Insurance · Government Exams

LIC ADO Exam Pattern

LIC ADO has a timed three-section prelims, a composite two-hour mains of 160 marks with no section timers, a 40-mark interview and no negative marking.

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LIC ADO · checked 19 September 2026

The dates, vacancies and rules below are read on the conducting body’s own site and rewritten as each notice appears. The guide beneath carries the full pattern, syllabus, cut-offs and free mock tests.

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19September 2026

Checked 19 September 2026

LIC ADO: the facts that matter now

01
Notification 21 January 2023; applications 21 January – 10 February 2023; prelims 12 March 2023; mains 8 April 2023; final result June 2023; 9,394…
Last cycle
02
Life Insurance Corporation of India; separate notifications from each of the eight zonal offices, with one online examination
Conducted by
03
Apprentice Development Officer — a one-year apprenticeship on stipend, then Probationary Development Officer in Class II
Post
04
Open market (up to 60 per cent of posts), LIC agents (up to 25 per cent) and LIC employees (up to 15 per cent); agents and employees sit the mains…
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Pattern

LIC ADO — How the paper is structured

The pattern is that of the 2023 zonal notifications, which repeated 2019. The most useful thing to know about it is the difference between the two stages: the prelims locks each section to 20 minutes, while the mains is one 120-minute sitting in which time can be moved to the section that pays.

LIC ADO exam pattern — the 2023 notification.
Stage and section	Questions	Marks	Time
Prelims — Reasoning Ability	35	35	20 min
Prelims — Numerical Ability	35	35	20 min
Prelims — English Language (qualifying)	30	30*	20 min
Mains — Reasoning Ability and Numerical Ability	50	50	Composite 120 min
Mains — General Knowledge, Current Affairs and English Language	50	50
Mains — Insurance and Financial Marketing Awareness, with emphasis on life insurance and the financial sector	60	60
Interview	—	40	—

How the marks work

No negative marking at either stage. Prelims English is qualifying and prelims marks are for shortlisting only. The mains is a single 120-minute sitting without section timers, so time can be moved between sections — the opposite of the AAO mains. Agents and employees sit the mains and interview only.

Because the mains has no section timers, the 60-mark insurance section can be done first while the mind is fresh, and the reasoning and numerical section — 50 marks that take longest — can be given the remaining time. Attempt everything: there is no penalty. Prelims marks are not carried forward; final merit is 160 mains marks plus 40 interview marks, so the interview is a fifth of the outcome.