LIC ADO Salary

Life Insurance Corporation is one of the most prestigious insurance companies in India. Getting a job in the company is a dream of many aspirants. The LIC (Apprentice Development Officer) ADO post is a sought-after job in the current phase.

The basic pay in the LIC ADO salary is Rs 21,865/- per month. However, there are other lucrative allowances and perks, along with the basic pay in the salary structure.

This article is about the LIC ADO salary structure with information on allowances, perks and other benefits. For information regarding other exams which are conducted in the Insurance sector, candidates can visit the insurance exams page.

There are other government exams which also have a great designation, career and salary.

Start your preparation now with the Free Online LIC ADO Mock Test Series. Also, refer to the links below:

What is an LIC ADO officer?

An LIC Apprentice Development officer’s main job is that of sales supervision. An ideal LIC ADO is is required to:

  • Sponsor suitable persons to be appointed as agents for Life Insurance
  • Train them in their respective roles
  • Assist the newly-minted agents in their role to sell insurance to a maximum number of people.

The LIC ADO officers are also required to provide after-sales service to policyholders. As such they will be given leeway to tour areas allotted to them. An ADO will be taking care of both Urban and Rural areas. But there are chances that some candidates may also be assigned to nearby Divisional Offices that fall within their areas of operations.

It is made abundantly clear that being appointed as an Apprentice Development Officer many necessarily not bean that candidates appointed as ushc will become Probationary Development Officers

Roles and Responsibilities of LIC ADO 

As mentioned before, LIC ADO main job is that of sales supervision. So, it demands the management and administrative skills of the candidate. ADO has to manage the agents and also the acquisition of new sales. And the ADO’s increment or bonus completely relies on the sales. In that sense, it is a somewhat risky job and involves work pressure. But it is having flexible work time. However, marketing skills and innovative thinking which increase the sales product will be promoting factors. The new sales strategy should be developed along with the coordination of all Life Insurance agents. The Roles and Responsibilities include:-

  • Recruit Life Insurance agents for selling or marketing LIC policies to assigned areas.
  • Should be aware of current policies and also the trends.
  • Providing training to the selected agents working under ADO guidance.
  • To analyze the overall performance of each agent.
  • Find out the marketing capabilities and shortcomings of each agent.
  • Motivate the agents to acquire maximum sales in a given time period.
  • Assign a target quota for each agent.
  • Maintain overall integrity in sales.

For details on other bank exams, candidates can check the linked article.

LIC ADO Salary in India – Structure and Allowances

The LIC ADO Salary in India is one of the primary reasons for many aspirants to get into the Insurance sector.

The LIC ADO Salary details are given below:

LIC ADO Salary 2023
Pay scale 21865-1340(2)-24545-1580(2)-27705-1610(17)-55075
Basic Pay Rs.21,865/-

After Increment- Rs 55,075/-

  • Dearness Allowance – 40% of the basic pay(based on the Inflation rate)
  • House Rent Allowance – 7%-9% of the basic pay(Location dependent)
  • City Compensatory Allowance – 0% – 4% of the basic pay (Location dependent)

For details on other bank salary range, refer to the linked article.

The other benefits along with the LIC ADO Salary are given below:

  1. Leave Travel Concession (LTC)
  2. Special Allowance
  3. Gratuity
  4. Contributory Pension
  5. Cash Medical Benefit
  6. Accident Insurance
  7. Loan for Personal Vehicles, etc.
  8. Vehicle Advance (2-wheeler/4-wheeler)
  9. Reimbursement Towards the Cost of Brief Case/leather bag
  10. Incentives

Given below are the links for the salary structure for other insurance exams:

LIC AAO Salary NICL Salary
NIACL AO Salary NIACL Assistant Salary

The LIC ADO salary has two significant aspects:

Apprentice Period

During the Apprentice Period, candidates will be paid a fixed amount as a stipend which is equal to Rs. 34,503/- per month.

Probation Period

After the completion of the Apprentice Period, candidates will have to go through a probation period of 1 year.

The salary structure after the completion of the Probation period will be the same as the pay scale mentioned above.

Also, refer to the salary structure for other Government exams and posts:

SSC Salary Bank PO Salary
RRB NTPC Salary RRB JE Salary
SBI Clerk Salary IBPS Clerk Salary

Government Exam 2023

LIC ADO Responsibilities

The responsibility of a LIC ADO is to monitor and carry out all sales related tasks

For details on other bank exams, candidates can check the linked article.

However, the operations that a LIC ADO has to carry out are as follows:

  1. Accomplish all Sales oriented tasks
  2. Reach the maximum number of people and complete the assigned targets of selling.

Related Links:

LIC ADO recruitment LIC notifications
LIC ADO syllabus Insurance Exams

Aspirants can expect a generous salary and other benefits once they get to higher posts by clearing specific exams or fulfilling the necessary criteria.

Aspirants applying for the post of IAS officer can check the IAS salary at the linked article.

Frequently Asked Questions on LIC ADO Salary


Q 1. Is the LIC ADO Salary better than LIC AAO salary?

Ans. The initial basic pay of an AAO is Rs. 32,795, whereas, that of an ADO is Rs. 21,865. Thus, the LIC ADO salary is lesser in comparison to the Assistant Administrative Officer salary. To know the difference between the two posts, candidates can visit the LIC AAO vs LIC ADO page.

Q 2. Is LIC ADO a permanent job?

Ans. Yes, LIC ADO is a permanent job and once the employee completes the probation period, he/she becomes a confirmed employee.

Q 3. What perks are provided to a LIC ADO?

Ans. Given below are the allowances provided to a LIC ADO:

  • Dearness Allowance
  • House Rent Allowance
  • Leave Travel Concession
  • Financial Management – Prasanna Chandra
  • City Compensatory Allowance
  • Personal Insurance

Q 4. Can a LIC ADO get promoted to higher posts?

Ans. Yes, internal exams and Interviews are conducted at regular intervals and employees can appear for these and get promoted to higher posts. LIC ADO can get promoted to the level of a Regional Manager based on their performance and experience.

Q 5. What is the in-hand LIC ADO salary?

Ans. The monthly in-hand LIC ADO salary varies between Rs 30,000 to Rs. 34,000.


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