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LIC ADO 2024: Latest News, Eligibility, Salary & Vacancies

February 20, 2024

Table of Contents

Table of Contents

The Life Insurance Corporation of India conducts the LIC Apprentice Development Officer Exam to recruit candidates for the position that involves selling and promoting insurance policies, recruiting and training agents, and developing new business opportunities. The LIC ADO exam is a highly competitive recruitment exam for candidates interested in a career in the insurance sector.

Latest Notification from LIC ADO

  • The LIC ADO 2024 recruitment notification is expected to be released in March 2024.
  • The LIC ADO Result 2023 was released by the Life Insurance Corporation of India (LIC) on June 27, 2023. Candidates have received the LIC ADO Final Result on their registered email addresses.

The exam is held annually and is an opportunity for candidates seeking a secure job in the insurance industry with excellent pay and benefits. The exam tests candidates on their knowledge of insurance products, marketing, and sales, as well as their aptitude for leadership and management. Successful candidates in the LIC ADO exam can look forward to a promising career in the insurance sector with ample opportunities for growth and advancement.


About LIC:

It was set up in India as one of the oldest and largest insurance corporations since 1818. In 1956, LIC became a state-owned Insurance Group and Investment Company that is trusted across the country. LIC has many departments and officers, and it is an integral part of the Indian economy.

LIC ADO 2024: Overview

LIC ADO Full FormLife Insurance Corporation- Apprentice Development Officer
Organization TypeGovernment Autonomous Recruitment Body
Application modeOnline
Exam modeOnline (computer-based test)
VacanciesTo be notified
Exam DatesTo be notified
Exam DurationPreliminary examination- 60 minutes
Mains examination- 120 minutes
Interview Process
SalaryINR 51500/-
LanguagesHindi & English
Exam typeNational level

LIC ADO Notification 2024

LIC ADO 2024 is yet to release the recruitment notification. Candidates can check previous years’ notification below. For all eight zones, LIC published LIC ADO Notification 2023, which lists 9394 openings for Apprentice Development Officer posts.

ZONEEnglish NotificationHindi Notification
NORTHClick HereClick Here
NORTH CENTRALClick HereClick Here
CENTRALClick HereClick Here
EASTClick HereClick Here
SOUTH CENTRALClick HereClick Here
SOUTHERNClick HereClick Here
WESTERNClick HereClick Here
EAST CENTRALClick HereClick Here

LIC ADO Exam Date 2024

LIC ADO Notification 2024To be notified
Online application startsTo be notified
Online application last dateTo be notified
LIC ADO Admit Card 2024To be notified
LIC ADO Prelims ExamTo be notified
LIC ADO Prelims ResultTo be notified
LIC ADO Mains ExamTo be notified
LIC ADO Mains ResultTo be notified
LIC ADO Result 2024To be notified

LIC ADO Application Form 2024

How to Apply for the LIC ADO Examination?

Candidates willing to apply for the LIC ADO exam must visit LIC CAREERS under the heading careers. The candidates can only apply for the post by using the official website. There is no offline application. The candidates are requested to keep all the details like biodata, digital photograph, and signature.

The step-by-step process for applying Online:

  1. Candidates must go to the official website, after which a new screen will appear with various links.
  2. Click on the link titled “ONLINE APPLICATION FOR ADO’s RECRUITMENT EXAM 2024”.
  3. Click on “New registration.”
  4. Enter your name, contact details, and email id, and submit.
  5. A registration number and password will be displayed on the screen, which will be noted for further use.
  6. After verification, click on the “VALIDATE YOUR DETAILS,” “SAVE,” AND “NEXT” buttons.
  7. Upload your passport-size photograph and signature.
  8. Review the application before finally submitting the application & click on the Next button.
  9. Click on the “Payment” button to pay the application fees & then click on submit button, which finally submits the application form.

LIC ADO Application Fee 2024:

The LIC ADO Application Fee is different for candidates. The application fee depends on the reservation category you have applied with. If you have an Unreserved Category or Other Backward Classes, the application fee is Rs 600/-. For everyone else, Scheduled Caste, Scheduled Tribes, and Economically Weaker Section all have an application fee of Rs 50/-

The fees structure is in the below table:

CategoryApplication fee for LIC ADO
Scheduled Caste/ Scheduled Tribe (SC/ST)Rs. 50(application fee)+ transaction charges
General, OBC, EWSRs. 600 (application fee) + transaction charges.

After the payment is completed successfully, the system will generate an E-receipt which can be downloaded by the candidate. E-receipt will not be generated for “payment failure” candidates. The candidates must log in again & should complete the transaction process. The failed payment money debited will be reverted to the bank account in 2-3 working days.  The payment will be made using Debit cards, Internet banking, credit cards, IMPS, mobile wallets, or cash cards.

LIC ADO Eligibility Criteria 2024

The candidates must follow some eligibility criteria to participate in the LIC ADO exam. The regulations for the eligibility criteria are given below:

Age Limit:

The minimum age limit to apply for the post of LIC ADO is 21 years old, and the maximum age should be 30 years old, specified by the LIC as on 1st January 2024. But age relaxation exists for SC/ST/OBC candidates.

The age relaxation for the different categories is given below:

CategoryUpper Age Limit
Schedule Caste or Schedule Tribe  35 years
OBC (Non- Creamy Layer)  33 years
LIC Employee (Not from SC, ST, or OBC)  42 years
LIC Employee (From OBC, Non-Creamy Layer)  45 years
LIC Employee (From SC, ST)  47 years
LIC Employee (or any Other agent than DSA, FSE) (Not from SC, ST, OBC )  40 years
LIC Employee (or any Other agent than DSA, FSE) (From OBC, Non-Creamy Layer)  43 years
LIC Employee (or any Other agent than DSA, FSE) (From SC, ST)  45 years
Ex-servicemen30, increased by the number of years of service, is subject to a maximum of 45 years (OBC), 47 years (SC, ST), and 42 years for all others
Others  30

Experience Required:

The work experience required for eligibility is given below table:

CategoryUrban LIC ADO RecruitmentRural LIC ADO Recruitment
LIC Agents Category
or other than Agent,
such as DSAs/ FSEs
Not less than 5 years as a LIC agent or
other than Agent, such as DSAs/ FSEs
and has brought a Net First Year
Premium Income of not less than
₹5,00,000/- during the immediately
preceding 5 financial years and a Net
First Year Premium Income of no less
than ₹ 1,00,000/- on 50 lives in any 3
(Three) of these financial years
Not less than 4 years as a LIC agent or
other than Agent, such as DSAs / FSEs
and has brought a Net First Year Premium
Income of not less than ₹ 1,00,000/- on 50
lives per year in any 3 of the immediately
preceding 4 financial years.
CategoryUrban and Rural LIC ADO Recruitment
LIC Employee
Not less than 3 years of service after confirmation in Class III cadre in LIC of India
Category(Open Market)
Preference would be given to candidates with at least 2 years of experience in the life insurance industry or marketing financial products.

Educational Qualification:

The minimum qualification to apply for the post of LIC ADO is that a candidate must have passed a bachelor’s degree from a government-recognized university.

LIC ADO Vacancy 2024

The LIC ADO 2023 vacancies have been announced by the Life Insurance Corporation of India of total of 9294 vacancies. The zone-by-zone distribution, along with categories, is shown in the table below:

LIC ADO Vacancy 2023
Region NameVacancies
Eastern Zonal Office (Kolkata)1049
Western Zonal Office (Mumbai)1942
Northern Zonal Office (New Delhi)1216
East Central Zonal Office (Patna)669
North Central Zonal Office (Kanpur)1033
Southern Zonal Office (Chennai)1516
South Central Zonal Office (Hyderabad)1408
Central Zonal Office (Bhopal)561

LIC ADO Salary 2024

During the apprentice period, the candidate selected as an Apprentice Development Officer will be paid a
fixed monthly amount as a stipend. Currently, the stipend amount will be approximately ₹51500/- per month, except for the candidates selected from the LIC Employee Category.

Those from LIC Employee Category, Apprentice Development Officers shall be paid a stipend equal to the minimum of the basic pay and the dearness allowance on the pay scale applicable to Development Officers as on the commencement date of the apprenticeship.

A Probationary Development Officer at a specified Headquarter in the area will be placed with basic pay of ₹ 35650/- per month (except for LIC Employee Category candidates) in the scale of 35650-2200(2)-40050-2595(2)-45240-2645 (17)-90205 and other admissible allowances as per rules shall be payable.

Total emoluments at the minimum of the scale will include House Rent Allowance & City Compensatory Allowance, wherever admissible, depending upon the city’s classification. It will be approximately ₹ 56000/- in an ‘A’ Class City.

The details of the salary are given below:

Salary of LIC ADO 2024

Payment Scale35650-2200(2)-40050-2595(2)-45240-2645 (17)-9020
Gross SalaryRs. 35,650 (Basic Pay) and with the allowances can reach up to Rs. 56,000/-


  • Special Allowance
  • Gratuity
  • Incentives
  • Pension Contributory
  • Accident Insurance
  • Loan for Personal Vehicles.
  • 2-wheeler/4-wheeler Vehicle Advance
  • Reimbursement towards the Cost of the leather bag/Brief Case
  • Leave Travel Concession (LTC)
  • Cash Medical

LIC ADO Admit Card

The candidates can download the LIC ADO admit card 2024 on its official website. The LIC ADO admits card is mandatory for each candidate. Without the admit card, candidates are not allowed into the exam hall. Each candidate should also carry a valid government id card for identification. The admit card will include specific information about the exam center and exam timings.

The step-by-step process to download the admit card for the exam is given below:

Steps to Download the LIC ADO Prelim Admit Card:

  • Step 1: Log onto the LIC official website to download your Admit Card
  • Step 2: Click on the “Careers” tab on the Menu Bar
  • Step 3: Click on the Admit Card link given right there for your convenience
  • Step 4: Enter your Registration Number or Roll Number and DOB or your selected Password
  • Step 5: The link to the Admit Card will be visible after successfully logging in.

Documents to be Carried Along with the Admit Card on the Exam Day:

During the exam day, you must carry certain documents, and hard copies Admit card. These documents are as follows:

  1. Two passport-sized photographs
  2. Identity Proof (with visible Date of Birth and Photograph)- Aadhaar Card, Voter ID, PAN Card, Driving License, Passport, or any other government document with the Date of Birth and Photograph mentioned.  
Work Anywhere, Anytime Hassle-free Earning

LIC ADO Syllabus 2024

The Online exam includes two stages: the Preliminary and the Mains exams. There are 3 sections in the prelims exam:

  1. English language
  2. Numerical Ability
  3. Reasoning

The Mains exam consists of all the sections of the Prelims exam, including:

  1. Current affairs
  2. General Knowledge
  3. Insurance Marketing

The candidates should go through the syllabus of each subject properly to crack the exam.

Reasoning Ability:

Reasoning ability questions are given in prelims and main examinations. The complete topics are in the table below:

Subject Topics
Circular and Linear sitting arrangements
Alphabet series
Decoding- Coding
Blood relations
Number series
Data interpretation
Decision making
Mirror images
Calendars and clocks
Statements and Arguments
Statements & Conclusions
Direction and Distance
Mathematical reasoning

Numerical Ability:

Numerical ability questions are given in prelims and main examinations. The subject topics are given below:

Subject Topics
Time and speed, Percentage
Investment, Number system
Compound and simple interest
Average, number series, quadratic equations, Problems on age
LCM, HCF, Simplifications
Work and time, Area, Profit, and loss
Mixtures & Allegations
Ratio & Proportion, Boat & Stream
Permutation, Combination, and Probability Mensuration
Data Sufficiency
Pie chart, Bar Graph, Pictorial Graph

Current Affairs questions are given only in the main examination. The complete topics are provided below:

Subject Topics
General knowledge, General science, banking awareness
Five-year plans and budget
Current sport events
Capitals, countries, currencies
Indian politics, Indian Constitution, and Indian economics
Current events in India
Culture, technology, Science
Insurance Principles
Awards and honors, discoveries, and inventions
Indian History
Important Days, Books, and Authors
National and International Organizations
Current affairs of international and national news

English questions are given in both mains and prelims examinations. English will be conducted irrespective of the language chosen by the candidate. The topics included in this section are given below:

Subject Topics
Sentence arrangements, word arrangements, fill in the blanks.
Cloze test and comprehension
Phrases and idioms
Paragraph inference, para fillers, vocabulary questions, para completion, para connectors, para restatement
Antonyms, synonyms, sentence correction, sentence error

Insurance Market Awareness questions are given only in the main examination for LIC employees, agents, and the open market categories. 

Insurance market awareness
History of General Insurance, Insurance Ombudsman, Introduction and History of Life Insurance, schemes of Current insurance and Bancassurance, Types of Insurance, Indian Insurance Market, Insurance Current Affairs.
Employment State Insurance Scheme, important topics related to awareness in Insurance, Schemes related to Insurance (PMSBY, PMJJBY, PMFBY, etc.) Abbreviations related to Insurance Industry.
Glossary of insurance terms, Unit Linked Insurance Plan Public, Private Sector Insurance Companies, History of Learn about IRDAI

Financial Awareness questions are given only in the main examination for the Open market category. The topics involved are discussed in the given table.

Financial Awareness
Money market and their respective role in the financial system
Private Investing and derivative markets, secondary and primary markets
Development council and financial stability, international financial organization, the establishment of FSDC
Indian financial market
Bond markets and Stock markets
The Insurance industry, Regulatory agencies, and Mutual funds.
Study of the foreign exchange interbank market
Special Statutes for Certain Financial Intermediaries
Capital markets and the government

LIC ADO Exam Pattern 2024

The LIC ADO selection process consists of three phases:

  1. Online Exam
  2. Interview
  3. Medical Test.

The online exam includes two stages,

  1. Preliminary exam
  2. Mains exam

LIC ADO Prelims Exam Pattern

SectionsNo. of QuestionsTotal MarksDuration  
Reasoning353520 minutes  
Numerical Ability353520 minutes  
English Language303020 minutes  
Total –1001001 hour  
  • The candidates should note that the marks awarded for the English language will not be considered for the final ranking.
  • The exam is conducted for all the categories, either in English or Hindi, except for English language vocabulary.

LIC ADO Mains Exam Pattern

The total number of marks for all three papers is 160, and candidates have two hours to answer the 160 questions.

SectionNo. of QuestionsTotal Marks
Reasoning Ability and Numerical Ability  5050
General Awareness, Current Affairs, English Language5050
Insurance and Financial Marketing Awareness (Special emphasis on Life Insurance and Market Sector)6060

The composite Time duration for the exam is 120 minutes (2hrs).

For the LIC Employee/LIC Agent category (Single Phase Examination)

SubjectsTotal QuestionsMaximum marks Provided
Paper-1 Numerical and Reasoning ability2020
Paper-2 English language, General knowledge, and Current affairs2020
Paper-3 Financial sector, Awareness, and knowledge in life Insurance. Financial and Insurance marketing.60120

The composite Time duration for the exam is 120 minutes (2hrs)

LIC ADO Personal Interview

The marks obtained in the main examination only will be considered for shortlisting for the interview. The
marks obtained in the main examination and the marks obtained in the interview will be considered for the final merit listing of the candidates. The maximum marks for the interview are 40.

Medical Exam

The candidates who qualified in the interview round will be taken into medical test procedure. The final list of selected candidates in the examination will be released after the medical test.

LIC ADO Results

The Life Insurance Corporation will announce the LIC ADO Mains Results once the exams are completed. The results are available for download via the official website.

How to check LIC ADO Results?

  1. Visit the official website of LIC and click on “Recruitment of Apprentice Development Officer”
  2. Candidates must check for zone and category in the LIC ADO link.
  3. Enter the registration details and fill in the captcha to log in.
  4. The LIC ADO result status will be appearing on the screen.


Candidates must get qualified (Cross the cut-off in overall subjects and as individual subjects) in every subject to get to the next round or phase. The appointment letter will be sent to all qualified candidates. To receive confirmation from the appropriate division, all shortlisted candidates must undergo a medical examination and have their documents verified.

Knowing the previous year’s cut-off marks can help you understand the cut-off trends that are being followed in the LIC ADO examination. Candidates can use it as a guideline while studying for the LIC ADO exam.

CategoryInterview –cutoffWritten test – cutoffFinal – cutoff
ST (scheduled tribe)454085
SC (scheduled caste)6347115
UR (unreserved)7560135

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Is the LIC ADO vacancy released zone-wise?

Yes, LIC posts ADO vacancies for each zone separately. There are mainly 8 different zones: North, North Central, Central, East, East Central, West, South, and South Central Zones.

What is LIC ADO?

LIC is India’s most reputable government-owned insurance company. LIC ADO is an abbreviation for Life Insurance Corporation of India – Apprentice Development Officer. Life Insurance Corporation holds a national-level exam to find qualified candidates for the position of Apprentice Development Officer. This person is responsible for recruiting people to work as LIC Insurance Agents, supervising their performance, and inspecting existing policies.

What is a LIC ADO Job Profile?

The LIC ADO, or Apprentice Development Officer, oversees the insurance company’s marketing and sales. The job of LIC ADO entails some fieldwork and is a combination of marketing and sales discipline. Once chosen, candidates undergo pre-employment training to learn about LIC policies and areas where they can easily break into sales.

What is the Age limit for LIC ADO?

To apply for the LIC Apprentice Development Officer position, you must be at least 21 years old and no older than 30 years old. Age restrictions apply to candidates who fall into one of the reserved categories. The online exam was conducted on a national scale. The three stages of the LIC ADO recruitment process are prelims, mains, and personal interviews.

What is the salary of LIC ADO?

The LIC ADO’s pay scale is 35650-2200(2)-40050-2595(2)-45240-2645 (17)-9020. This means that if the candidates are hired as Apprentice Development Officers, their basic pay will be INR 35650, and their gross monthly pay will be INR 56,000.

Can a final-year graduate apply for LIC ADO Examination?

According to the LIC ADO Notification 2024 for the assistant position, only a graduate (10+2+3) can apply for the exam. Furthermore, he or she must be at least 20 years old and not older than 30 years old. The candidate should be a citizen of India.

What is the Application Fee for the LIC ADO examination?

The application fee for SC/ST candidates will be Rs.50/-, while the fee for the rest of the candidates will be Rs.600/-. Fees can be paid with debit cards, credit cards, net banking, IMPS, cash cards, or mobile wallets. When the application fee is successfully paid, an e-receipt is generated. Keep the electronic receipt safe.

Is LIC ADO a government job?

Yes, It is a government position with a competitive salary of nearly Rs.56,000/- per month. The exam, which is an online test, prelims, was held on 12th March and Mains will be conducted on 23rd April

How many vacancies have been released?

Life Insurance Corporation holds a national-level exam to find qualified candidates for the position of Apprentice Development Officer. LIC ADO 2024 test will be held to fill vacancies across all eight regions of the LIC