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All about LIC Exams 2020

Every year, LIC exams are conducted to recruit thousands of candidates from across India for various domains and the exam is considered the most requested insurance exam in the country. Life Insurance Corporation of India, the largest insurance company in the country. In this article, we will analyze the different positions in the insurance sector to recruit candidates at LIC.

It is a Mumbai-based state-owned insurance company and investment group.

Table of Contents

Recruitment for the 2020 LIC exam

  • LIC agent exam
  • LIC D.O.

Candidates can check the latest notifications about LIC exams and other important government exams conducted in the country. In this article, we will talk about various domains and publications for which the LIC exams are taken. Below are the important dates for the 2020 LIC exams:


HFL (Assistant Manager Legal)           


ADO (tentative dates)

Online registration starting date   

December 2, 2019           

February 25, 2020           

To Be Notified Later

Last date for Application receipt           

December 16, 2019           

March 15, 2020           

To Be Notified Later

LIC Exam date

January 27, 2020           

Prelims: To Be Notified Later

Mains: To Be Notified Later


LIC Exam important dates 2019 are as mentioned in the table:

Important dates of the three LIC Exams 2019:





Online registration starting date   

August 8, 2019           

March 2, 2019

May 20, 2019

Last date for Application receipt           

August 26, 2019           

March 22, 2019           

June 9, 2019

LIC Exam admit Card           

September 9, 2019           

Prelims: May 4, 2019

Mains: June 11, 2019

August 3, 2019

LIC Exam date

October 9th & 10th 2019   

Prelims: May 4, 2019

Mains: June 28, 2019

Prelims: July 6 & July 13, 2019

Mains: August 11, 2019

Revised date: September 22, 2019


Recruitment for the 2020 LIC exam

A large number of highly skilled and skilled workforce becomes important LIC assets each year. LIC publishes recruitment notifications annually for eligible candidates to fill various positions in various domains under different examinations. The process of selecting different exams in the Life Insurance Corporation is mainly done by written exam and interview.

The LIC exam positions are as follows:

  • LIC AAO (Deputy Administrative Officer)
  • LIC ADO (Apprentice Development Officer)
  • LIC HFL (Housing Finance Limited)
  • LIC DSE (Direct Sales Executives)
  • LIC FSE (financial services executives)
  • LIC IRDA exam
  • LIC D.O.
  • NIACL Assistant Exam

LIC Exam for AAO

Administrative Assistant Official (AAO) is one of the most prestigious exams in the insurance industry. The AAO hiring process under the LIC exams is not done annually, but depends on the requirements of the company staff. Recently, LIC posted a notice to recruit 168 eligible candidates to fill AAO positions by 2020. The LIC AAO (Specialist) Notice 2020 was posted on February 25, 2020. AAO at LIC is primarily a clerical job. The work of candidates hired at LIC AAO varies depending on the department in which they work.

LIC publishes the vacancies for the recruitment of LIC AAO in the following tables:

  • Deputy Administrative Officer (generalist)
  • Deputy Administrative Officer (TI)
  • Deputy Administrative Officer (CA)
  • Assistant Administrative Officer (Rajbhasha)
  • Auxiliary administrative officer (actuarial)
  • Deputy Administrative Officer (Legal)

Candidates are encouraged to refer to the LIC AAO exam page for more details on the Assistant Administrative Officer exam.

The 2020 LIC AAO exam schedule is shown below:

Events  Exam Dates

Online Registration    

February 25, 2020

Preliminary Exam Admit Card

To Be Notified Later

Preliminary Exam      

To Be Notified Later

Mains Admit Card      

To Be Notified Later

Mains Exam   

To Be Notified Later


To Be Notified Later


Important dates of LIC exam for AAO recruitment is as mentioned below:

AAO- LIC Exam Schedule 2019           

Important Dates

Notification Release  

March 2, 2019

Last Date to Apply      

March 22, 2019

Admit Card for Preliminary Exam      

April 22, 2019

Preliminary Exam      

May 4, 2019, and May 5, 2019

Admit Card for Mains Exam  

June 11, 2019

Mains Exam   

June 28, 2019


Eligibility for the LIC exam for AAO publication

The LIC exam eligibility criteria for the AAO position are mentioned in the official notice of the 2020 AAO Recruitment Exam published by the governing body. The LIC exam eligibility criteria for the AAO 2020 exam are as mentioned below:

  • Nationality: the candidate must be a citizen of India.
  • Education Qualifications: A graduate degree in any discipline from any government recognized university.
  • LIC AAO age limit: The candidate's minimum age must not be less than 21 years old and it must not be older than 30 years. However, there is an age relaxation for candidates who belong to different categories.

LIC Exam Selection Process for the AAO Position

The AAO selection process for the LIC exam has changed since it was last taken. From last year to this year, no significant changes have been made to the selection process. The selection process for the 2020 recruitment is the same as for the 2019 recruitment. Due to the increase in the number of candidates applying for the LIC AAO exam each year, the lead body added an additional stage to the AAO selection process.

LIC Exams Syllabus And Paper Pattern in AAO

The exam pattern of AAO under LIC exam is divided into four stages:

  • Preliminary Exam
  • Mains Examination
  • Interview
  • Pre-Medical Test

LIC AAO Syllabus and Exam pattern are tabulated below:

LIC AAO Exam Pattern Subjects

Preliminary Exam      

  • Reasoning Ability
  • Quantitative Aptitude
  • English Language

Mains Exam (Legal)

  • Reasoning Ability
  • General Ability and Current Affairs
  • Data Interpretation and Analysis Insurance and Financial Market Awareness
  • Descriptive Paper (Legal Drafting)

Mains Exam ( Rajbhasha/ IT/ Chartered Accountant / Actuarial)

  • Reasoning Ability
  • General Ability and Current Affairs Professional Knowledge Insurance and Financial Market Awareness
  • English Language (Descriptive)


Detailed information about the AAO syllabus and the assistant administrative officer exam pattern can be found on the LIC AAO syllabus page. For better exam preparation, candidates can take the LIC AAO mock tests.

LIC Exam for ADO Post

LIC ADO is a sales clerical job. ADO's job role under the LIC exam requires staff to take responsibility for hiring people as LIC insurance agents and inspecting existing policies. ADO hiring is carried out to fill vacancies for the position of Apprentice Development Officer. The hiring of the LIC Apprentice Development Officer is not an annual process. The last notification for the LIC ADO position was posted on June 1, 2015. Recruitment was open only for Zonal Central Office, Bhopal.

By 2019, LIC had published a notice for the ADO exam to recruit a total of 8,581 people. The 2020 LIC ADO exam is expected to take place in July 2020. However, this date is tentative and until the official notification is published, candidates will not be able to apply for the position online. The important dates of the LIC exam for ADO 2019 are mentioned below:

Name of the conducting body           

Life Insurance Corporation of India

Mode of examination

Online computer-based

Name of the post       

Apprentice Development Officer

Total vacancies          


Release of LIC ADO Prelims result     

29th July 2019

Commencement of LIC ADO Mains Exam     

22 September 2019

Release of admit card

3rd August 2019


Important dates for the LIC ADO exam 2020 are mentioned below:

LIC ADO Exam 2020

Events Exam

Dates (tentative)

Online Application     

To Be Notified Later

Preliminary Exam      

To Be Notified Later

Mains Exam   

To Be Notified Later

Final Result     

To Be Notified Later


Eligibility Criteria for the LIC Exam for ADO

The eligibility criteria to be selected as an LIC Apprentice Development Officer are as follows:

  • Nationality: You must be a citizen of India.
  • Educational qualification: A postgraduate degree from a university in India approved for the Insurance Institute of India scholarship, Mumbai.
  • Age Limit and Relaxation for the LIC Exam: The minimum and maximum ages to be eligible for the ADO exam are 21 years and 30 years.

LIC Exam Syllabus And Exam Pattern For ADO

LIC exam for ADO recruitment consists of three levels:

  • Written Test
    • Phase -I: Preliminary Examination
    • Phase -II: Mains Examination
  • Personal Interview
  • Medical Test

LIC Syllabus for Prelims and Mains exam in ADO is as mentioned below:

The ADO prelims exam in LIC is conducted only for the Open Market category.

The LIC ADO prelims exam has been categorized into three sections:

  • Reasoning
  • Numerical ability
  • English language

The LIC ADO online examination for LIC employee and LIC Agent consists of single-phase only, i.e. the Mains Exam that comprises the objective type of questions. There are several categories for LIC ADO Mains exam, and each category consists of three papers. The groups are as mentioned below:

  • Open Market Categories
  • Agent category
  • Employee Category

The LIC ADO Mains exam syllabus is classified into:

  • Role -I: Reasoning ability and number ability
    • Document II: General knowledge, current affairs and English language
    • Document III: Insurance Marketing

Candidates are suggested to check the detailed information about LIC ADO syllabus for different categories, exam pattern and list of important books for ADO exam. Practicing the LIC ADO mock tests will help candidates to perform better on the exam.

LIC exam for HFL position

Housing Finance Limited-HFL is a trusted and respected sister company of Life Insurance Corporation of India which has its corporate office in Mumbai. HFL provides long-term financing to individuals for the purchase / construction of a flat / house for residential purposes and those engaged in the development of residential buildings for sale in India. The 2019 LIC HFL Recruitment Exam Official Notification was released on August 8, 2019, and applicants await notification of 2020.

LIC HFL recently posted 35 job openings for the Deputy Manager (Legal) position for the 2019-20 year. Below are the important dates for hiring the LIC HFL Assistant Manager:

DSE publication of the LIC exam

The full form of LIC DSE is Direct Sales Executive. LIC conducts annual recruitment of DSE personnel for various LIC Zone Offices purely by contract for three years. The LIC DSE is primarily a marketing job. The person hired is responsible for acquiring new business, providing policy services and other related positions in the areas assigned to him.

Eligibility Criteria for the LIC Exam for DSE Publication

The eligibility conditions for candidates applying for the LIC DSE job are as follows:

  • Bachelor's degree in any discipline from a recognized government university.
  • Preference will be given to candidates with a graduate degree or diploma in Marketing or Management.
  • Excellent English and also a regional language, preferably a local dialect, is desirable.
  • Necessary computer skills like MS Office, PowerPoint, Word, Excel would be an added bonus.

Age Limit for LIC Exam - DSE Publication

Candidates must be a minimum of 21 years old and no more than 35 years old. LIC Exam Program and Work Pattern - DSE Publication. The selection of the candidate for LIC DSE is made on the basis of a written test followed by an interview. Only candidates who qualify for the written test will be called to the interview. The written test in the LIC DSE exam is objective type and covers the following sections. Reasoning sales aptitude test, Numerical ability and General knowledge.

LIC Exam Syllabus And Paper Pattern- DSE Post

Selection of the candidate for LIC DSE is made based on a written test followed by an Interview. Only the candidates who qualify the written test are called for Interview. The written test in LIC DSE exam is of Objective Type covering the following sections.

  • Sales aptitude Test of Reasoning,
  • Numerical Ability and
  • General Knowledge.

Publication of the LIC FSE exam

FSE stands for Financial Services Executives. LIC conducts this exam every year. The selected candidates in the FSE position are primarily a marketing person who must go through the entire assigned area.The job profile, eligibility criteria, syllabus, and exam pattern of the LIC FSE exam is the same as the LIC DSE exam.

  • LIC- IRDA exam
  • IRDA is the acronym for Insurance Regulatory Development Authority.

IRDA is an annual India-wide examination conducted by LIC for the recruitment of insurance agents in insurance companies. This exam is also known as the LIC agent exam.

Eligibility for the LIC exam for IRDA

Candidates must meet the following eligibility criteria to sit for the LIC IRDA exam:

  • The candidate must be a citizen of Indian nationality.
  • Applicants for the LIC IRDA exam must have a passing certificate of 10 + 2 as a minimum academic grade.
  • There is no upper age limit to take the IRDA exam, but the candidate must not be under 18 years of age.

LIC exam program and D.O. Send

The LIC exam for hiring a Development Officer is carried out in two phases:

  • Phase -I: Written exam
  • Phase II: Group discussion and interview

The written exam is a 2 hour paper objective. This exam consists of four sections.

  • Reasoning
  • English language
  • General awareness
  • Numerical ability

Each section contains 50 questions for a total of 200 questions. There is a negative score of (0.25) points for each unsuccessful attempt on the LIC D.O. exam. Candidates scored in the written exam are called for the Group Discussion and Interview round. Candidates shortlisted in the GD and PI round are eligible for the final selection. Candidates must achieve minimum qualifications in both Phase I and Phase II for final selection.

Frequently asked questions about the LIC exams

Q 1. What is LIC AAO's salary?

Ans. The basic salary of an administrative assistant in LIC is Rs. 32,795.

Q 2. Which between LIC ADO and LIC AAO is better?

Ans. The LIC AAO exam is taken for the position of Assistant Administrative Officer and the ADO exam is taken for the position of Apprentice Development Officer. The responsibilities of an ADO include facilitating recruitment training for LIC Agents. On the other hand, the AAO's responsibilities include filing complaints and settlements and formulating new policies.

Q 3. Is there a negative score on the LIC AAO exam?

Ans. As per the LIC 2019 exam notification, the negative grade from the LIC AAO exam was removed.

Q 4. What is LIC ADO's salary?

Ans. Basic salary in LIC for ADO is Rs. 21865.

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