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LIC ADO 2023 Exam

LIC ADO 2023 Free Mock


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LIC ADO 2023 Recruitment Notification

LIC ADO is something which a lot of job-seekers look up to. This year, LIC (Life Insurance Corporation) has released its notification with 9,394 vacancies. Have a look at all the important details of this notification.

LIC (Life Insurance Corporation of India) Details

TypeCentral Public Sector Undertaking
IndustryInsurance and Financial services
Founded1 September 1956 (66 years ago)
HeadquartersMumbai, India
Key people
  • M R Kumar
  • B C Patnaik
    (Managing Director)
    Smt. Ipe Mini
    (Managing Director)
    Siddharth Mohanty
    (Managing Director)
  • Rajkumar
    (Managing Director)
  • Life insurance
  • Health insurance
  • Investment management
  • Mutual fund
Revenue₹724,743 crore (US$91 billion) (2022)
Operating income₹13,975 crore (US$1.8 billion) (2022)
Net income₹4,124 crore (US$520 million) (2022)
Total assets₹4,254,058 crore (US$530 billion) (2022)
Total equity₹11,338 crore (US$1.4 billion) (2022)
OwnerGovernment of India [96%] 
Number of employees114,000 (2020)
  • LIC Housing Finance
  • LIC International Ltd
  • LIC Cards Services Ltd
  • LIC Mutual Fund Ltd
  • LIC Pension Fund Ltd
  • IDBI Bank

LIC ADO 2023 Overview

The notification for LIC ADO (Apprentice Development Officer) 2023 was out comprising of 9,394 vacancies across 8 zones in India. This notification has been released after a gap of 4 years and is a very good opportunity for those aspirants who are looking out to make a career in the insurance sector. We are mentioning all the important details for this exam below. The online registration process has already started on January 21, 2023 and we suggest you to to apply as soon as possible and not wait for the last day.

LIC ADO 2023 Vacancies

A bumper number of 9,394 vacancies have been announced by LIC for the profile of ADO across the 8 regions. Have a look at the region-wise details of vacancies.

Eastern Zonal Office (Kolkata)1049
Western Zonal Office (Mumbai)1942
Northern Zonal Office (New Delhi)1216
East Central Zonal Office (Patna)669
North Central Zonal Office (Kanpur)1033
Southern Zonal Office (Chennai)1516
South Central Zonal Office (Hyderabad)1408
Central Zonal Office (Bhopal)561

LIC ADO 2023 Important Dates

Opening date of On-Line Registration of Application and On-

line payment of Application Fees/Intimation Charges.

January 21, 2023

Last date of On-Line Registration of Application and On-line

payment of Application Fees/Intimation Charges.

February 10, 2023
Download of Call letter for On-Line Examination (Tentative)March 4, 2023 onwards
Date of Online Examination-PreliminaryMarch 12, 2023
Date of Online Examination-MainApril 8, 2023

LIC ADO 2023 Eligibility Criteria

The candidates eligible for recruitment are classified into three categories, namely:

  • LIC Agents Category (An individual appointed or engaged by LIC Of India for the purpose of soliciting or procuring insurance business including business relating to the continuance, renewal or revival of policies of insurance pertaining to LIC Of India; OR (ii) An individual who has been appointed as an agent under the Life Insurance Corporation of India (Agents) Regulations, 2017)
  • LIC Employees Category (a confirmed whole-time salaried employee of LIC Of India belonging to Class III cadre)
  • Others Category (Open Market).

Age (As on 01.01.2023)

  • Minimum: 21 years
  • Maximum: 30 years

In other words, candidates must have been born not earlier than 02.01.1993 and not later than 01.01.2002 (both days inclusive) as on 01.01.2023. Upper age limit is relaxable for certain categories.

Educational Qualifications

A candidate should possess Bachelor's Degree of a University in India that is established under a statute or approved for the purpose or the Fellowship of Insurance Institute of India, Mumbai.


  • Results should have been declared on or before 01.01.2023.
  • Proper documents from the Board / University for having declared the result on or before 01.01.2023 have to be submitted at the time of the interview. The date of passing the examination which is reckoned for eligibility will be the date of passing, appearing on the mark sheet /provisional certificate.
  • It is clarified that the spouse of an agent shall not be eligible for recruitment as an Apprentice Development Officer.


The applicant should have the requisite experience as on 01.01.2023 as indicated below:-

Category of ApplicantFor Recruitment in Urban Area

For Recruitment in

Rural Area

i) LIC Employee


Not less than 3 years of service after confirmation in Class III cadre in LIC of India.
ii) LIC Agents Category or other than Agent, such as DSAs/ FSEs

Not less than 5 years as an LIC agent or other than Agent, such as DSAs/ FSEs and has brought a Net First Year Premium   Income   of   not   less   than

₹5,00,000/-   during   the   immediately

preceding 5 financial years and a Net First Year Premium Income of not less than ₹ 1,00,000/- on 50 lives in any 3

(Three) of these financial years.

Not less than 4 years as an LIC agent or other than Agent, such as DSAs / FSEs and has brought a Net First Year Premium Income of not less than ₹ 1,00,000/- on 50 lives per year in any 3 of the immediately

preceding 4 financial years.

iii)Others Category(Open Market)Preference would be given to candidates who have at least 2 years experience in life insurance industry or in marketing of financial products.

LIC ADO 2023 Selection Procedure

(Prelims => Mains)/ (On-line Test for LIC Agents & LIC Employee Category) => Interview

S. No.Name of TestsNo. of QuestionsMaximum MarksMedium of ExamTime allotted for each test (Separately timed)
1English Language3030**English20 minutes
2Numerical Ability3535English and Hindi20 minutes
3Reasoning Ability3535English and Hindi20 minutes
 Total10070 60 minutes

** English Language test will be of qualifying nature.


  • There will be no penalty for the wrong answers marked. However, random guessing is not advisable.

LIC ADO 2023 Mains Exam Pattern

Mains examination comprises of an Objective Test which is conducted Online and it is for 160 marks and the composite time duration will be 120 minutes. 

SectionSUBJECTNumber of QuestionsMaximum MarksMedium of exam




Reasoning  Ability   &   Numerical



English &






Composite duration of 120 minutes


General Knowledge,

Current Affairs and English Language with Special Emphasis on Grammar and vocabulary






English & Hindi


Insurance and Financial Marketing Awareness  with special emphasis on knowledge of Life Insurance and Financial









English & Hindi

TOTAL 160160  

On-line Test for LIC Agents & LIC Employee Category

Selection of Apprentice Development Officer from LIC Agents & LIC Employee Category will  be  done through a single phase examination i.e. Main Examination. It will be an objective test, which will be conducted online for 160 marks. The objective test will have composite duration of two hours, i.e. 120 minutes.

For LIC Agents Category

SectionName of testNumber of QuestionsMaximum MarksMedium of examDuration
1Reasoning Ability & Numerical Ability2020

English &




Composite 120



General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and


2020English & Hindi

Elements of Insurance and

Marketing of Insurance.


English &


TOTAL 100160  

For LIC Employee Category

SectionName of testNumber of QuestionsMaximum MarksMedium of examDuration

Reasoning Ability &

Numerical Ability


English &


Composite 120



General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and


2020English & Hindi

Practice  and   Principle   of

Insurance, Marketing


English &


TOTAL 100160  


  • Candidate MUST obtain minimum qualifying marks in each Section separately and should also obtain minimum marks in the aggregate to qualify for the examinations (Preliminary and Main) and in the interview.
  • The minimum marks to be obtained in each paper and in the aggregate shall be decided by LIC of India.
  • LIC of India reserves the right to fix the minimum qualifying marks in order to restrict the number of candidates to be called for the On-line Test and/or Interview, commensurate with the number of vacancies. The decision of LIC of India in this regard shall be final and binding on the candidates. No correspondence will be entertained in this regard.

LIC ADO 2023 Syllabus

For your convenience, we have listed the syllabus and mentioned prominent topics that you must prepare in order to keep up your exam preparation levels. 

LIC ADO Prelims

English LanguageReasoning AbilityQuantitative Aptitude
Cloze TestAlpha-numeric/ Alphabetical SeriesAge Problems
Correct UsageAnalogyAverage
Error SpottingAnalytical ReasoningBoats and Stream
Fillers – Single, DoubleBlood RelationsClock and Calendar Problems
Idioms and PhrasesCoded InequalitiesData Interpretation – Charts and Graphs: Line Graph, Bar Graph, Pie Chart; Tabular; Caselet; Mixed DI
Odd One OutCoding and DecodingData Sufficiency
One Word SubstitutionData SufficiencyLCM and H.C.F
ParajumblesDirections and DistancesMensuration
Paragraph CompletionDouble Line-upMixture and Allegations
Reading ComprehensionInequalityNumber Series
Sentence ImprovementInput OutputNumber System
Synonyms/ AntonymsOrder and Ranking/DirectionPartnership
Vocabulary based questionsPuzzles – Box based, Floor, Calendar, Day/Months based, etc.Percentage
Word/Phrase ReplacementSchedulingPermutation and Combination
 Seating Arrangement– Linear, Circular, Facing Inside/Outside, MixedPipes and Cisterns
 Statement and ConclusionProbability
 Statement-Course of ActionProfit, Loss and Discount
 SyllogismQuadratic Equations
  Simple and Compound Interest
  Simplification & Approximation

LIC ADO 2023 Mains Syllabus

Insurance Market AwarenessFinancial Market Awareness
History of the Insurance sector in IndiaIndian Financial System- An Introduction
Opening Up of the Insurance SectorAn Overview of Capital Market
Current Scenario of the Life Insurance IndustryAn Overview of Money Market
What is Insurance?Definitions of Different Types of Money Market Instruments
Principles of InsurancePrimary and Secondary Market
An Overview of Life InsuranceFinancial Institutions- Banking and Non-Banking
An Overview of General InsuranceAll about RBI
Insurance and Industries/ BusinessRoles and Functions of RBI
All about IRDAOther Market Regulators like SEBI
Roles and Functions of IRDAPayments Banks and Small Banks
Insurance Regulatory FrameworkSecondary Market and its Instruments
An Overview of LICMergers, Amalgamations and Takeovers
Other institutions in Indian Insurance Market like Insurance OmbudsmanImportant World Financial Bodies – World Bank, IMF etc.
An Overview of BancassuranceAn Overview of Bond Market
An Overview of ULIPs 
Various Government Insurance Schemes 
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB – PM-JAY) 
Pradhan Mantri Suraksha Bima Yojana (PM – SBY) 
PM Jeevan Jyoti Bima Yojana (PMJJBY) 
PM Fasal Bima Yojana (PM-FBY) 
Other Important Government Upcoming schemes 

LIC ADO 2023 Previous Year Cut-offs

Cut-off is very important to aspirants. While it's extremely difficult to predict the cut-offs of the upcoming exam, we are providing  you wtih the previous year cut-offs to help you get an idea.

LIC ADO- Previous Years' Cut-off 2018


LIC ADO- Previous Years' Cut-off 2015


LIC ADO 2023 Job Profile

As far as the as the job profile of LIC ADO is concerned, the Apprentice Development Officer requires little bit of initial footwork. Moreover, the job profile is a blend of marketing and tactical sales. Other than this the other work to be done by them includes:

  • Recruiting agents for selling LIC policies
  • Assigning a target quota and maintaining overall integrity in sales
  • Provide training to the selected agents
  • Analysing the performance of each agent in terms of their marketing capabilities and shortcomings if any.

LIC ADO 2023 Salary

During apprentice, candidates selected as LIC ADO are paid a fixed amount as stipend on monthly basis as per the rules of the Corporation.

  • At present, the amount of stipend will be approximately ₹.51500/- per month, except in case of the candidates selected from LIC Employee Category.
  • A Probationary Development Officer at a specified Headquarter in the area will be placed in the scale of ₹35,650-2200(2)-40,050-2595(2)-45,240-2645(17)-90,205 plus allowances and other benefits as per the rules in force.
  • On appointment as a Probationary Development Officer, the basic pay of ₹ 35650/- per month (except for LIC Employee Category candidates) in the scale of 35650-2200(2)-40050-2595(2)-45240-2645 (17)-90205 and 3 other admissible allowances as per rules shall be payable.
  • Total emoluments at the minimum of the scale will be inclusive of House Rent Allowance & City Compensatory Allowance, wherever admissible depending upon the classification of city. It will be approximately ₹ 56000/- in an ‘A' Class City.

Other special allowances included in the pay scale of LIC ADO 2023 are:

  • LTC, Medical Benefit
  • Vehicle advance (2-wheeler/4-wheeler)
  • Gratuity
  • Defined Contributory Pension Scheme
  • Group Insurance, Group Personal Accident Insurance
  • Reimbursement towards the cost of Brief Case/leather bag, mobile handset
  • Supply of dailies as per rules and on confirmation in service

Exam Date

March 12, 2023

Total Vacancies


Pricing Plan

Flexible pricing options for all the aspirants


What is the age limit for LIC ADO?

The age limit is Minimum 21 years and maximum 30 years.

When is the LIC ADO exam date? +

The exam dates for LIC ADO is yet to be announced.

What is the number of vacancy in LIC ADO? +

The total number of vacancies in LIC ADO are 9394.

What is the last date of On-Line Registration of Application? +

The last date of Online Registration of Application is February 10, 2023.

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