LIC AAO Syllabus and Exam Pattern for Prelims & Mains Exam

Candidates will gain in-depth knowledge of the latest LIC AAO syllabus and exam pattern from this article.


LIC AAO Syllabus and Exam Pattern: Every year, LIC conducts examinations for different posts in the insurance sector, and lakhs of candidates appear for these examinations.

There are three stages to the LIC AAO selection process: preliminary, mains, and interview, followed by a subsequent pre-recruitment medical examination. To be eligible for the mains, candidates must pass the prelims, and if they are shortlisted, they must also take an interview or personality test.

LIC AAO Exam Pattern 

There are three stages to the LIC AAO exam:

  1. Preliminary (Qualifying)
  2. Main Exam (Scoring)
  3. Interview/Personality Test (Scoring)

LIC AAO Preliminary Exam Pattern 

Here some improtant points about LIC AAO preliminary exam pattern

  • The online preliminary examination will consist of an objective test. The test will have three sections, each with its own timing, as follows:
  • The exam will be conducted online, and the duration will be 1 hour and 60 minutes (20 minutes for each section).
  • There are three sections: reasoning, quantitative aptitude, and English language. Each question is worth one mark.
  • There will be a negative marking of 0.25 marks in the prelims exam.
  • The English Language Test will be of a qualifying nature, and the English Language Test marks will not be used to determine a candidate’s ranking.
  • Candidates will be shortlisted for the main exam based on vacancies equal to 20 times the number of positions available in each category.

The following table contains the schema of the LIC AAO Prelims Exam Pattern:

SL.No.Name of Tests(Objective)Maximum QuestionsMaximum MarksTime
1English Language303020 minutes
2Numerical Ability353520 minutes
3Reasoning Ability353520 minutes
Total10010060 minutes

LIC AAO Main Exam Pattern 

Here some improtant points about LIC AAO main exam pattern

  • A short list of candidates will be selected for the main exam from those who appear in the preliminary exam.
  • Descriptive tests of 25 marks and objective tests of 300 marks will be part of the main exam.
  • Descriptive and objective tests will both be conducted online.
  • On descriptive tests, candidates will be required to type their answers on a computer.
  • The objective test will have time limits for each section.
  • For each incorrect answer, a penalty of one-fourth of a mark will be deducted.
  • An immediate descriptive test will be given after the conclusion of the objective test.
  • Descriptive tests in the English language, etc., will be of a qualifying nature, and English marks will not be used to determine rank.

The following table contains the schema of the LIC AAO Main Exam Pattern:

SL. No.Name of TestMax. QuestionsMax. MarksMedium of TestTime Allotted
1Reasoning Ability3090English & Hindi40 minutes
2General Knowledge, Current Affairs3060English&Hindi20 minutes
3Professional knowledge3090English & Hindi40 minutes
4Insurance and Financial
Market Awareness
3060English & Hindi20 minutes
Total120300120 minutes
English Language(Letter writing& Essay)/Legal drafting for AAO(Legal)225English30 minutes


LIC AAO Syllabus 

Have a look at the table below to see the subject-wise syllabus for the prelims and mains exams.

LIC AAO Prelims Syllabus 

Here is a look at the detailed syllabus for LIC AAO Prelims given below:

English Language:

  • Reading Comprehension
  • Synonyms and Antonyms
  • Idioms and Phrases
  • Phrasal Verbs
  • Fill in the blanks
  • Para jumbles
  • Vocabulary Test
  • Cloze Test
  • Multiple Meaning /Error Spotting
  • Sentence correction
  • Paragraph Completion
  • Miscellaneous etc.

Numerical Ability:

  • Average
  • Ratio & Proportion
  • Percentage
  • Problems on Age
  • Problems on L.C.M and H.C.F
  • Number Series
  • Simplification and Approximation
  • Partnership
  • Pipes & Cistern
  • Time & Work
  • SI & CI
  • Profit and Loss
  • Speed, Time, & Distance
  • Boat & Stream
  • Problems on train
  • Permutation & Combination
  • Probability
  • Data Interpretation
  • Mixture & Alligation
  • Mensuration
  • Quadratic Equation etc.

Reasoning Ability:

  • Alpha-Numeric-Symbol Series
  • Direction Sense
  • Puzzles & Seating Arrangements
  • Syllogism
  • Inequalities
  • Coding-Decoding
  • Blood Relation
  • Input-Output
  • Data Sufficiency
  • Order and Ranking
  • Logical Reasoning
  • Statement and Assumption
  • Passage Inference
  • Conclusion and Argument etc.

LIC AAO Mains Syllabus 

Here is a look at the detailed syllabus for LIC AAO Prelims given below:

Reasoning :

  • Verbal Reasoning
  • Syllogism
  • Scheduling
  • Analytical and Decision Making
  • Blood Relations, Critical Reasoning
  • Circular Seating Arrangement
  • Linear Seating Arrangement
  • Double Lineup
  • Scheduling
  • Ordering and Ranking, Code Inequalities
  • Input-Output
  • Direction & Distance
  • Data Sufficiency
  • Coding decoding
  • Course of Action
  • Basic knowledge of Computer etc.

General Knowledge & Current Affairs:

  • History of India
  • Indian Economics
  • Geography
  • Countries, Capitals, and Currencies
  • Awards, Honors, and Recognition
  • Science and Technology
  • Indian Constitution
  • Important Days
  • Books and Authors
  • Indian Politics
  • Inventions and Discoveries
  • Financial Institutions – National and International
  • National and International Organizations
  • Current Affairs – National and International
  • Finance, Budget, and Five Year Plans, etc

Data Analysis and Interpretation:

  • Data Handling
  • Data Derivation
  • Data Implementation
  • Pie charts
  • Bar graphs
  • Elementary mathematics

Insurance and Financial Market Awareness

  • Latest policies
  • Insurance and financial market
  • business topics
  • development
  • Current Banking news
  • financial institutes, terminologies & derivations
  • finance topic
  • history of banking
  • history of insurance
  • various laws and policies


Q1. What is the syllabus of the LIC AAO Exam?

Ans. The LIC AAO syllabus and exam pattern for 2023 can both be found in the provided article.

Q2. Will the LIC AAO written tests be conducted in offline or online mode?
Ans. The LIC AAO written test will be conducted in online mode.

Q3. Is the LIC AAO exam for prelims and mains bilingual?
Ans. The tests, except for the Test of English and Hindi Language, will be available bilingually in English and Hindi.

Q4. Is there negative marking in the LIC AAO?
Ans. Each question carries one mark, and there will be 0.25 marks deducted for every question attempted incorrectly by a candidate.

Q5. Is there an interview for all the posts at LIC AAO?
Ans. Yes, the candidate will be invited to the interview stage if they qualify for the written exam (prelims and mains).

For any other LIC AAO related information ,visit the official

READ MORE:LIC AAO Previous Year Question Paper in pdf format along with answer key.

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