Scholarship Examination in India



Life Insurance Corporation of India (LIC) one of the biggest state owned insurance group and Investment Company in India. It offers various services to its customer like insurance plans, pension plans, unit-linked plans, special plans and group schemes. Every year LIC professes a notification regarding upcoming vacancies in LIC to invite all those candidates who aspires to be a part of Life Insurance Corporation and want to pursue it as a career option. LIC has come up with a new notification for various posts like Assistant Administrative Officers, Apprentice Development Officer, Associates posts, LIC Insurance Advisor, Urban Career Agents, CCA, and LIC Agents etc.



Exam Pattern:

The pattern shown below:




No. of Questions

Total Marks


Paper I

Reasoning Ability





2 hours

Numerical Ability



Paper II

GK & Current Affairs



English Language



Paper III

Insurance and Financial Marketing





Selection Process:


The LIC ADO undergoes 3 phases of selection process shown below:





Job Profile:


ADO or Apprentice Development Officer also works in the Insurance Sector. But this job involves a little bit of initial footwork. The job profile of an LIC ADO is a mixed blend of marketing and tactical sales. Primarily is a sales supervision job. The initial order of business involves you understanding the existing LIC policies and areas where sales can be procured easily.

The selected candidates will be required to recruit agents, train them properly and help the recruited agents to sell life insurance to maximum number of persons. They also be required to give prompt after sales service to policyholders. For this considerable movements including tours covering the entire area allotted to them are involved.

LIC ADO is a management cum marketing job. For a person who can get the job done via others, this is the place to be.




Salary Band: Rs. 25,000-30,000/-

The scale is Rs. 17240-840(14)-29000-910(4)-32640

Hence, your final salary as an LIC ADO depends upon the business you generate for the company.



Benefits and Perks:


  • Transport Allowance (TA)
  • Dearness Allowance (DA)
  • House Rent Allowance (HRA)
  • City Compensatory Allowance (CCA)
  • Defined Contributory Pension
  • Special Allowance for passing Actuarial Examination
  • Gratuity
  • LTC
  • Cash Medical Benefit
  • Group Mediclaim
  • Group Personal Accident Insurance and Group Insurance
  • Vehicle Loan (2-wheeler/4-wheeler) as per rules.


Work Pressure:

A large portion of an LIC ADO bonus depends on sales procurement. Hence, the pressure is always on. To clarify further, The Life Insurance Corporation of India is not a government organisation, but a large portion is owned by it. Hence, if an LIC ADO keeps on under-performing for a long period of time, he/ she can be let go. Hence, job security is on the lower end in case of LIC ADO.



Future Growth:


  • Apprentice Development Officer
  • Development Officer
  • Assistant Branch Manager (ABM)
  • Branch Manager (BM)
  • Senior Branch Manager (SBM)
  • Assistant Divisional Manager (ADM)
  • Divisional Manager
  • Senior Divisional Manager
  • Regional Manager


If tactical sales and marketing is your core interest and you wish to make a lot of bonus cash, go for LIC ADO career.

If you put in great effort, you reach up to the level of a Branch Manager in 15 years….!!!! 

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