LIC ADO Exam 2026

Overview

The Life Insurance Corporation of India (LIC) recruits Apprentice Development Officers (ADO) across multiple zones in India. An ADO is responsible for recruiting insurance agents, training them, and supervising the sales of life insurance policies within their designated region.

Important Dates

Event	Date
Official Notification Release	July 30, 2026
Online Applications Start	August 10, 2026
Online Applications Close	September 10, 2026
Prelims Admit Card	November 1, 2026
Preliminary Online Exam	November 14 & 15, 2026
Mains Online Exam	December 12, 2026
Interview Schedule	Feb – Mar 2027

Eligibility Criteria

Educational Qualification

• Minimum Qualification: Graduation / Bachelor's Degree in any discipline from a recognized University or institute.
• Preferential weightage is given to candidates possessing an MBA in Marketing or a Postgraduate Diploma in Business Administration.

Age Limit

• Minimum Age: 21 years
• Maximum Age: 30 years
• OBC / SC / ST / LIC Employees: Age relaxations apply as per standard rules.

Selection Process

The selection process for Apprentice Development Officers consists of:

1. Preliminary Online Examination (For Open Market Category)

• Reasoning Ability: 35 Qs / 35 Marks / 20 mins
• Numerical Ability: 35 Qs / 35 Marks / 20 mins
• English Language (Qualifying): 30 Qs / 30 Marks / 20 mins
• Total: 100 Qs / 70 Marks (English marks are not counted for ranking) / 60 minutes.

2. Main Online Examination

• Coined differently for Open Market, LIC Agent, and LIC Employee categories.
• Open Market Pattern: Reasoning & Numerical (50 marks), English & GK (50 marks), Insurance & Financial Market Awareness (60 marks).
• Total: 160 Marks / 120 minutes.

3. Interview / Personality Test

• Interview Marks: 40 Marks.

Salary & Allowances

During the apprentice period, candidates receive a fixed stipend of ₹36,000 per month. Upon regular appointment as a Probationary Development Officer:

• Basic Pay: ₹35,650
• Total Emoluments (including DA, HRA, CCA, etc.): ~₹56,000 per month in Class 'A' cities.
• Performance-linked commission and incentives are also provided.

Frequently Asked Questions

Q: Are LIC employees and agents eligible for special age relaxation?
Yes. LIC agents get age relaxations up to 40 years (for general), and LIC employees get relaxations up to 42 years (for general).

Q: Is there any negative marking in the LIC ADO exam?
No. There is no negative marking in either the Preliminary or the Main online examinations for LIC ADO.