LIC Exams

Every year LIC exams are conducted to recruit thousands of candidates from all over India for various domains.

LIC stands for Life Insurance Corporation of India the largest insurance company in the country.

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

In this article, we will talk about various domains and posts for which the LIC exams are conducted.

LIC Exam important dates 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 (Tentative) Prelims: May 4 2019

Mains: June 28 2019

Prelims: July 6 & July 13, 2019

Mains: August 11, 2019

Revised date: September 22, 2019

LIC Exam result declaration Not declared Prelims: June 4, 2019

Mains: July 29, 2019

Prelims: July 29, 2019

Mains: Not declared

Table of Contents

  1. LIC Recruitment
  2. LIC AAO
  3. LIC ADO
  4. LIC HFL
  5. LIC DSE
  6. LIC FSE
  7. LIC Agent Exam
  8. LIC D.O.

LIC Exam Recruitment 2019

A large pool of highly skilled and trained manpower become major assets of LIC every year.

LIC releases recruitment notifications annually for eligible candidates to fill in various posts in varied domains under different exams.

The recruitment process of different exams in Life insurance corporation is mainly done through written exam and interview.

LIC Exam Posts are as under:

  1. LIC AAO (Assistant Administrative Officer)
  2. LIC ADO (Apprentice Development Officer)
  3. LIC HFL (Housing Finance Limited)
  4. LIC DSE (Direct Sales Executives)
  5. LIC FSE (Financial Services Executives)
  6. LIC IRDA exam
  7. LIC D.O.
  8. NIACL Assistant exam

LIC Exam for AAO

Assistant Administrative Officer (AAO) is one of the most prestigious exams in the insurance sector. The recruitment process of AAO under LIC exams is not conducted annually but depends on the requirement of personnel in the company.

Recently, LIC released a notification to recruit 590 eligible candidates to fill in the AAO posts.

AAO in LIC is primarily an administrative job. The job of the candidates hired in LIC AAO varies as per the department he works in.

LIC has released the vacancies for LIC AAO recruitment 2019 in the following cadres:

  1. Assistant Administrative Officer (Generalist)
  2. Assistant Administrative Officer (IT)
  3. Assistant Administrative Officer (CA)
  4. Assistant Administrative Officer (Rajbhasha)
  5. Assistant Administrative Officer (Actuarial)

Candidates are suggested to check the LIC AAO exam page for more details about the Assistant Administrative Officer exam.

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

LIC Exam Eligibility For AAO Post

The LIC exam eligibility criteria for AAO post is mentioned in the official notification of AAO recruitment exam 2019 released by the conducting body.

The LIC exam eligibility criteria for AAO 2019 exam is as mentioned below:

  1. Nationality: Any candidate who is a citizen of India.
  2. Education Qualifications: A Graduate degree in any discipline from any Government recognized University.
  3. LIC AAO Age Limit: The minimum age of the candidate must be not less than 21 years and should not be more than 30 years of age. However, there is age relaxation for candidates belonging to different categories.

For detailed information on LIC AAO eligibility conditions and Age-limit relaxations check the linked page.

LIC Exam Selection Process For AAO Post

The AAO selection process in LIC exam has changed since the last time it was conducted.

The LIC exam for AAO was last conducted in the year 2016 and the candidates had only two stages in to qualify to get recruited as LIC AAO officer.

Due to the increase in the number of candidates applying for LIC AAO exam each year, the conducting body added one extra stage in AAO selection process.

AAO Selection Process (year-wise) In LIC Exam
2016 2019
  1. Written Exam
  2. Interview
  3. Pre-Recruitment Medical Test
  4. Probation
  5. Guarantee bond
  1. Preliminary exam
  2. Mains Exam
  3. Interview
  4. Pre-recruitment Medical Test
  5. Probation
  6. Guarantee Bond

For information on AAO salary, vacancy, exam dates, application process and Fee, detailed notification of 2019, etc. Kindly check LIC AAO recruitment article.

LIC Exams Syllabus And Paper Pattern in AAO

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

  1. Preliminary Exam
  2. Mains Examination
  3. Interview
  4. Pre-Medical Test

LIC AAO Syllabus and Exam pattern are tabulated below:

LIC Exam Syllabus & Paper Pattern – AAO 2019
LIC AAO Exam Pattern Subjects
Preliminary Exam Reasoning Ability

Quantitative Aptitude

English Language

Mains Exam (Generalist) Reasoning Ability

General Ability and Current Affairs

Data Interpretation and Analysis

Insurance and Financial Market Awareness

English Language (Descriptive)

Mains Exam ( IT/ Chartered Accountant / Actuarial) Reasoning Ability

General Ability/ Current Affairs

Professional Knowledge

Insurance and Financial Market Awareness

English Language (Descriptive)

Mains Exam (Rajbhahsa) Reasoning Ability

General Ability/ Current Affairs

Professional Knowledge

Insurance and Financial Market Awareness

Language Test in Hindi (Descriptive)

Detailed information on AAO Syllabus and exam pattern of Assistant Administrative officer can be found on LIC AAO syllabus page.

LIC Exam For ADO Post

LIC ADO Mains exam date is revised. Earlier the exam dates for LIC Apprentice Development Officers Mains exam was August 11, 2019, but LIC in the official notification has released the revised date of the exam i.e. September 22, 2019. 

LIC ADO is a sales administrative job. ADO job role under LIC exam requires the personnel to take responsibility for recruiting people as LIC Insurance Agents and inspecting existing policies.

LIC ADO recruitment is conducted to fill the vacancies for the post of Apprentice Development Officer.

LIC Apprentice Development Officer recruitment is not an annual process. The last notification for the post of LIC ADO was released on 1st June 2015. The recruitment was open only for the Central Zonal Office, Bhopal.

For the year 2019, LIC has released a notification for ADO exam to recruit a total of 8,581 personnel. Recruitment to fill these vacancies is conducted through LIC exam ADO 2019.

The zone-wise vacancy for the post of LIC ADO recruitment in the year 2015 and 2019 can be found in the linked page.

Important dates of LIC Exam for ADO 2019 is mentioned below:

LIC Exam- ADO 2019
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 8,581
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

LIC Exam Eligibility Criteria For ADO

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

  • Nationality: Must be a citizen of India.
  • Educational Qualification: A Graduate Degree of a University in India approved for the fellowship of Insurance Institute of India, Mumbai.
  • LIC exam Age Limit and relaxation: Minimum and maximum age to be eligible for ADO exam are 21 years and 30 years as on 1st May 2019. This implies the candidates must be born not later than 1 May 1998 and not earlier than 2 May.1989.

The age relaxation of different categories of LIC ADO exam is given in the table below:

Category Upper Age Limit as on 1 May 2019
General Open market category 30
LIC Employee only 42
LIC Agent 40
OBC Open market category 33
LIC Employee only 45
LIC Agent 43
SC/ST Open market category 35
LIC Employee only 47
LIC Agent 45

For further information related to LIC ADO exams such as exam dates, vacancies, selection process and LIC ADO eligibility conditions, aspirants are advised to check the linked article.

LIC Exam Syllabus And Exam Pattern For ADO

LIC exam for ADO recruitment consists of three levels:

  1. Written Test
    1. Phase -I: Preliminary Examination
    2. Phase -II: Mains Examination
  2. Personal Interview
  3. 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 categorised into three sections:

  1. Reasoning
  2. Numerical ability
  3. 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 categories are as mentioned below:

  1. Open Market Categories
  2. Agent category
  3. Employee Category

LIC ADO Mains exam syllabus is categorised as under:

  1. Paper -I: Reasoning Ability & Numerical Ability
  2. Paper-II: General Knowledge, Current Affairs and English Language
  3. Paper-III: Insurance Marketing

Candidates are suggested to check the detailed information on LIC ADO Syllabus for different categories, the exam pattern and list of important books for preparation of ADO exam in the linked article.

LIC Exam For HFL Post

Housing Finance Limited-HFL is a trusted and respected sister concern of Life Insurance Corporation of India having its corporate office in Mumbai.

HFL provides long term finance to individuals for purchase/construction of flat/house for residential purposes and to those engaged in the development of residential buildings to be sold by them in India.

The official Notification of LIC HFL recruitment 2019 exam is released on August 8th 2019.

Candidates can check the detailed LIC HFL Notification 2019 in the linked page.

Applicants were invited to fill in a total of 300 vacancies in Housing Finance Limited.

for the following posts.

  • Assistant
  • Assistant Manager and
  • Associates

Important dates of LIC exam for HFL 2019 is mentioned below:

Name of Recruitment Exam LIC Housing Finance Limited Exam
Conducted by Life Insurance Corporation of India
LIC Exam HFL Notification 2019 August 8, 2019
Vacancy 300
Starting date of online registration August 8, 2019
Last Date of Receipt of Application August 26, 2019
LIC Exam Admit Card for HFL on the official website September 9, 2019
Date of HFL LIC Exam October 9th & 10th, 2019 (tentative)
HFL LIC Exam result declaration Not declared

Candidates can check the LIC HFL recruitment page for further information on HFL salary, increase in salary in 2019, exam dates, application process and fees, state-wise distribution of vacancies and year-wise HFL notification.

LIC Exam Syllabus And Paper Pattern In HFL

The LIC exam syllabus and exam pattern for HFL Assistant, Assistant manager, and Associates is the same but the level of difficulty in HFL exam varies according to the post.

Recruitment of LIC exam for HFL post is conducted in three-phase:

  1. HFL Online Examination
  2. Interview
  3. Medical test

LIC exam syllabus and paper pattern for HFL post are mentioned below:

LIC Exam Pattern And Syllabus
Subjects No of Questions Duration Max Marks
English Language 50 each section 35 Minutes 50 each section
Logical Reasoning 35 Minutes
General Awareness 15 Minutes
Numerical Ability 35 Minutes

For detailed information on the LIC HFL syllabus and topics covered in each section, and exam pattern of Housing Finance limited please check the linked article.

Candidates [preparing for LIC exams can check the link for their Logical Reasoning preparation.

LIC Exam Eligibility For HFL Post

Candidates who wish to give LIC HFL exam 2019 have to satisfy the below-mentioned eligibility criteria.

Highlights: LIC Exam Eligibility Criteria For HFL 2019
Eligibility conditions Assistant Associate Assistant Manager
Nationality Indian Indian Indian
LIC HFL Age Limit Minimum- 21 years

Maximum- 28 Years

As on 1 January 2019

Minimum- 21 years

Maximum- 28 Years

As on 1 January 2019

Minimum- 21 years

Maximum- 28 Years

As on 1 January 2019

Education Qualification Graduate from a Government recognized University with a minimum aggregate of 55% marks Graduate from a Government recognized University with a minimum aggregate of 60% marks and,


Graduate and Post-Graduate (full time) from a Government recognized University with a minimum aggregate of 60% marks
Computer skills Yes Yes Yes

Candidates are suggested to check LIC HFL exam page for in-depth information on eligibility criteria and the conditions associated.

LIC Exam DSE Post

LIC DSE full form is Direct Sales Executive. LIC annually conducts recruitment of DSE personnel for various Zonal Office of LIC purely on a contract basis for a period of three years.

LIC DSE is primarily a Marketing job. The person recruited is responsible for Procuring New Business, providing policy servicing and other related jobs from the areas allotted to them.

LIC Exam Eligibility Criteria For DSE Post

The eligibility conditions for candidates who aspire for LIC DSE job is as mentioned:

  • A Graduate Degree in any discipline from a recognised Government.
  • Candidates with a graduate degree or diploma in Marketing or Management will be given preference.
  • Good English and also a regional language preferably local language is desirable.
  • Knowledge of soft skills such as MS Office esp. PowerPoint, Word, Excel would be additional advantage.

LIC Exam Age Limit- DSE Post

Candidates must be a minimum of 21 years of age and not more than 35 years of age.

LIC Exam Syllabus And Paper Pattern- DSE Post

Selection of the candidate for LIC DSE is made on the basis of 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.

LIC Exam FSE Post

FSE stands for Financial Services Executives. LIC conducts this exam every year.

Candidates selected in FSE job are primarily a Marketing person who is required to tour the entire area allotted.

The job profile, eligibility criteria, syllabus and exam pattern of LIC FSE exam is the same as DSE exam of LIC.


IRDA is the acronym of Insurance Regulatory Development Authority.

IRDA is an annual all India level exam conducted by LIC for the recruitment of Insurance agents in the insurance companies. This exam is also known as LIC Agent exam.

LIC Exam Eligibility For IRDA

Candidates have to satisfy the following eligibility criteria to appear for LIC IRDA exam:

  1. Candidate must be a citizen of Indian nationality.
  2. Aspirants of LIC IRDA exam must have a passing certificate of 10+2 as the minimum academic qualification.
  3. There is no upper age limit to give IRDA exam but candidate must not be less than 18 years of age.

LIC Exam Syllabus And Paper Pattern-IRDA

IRDA LIC Exam consists of short questions in the form of:

  • Multiple-choice questions
  • Match the column
  • Right- wrong
  • Yes-No
  • Fill in the blanks

The LIC Exam IRDA Syllabus comprises questions from the subjects like:

  • Insurance
  • Loan
  • Regulation and general application
  • Numerical ability in percentage, discount and loan calculation

LIC Exam D.O. Post

LIC D.O. full form is LIC Development officer. The exam is held annually mostly in the month of September.

The application form of LIC D.O. exam is published in July in employment news and the last date to register for the exam is generally the first week of August.

LIC Exam Eligibility For D.O. Post

Aspirants of LIC D.O. exam have to fulfil the following eligibility criteria:

Academic qualification: A bachelor’s degree in any discipline from a Government recognized university.

Age Limit: Aspirants must neither be below 21 years of age nor above 30 years. Age relaxation is also given to candidates under reserved categories.

Nationality: Aspirants must be an Indian citizen. Also, the candidates who hold the eligibility certificate issued by the Government of India.

LIC Exam Syllabus And Paper Pattern D.O. Post

The LIC exam for the recruitment of Development Officer is conducted in two phases:

Phase -I: Written examination

Phase-II: Group discussion and interview

The written examination is objective type paper of 2 hours. There are 4 sections in this exam.

  1. Reasoning
  2. English language
  3. General awareness
  4. Numerical ability

Each section carries 50 questions making a total of 200 questions.

There is negative marking of (0.25) marks for each wrong attempt in the written exam of LIC D.O. examination.

Qualified candidates in the written exam are called for Group Discussion and Interview round.

Shortlisted candidates in the GD and PI round are eligible for final selection. Candidates have to obtain minimum qualifying marks in both Phase-I and Phase-II for final selection.

Aspirants of Government jobs can check information on various Government exams in the linked article.