LIC ADO 2025: Latest News, Exam Dates, Vacancy, Eligibility and More
Table of Contents
Table of Contents
The Life Insurance Corporation of India conducts the LIC Apprentice Development Officer Exam to recruit candidates for the position that involves selling and promoting insurance policies, recruiting and training agents, and developing new business opportunities. The LIC ADO exam is a highly competitive recruitment exam for candidates interested in a career in the insurance sector.
Latest Notification from LIC ADO
The Life Insurance Corporation (LIC) of India is expected to release the official notification for the LIC Apprentice Development Officer (ADO) 2025 recruitment soon. Here’s what to know based on the 2023 recruitment details, which can give a preview of the upcoming cycle:
- Vacancies: LIC announced around 9,394 vacancies in 2023 across multiple zones in India. Similar vacancy numbers are anticipated for 2025, with a detailed breakdown expected for each regional office.
- Application Process: The online application process will likely be available through the LIC website. In 2023, it included registration, filling in personal details, uploading documents, and paying an application fee (around ₹600 for general categories and ₹50 for SC/ST candidates).
- Selection Stages: The selection process generally involves:
- Preliminary Exam: Covering English Language, Numerical Ability, and Reasoning Ability.
- Main Exam: Expanding to include topics like General Knowledge and Insurance Marketing.
- Interview and Medical Exam.
- Salary and Benefits: The LIC ADO position includes a starting basic pay of approximately ₹35,650 per month, with the total gross pay potentially reaching ₹56,000 in major cities due to various allowances. Benefits such as LTC, medical coverage, vehicle loan options, and insurance are also offered.
- Expected Dates: While specific dates for the 2025 application period and exams are yet to be announced, they will be available on the official LIC website once confirmed.
- Result: The LIC ADO Result 2023 was released by the Life Insurance Corporation of India (LIC) on June 27, 2023. Candidates have received the LIC ADO Final Result on their registered email addresses.
The exam is held annually and is an opportunity for candidates seeking a secure job in the insurance industry with excellent pay and benefits. The exam tests candidates on their knowledge of insurance products, marketing, and sales, as well as their aptitude for leadership and management. Successful candidates in the LIC ADO exam can look forward to a promising career in the insurance sector with ample opportunities for growth and advancement.
About LIC:
It was set up in India as one of the oldest and largest insurance corporations since 1818. In 1956, LIC became a state-owned Insurance Group and Investment Company that is trusted across the country. LIC has many departments and officers, and it is an integral part of the Indian economy.
LIC ADO 2025: Overview
| Exam Name | LIC ADO 2025 |
| Full Form | Life Insurance Corporation Apprentice Development Officer |
| Conducting Body | Life Insurance Corporation of India (LIC) |
| Position | Apprentice Development Officer (ADO) |
| Exam Level | National |
| Frequency | Annually |
| Mode of Application | Online |
| Application Fee | • General/OBC: ₹600 • SC/ST/PWD: ₹50 |
| Selection Process | • Preliminary Exam • Main Exam • Interview • Medical Examination |
| Eligibility Criteria | Bachelor’s Degree (preferably in Marketing or Management) |
| Age Limit | • Minimum: 21 years • Maximum: 30 years (age relaxation as per norms) |
| Total Marks | • Prelims: 100 marks • Mains: 150 marks |
| Salary | ₹51,500 (per month) |
| Job Location | Various LIC Divisional Offices across India |
| Languages | Hindi & English |
| Training Duration | Generally 6-9 months |
| Official Website | licindia.in |
LIC ADO Notification 2025
LIC ADO Notification 2024 is yet to be release the recruitment notification. Candidates can check previous years’ notification below. For all eight zones, LIC published LIC ADO Notification 2023, which lists 9,394 openings for Apprentice Development Officer posts.
| ZONE | English Notification | Hindi Notification |
|---|---|---|
| NORTH | Click Here | Click Here |
| NORTH CENTRAL | Click Here | Click Here |
| CENTRAL | Click Here | Click Here |
| EAST | Click Here | Click Here |
| SOUTH CENTRAL | Click Here | Click Here |
| SOUTHERN | Click Here | Click Here |
| WESTERN | Click Here | Click Here |
| EAST CENTRAL | Click Here | Click Here |
LIC ADO Exam Date 2024
| Events | Dates |
|---|---|
| LIC ADO Notification 2025 | To be notified |
| Online Application Start Date | To be notified |
| Online Application Last Date | To be notified |
| LIC ADO Admit Card 2024 | To be notified |
| LIC ADO Prelims Exam | To be notified |
| LIC ADO Prelims Result | To be notified |
| LIC ADO Mains Exam | To be notified |
| LIC ADO Mains Result | To be notified |
| LIC ADO Final Result 2024 | To be notified |
LIC ADO Application Form 2025
Candidates willing to apply for the LIC ADO exam must visit LIC CAREERS under the heading careers. The candidates can only apply for the post by using the official website. There is no offline application. The candidates are requested to keep all the details like biodata, digital photograph, and signature.
1. How to Apply for the LIC ADO Examination?
The step-by-step process for LIC ADO Apply Online:
- Step 1: Candidates must go to the LIC Official Website, after which a new screen will appear with various links.
- Step 2: Click on the link titled “ONLINE APPLICATION FOR ADO’s RECRUITMENT EXAM 2025”.
- Step 3: Click on “New registration.”
- Step 4: Enter your name, contact details, and email id, and submit.
- Step 5: A registration number and password will be displayed on the screen, which will be noted for further use.
- Step 6: After verification, click on the “VALIDATE YOUR DETAILS,” “SAVE,” AND “NEXT” buttons.
- Step 7: Upload your passport-size photograph and signature.
- Step 8: Review the application before finally submitting the application & click on the Next button.
- Step 9: Click on the “Payment” button to pay the application fees & then click on submit button, which finally submits the application form.
2. LIC ADO Application Fee 2025
The LIC ADO Application Fee is different for candidates. The application fee depends on the reservation category you have applied with. If you have an Unreserved Category or Other Backward Classes, the application fee is Rs 600/-. For everyone else, Scheduled Caste, Scheduled Tribes, and Economically Weaker Section all have an application fee of Rs 50/-.
The fees structure is in the below table:
| Category | Application fee for LIC ADO |
|---|---|
| General/OBC | ₹600 |
| SC/ST/PWD | ₹50 |
After the payment is completed successfully, the system will generate an E-receipt which can be downloaded by the candidate. E-receipt will not be generated for “payment failure” candidates. The candidates must log in again & should complete the transaction process. The failed payment money debited will be reverted to the bank account in 2-3 working days. The payment will be made using Debit cards, Internet banking, credit cards, IMPS, mobile wallets, or cash cards.
LIC ADO Eligibility Criteria 2025
The candidates must follow some eligibility criteria to participate in the LIC ADO exam. The regulations for the eligibility criteria are given below:
1. Age Limit:
The minimum age limit to apply for the post of LIC ADO is 21 years old, and the maximum age should be 30 years old, specified by the LIC as on 1st January 2025. But age relaxation exists for SC/ST/OBC candidates.
The age relaxation for the different categories is given below:
| Category | Upper Age Limit |
|---|---|
| Schedule Caste or Schedule Tribe | 35 years |
| OBC (Non- Creamy Layer) | 33 years |
| LIC Employee (Not from SC, ST, or OBC) | 42 years |
| LIC Employee (From OBC, Non-Creamy Layer) | 45 years |
| LIC Employee (From SC, ST) | 47 years |
| LIC Employee (or any Other agent than DSA, FSE) (Not from SC, ST, OBC ) | 40 years |
| LIC Employee (or any Other agent than DSA, FSE) (From OBC, Non-Creamy Layer) | 43 years |
| LIC Employee (or any Other agent than DSA, FSE) (From SC, ST) | 45 years |
| Ex-servicemen | 30, increased by the number of years of service, is subject to a maximum of 45 years (OBC), 47 years (SC, ST), and 42 years for all others |
| Others | 30 |
2. Experience Required:
The work experience required for eligibility is given below table:
| Category | Urban LIC ADO Recruitment | Rural LIC ADO Recruitment |
|---|---|---|
| LIC Agents Category or other than Agent, such as DSAs/ FSEs | • Not less than 5 years as a 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 no less than ₹ 1,00,000/- on 50 lives in any 3 (Three) of these financial years. | • Not less than 4 years as a 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. |
| Category | Urban and Rural LIC ADO Recruitment |
|---|---|
| LIC Employee Category | Not less than 3 years of service after confirmation in Class III cadre in LIC of India/ |
| Others Category (Open Market) | Preference would be given to candidates with at least 2 years of experience in the life insurance industry or marketing financial products. |
3. Educational Qualification:
The minimum qualification to apply for the post of LIC ADO is that a candidate must have passed a bachelor’s degree from a government-recognized university.
LIC ADO Vacancy 2025
The LIC ADO 2025 vacancies have not been announced yet by the Life Insurance Corporation of India, but you can get the idea by seeing the year 2023 vacancies which is 9,294. Check the official website for the latest update. For LIC ADO 2023 The zone-by-zone distribution, along with categories, is shown in the table below:
| Region Name | 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 |
| Total | 9,394 |
LIC ADO Salary
The Life Insurance Corporation (LIC) offers a competitive salary package for Apprentice Development Officers (ADOs). Here’s a detailed breakdown of the salary structure and allowances:
| Component | Details |
|---|---|
| Basic Pay | INR 35,650 per month |
| Dearness Allowance (DA) | 40% of Basic Pay, revised quarterly based on CPI (Consumer Price Index) |
| House Rent Allowance (HRA) | 7-9% of Basic Pay, depending on the location of posting |
| City Compensatory Allowance (CCA) | 0-4% of Basic Pay, depending on the location of posting |
| Special Personal Allowance | As announced by LIC |
| Professional Allowance | As announced by LIC |
| In-hand Salary | INR 50,000 to INR 56,000 per month |
| Additional Benefits | • Gratuity • Defined Contributory Pension Scheme • LTC • Medical Benefits • Group Insurance • Group Personal Accident Insurance • Vehicle Advance (2-wheeler/4-wheeler) • Reimbursement for Briefcase/Leather Bag • Mobile Handset, etc. |
The in-hand salary for LIC ADOs is quite attractive, ranging between INR 50,000 to INR 56,000 per month, depending on the location and other allowances. This makes the position highly desirable for many candidates.
LIC ADO Admit Card 2025
The candidates can download the LIC ADO admit card 2025 on its official website. The LIC ADO admits card is mandatory for each candidate. Without the admit card, candidates are not allowed into the exam hall. Each candidate should also carry a valid government id card for identification. The admit card will include specific information about the exam center and exam timings.
The step-by-step process to download the admit card for the exam is given below:
1. Steps to Download the LIC ADO Prelim Admit Card:
- Step 1: Log onto the LIC official website to download your Admit Card
- Step 2: Click on the “Careers” tab on the Menu Bar
- Step 3: Click on the Admit Card link given right there for your convenience
- Step 4: Enter your Registration Number or Roll Number and DOB or your selected Password
- Step 5: The link to the Admit Card will be visible after successfully logging in.
2. Documents to be Carried Along with the Admit Card on the Exam Day:
During the exam day, you must carry certain documents, and hard copies Admit card. These documents are as follows:
- Two passport-sized photographs
- Identity Proof (with visible Date of Birth and Photograph)- Aadhaar Card, Voter ID, PAN Card, Driving License, Passport, or any other government document with the Date of Birth and Photograph mentioned.
LIC ADO Syllabus 2025
The Online exam includes two stages: the Preliminary and the Mains exams. There are 3 sections in the prelims exam:
- English language
- Numerical Ability
- Reasoning
The Mains exam consists of all the sections of the Prelims exam, including:
- Current affairs
- General Knowledge
- Insurance Marketing
The candidates should go through the syllabus of each subject properly to crack the exam. The complete topics are in the table below:
| Subject | Topic Covered |
|---|---|
| Reasoning Ability | • Circular and Linear sitting arrangements • Alphabet series • Decoding- Coding • Blood relations • Syllogism • Number series • Data interpretation • Decision making • Mirror images • Calendars and clocks • Statements and Arguments • Puzzles • Statements & Conclusions • Direction and Distance • Mathematical reasoning |
| Numerical Ability | • Time and speed, Percentage • Investment, Number system • Compound and simple interest • Average, number series, quadratic equations, Problems on age • LCM, HCF, Simplifications • Work and time, Area, Profit, and loss • Mixtures & Allegations • Ratio & Proportion, Boat & Stream • Permutation, Combination, and Probability Mensuration • Data Sufficiency • Pie chart, Bar Graph, Pictorial Graph |
| Current Affairs | • General knowledge, General science, banking awareness • Five-year plans and budget • Current sport events • Capitals, countries, currencies • Indian politics, Indian Constitution, and Indian economics • Current events in India • Culture, technology, Science • Insurance Principles • Awards and honors, discoveries, and inventions • Indian History • Important Days, Books, and Authors • National and International Organizations • Current affairs of international and national news |
| English | • Sentence arrangements, word arrangements, fill in the blanks. • Cloze test and comprehension • Phrases and idioms • Paragraph inference, para fillers, vocabulary questions, para completion, para connectors, para restatement • Antonyms, synonyms, sentence correction, sentence error |
| Insurance Market Awareness | • History of General Insurance • Insurance Ombudsman • Introduction and History of Life Insurance • Schemes of Current insurance and Bancassurance • Types of Insurance • Indian Insurance Market • Insurance Current Affairs • Employment State Insurance Scheme • Important topics related to awareness in Insurance • Schemes related to Insurance (PMSBY, PMJJBY, PMFBY, etc.) • Abbreviations related to Insurance Industry • Glossary of insurance terms • Unit Linked Insurance Plan Public • Private Sector Insurance Companies • History of Learn about IRDAI |
| Financial Awareness | • Money market and their respective role in the financial system • Private Investing and derivative markets, secondary and primary markets • Development council and financial stability, international financial organization, the establishment of FSDC • Indian financial market • Bond markets and Stock markets • The Insurance industry, Regulatory agencies, and Mutual funds. • Study of the foreign exchange interbank market • Special Statutes for Certain Financial Intermediaries • Capital markets and the government |
LIC ADO Exam Pattern 2025
The LIC ADO selection process consists of three phases:
- Online Exam
- Interview
- Medical Test.
The online exam includes two stages,
- Preliminary exam
- Mains exam
1. LIC ADO Prelims Exam Pattern
| Sections | No. of Questions | Total Marks | Duration |
|---|---|---|---|
| Reasoning | 35 | 35 | 20 minutes |
| Numerical Ability | 35 | 35 | 20 minutes |
| English Language | 30 | 30 | 20 minutes |
| Total | 100 | 100 | 1 hour |
- The candidates should note that the marks awarded for the English language will not be considered for the final ranking.
- The exam is conducted for all the categories, either in English or Hindi, except for English language vocabulary.
2. LIC ADO Mains Exam Pattern
The total number of marks for all three papers is 160, and candidates have two hours to answer the 160 questions.
| Section | No. of Questions | Total Marks |
|---|---|---|
| Reasoning Ability and Numerical Ability | 50 | 50 |
| General Awareness, Current Affairs, English Language | 50 | 50 |
| Insurance and Financial Marketing Awareness (Special emphasis on Life Insurance and Market Sector) | 60 | 60 |
| Total | 160 | 160 |
The composite Time duration for the exam is 120 minutes (2hrs).
Click here to check out the : Syllabus of PHASE II – MAIN EXAMINATION FOR RECRUITMENT OF ADO
3. LIC Employee / LIC Agent category (Single Phase Examination)
| Subjects | Total Questions | Maximum marks Provided |
|---|---|---|
| Paper – 1 (Numerical and Reasoning ability) | 20 | 20 |
| Paper – 2 (English language, General knowledge, and Current affairs) | 20 | 20 |
| Paper – 3 (Financial sector, Awareness, and knowledge in life Insurance. Financial and Insurance marketing) | 60 | 120 |
| Total | 100 | 160 |
The composite Time duration for the exam is 120 minutes (2hrs)
4. LIC ADO Personal Interview
The marks obtained in the main examination only will be considered for shortlisting for the interview. The
marks obtained in the main examination and the marks obtained in the interview will be considered for the final merit listing of the candidates. The maximum marks for the interview are 40.
5. Medical Exam
The candidates who qualified in the interview round will be taken into medical test procedure. The final list of selected candidates in the examination will be released after the medical test.
LIC ADO Results 2025
The Life Insurance Corporation will announce the LIC ADO Mains Results once the exams are completed. The results are available for download via the official website.
How to check LIC ADO Results?
- Step 1: Visit the official website of LIC and click on “Recruitment of Apprentice Development Officer”
- Step 2: Candidates must check for zone and category in the LIC ADO link.
- Step 3: Enter the registration details and fill in the captcha to log in.
- Step 4: The LIC ADO result status will be appearing on the screen.
Below you can check the result of ADO main exam 2022-23 zone wise released by the LIC on their official website.
Click Here :- Result of ADO RECRUITMENT 2022-23 Main Exam
LIC ADO Cut-Off 2025
Candidates must get qualified (Cross the cut-off in overall subjects and as individual subjects) in every subject to get to the next round or phase. The appointment letter will be sent to all qualified candidates. To receive confirmation from the appropriate division, all shortlisted candidates must undergo a medical examination and have their documents verified.
Knowing the previous year’s cut-off marks can help you understand the cut-off trends that are being followed in the LIC ADO examination. Candidates can use it as a guideline while studying for the LIC ADO exam.
| Category | Interview – Cutoff | Written test – Cutoff | Final – Cutoff |
|---|---|---|---|
| ST (Scheduled Tribe) | 45 | 40 | 85 |
| OBC (Other Backward Cast) | 66 | 52 | 128 |
| SC (Scheduled Caste) | 63 | 47 | 115 |
| UR (Unreserved) | 75 | 60 | 135 |
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Frequently Asked Questions
Q1. What is LIC ADO?
LIC ADO stands for Life Insurance Corporation Apprentice Development Officer, a role focused on recruiting and training LIC agents and managing insurance sales.
Q2. What is a LIC ADO Job Profile?
The LIC ADO job profile involves recruiting and training agents, setting sales targets, and helping agents meet those targets to drive LIC’s growth.
Q3. What is the LIC ADO Age limit?
The typical age limit for LIC ADO candidates is between 21 and 30 years, though it may vary slightly based on category reservations.
Q4. Is the LIC ADO vacancy released zone-wise?
Yes, the LIC ADO vacancies are generally released zone-wise. There are mainly 8 different zones: North, North Central, Central, East, East Central, West, South, and South Central Zones.
Q5. What is the LIC ADO salary?
The starting salary for a LIC Apprentice Development Officer (ADO) is ₹35,650 per month. With various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and City Compensatory Allowance (CCA), the in-hand salary ranges between ₹50,000 to ₹56,000 per month.
Q6. Can a final-year graduate apply for LIC ADO Examination?
Yes, in many cases, final-year graduates are eligible to apply, but they need to present their graduation certificate during the document verification stage.
Q7. What is the Application Fee for the LIC ADO examination?
UR/OBC category applicants are required to pay an application fee of ₹600. Those in the SC/ST/PWD categories must pay an application fee of ₹50.
Q8. Is LIC ADO a government job?
Yes, LIC ADO is a government job since LIC is under government ownership and management.
Q9. How many vacancies have been released?
The official notification for LIC ADO 2024 has not been released yet. Therefore, the number of vacancies for this recruitment is not known at this time.
Q10. What is the post of ADO in LIC?
The ADO, or Apprentice Development Officer, is a supervisory role focusing on the recruitment, training, and management of LIC agents, driving sales and insurance outreach for the corporation.