The Life Insurance Corporation of India (LIC) is expected to release the LIC AAO Recruitment 2026 notification for one of the most prestigious officer-level positions in India’s insurance and financial services sector.

The Assistant Administrative Officer (AAO) role is a managerial entry-level post that offers:

• Excellent salary
• Strong allowances
• Government-backed job security
• Accelerated promotion path
• Exposure to insurance, finance, underwriting, claims, and regulatory processes

This comprehensive guide explains the eligibility, selection process, exam pattern, syllabus, salary structure, job responsibilities, training, and career growth for LIC AAO.

Table of Contents

1. Overview of LIC AAO Role
2. Recruitment Highlights
3. Types of AAO Posts
4. Job Responsibilities
5. Eligibility Criteria
6. Age Limit & Relaxation
7. Educational Qualification
8. Selection Process
9. Exam Pattern (Prelims + Mains + Interview)
10. Syllabus Details
11. Salary & Pay Structure
12. Allowances & Benefits
13. Posting & Transfer Rules
14. Training & Probation
15. Career Growth Path
16. Required Documents
17. How to Apply Online
18. FAQs
19. Final Summary

1. Overview of LIC AAO Role

The LIC Assistant Administrative Officer (AAO) works in various departments of LIC such as:

• Finance
• Accounts
• Administration
• IT
• Legal
• Actuarial
• Claims & Policy Servicing
• Human Resources

AAOs handle policy authorization, underwriting, financial reporting, customer management, data monitoring, and branch-level coordination, ensuring smooth operations within India’s largest insurance corporation.

2. LIC AAO Recruitment 2026 – Highlights

Category	Details
Organization	Life Insurance Corporation of India
Post	Assistant Administrative Officer (AAO)
Expected Vacancies	700+ (approx.)
Qualification	Graduation (specific stream for some posts)
Mode of Selection	Prelims + Mains + Interview
Job Type	Officer-Level Government Job
Posting	Across India

3. Types of LIC AAO Posts

LIC recruits AAOs in multiple categories:

✔ AAO (Generalist)

✔ AAO (IT)

✔ AAO (CA / Chartered Accountant)

✔ AAO (Actuarial)

✔ AAO (Legal)

✔ AAO (Rajbhasha)

Generalist posts are most common and suitable for graduates from any discipline.

4. Job Responsibilities

✔ Administrative & Managerial Work

Supervision of branch operations, documentation, and policy issuance.

✔ Underwriting Support

Evaluation of risk, verification of customer profile, approval of policies.

✔ Claims Processing

Assessment of claim documents and settlement procedures.

✔ Financial & Data Analysis

Monitoring financial records, preparing reports, policy audits.

✔ Customer Relationship Management

Providing solutions for policy servicing, maturity payouts, and pension-related queries.

✔ Regulatory Compliance

Ensuring all procedures follow IRDAI guidelines and insurance regulations.

✔ Coordination with Branch Offices

Supporting higher management in operations, digital servicing, and reporting.

5. Eligibility Criteria

• Must be an Indian citizen
• Must meet age and qualification requirements
• Must have valid identity and educational proof

6. Age Limit

✔ Minimum Age: 21 years

✔ Maximum Age: 30 years

Relaxations:

• OBC: +3 years
• SC/ST: +5 years
• PwD: +10 years

7. Educational Qualification

✔ AAO (Generalist): Graduation in any discipline

✔ AAO (IT): Engineering / MCA / Computer Science

✔ AAO (Legal): Bachelor’s degree in Law

✔ AAO (CA): Chartered Accountant

✔ AAO (Actuarial): Papers completed under IAI/IFoA

✔ AAO (Rajbhasha): Master’s Degree in Hindi/Hindi Translation

8. Selection Process

The LIC AAO selection process involves:

1. Preliminary Exam

2. Mains Exam

3. Personal Interview

4. Pre-Recruitment Medical Test

Only candidates who qualify all stages receive the appointment letter.

9. LIC AAO Exam Pattern – Prelims

Section	Questions	Marks	Time
Reasoning	35	35	20 min
Quantitative Aptitude	35	35	20 min
English Language	30	—*	20 min
Total	100	70	60 min

*English marks are not counted for merit but required for qualification.

Mains Exam Pattern

Section	Questions	Marks
Reasoning	30	90
General Knowledge & Current Affairs	30	60
Data Analysis & Interpretation	30	90
Insurance & Financial Awareness	30	60
English Descriptive (Essay & Letter)	2	25

10. Syllabus Details

Reasoning

Puzzles, seating arrangement, coding-decoding, inequality.

Quant & DI

Data interpretation, arithmetic, number systems, percentages.

General Knowledge

National events, banking awareness, major policies, economy.

Insurance Awareness

LIC products, insurance fundamentals, IRDAI regulations.

English Descriptive

Essay writing, official letter format.

11. LIC AAO Salary Structure

The LIC AAO salary includes:

• Basic Pay: ₹53,600
• In-hand Monthly Salary: ₹60,000 – ₹70,000 (approx., based on location)

Includes:

• Dearness Allowance
• House Rent Allowance
• Travel Allowance
• City Compensatory Allowance
• Professional Development Allowance

12. Allowances & Benefits

• Pension scheme
• Gratuity
• Medical benefits
• Group insurance
• Home allowance
• Travel reimbursement
• Festival advance
• Welfare schemes
• Annual increments

13. Posting & Transfer Policy

LIC AAOs are typically posted:

• At divisional offices
• Branch offices
• Regional/zonal offices
• Corporate office (for specialized roles)

Transfers are periodic and depend on administrative requirements.

14. Training & Probation

Newly selected AAOs undergo:

✔ One-year probation

✔ Classroom + onsite training

Training includes:

• Insurance fundamentals
• Financial operations
• Policy servicing
• Underwriting processes
• Customer management
• Digital workflow systems

15. Career Growth Path

LIC AAO → Assistant Divisional Manager → Divisional Manager → Senior Divisional Manager → Zonal Manager → Executive Director → Chairman Office Roles

Growth depends on:

• Experience
• Performance
• Departmental exams

16. Required Documents

• Aadhaar
• PAN Card
• Graduation certificate
• Caste certificate (if applicable)
• Photo & signature
• Category declaration (if any)

17. How to Apply Online

1. Visit LIC official careers page
2. Select AAO Recruitment 2026
3. Register with mobile and email
4. Fill application form
5. Upload documents
6. Pay examination fee
7. Download confirmation receipt

18. Frequently Asked Questions

Q1. Is LIC AAO a permanent government job?

Yes, it is a permanent officer-level position.

Q2. Is LIC AAO harder than bank PO?

It has moderate difficulty but requires strong preparation.

Q3. Is interview compulsory?

Yes, AAO includes a personal interview.

Q4. Can freshers apply?

Yes, graduates from any recognized university may apply.

19. Final Summary

LIC AAO Recruitment 2026 offers one of the most respected officer-level opportunities in India’s insurance and financial services sector. With a strong salary package, structured working environment, excellent benefits, and a transparent promotion pathway, LIC AAO is a top choice for young graduates aiming for a long-term government-backed career.