LIC is one of the leading investment and insurance corporations owned by the government of India. It was established in the year 1956 & the headquarters was located in Mumbai. The LIC offices are also in various zones of India. The LIC conducts different exams to select candidates who are required for the company. They are recruiting for the post of Apprentice Development Officer (ADO) is done through the LIC ADO online exam.
The LIC ADO exam is used to recruit sales administrates. It is a central government job. The candidates who got selected for the post ADO are responsible for inspecting existing policies and recruiting people as LIC Insurance agents.
The LIC ADO online exam is conducted at the national level every year, the number of vacancies depends on the number of people required by the company. The recruitment process consists of 4 stages, they are:
Each candidate has to qualify at all levels to get the job.
| Name | LIC ADO |
| Type | Government Autonomous Recruitment Body |
| Purpose | Recruitment of Sales administrative officer |
| Exam mode | Online (computer-based test) |
| Exam time period | Preliminary examination- 60 minutes
Mains examination- 120 minutes |
| languages | Hindi & English |
| website | LIC HOME |
| Exam type | National level |
| Location | Online Examination |
| Chairman | Mr. MR Kumar |
| Director | Mini Ipe |
In the beginning, the exam date for the LIC ADO Mains exam was 11th August 2019, but LIC in the official notification had released the revised date of the exam, i.e. 22nd September 2019.
The candidates can refer to 2019’s LIC ADO exam notification for details. This shall help you apprehend the level of the exam and the type of questions asked in the exam.
The application process for LIC ADO started on 20th May 2019. The results of the Prelims Examination conducted on 6th July 2019, and 13th July 2019, was released on the LIC official website.
As per 2019 LIC notifications, the LIC ADO Mains Examination was scheduled on 11th August 2019 in all the centers, which is now postponed to be held on 22nd September 2019.
The application process for LIC ADO started on 20th May 2019. The results of the Prelims Examination conducted on 6th July 2019, and 13th July 2019 was released on the LIC official website.
The exam notification for LIC ADO 2021 will be released soon by the LIC on their official website. There are about 8581 vacancies last year. This year also the number of vacancies are around 8500. These vacancies are used to select ADO’s (Apprentice Development Officers).
The candidates who are willing to participate in the exam have to submit their application forms online to get registered for the LIC ADO exam.
LIC India holds an ADO exam every year to hire Apprentices Development Officers. The LIC ADO notification for this year has yet to be released. Due to the continuing COVID-19 pandemic in the country, the LIC ADO may be postponed. Check out the LIC ADO 2021 calendar for all important dates & events:
| Events | Dates | Features |
| Online application | Not declared | The applications will available after the notification is released by LIC. |
| Last date for the online application | Not declared | Last date to fill the application form. |
| Admit Card Release | Not declared | The Candidates can download the admit card one week prior to the exam. |
| Prelims Exam | Not declared | Non-LIC employees and non-LIC agents have to give prelims exams. |
| Prelims Result | Not declared | The results are declared after the completion of the online exam. |
| Mains Exam | Not declared | Candidates qualified in prelims, LIC employees and LIC agents have to give mains exam. |
| Mains Result | Not declared | The results are declared after completion of the online examination. |
| Last date to print the ADO application receipt | Not declared | The LIC board enables the link to print application receipts for the interview process. |
| Interview | Not declared | The candidates who cleared the mains exam are eligible to attend the interview process. |
| Medical test | Not declared | Only candidates who clear the interview process have to attend a medical test to get the job of sales administrative officer. |
To participate in the exam, candidates have to fill the application form and have to make a payment of Rs.600 for successful registration. The application fees vary based on the categories.
The fees structure is in the below table:
| Category | Application fee for LIC ADO |
| Scheduled Caste/ Scheduled Tribe (SC/ST) | Rs. 50(application fee)+ transaction charges |
| General, OBC, EWS | Rs. 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 failure payment money debited will be reverted to the bank account in 2-3 working days. The payment is to be made using Debit cards, Internet banking, credit cards, IMPS, mobile wallets, or cash cards.
The age relaxation for the different categories is given below:
| Category | Upper Age Limit | |
| Scheduled Caste/ Scheduled Tribe (SC/ST) | LIC Agent | 45 |
| LIC Employee | 47 | |
| Open Market | 35 | |
| General | LIC Agent | 43 |
| LIC Employee | 45 | |
| Open Market | 30 | |
| OBC | LIC Agent | 40 |
| LIC Employee | 42 | |
| Open Market | 33 | |
| Category | Urban LIC ADO
recruitment |
Rural LIC ADO
recruitment |
| LIC Agents | A DSE or an FSE or a candidate must have a minimum of 5 years experience as a LIC agent
|
A DSE or an FSE or a candidate must have a minimum of 4 years experience as a LIC agent
|
| Employee of LIC | The candidate should have 3 years of experience in a Grade-3 post. | |
| Others | The candidate should have a minimum of 2 years of service experience in the Life insurance sector. | |
The LIC ADO had a total of 8581 vacancies in the year 2021. The number of vacancies varies based on categories and location.
The zone-wise vacancy report is listed below in the table.
| Zone & category | LIC ADO Vacancy | |||||
| EWS | OBC | SC | ST | General | Total | |
| Kanpur, North Central Zone | 96 | 260 | 17 | 228 | 447 | 1042 |
| Hyderabad, South Central Zone | 118 | 297 | 89 | 217 | 530 | 1251 |
| New Delhi, North Zone Office | 102 | 251 | 70 | 256 | 451 | 1130 |
| East Central Zone | 62 | 104 | 138 | 95 | 302 | 701 |
| Central Zone | 47 | 62 | 127 | 80 | 209 | 525 |
| Kolkata, Eastern Zonal Office | 83 | 173 | 110 | 174 | 391 | 922 |
| Mumbai, Western Zone | 158 | 368 | 245 | 174 | 808 | 1753 |
| Chennai, Southern Zone | 121 | 309 | 10 | 228 | 589 | 1257 |
| Total | 8581 | |||||
The LIC ADO is popular because of its salary structure & the allowances that the insurance company provides to the employee.
The details of the salary are given below:
| Salary of LIC ADO 2021 | |
| Payment Scale | 21865-1340(2)-24545-1580(2)-27705-1610(17)-55075 |
| Basic Payment | Rs. 21,865
The increment can reach up to rupees 55.075/- |
The LIC ADO exam pattern is used to test the knowledge and mode of thinking in critical situations of the candidate.
| Subject | Topics |
| Reasoning Ability
|
Mathematical Reasoning |
| 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 |
| Numerical Ability | Pie chart, Bar Graph, Pictorial Graph |
| Time and speed, percentage | |
| Investment | |
| Compound and simple interest | |
| Average, number series, quadratic equations, Problems on age | |
| LCM, HCF, Simplifications | |
| Work and time, Area, Profit, and loss |
| Current Affairs and General Knowledge | Current affairs of international and national news |
| General knowledge, General science, banking awareness | |
| 5 Year plans & budget | |
| Current sport events | |
| Capitals, countries, currencies | |
| Indian politics, Indian Constitution, and Indian economics | |
| Current events of India | |
| Culture, technology, Science | |
| Insurance Principles | |
| Awards and honors, discoveries, and inventions | |
| Indian History |
| English | Antonyms, synonyms, sentence correction & identifying errors in sentences. |
| 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 |
| Insurance market
awareness |
Glossary of insurance terms, Unit Linked Insurance Plan Public, Private Sector Insurance Companies |
| 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. |
| Financial Awareness | Capital markets and the government |
| 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, mutual funds. |
The LIC ADO exam pattern is an important thing to all the candidates who are willing to appear for the LIC ADO exam 2021. The exam is going to be conducted soon. The LIC is yet to release the official notification of LIC ADO 2021 exam on its official website webpage. Selection will be made on the basis of the online test followed by an Interview of candidates who qualify in the online test and subsequent pre-recruitment Medical examination.
It is not easy to clear the LIC ADO exam as the selection process consists of three phases
The online exam includes two stages,
There are 3 sections in the prelims exam
The mains exam consists of all the sections of the prelims exam including:
| Topics | Total Questions | Total Marks | Exam Duration
In Minutes |
| Reasoning ability | 35 | 35 | 20 |
| English Language | 30 | 30 | 20 |
| Numerical ability | 35 | 35 | 20 |
| Total | 100 | 70 | 60 |
The candidates should note that the marks awarded for the English language will not be considered for the final ranking.
The mains exam is conducted only for the open Market category candidates. There is only one phase for LIC Agents and LIC Employees.
The LIC ADO online exam is conducted only in English & Hindi except for English language vocabulary.
Mains Examination Pattern for LIC ADO exam:
| Subjects | Total Questions | Maximum marks Provided | Duration of the examination |
| Paper-1
· Numerical and Reasoning ability |
25 | 25 | 2 hours |
| Paper-2
· English language, General knowledge, and Current affairs |
25 | 25 | |
| Paper-3
· Principle and Practice of Insurance Marketing |
50 | 100 | |
| Total | 100 | 150 |
| Subjects | Total Questions | Maximum marks Provided | Duration of the examination |
| Paper-1
· Numerical and Reasoning ability |
25 | 10 | 2 hours |
| Paper-2
· English language, General knowledge, and Current affairs |
25 | 15 | |
| Paper-3
· Insurance Marketing & Elements of Insurance |
50 | 125 | |
| Total | 100 | 150 |
| Subjects | Total Questions | Maximum marks Provided | Duration of the examination |
| Paper-1
· Numerical and Reasoning ability |
50 | 50 | 2 hours |
| Paper-2
· English language, General knowledge, and Current affairs |
50 | 50
|
|
| Paper-3
· Financial sector. Awareness and knowledge in life Insurance. Financial and Insurance marketing. |
50 | 50 | |
| Total | 100 | 150 |
The candidates who are qualified in the written exam will be advanced to the interview round. The interview is for 37 marks. It includes reasoning questions to check the thinking capabilities of the candidates.
The candidates who are qualified in the personal interview will be advanced to the medical test procedures. The final list of candidates who got selected for the job will be announced only after the medical test.
The candidates can download the LIC ADO admit card 2021 on its official website. The step-by-step process to download the admit card of both the Preliminary and Mains exam is given below.
The LIC ADO admits card is mandatory for each candidate. It acts as a hall ticket to enter the examination hall. Without the admit card, candidates are not allowed into the exam hall. Each candidate should carry a valid government id card for identification.
The admit card for the mains exam of 2021 is not yet declared.
The LIC ADO online exam results are declared. The candidates can check their results using their access id and password which are provided during the application process.
The LIC ADO cut-off marks are officially released by the LIC. The candidates should qualify in every subject to go through the next round or phase. The cut-off marks depend on the number of candidates appearing for the exam.
The candidates who are willing to apply for the LIC ADO exam have to 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 bio-data, digital photograph, and signature.
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The number of vacancies varies each year as per the need for the company. In the year 2019, around 8541 vacancies have been released including all the zones.
No, the final year graduate does not come under the eligibility criteria declared by the examination board.
The Candidates should have a minimum age of 21 years and not more than 30 years of age. However, some age relaxation is given based on the category.
The basic pay is Rs. 21,865 and the increment could reach up to Rs. 51,075 based on experience.
The application fee varies with category. It is Rs.50 + transaction charges for SC/ST candidates. Whereas, for all others, it is Rs. 600 + transaction charges.
Yes, the LIC ADO is a central government job as it is owned by the Government of India.
Taking the nature of the job into consideration, the candidates have to be ready to take tough challenges to crack the examination.
The candidates have to fill an application form online on the official website of LIC and go for careers.
Yes, the candidates who were qualified in prelims, mains are allowed to participate in the interview round and then in medical test to get the job.
The personal interview is to test your interactive skills and the questions of reasoning might also include testing the presence of mind.
The maximum number of marks allotted in the interview round is 37 marks. The marks are completely based on performance.
The size of the photo should be less than 50kb.
The size of the signature should be less than 20kb.
Both the images should be in .jpeg format.
Some books that can be helpful:
Quantitative Aptitude for Competitive Exams by R.S.Agarwal
Verbal and Non-Verbal Reasoning by R.S.Agarwal
Wren and Martin’s English Grammar and Composition
A New Approach to Reasoning: Verbal and Non-Verbal by B.S Sijwali and Indu Sijwali
Manorama Yearbook
Yes, LIC releases ADO vacancies for different zones separately.
The recruitment process can be quite challenging considering the competition for the post.
Yes, the LIC ADO exam is conducted in online mode.
Main Allowances are mentioned below-
House Rent Allowances (HRA)
Dearness Allowance (DA)
City Compensatory Allowances (CCA) (depends on the classification of the city)
ADO is responsible to appoint and train Agents who can sell life insurance policies to the general public.
Candidates between the age of 21-30 years are eligible to write the LIC ADO exam.
The in-hand salary of LIC ADO is between Rs 30,000 to Rs 34,000.
The basic pay of an Apprentice Development Officer is around Rs. 21,865. However, after increments, the salary of ADOs can go up to Rs 55075.
The candidates after finishing the apprentice period will have to go through a probation period for 1 year. it may also extend sometimes by higher officials.
Yes, the vacancy list is released zone-wise.
The LIC ADO is a computer-based exam, which is completely online.
By visiting the official website of LIC, the candidates have to fill the application form and submit the details.
The candidates are provided with a registration id and password, by using these the candidate can log in to the portal and can download the admit card.
No, once the application fee is paid by the candidate will not be refunded in any manner.
Yes, the candidates who were qualified in prelims, mains are allowed to participate in the interview round and then in medical test to get the job.
The application fee varies with category. It is Rs.50 + transaction charges for SC/ST candidates. Whereas, for all others, it is Rs. 600 + transaction charges.
The size of the photo should be less than 50kb.
The size of the signature should be less than 20kb.
Both the images should be in .jpeg format.
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