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.
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.
LIC was established in India as one of the oldest and largest insurance corporations in 1818. In 1956, it became a state-owned Insurance Group and Investment Company trusted across the country. LIC has many departments and officers and is an integral part of the Indian economy.
| Exam Name | LIC ADO 2025 |
| Full Form | Life Insurance Corporation Apprentice Development Officer |
| Conducting Body | Life Insurance Corporation of India (LIC) |
| Position | Apprentice Development Officer (ADO) |
| Exam Level | National |
| Frequency | Annually |
| Mode of Application | Online |
| Application Fee | • General/OBC: ₹750 • SC/ST/PWD: ₹100 |
| Selection Process | • Preliminary Exam • Main Exam • Interview • Medical Examination |
| Eligibility Criteria | Bachelor’s Degree (preferably in Marketing or Management) |
| Age Limit | • Minimum: 21 years • Maximum: 30 years (age relaxation as per norms) |
| Total Marks | • Prelims: 100 marks • Mains: 150 marks |
| Salary | ₹51,500 (per month) |
| Job Location | Various LIC Divisional Offices across India |
| Languages | Hindi & English |
| Training Duration | Generally, 6-9 months |
| Official Website | licindia.in |
LIC ADO Notification 2025 has not yet been released. Candidates can check the previous year’s notification below. LIC published LIC ADO Notification 2025 for all eight zones, which lists 9,394 openings for Apprentice Development Officer posts.
| ZONE | English Notification | Hindi Notification |
|---|---|---|
| NORTH | Click Here | Click Here |
| NORTH CENTRAL | Click Here | Click Here |
| CENTRAL | Click Here | Click Here |
| EAST | Click Here | Click Here |
| SOUTH CENTRAL | Click Here | Click Here |
| SOUTHERN | Click Here | Click Here |
| WESTERN | Click Here | Click Here |
| EAST CENTRAL | Click Here | Click Here |
| Events | Dates |
|---|---|
| LIC ADO Notification 2025 | To be notified |
| Online Application Start Date | To be notified |
| Online Application Last Date | To be notified |
| LIC ADO Admit Card 2025 | To be notified |
| LIC ADO Prelims Exam | To be notified |
| LIC ADO Prelims Result | To be notified |
| LIC ADO Mains Exam | To be notified |
| LIC ADO Mains Result | To be notified |
| LIC ADO Final Result 2025 | To be notified |
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 LIC ADO Apply Online:
Step 1: Candidates must go to the LIC Official Website, after which a new screen will appear with various links.
Step 2: Click on the link titled “ONLINE APPLICATION FOR ADO’s RECRUITMENT EXAM 2025”.
Step 3: Click on “New registration.”
Step 4: Enter your name, contact details, and email ID, and submit.
Step 5: A registration number and password will be displayed on the screen, which will be noted for further use.
Step 6: After verification, click on the “VALIDATE YOUR DETAILS,” “SAVE,” AND “NEXT” buttons.
Step 7: Upload your passport-size photograph and signature.
Step 8: Review the application before finally submitting the application & click on the Next button.
Step 9: Click on the “Payment” button to pay the application fees & then click on the submit button, which finally submits the application form.
The LIC ADO Application Fee is different for candidates. The application fee depends on the reservation category you have applied for. 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 fee’s structure is in the table below:
| Category | Application fee for LIC ADO |
|---|---|
| General/OBC | ₹750 |
| SC/ST/PWD | ₹100 |
After completing the payment, the system will generate an E-receipt that the candidate can download. 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 refunded 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.
The candidates must follow some eligibility criteria to participate in the LIC ADO exam. The regulations for the eligibility criteria are given below:
The minimum age limit to apply for the post of LIC ADO is 21 years, and the maximum age should be 30 years, as specified by the LIC as on 1st January 2025. However, age relaxation exists for SC/ST/OBC candidates.
The age relaxation for the different categories is given below:
| Category | Upper Age Limit |
|---|---|
| OBC (Non-Creamy Layer) | 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-servicemen | 30, 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 |
The work experience required for eligibility is given in the table below:
| Category | Urban LIC ADO Recruitment | Rural 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. |
| Category | Urban and Rural LIC ADO Recruitment |
|---|---|
| LIC Employee Category | Candidates with at least 2 years of experience in the life insurance industry or marketing financial products would be given preference. |
| Others 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. |
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.
The LIC ADO 2025 vacancies have not been announced yet by the Life Insurance Corporation of India, but you can get the idea by seeing the 2025 vacancies, which are 9,394. Check the official website for the latest update. For LIC ADO 2025, the zone-by-zone distribution, along with categories, is shown in the table below:
| Region Name | Vacancies |
|---|---|
| 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 |
| Total | 9,394 |
The Life Insurance Corporation (LIC) offers a competitive salary package for Apprentice Development Officers (ADOs). Here’s a detailed breakdown of the salary structure and allowances:
| Component | Details |
|---|---|
| Basic Pay | INR 35,650 per month |
| Dearness Allowance (DA) | 40% of Basic Pay, revised quarterly based on CPI (Consumer Price Index) |
| House Rent Allowance (HRA) | 7-9% of Basic Pay, depending on the location of posting |
| City Compensatory Allowance (CCA) | 0-4% of Basic Pay, depending on the location of posting |
| Special Personal Allowance | As announced by LIC |
| Professional Allowance | As announced by LIC |
| In-hand Salary | INR 50,000 to INR 56,000 per month |
| Additional Benefits | • Gratuity • Defined Contributory Pension Scheme • LTC • Medical Benefits • Group Insurance • Group Personal Accident Insurance • Vehicle Advance (2-wheeler/4-wheeler) • Reimbursement for Briefcase/Leather Bag • Mobile Handset, etc. |
The in-hand salary for LIC ADOs is quite attractive, ranging between INR 50,000 to INR 56,000 per month, depending on the location and other allowances. This makes the position highly desirable for many candidates.
The candidates can download the LIC ADO admit card 2025 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:
During the exam day, you must carry certain documents, including and hard copy of the Admit card. These documents are as follows:
The Online exam includes two stages: the Preliminary and the Mains exams. There are 3 sections in the prelims exam:
The Mains exam consists of all the sections of the Prelims exam, including:
The candidates should go through the syllabus of each subject properly to crack the exam. The complete topics are in the table below:
| Subject | Topic Covered |
|---|---|
| Reasoning Ability | • Circular and Linear sitting arrangements • Alphabet series • Decoding- Coding • Blood relations • Syllogism • Number series • Data interpretation • Decision making • Mirror images • Calendars and clocks • Statements and Arguments • Puzzles • Statements & Conclusions • Direction and Distance • Mathematical reasoning |
| Numerical Ability | • 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 | • 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 | • 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 | • 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 | • 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 |
The LIC ADO selection process consists of three phases:
Candidates who pass the preliminary and main exams will be invited for an interview round. The final LIC ADO 2025 selection will be made based on the Mains and interview scores. The maximum mark for the interview phase will be 37. Candidates who pass both stages will be invited for a medical examination.
The online exam includes two stages,
| Sections | No. of Questions | Total Marks | Duration |
|---|---|---|---|
| Reasoning | 35 | 35 | 20 minutes |
| Numerical Ability | 35 | 35 | 20 minutes |
| English Language | 30 | 30 | 20 minutes |
| Total | 100 | 100 | 1 hour |
The total number of marks for all three papers is 160, and candidates have two hours to answer the 160 questions.
| Section | No. of Questions | Total Marks |
|---|---|---|
| Reasoning Ability and Numerical Ability | 50 | 50 |
| General Awareness, Current Affairs, English Language | 50 | 50 |
| Insurance and Financial Marketing Awareness (Special emphasis on Life Insurance and Market Sector) | 60 | 60 |
| Total | 160 | 160 |
The composite Time duration for the exam is 120 minutes (2 hours).
Click here to check out the: Syllabus of PHASE II – MAIN EXAMINATION FOR RECRUITMENT OF ADO
| Subjects | Total Questions | Maximum marks Provided |
|---|---|---|
| Paper – 1 (Numerical and Reasoning ability) | 20 | 20 |
| Paper – 2 (English language, General knowledge, and Current affairs) | 20 | 20 |
| Paper – 3 (Financial sector, Awareness, and knowledge in life Insurance. Financial and Insurance marketing) | 60 | 120 |
| Total | 100 | 160 |
The composite Time duration for the exam is 120 minutes (2hrs)
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.
The candidates who qualified in the interview round will be taken through the medical test procedure. The final list of selected candidates in the examination will be released after the medical test.
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.
Step 1: Visit the official website of LIC and click on “Recruitment of Apprentice Development Officer”
Step 2: Candidates must check for the zone and category in the LIC ADO link.
Step 3: Enter the registration details and fill in the captcha to log in.
Step 4: The LIC ADO result status will appear on the screen.
Below you can check the result of the ADO main exam 2022-23 zone-wise wise released by the LIC on their official website.
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.
| Category | Interview – Cutoff | Written test – Cutoff | Final – Cutoff |
|---|---|---|---|
| ST (Scheduled Tribe) | 45 | 40 | 85 |
| OBC (Other Backward Class) | 66 | 52 | 128 |
| SC (Scheduled Caste) | 63 | 47 | 115 |
| UR (Unreserved) | 75 | 60 | 135 |
Recommended Reads:
Ans. LIC ADO stands for Life Insurance Corporation Apprentice Development Officer, a role focused on recruiting and training LIC agents and managing insurance sales.
Ans. Life Insurance Corporation, commonly known as LIC, is the oldest and most trustworthy investment company and insurance provider. LIC ADO recruitment is conducted to fill the vacancies for the post of Apprentice Development Officer.
Ans. The typical age limit for LIC ADO candidates is between 21 and 30 years, though it may vary slightly based on category reservations.
Ans. Yes, the LIC ADO vacancies are generally released zone-wise. There are mainly 8 different zones: North, North Central, Central, East, East Central, West, South, and South-Central Zones.
Ans. The starting salary for a LIC Apprentice Development Officer (ADO) is ₹35,650 per month. With various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and City Compensatory Allowance (CCA), the in-hand salary ranges between ₹50,000 to ₹56,000 per month.
Authored by, Amay Mathur | Senior Editor
Amay Mathur is a business news reporter at Chegg.com. He previously worked for PCMag, Business Insider, The Messenger, and ZDNET as a reporter and copyeditor. His areas of coverage encompass tech, business, strategy, finance, and even space. He is a Columbia University graduate.
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Chegg India does not ask for money to offer any opportunity with the company. We request you to be vigilant before sharing your personal and financial information with any third party. Beware of fraudulent activities claiming affiliation with our company and promising monetary rewards or benefits. Chegg India shall not be responsible for any losses resulting from such activities.
