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LIC AAO Generalist Notification 2025 — Full Official Information with Application and Exam Details
About LIC AAO Generalist: A Secure Government Managerial Role
The Assistant Administrative Officer (Generalist) post in LIC is highly sought-after for its job stability, lucrative salary, and scope for advancement within India’s largest insurance company. AAOs manage policy, customer and branch operations, and take on leadership and administrative duties in a national career.
Total Vacancies, Reservation & PwBD Details
| Category | SC | ST | OBC | EWS | UR | Total |
|---|---|---|---|---|---|---|
| Current Year | 51 | 22 | 88 | 38 | 142 | 341 |
| Backlog | 0 | 6 | 3 | – | – | 9 |
| Total | 51 | 28 | 91 | 38 | 142 | 350 |
PwBD Horizontal Reservation (Current + Backlog): LD-4, VI-4, HI-6, ID/MD-6
LD: Locomotor Disability, VI: Visual, HI: Hearing, ID: Intellectual, MD: Multiple Disability.
Reservation is as per the Rights of Persons with Disabilities Act, 2016 and is strictly subject to valid certification and government direction at finalization.
LD: Locomotor Disability, VI: Visual, HI: Hearing, ID: Intellectual, MD: Multiple Disability.
Reservation is as per the Rights of Persons with Disabilities Act, 2016 and is strictly subject to valid certification and government direction at finalization.
Eligibility (As on 1 August 2025)
- Nationality: Only Indian citizens are eligible.
- Age Limit: 21 to 30 years (as of 1.8.2025). Candidates must be born between 2.8.1995 and 1.8.2004 (inclusive).
- Relaxations:
- SC/ST – 5 years
- OBC – 3 years
- PwBD (Gen) – 10 years; PwBD (OBC) – 13 years; PwBD (SC/ST) – 15 years
- Ex-Servicemen, ECO, SSCO (Gen) – 5 years; (SC/ST) – 10 years; (OBC) – 8 years
- Confirmed LIC employees – further 5 years
- Educational Qualification: Graduation in any discipline from a recognized Indian University/Institution. Final result must be declared on or before 1.8.2025 with certificate proof during interview.
Those claiming reservation must submit valid caste/PwBD certificate as per government rules. No equivalent educational qualification is accepted.
Detailed Salary, Benefits, and Emoluments
- Basic Pay: ₹88,635/month (pay scale: ₹88,635–4,385(14)–1,50,025–4,750(4)–1,69,025)
- Gross Monthly Emoluments: Approx. ₹1,26,000 per month in A-class city (includes HRA, CCA)
- Perks include: Defined Contributory Pension, LTC, Group Mediclaim, Group Accident/Personal Insurance, Gratuity, Vehicle and Furniture reimbursement, Maid allowance, Mobile and Briefcase allowance, Dailies/Magazines, Special Allowance for passing III exams, Actuarial exam incentives
- Probation: 1 year (may extend to 2 years). Service subject to ongoing assessment—unsatisfactory performance may lead to termination.
- Posting & Transfers: Minimum 5 years in mofussil (non-home zone) branches after training.
- Guarantee Bond: 4 years minimum service required (incl. probation); else, ₹5,00,000 payback + indemnity deed.
Fee and Payments (Non-Refundable)
- SC/ST/PwBD: ₹85 + GST + Online Charges
- Others: ₹700 + GST + Online Charges
- Only online payments are accepted. No fee refund under any circumstance. Generate e-Receipt for records.
Selection Process: Multi-Stage with Normalization
- Preliminary Exam (Objective; online; qualifying):
- Reasoning Ability: 35 Qs – 35 Marks – 20 min
- Quantitative Aptitude: 35 Qs – 35 Marks – 20 min
- English Language: 30 Qs – 30 Marks* (*qualifying only, not for ranking) – 20 min
- No negative marking; Sectional minimum marks mandatory
- Main Exam (Objective+Descriptive; online):
- Reasoning Ability: 30 Qs – 90 Marks – 40 min
- General Knowledge, Current Affairs: 30 Qs – 60 Marks – 20 min
- Data Analysis & Interpretation: 30 Qs – 90 Marks – 40 min
- Insurance & Financial Market Awareness: 30 Qs – 60 Marks – 20 min
- Descriptive Paper: 2 Qs – 25 Marks (qualifying only) – 30 min
- Interview:
- Max 60 marks (qualifying: UR/OBC/EWS 30, SC/ST/PwBD 27)
- Final list based on mains + interview (normalized scores)
- If tie: 1. Higher qualification, 2. Older age
- Medical Exam: LIC standards required for appointment
Prelims marks are qualifying only; Mains + Interview forms total merit. Biometric verification at every stage. Exam pattern subject to change at LIC’s discretion.
Pre-Exam Training (SC/ST/OBC/PwBD)
- Those wishing to attend training must register with the nearest Divisional Office within one week of online application close.
- Attendance and travel at user’s cost; training schedule/venue by LIC Divisional Office.
Exam Rules, Biometric & Iris Data Collection
- Valid call letter (with photo), valid original/photo copy ID, and matching appearance required.
- Biometric thumb and IRIS scan at entry/exit of main exam, at interview, and at joining.
- Spectacle and contact-lens users must comply with IRIS scan instructions. Visually impaired use biometric thumb.
- No mobile, calculator, watches, or electronic items allowed inside venue.
- Candidate is responsible for clean, undamaged biometric data capture; injury or refusal can disqualify.
If biometric/IRIS mismatch or non-participation at any stage—candidature is cancelled.
Scribe & Compensatory Time for PwBD
- Own scribe allowed for qualifying PwBD candidates (see official rules). Must not be a candidate for the same exam; must be from a different stream and not LIC employee.
- Compensatory time: 20 minutes/hour for eligible disabilities; only for pre-registered candidates.
- Visually impaired may opt for magnified screens; declaration by both candidate and scribe mandatory.
- Scribe’s qualification must be one step below that of the candidate.
- Misuse or undeclared scribe: Disqualification and legal action.
Annexures and Document Requirements
- Upload recent photo, scanned signature, left thumb impression, and handwritten declaration with the text:
“I, ________ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”
- Handwritten declaration must be in English, entirely by applicant (or thumb + typed by VI candidates).
- Caste/disability/age relaxation/experience/qualification certificates (scanned and originals for interview).
- Annexures (as per notification) for scribe, disability, and training.
Process for Application
- Go to licindia.in > Careers and select the AAO notification link.
- Click “New Registration,” fill details, and get login credentials by SMS/email.
- Continue, upload all images/documents, validate, and submit only after careful review.
- Pay fees online via secure gateway; avoid refresh/back during transaction. Download e-Receipt and final application for record.
- Only one application per post will be accepted; latest complete one will be retained if duplicates.
Misconduct, Disqualification, and Debarment
- Any misrepresentation, use of unfair means, impersonation, or support by illicit means results in cancellation/disqualification, and can attract criminal prosecution and forfeiture of fees/benefits.
- Possession of prohibited gadgets, mobile, watches, or calculators in venue leads to permanent or temporary barring from LIC exams and employment.
- Unethical conduct found during or after exam period—disqualification applies even retrospectively.
FAQs: All You Need to Know
Q1. Can final-year students apply?
No. Graduation result must be declared, and certificate available, by 01-08-2025.
No. Graduation result must be declared, and certificate available, by 01-08-2025.
Q2. Number of attempts?
No restriction, limited only by maximum age and eligibility.
No restriction, limited only by maximum age and eligibility.
Q3. Is there a waitlist/contingency list?
No waiting list is maintained. Only main list candidates are considered.
No waiting list is maintained. Only main list candidates are considered.
Q4. Is there sectional cut-off in stages?
Yes, each section of all tests has mandatory minimum qualifying marks.
Yes, each section of all tests has mandatory minimum qualifying marks.
Q5. Can I opt for posting location?
No. Minimum 5 years posting outside home zone.
No. Minimum 5 years posting outside home zone.
Q6. Does LIC provide pre-exam training?
Yes, for SC/ST/OBC/PwBD at designated Divisional Offices, on self-expense.
Yes, for SC/ST/OBC/PwBD at designated Divisional Offices, on self-expense.
Preparation Strategy: Toppers’ Tips
- Start with the official syllabus and previous year question papers for both Prelims and Mains.
- Reasoning and Quant: Practice daily, focus on accuracy within section time limits.
- Descriptive English: Practice letters, report, situation analysis, precis regularly.
- Current Affairs and Insurance: Follow dedicated magazines, PDFs, RBI/SEBI/IRDA updates.
- Join online test series for exam simulation; analyze each attempt for strengths/weaknesses.
- Prioritize revision in the week before each stage; don’t neglect qualifying English.
Reference & Official Links
Always cross-check details with the official notification and visit the LIC website for any fresh updates or schedule changes.
