LIC AAO salary, confirm your eligibility. The company has set rules for age, education, and citizenship.
Citizenship Requirements You must be one of the following:
An Indian citizen, or
A citizen of Nepal or Bhutan, or
A Tibetan refugee who came to India before January 1, 1962, to live permanently, or
Someone of Indian origin who moved from Pakistan, Burma, Sri Lanka, or East African nations to settle in India permanently.
Age Limit (Based on Notification Date) Minimum age is 21 years. Maximum age is 30 years.
Age limits are adjusted per government rules:
SC/ST: add 5 years. OBC: add 3 years. PwBD (Gen): add 10 years. PwBD (SC/ST): add 15 years. PwBD (OBC): add 13 years. Ex-Servicemen: Add actual service time plus 3 years.
Education Requirements (Who Can Apply for LIC AAO?) Required education differs for each role:
AAO (Generalist): Hold a Bachelor’s or Master’s degree in any field from an approved university.
AAO (IT): Need a B.Tech/B.E. in Computer Science/IT, an MCA, or an M.Sc. in Computer Science from an approved university.
AAO (Chartered Accountant): Must have a Bachelor’s degree from an approved university. You must also have passed the final ICAI exam. You should be an Associate Member of ICAI.
AAO (Actuarial): Requires a Bachelor’s degree in any field. You must have passed Paper CT1 and CT5, plus at least four other papers from the Institute of Actuaries of India or the UK Institute and Faculty of Actuaries.
AAO (Rajbhasha): Need a Master’s degree in Hindi or Hindi Translation. English must be a main subject in your Bachelor’s degree. Alternatively, a Master’s degree in English with Hindi as a main subject at the Bachelor’s level works.
Always check the official notice for exact and current eligibility rules.
Chapter 3: LIC AAO vs. SBI PO: Is LIC AAO Simpler? Many candidates face this choice. Both jobs are excellent. Let’s compare them.
Category LIC AAO SBI PO Organizer Life Insurance Corporation of India State Bank of India Job Role Focuses more on insurance products, underwriting, claims, and office tasks. Primarily deals with general banking, customer service, loans, and branch management. Work Pressure Generally more manageable with better work-life balance. Often high pressure with strict targets and a large customer base. Salary Initial LIC AAO salary is usually higher than SBI PO. Starting basic pay is lower. Total compensation may match or exceed after some years. Career Growth Good advancement within the insurance industry. Excellent career path with a large network. Can reach top positions in India’s biggest bank. Exam Difficulty The LIC AAO exam is seen as somewhat easier by many. Competition is high. The syllabus is clearly defined. The SBI PO exam is known to be very tough. Questions are harder, and competition is fierce. It includes Prelims, Mains, and Group Exercises.
The LIC AAO exam is generally seen as somewhat easier than the SBI PO. This is due to question difficulty and fewer stages. However, both exams are highly competitive. Your decision should align with your career goals in banking or insurance.
Chapter 4: Understanding the LIC AAO Exam Structure Knowing the LIC AAO exam pattern is key to success. The selection process has three main parts.
Phase I: Preliminary Exam (Online) This is a qualifying round. Its scores do not count towards the final result.
Section Questions Marks Time
Reasoning Ability 35 35 20 Minutes
Quantitative Aptitude 35 35 20 Minutes
English Language 30 30 20 Minutes
Total 100 100 1 Hour
Note: A penalty of 0.25 marks applies for incorrect answers.
Phase II: Main Exam (Online) This written test is important for interview selection.
Section Questions Marks Time
Reasoning Ability 30 90 40 Minutes
General Knowledge & Current Affairs 30 60 20 Minutes
Professional Knowledge 30 90 40 Minutes
Insurance and Financial Market Awareness 30 60 20 Minutes
English Language (Letter & Essay) 2 25 30 Minutes
Total 122 325 2 Hours 30 Minutes
Note: The English Language test is only for qualifying.
Phase III: Interview Those who pass the Main exam attend an interview. It is worth 60 marks. Final selection combines Main exam and interview scores.
Chapter 5: The LIC AAO Generalist Job Details The Generalist AAO role is the most common. Generalist AAOs handle many duties. These include policy service and claims. Business growth and sales are also part of the job. Risk assessment and underwriting are key tasks. Office management and customer support are also required. You will also implement company directives. Training covers all these areas. This makes you a valuable employee.
Chapter 6: How to Apply for LIC AAO Online The entire application is done online. Follow these steps when the notification is out.
Go to the Official Website: Visit www.licindia.in/careers.
Find the Notice: Look for the “Recruitment of Assistant Administrative Officers (AAO)” link.
New Registration: Click “Apply Online.” Provide basic details. You will get a registration number and password.
Fill the Form: Log in with your details. Complete the application form accurately. Include personal and education data.
Upload Your Files: Upload your photo, signature, and thumbprint. Also, upload a handwritten note. Follow size and format rules.
Pay the Fee: Pay the application fee online. Methods include cards or UPI. The fee is typically ₹ 700 for General/OBC. SC/ST/PwBD candidates pay ₹ 85.
Submit and Save: Check all your entries. Submit the form. Print a copy for your records.
Chapter 7: Post-Exam Analysis: LIC AAO Scores and Final Selection
Following the examinations, LIC publishes the LIC AAO Scorecard for each stage online. Candidates can access their scorecards using their registration credentials. The scorecard details sectional marks and the total score.
A final merit list combines Main Exam marks (scaled from 325 to 100) and Interview marks (scaled from 60 to 100). This combination uses a 4:1 ratio.
Final Score = (Mains Score multiplied by 4/5) + (Interview Score multiplied by 1/5)
Appointments are offered based on merit list rank and candidate location preference.
Chapter 8: Path to Success: Optimal LIC AAO Courses and Study Aids
Self-study is an option. However, a structured LIC AAO course from a recognized coaching center, whether online or in person, offers guidance. It also provides study materials, practice tests, and expert advice. Seek courses that include:
Full syllabus coverage matching the current LIC AAO exam pattern.
Specific focus on Professional Knowledge for your chosen field.
Numerous tests, both topic-specific and full-length.
Analysis of past LIC AAO exam questions.
Key Study Materials: Quantitative Aptitude: RS Agarwal, Arun Sharma, Sarvesh Verma.
Reasoning Ability: RS Agarwal, MK Pandey.
English Language: SP Bakshi’s Objective General English, Wren & Martin.
General Awareness: Daily newspapers like The Hindu and Indian Express, monthly current affairs magazines, and yearbooks.
Professional Knowledge (Generalist): Books on Insurance and Financial Markets, NCERT Commerce texts, and reliable notes.
Valuable Resource: LIC AAO Previous Year Papers and PDFs
Studying past LIC AAO question papers is essential. It reveals exam trends, difficulty levels, and your readiness. Many websites offer free downloadable LIC AAO PDFs of prior papers, subject notes, and current affairs summaries. Make good use of these.
Chapter 9: 2025 LIC AAO Exam Outlook – The Crucial Question
The most recent LIC AAO recruitment notice was issued in January 2023 for 300 positions. Recruitment is not an annual event. It depends on vacancies and the company’s staffing needs.
Will LIC AAO be conducted in 2025?
No official announcement exists yet. However, it is highly likely. LIC is a large company needing new employees regularly due to retirements and growth. Historically, there’s a 2-3 year gap between AAO recruitments. Therefore, a notification in early to mid-2025 is a reasonable prediction for the next recruitment cycle.
Advantage Tip: Do not delay your preparation. Competition is fierce. If you are serious about this exam, begin studying now. Use the previous LIC AAO pattern and syllabus. An early start provides a significant edge.
