LIC AAO 2026 Exam Pattern and Syllabus: Prelims, Mains & Interview Explained

LIC AAO 2026 Exam Pattern and Syllabus: Prelims, Mains & Interview Explained

The LIC AAO 2026 Exam is a highly competitive recruitment process conducted by the Life Insurance Corporation of India to select Assistant Administrative Officers. To prepare for LIC AAO exam effectively, candidates must clearly understand the latest LIC AAO exam 2026 pattern and syllabus for Prelims, Mains, and Interview.

This article provides a quick and complete overview to help LIC AAO aspirants plan their preparation in the right direction.

LIC AAO Exam Pattern and Syllabus 2026: Overview

Conducted Body

Life Insurance Corporation of India (LIC)

Exam

LIC AAO 2026

Post Name

Assistant Administrative Officer in Generalist and Specialist Post

Exam Category

Government

Selection Procedure

Prelims → Mains → Interview

 

LIC AAO Prelims Exam Pattern 2026 (Generalist & Specialist): Highlights

Particulars

Details

Exam Name

LIC AAO Preliminary Examination

Post

Assistant Administrative Officer (Generalist)

Exam Mode

Online (Objective Type)

Exam Phase

Phase I (Prelims)

Total Duration

60 Minutes

Total Sections

3

Total Questions

100

Negative Marking

No

Sections Included

Reasoning Ability, Quantitative Aptitude, English Language

 

LIC AAO Prelims Exam Pattern (Generalist)

The Preliminary Examination (Phase 1) has only objective types of question and will be conducted online. There will be no negative marking in this phase. Candidates will have to qualify in each of the sections separately. 

English Language test will be qualifying in nature and the marks thereof will not be counted for ranking.

Name of the Test

No. of Questions

Maximum Marks

Medium of Exam

Duration

Reasoning Ability

35

35

English & Hindi

20 Minutes

Quantitative Aptitude

35

35

English & Hindi

20 Minutes

English Language (with emphasis on grammar, vocabulary & comprehension)

30

30

English

20 Minutes

Total

100

70

—

1 Hour

 

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LIC AAO Prelims Exam Pattern (Specialist)

Particulars

Details

Mode of Exam

Online

Exam Type

Preliminary Examination

Sections Covered

Reasoning Ability, Quantitative Aptitude, English Language

Total Sections

3

Total Questions

100

Total Marks

70

Total Duration

60 Minutes

Section-wise Timing

20 Minutes for each section

Negative Marking

1/4th mark deducted for each wrong answer

No Penalty

For unattempted questions

Medium of Exam

English & Hindi (Except English Language section)

English Section Nature

Qualifying only (Marks not counted for ranking)

Sectional Cut-off

Decided by LIC

Overall Cut-off

Decided by LIC

 

LIC AAO Prelims Exam Pattern (Specialist)

The LIC AAO Prelims Exam Pattern for Specialist exam will be conducted online. There is a Negative marking of every wrong answer. English Language test will be of qualifying nature and the marks thereof will not be counted for ranking.

Name of the Test

Number of Questions

Maximum Marks

Medium of Exam

Cut Off

Duration

Reasoning Ability

35

35

English & Hindi

Sectional cut-offs will be decided by LIC

20 Minutes

Quantitative Aptitude

35

35

English & Hindi

Sectional cut-offs will be decided by LIC

20 Minutes

English Language (Grammar, Vocabulary & Comprehension)*

30

30

English

Sectional cut-offs will be decided by LIC

20 Minutes

Total

100

70

—

—

60 Minutes

 

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LIC AAO Mains Exam Pattern 2026: Generalist

Candidates who pass the Preliminary Exam will be eligible for the LIC AAO Mains Exam. The LIC AAO Generalist Mains exams are divided into two parts, an Objective Test and a Descriptive Test, Both exams will be conducted in an online exam.

There will be no negative marking in this stage and the descriptive paper will be qualifying in nature.

Section

Name of the Test

Number of Questions

Maximum Marks

Medium of Exam

Duration

1

Reasoning Ability

30

90

English & Hindi

40 minutes

2

General Knowledge, Current Affairs

30

60

English & Hindi

20 minutes

3

Data Analysis & Interpretation

30

90

English & Hindi

40 minutes

4

Insurance & Financial Market Awareness

30

60

English & Hindi

20 minutes

Total (Objective Test)

120

300

—

2 hours

5

English Language (Descriptive Paper – Communication Skills: Emails, Reports, Situation Analysis & Precis Writing)

2

25

English

30 minutes

 

LIC AAO Mains Exam Pattern 2026: Specialist

The LIC AAO Specialist Mains Exam Pattern for various posts including (CA/CS/Actuarial/Engineering/Legal/Insurance Specialist) is provided below:

Section

Name of the Test

Number of Questions

Maximum Marks

Medium of Exam

Duration

1

Reasoning Ability

30

30

English & Hindi

20 minutes

2

General Awareness (with special reference to Insurance & Financial Market Awareness)

20

20

English & Hindi

10 minutes

3

Professional Knowledge

50

100

English & Hindi

30 minutes

Total (Objective Test)

—

100

150

—

60 minutes

4

Professional Knowledge (Descriptive Paper – 4 out of 6 questions)

—

50

English & Hindi

60 minutes

5

English Language (Descriptive Paper – Communication Skills: Emails, Reports, Situation Analysis & Precis Writing)

2

25

English

30 minutes

 

LIC AAO Syllabus 2026: Subject-wise

The LIC AAO syllabus is almost similar to the bank exams, focusing on areas such as Reasoning, Quantitative Aptitude, General/Financial Awareness, and English Language Comprehension. Check out the below tables for detailed syllabus:

Reasoning Ability

Column 1

Column 2

Seating Arrangements

Alphabet & Number Series

Coding–Decoding

Statement, Arguments & Conclusion

Blood Relations

Syllogism

Direction Test

Machine Input–Output

Puzzles

Analytical Reasoning

Order & Ranking

Logical Reasoning

Input–Output

Alpha-Numeric-Symbol Series

Inequalities

—

 

Quantitative Aptitude

Column 1

Column 2

Simplification

Average

Number Series

Boats and Streams

HCF and LCM

Cistern and Pipe

Simple and Compound Interest

Quadratic Equations

Profit and Loss

Approximation

Permutation and Combination

Mensuration

Problem on Ages

Ratio and Proportion

Work and Time

Partnership

Speed, Distance, and Time

Percentage

Probability

Surds and Indices

Data Sufficiency

Mixtures & Allegations

—

Data Interpretation (Bar Graph, Line Chart, Tabular, Radar/Web, Pie Chart)

 

GK & Current Affairs

Column 1

Column 2

Indian Constitution

Science and Technology

Environment Topics

Books and Authors

National and International Events

Important Days

Government Schemes

Committee, Commissions and Reports

Sports News

Inventions and Discoveries

Awards and Honours

Person in the News

Government Policies

National and International Organisations

New Legislations

—

 

English Language

Column 1

Column 2

Parts of Speech

Idioms and Phrases

Subject–Verb Agreement

Singular–Plural

Error Corrections

Para-jumbles

Sentence Improvement

Fillers

Spotting Errors

Passage Completion

Antonyms and Synonyms

Reading Comprehension

Active and Passive Voice

Cloze Tests

Direct and Indirect Speech

Vocabulary-based Questions

—

Word Usage

—

Phrase/Connector

 

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Data Analysis & Interpretation and Insurance & Financial Market Awareness – Syllabus Overview

Section

Topics Covered

Data Analysis & Interpretation (For Generalists)

Pie Charts, Bar Graphs, Data Handling, Data Derivation, Data Implementation, Elementary Mathematics

Insurance & Financial Market Awareness

Development, Business and Finance Topics, Various Laws and Policies, History of Banking & Insurance, Financial Institutes, Terminologies & Derivations, Current Banking News and Events related to Insurance and Financial Market

 

LIC AAO Syllabus for Professional Knowledge

AAO Discipline

Subjects / Topics Covered

AAO (Chartered Accountant – CA)

Corporate Accounting & Cost Accounting; Financial Management & Corporate Finance; Indian Accounting Standards (Ind-AS); Accounting Standards & Financial Reporting; Taxation (Direct & Indirect); Auditing & Assurance Standards; Basics of Company Law & Corporate Governance; Latest Trends in Accounting & Finance

AAO (Company Secretary – CS)

Secretarial Practices & Corporate Meetings; SEBI Guidelines & Listing Regulations; Company Law & Corporate Governance; Corporate Restructuring, Mergers & Acquisitions; Drafting of Resolutions, Notices & Agreements; Strategic Management & Business Policies; Corporate Compliance Management; Securities Laws & Capital Market Regulations

AAO (Actuarial)

Life Insurance Mathematics; Demography & Survival Models; Risk Models & Contingency Analysis; Probability & Statistics; Financial Mathematics & Investment Analysis; Actuarial Valuations & Reserving; Principles of Life & General Insurance; Basics of Actuarial Standards of Practice (ASPs)

AAO (Insurance Specialist)

Insurance Underwriting & Claims Management; Principles of Insurance & Risk Management; Life Insurance Products & Annuities; Reinsurance & Risk Sharing Concepts; General Insurance Products (Health, Fire, Marine, Motor); IRDAI Regulations & Guidelines; Insurance Marketing & Distribution Channels; New-Age Trends: Digital Insurance, Bancassurance, InsurTech

For Assistant Engineer (Electrical)

Electrical Machines (Transformers, Motors & Generators); Power Systems (Generation, Transmission, Distribution); Circuit Theory & Network Analysis; Power Electronics & Control Systems; Basic Electrical Engineering Principles; Measurements & Instrumentation; Utilisation of Electrical Energy; Renewable Energy & Smart Grid Technologies

 

LIC AAO Interview 2026 – Phase III Details, Marks & Final Selection Process

The LIC AAO Interview 2026 is the Final and most crucial stage of the LIC Assistant Administrative Officer (AAO) recruitment process. Candidates who have successfully qualified the LIC AAO Main Examination 2026 are shortlisted for Phase III – Interview.

For the Final Merit List, the Interview stage plays a crucial role as interview marks are added to the mains exam score to prepare the final selection list. Candidates must secure the minimum qualifying marks in the interview to be eligible for final appointment.

Details of LIC AAO Interview (Phase III – 2026)

The LIC AAO Interview 2026 is conducted only for candidates who clear the main exam.

The Interview is conducted for 60 marks in total

  • 30 marks – General category (EWS / UR / OBC)
  • 27 marks – SC / ST / PwBD candidates

Approximately three times the number of vacancies is called for the interview, based on category-wise merit and availability of posts.

Final Merit List is prepared by combining:

Final Merit = Marks of Main Examination + Interview Marks

LIC AAO 2026 Tie – Breaking Rules

In case two or more candidates score the same total marks, LIC applies the following tie-breaking criteria:

1. Higher educational qualification is given preference.

2. If the tie still persists, the candidate senior in age is ranked higher in the final merit list.

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Why Is the LIC AAO Interview Important?

The LIC AAO Interview round evaluates a candidate’s:

  • Subject knowledge

  • Communication skills

  • Professional attitude

  • Decision-making ability

  • Suitability for a responsible officer-level role at LIC

A strong performance in the interview can significantly improve final selection chances, even if mains scores are close.

To Conclude

Understanding the LIC AAO 2026 syllabus and exam pattern is the first step toward smart preparation. With a clear study plan, regular practice, and consistent effort, aspirants can prepare confidently and improve their chances of success in the LIC AAO exam 2026.

FAQs

Ques: What is the selection process for LIC AAO 2026?

Ans: The LIC AAO 2026 selection process consists of three stages:

  • Preliminary Examination

  • Main Examination

  • Interview (Phase III)

Ques: Is there any negative marking in the LIC AAO Prelims Exam?

Ans: For LIC AAO Generalist Prelims: No negative Marking and For LIC AAO Specialist Prelims: Yes, 1/4th mark is deducted for each wrong answer.

Ques: Is the English Language Section Qualifying in LIC AAO Prelims?

Ans: Yes, the English Language Section qualifying in nature, and its marks are not counted for ranking in both Generalist and Specialist Prelims exams.

Ques: What is the total exam duration of LIC AAO Prelims?

Ans: The LIC AAO Prelims exam duration is 60 minutes, with 20 minutes for each section.

Ques: How many marks is the LIC AAO Interview conducted for?

Ans: The mark for LIC AAO varies as per category:

  • 30 Marks – UR/OBC/EWS

  • 27 Marks – SC/ST/ PwBD

Ques: What are the tie-breaking rules in LIC AAO 2026?

Ans: If two candidates get the same marks then:

  • Candidates with higher educational qualification is preferred

  • If still tied, the older candidate get higher ranked

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