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ABOUT EXAM
LIC ADO (Apprentice Development Officer) is one of the most prestigious job opportunities as it places you in the most reputed government-owned insurance company in India. LIC conducts a national-level exam to recruit suitable candidates for the post of Apprentice Development Officer. Owing to the perks and allowances offered by the organization, it attracts lakhs of fresh graduates and young professionals to appear for the LIC ADO exam.
Role
The selected candidates are required to sponsor suitable persons to be appointed as Life Insurance Agents, train them properly, and help the recruited agents to sell life insurance to a maximum number of persons. They will also be required to give prompt after-sales service to policyholders. The recruitment of Apprentice Development Officers is for Urban as well as Rural Areas and the selected candidates will have to work in these areas. However, some of the selected candidates are also posted in the jurisdiction of nearby Divisional Office/s within the jurisdiction of the Zone.
LIC ADO 2026 Overview
| Name of Recruitment | LIC ADO |
| Exam conducting Authority | Life Insurance Corporation of India |
| Name of the post | Apprentice Development Officers (ADO) |
| Vacancies | To be announced |
| Mode of Application | Online |
| Mode of exam | CBT |
| Selection procedure | Prelims, Mains, and Interview |
| Official website | www.licindia.in |
LIC ADO 2026: Important dates
| LIC ADO Events | Major Dates |
| LIC ADO Notification Release | To be announced |
| Online Application starts | To be announced |
| Last Date of Payment of Application Fees | To be announced |
| LIC ADO Preliminary Examination | To be announced |
| LIC ADO Mains Examination | To be announced |
| LIC ADO Interview | To be announced |
LIC ADO Eligibility 2026
Age Relaxation
The minimum age limit to apply for the post of LIC ADO 2026 is 21 and the maximum age is 30 years as specified by the LIC. But there is an age relaxation for the candidates belonging to a certain category. For the general category, candidates below 21 and above 30 years of age are not allowed.
The age relaxation for the different categories is given below:
The age relaxation for the different categories is given below:
Experience:
No experience is required for categories other than employee and agent’s categories. However, in other categories, preference would be given to candidates who have at least 2 years’ experience in life insurance industry.
| Category of Applicant | For recruitment in Urban area | For recruitment in Rural area |
| Employee Category | Not less than 3 years of service after confirmation in Class III post | |
| Agents Category | Not less than 5 years as an agent or other than agent (such as DSE/FSE) 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 each of any 3 of these financial years. | Not less than 4 years as an agent or other than agent (such as DSE/FSE) 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. |
| Others | Preference would be given to candidates who have at least 2 years’ experience in life insurance industry. | |
Click here to attempt a free mock test for LIC ADO 2026 exam.
Selection Procedure
Selection for the post of ADO is made on the basis of online tests (preliminary + mains) followed by an Interview of candidates who qualify in the online tests and subsequent pre-recruitment medical examination.Phase-I: Preliminary Examination Pattern
Preliminary Examination: Preliminary Examination consisting of an objective test will be conducted online. The test will have three sections (with separate timings for each section) as follows:
- The Preliminary examination will be the first stage of the selection process and is qualifying in nature. It is conducted in Computer Based Test mode.
- Questions from three subjects, namely i.e., English language, Reasoning Ability, and Quantitative aptitude will be asked at this stage.
- All the subjects of the preliminary examination will account for 100 marks with sectional timing of 20 minutes for each subject.
- As per the marking scheme, 1 mark will be provided for every correct answer while there will be a deduction of 0.25 marks for each wrong answer marked by the candidate.
- English will be of qualifying in nature and its marks will not be considered for the final selection.
Phase-I: Preliminary Examination Pattern
Preliminary Examination: Preliminary Examination consisting of an objective test will be conducted online. The test will have three sections (with separate timings for each section) as follows:- The Preliminary examination will be the first stage of the selection process and is qualifying in nature. It is conducted in Computer Based Test mode.
- Questions from three subjects, namely i.e., English language, Reasoning Ability, and Quantitative aptitude will be asked at this stage.
- All the subjects of the preliminary examination will account for 100 marks with sectional timing of 20 minutes for each subject.
- As per the marking scheme, 1 mark will be provided for every correct answer while there will be a deduction of 0.25 marks for each wrong answer marked by the candidate.
- English will be of qualifying in nature and its marks will not be considered for the final selection.
Phase-II: Mains Examination Pattern
- The Mains examination will be the second stage of the selection process and will be conducted after the Prelims exam
- The LIC ADO is divided into 3 sections
- The total duration of the exam is 2 hours
- The LIC ADO Mains exam will consist of objective-type tests for 160 marks.
Phase-III: Interview
Marks obtained in the Main Examination only will be considered for shortlisting for interview and marks obtained in Main Examination + marks obtained in the Interview will be considered for the final merit listing of candidates.
The maximum marks for the interview are 40.
There will be no contingency/waiting list for candidates not declared successful in the main examination.
The maximum marks for the interview are 40.
There will be no contingency/waiting list for candidates not declared successful in the main examination.
Probation:
An Apprentice Development Officer, who successfully completes the apprenticeship and, in the opinion of the Recruiting Authority may be appointed as a Development Officer and placed on probation. The period of probation shall be for one year which may be extended up to two years.
EXAM PATTERN
Phase -II: Mains Examination pattern
| S. No | Name of test | No of questions | Maximum marks | Medium of Exam | Duration |
| 1. | Reasoning Ability & Numerical Ability | 50 | 50 | English & Hindi | Composite 120 minutes |
| 2. | General Knowledge, minutes Current Affairs and English Language with Special Emphasis on Grammar and vocabulary | 50 | 50 | English & Hindi | |
| 3. | Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Sector | 60 | 60 | English & Hindi | |
| Total | 160 | 160 |
Selection of Apprentice Development Officer from Agents & Employee Category will be done through single phase examination i.e., Main Examination. Main Examination consisting of objective test will be conducted online. Main examination will consist of objective tests for 150 marks.
For Agents Category
| S. No | Name of test | No of questions | Maximum marks | Medium of Exam | Duration |
| 1. | Reasoning Ability & Numerical Ability | 20 | 20 | English & Hindi | Composite 120 minutes |
| 2. | General Knowledge, minutes Current Affairs and English Language with Special Emphasis on Grammar and vocabulary | 20 | 20 | English & Hindi | |
| 3. | Elements of Insurance and Marketing of Insurance. | 60 | 120 | English & Hindi | |
| Total | 100 | 160 |
For Employee Category
| S. No | Name of test | No of questions | Maximum marks | Medium of Exam | Duration |
| 1. | Reasoning Ability & Numerical Ability | 20 | 20 | English & Hindi | Composite 120 minutes |
| 2. | General Knowledge, minutes Current Affairs and English Language with Special Emphasis on Grammar and vocabulary | 20 | 20 | English & Hindi | |
| 3. | Practice and Principle of Insurance Marketing | 60 | 120 | English & Hindi | |
| Total | 100 | 160 |
LIC ADO Preliminary Syllabus
| Sections | Syllabus |
|
English language |
Reading Comprehension Cloze Test Para jumbles Miscellaneous Fill in the blanks Multiple Meaning /Error Spotting Paragraph Completion |
|
Reasoning ability |
Logical Reasoning Alphanumeric Series Ranking/Direction/Alphabet Test Data Sufficiency Coded Inequalities Seating Arrangement Puzzle Tabulation Syllogism Blood Relations Input-Output Coding-Decoding |
|
Quantitative aptitude |
Simplification Profit & Loss Mixtures & Allegations Simple Interest & Compound Interest & Surds & Indices Work & Time Time & Distance Mensuration – Cylinder, Cone, Sphere Data Interpretation Ratio & Proportion, Percentage Sequence & Series Permutation, Combination & Probability |
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