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Government recruitment · insurance sector officer · Life Insurance Corporation of India (LIC)

LIC AAO Mock Tests, Syllabus & Complete Exam Guide

LIC Assistant Administrative Officer (Class I Officer). Practise 35 full-length mock tests on the official pattern, drill every topic, and get the eligibility, syllabus, cut-off, rank and college details you need — all in one place.

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LIC AAO at a glance

Stages
Prelims → Mains → Interview
Prelims
Reasoning · Quant · English · 100 marks · 60 min
Mains objective
300 marks + descriptive test
Marking
+1 correct · −0.25 wrong (0.25 penalty)
ModeOnline (computer-based) · Prelims → Mains (with descriptive test) → Interview
FrequencyAs and when vacancies arise (typically once a year)
LanguagesEnglish & Hindi
By the ExamguruX Editorial TeamReviewed for pattern accuracy against Life Insurance Corporation of India (LIC)Last updated 18 August 2026

LIC AAO full-length mock tests

Attempt 35 full-length LIC AAO mock tests built on the official 52-question pattern. The first mock is free — every test comes with instant results and a step-by-step solution for each question.

LIC AAO Full Mock Test 01

Free
52 Qs · 52 marks60 min19.1K attemptsModerate
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LIC AAO Full Mock Test 02

52 Qs · 52 marks60 min23.1K attemptsHard
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LIC AAO Full Mock Test 03

52 Qs · 52 marks60 min27.2K attemptsModerate
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LIC AAO Full Mock Test 04

52 Qs · 52 marks60 min31.2K attemptsHard
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LIC AAO Full Mock Test 05

52 Qs · 52 marks60 min35.3K attemptsEasy
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LIC AAO Full Mock Test 06

52 Qs · 52 marks60 min39.3K attemptsHard
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LIC AAO Full Mock Test 07

52 Qs · 52 marks60 min43.4K attemptsEasy
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LIC AAO Full Mock Test 08

52 Qs · 52 marks60 min47.4K attemptsModerate
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LIC AAO Full Mock Test 09

52 Qs · 52 marks60 min51.5K attemptsEasy
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Unlock all LIC AAO tests

Try the first full-length mock free. Get the complete LIC AAO mock library, every topic test and all available languages for 3 months — a one-time ₹399 / 3 months.

LIC AAO — full access

₹399/ 3 months
  • Every full-length mock test
  • All topic-wise tests, every subject
  • All available languages
  • Step-by-step solution for every question
  • Indicative marks-to-rank & cut-offs

Secure payment by Razorpay · one-time ₹399 for 3 months

LIC AAO topic-wise tests & syllabus

120 topic tests across 4 subjects — a focused set of 15 tests for every topic in the LIC AAO syllabus, tagged with approximate exam weightage so you practise where the marks are.

120 topic-wise tests · 15 per topic across 4 subjects. Pick a subject, expand a topic, and start drilling.

Puzzles & Seating Arrangement — Test 01

12 Qs · 12 marks11 min116K attemptsModerate
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Puzzles & Seating Arrangement — Test 02

12 Qs · 12 marks11 min145K attemptsEasy
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Puzzles & Seating Arrangement — Test 03

20 Qs · 20 marks18 min173K attemptsHard
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Puzzles & Seating Arrangement — Test 04

12 Qs · 12 marks11 min201K attemptsModerate
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Puzzles & Seating Arrangement — Test 05

12 Qs · 12 marks11 min230K attemptsEasy
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Puzzles & Seating Arrangement — Test 06

20 Qs · 20 marks18 min258K attemptsHard
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Puzzles & Seating Arrangement — Test 07

12 Qs · 12 marks11 min286K attemptsModerate
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Puzzles & Seating Arrangement — Test 08

12 Qs · 12 marks11 min315K attemptsEasy
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Puzzles & Seating Arrangement — Test 09

20 Qs · 20 marks18 min43.1K attemptsHard
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Puzzles & Seating Arrangement — Test 10

12 Qs · 12 marks11 min71.5K attemptsModerate
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Puzzles & Seating Arrangement — Test 11

12 Qs · 12 marks11 min99.8K attemptsEasy
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Puzzles & Seating Arrangement — Test 12

20 Qs · 20 marks18 min128K attemptsHard
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Puzzles & Seating Arrangement — Test 13

12 Qs · 12 marks11 min157K attemptsModerate
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Puzzles & Seating Arrangement — Test 14

12 Qs · 12 marks11 min185K attemptsEasy
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Puzzles & Seating Arrangement — Test 15

20 Qs · 20 marks18 min213K attemptsHard
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LIC AAO sample questions

A few real LIC AAO questions with answers and step-by-step solutions, in the exact style of the full mock tests.

Reasoning AbilitySample 1

Statements: All roses are flowers. Some flowers are red. Conclusions: I. Some roses are red. II. All flowers are roses. Which conclusion follows?

  • A.Only I follows
  • B.Only II follows
  • C.Both I and II follow
  • D.Neither I nor II follows

Solution: 'Some flowers are red' does not guarantee any rose is red, so I is not certain; II reverses the first statement without support. Neither follows.

Quantitative AptitudeSample 2

Find the value of 45% of 240 + 30% of 150.

  • A.143
  • B.153
  • C.163
  • D.148

Solution: 45% of 240 = 108 and 30% of 150 = 45; their sum is 108 + 45 = 153.

English LanguageSample 3

Identify the part that contains an error: 'One of my friend / is a doctor / working in / a city hospital.'

  • A.One of my friend
  • B.is a doctor
  • C.working in
  • D.a city hospital

Solution: 'One of' must be followed by a plural noun, so 'friend' should be 'friends'.

General Knowledge & Insurance AwarenessSample 4

In India, the IRDAI is the statutory body that primarily regulates which sector?

  • A.The insurance sector
  • B.The stock exchanges
  • C.Commercial banks only
  • D.Mutual funds only

Solution: IRDAI stands for the Insurance Regulatory and Development Authority of India and regulates and develops the insurance sector.

About the LIC AAO exam

A national recruitment exam that selects Assistant Administrative Officers — Class I officers of the Life Insurance Corporation of India — across generalist and specialist streams (Chartered Accountant, Legal, IT and Actuarial).

What is the LIC AAO exam?

LIC AAO is the Life Insurance Corporation of India's recruitment exam for the post of Assistant Administrative Officer, a Class I officer cadre. It recruits both a generalist stream and specialist streams — Chartered Accountant, Legal, IT and Actuarial — for administrative and technical roles across the country's largest life insurer. Because it offers a stable, well-paid officer's career in the public sector, it attracts lakhs of graduate applicants each cycle.

The selection runs in three stages: a Preliminary exam, a Main exam and an interview. The Prelims is a one-hour, 100-mark screening test across Reasoning Ability, Quantitative Aptitude and English Language (English qualifying), used only to shortlist candidates for the Mains. The Main exam is the scoring stage — an objective paper covering Reasoning, General Knowledge & Current Affairs, Data Analysis & Interpretation, and Insurance & Financial Market Awareness, together with a descriptive test of English and insurance writing. Objective sections carry a one-fourth negative marking, so accuracy under time decides your score.

How to clear LIC AAO

Treat the Prelims as a speed test: Reasoning and Quantitative Aptitude are the most scoreable, so drill puzzles, seating, syllogism, inequality, coding, data interpretation, simplification, number series and arithmetic until they are quick and automatic, and keep English accurate enough to clear its qualifying bar. Because the Prelims only shortlist you, aim to clear each section's cutoff comfortably rather than chase every question.

The Mains is where the exam is won. Data Analysis & Interpretation and Reasoning carry the heaviest weight, while Insurance & Financial Market Awareness rewards steady reading of durable insurance and financial concepts — LIC and IRDAI, types of insurance, and premium and policy terms. Prepare the descriptive test by practising a formal letter, a short essay and a precis on insurance-related topics. Respect the 0.25 negative marking by attempting only when you can reason to a confident choice, and use full timed mocks to build section balance for both stages before the interview.

LIC AAO eligibility & exam pattern

Check whether you meet the LIC AAO eligibility criteria and understand exactly how the paper is structured and marked before you plan your preparation.

Eligibility criteria

Nationality
Indian citizen (with the usual provisions for certain other categories as specified by LIC).
Qualification (Generalist)
A Bachelor's degree in any discipline from a recognised Indian university.
Qualification (Specialist)
Specialist streams need the relevant qualification — e.g. Chartered Accountant (ICAI) for CA, a law degree for Legal, a computer/IT degree for IT, and actuarial papers for the Actuarial stream.
Age
Generally 21 to 30 years, with age relaxation for reserved categories as per government norms.
Computer literacy
Basic knowledge of computer operations is expected of an officer cadre.
Language
Ability to read, write and speak in one regional language of the posting state is desirable.

Exam pattern & marking

SubjectQuestionsMarks
Reasoning Ability (Prelims)Puzzles, seating, syllogism, inequality, coding, blood relations, direction3535
Quantitative Aptitude (Prelims)DI, simplification, number series, arithmetic3535
English Language (Prelims)Qualifying in nature — comprehension, cloze, grammar3030
Mains — Reasoning + DA&IReasoning Ability and Data Analysis & Interpretation60120
Mains — GK/Current AffairsGeneral knowledge and current affairs3060
Mains — Insurance & Financial AwarenessInsurance & financial market awareness3060
Mains — Descriptive (English)Descriptive test of English & insurance writingLetter + essay/precis25
TotalNaN300

LIC AAO selection is a three-stage process. The Preliminary exam has 100 objective questions for 100 marks in 1 hour, split across Reasoning Ability, Quantitative Aptitude and English Language, and is a qualifying screening test in which English is qualifying in nature. Candidates who clear the prelims sit the Main exam, an objective paper of 300 marks — Reasoning Ability, General Knowledge & Current Affairs, Data Analysis & Interpretation, and Insurance & Financial Market Awareness — followed by a descriptive test of English and insurance writing. Each correct answer in the objective sections earns 1 mark and each wrong answer carries a penalty of one-fourth (0.25) of the mark assigned; unanswered questions score zero. Shortlisted candidates then attend an interview, and final merit combines the Main exam and interview. Specialist streams require the relevant professional qualification. On ExamguruX, each question is scored +1 with a 0.25 penalty for a wrong answer, mirroring the real marking, and every question carries a worked solution.

Duration: Prelims (1 hr) + Mains.

How to prepare for LIC AAO

A fresher-friendly LIC AAO roadmap — understand the paper first, follow a month-by-month plan, build a weekly routine and peak with reviewed full-length mocks.

Beginner-friendly roadmap

Your LIC AAO plan: first day to exam day

Start with the paper structure, build concepts in layers, then use timed practice and review to turn preparation into a repeatable score.

Coverage4 subjects
Exam clockPrelims (1 hr) + Mains
MarkingLIC AAO selection is a three-stage process. The Preliminary exam has 100 objective questions for 100 marks in 1 hour, split across Reasoning Ability, Quantitative Aptitude and English Language, and is a qualifying screening test in which English is qualifying in nature. Candidates who clear the prelims sit the Main exam, an objective paper of 300 marks — Reasoning Ability, General Knowledge & Current Affairs, Data Analysis & Interpretation, and Insurance & Financial Market Awareness — followed by a descriptive test of English and insurance writing. Each correct answer in the objective sections earns 1 mark and each wrong answer carries a penalty of one-fourth (0.25) of the mark assigned; unanswered questions score zero. Shortlisted candidates then attend an interview, and final merit combines the Main exam and interview. Specialist streams require the relevant professional qualification. On ExamguruX, each question is scored +1 with a 0.25 penalty for a wrong answer, mirroring the real marking, and every question carries a worked solution.

The first 12 weeks

A plan a fresher can actually follow

  1. Month 1

    Understand the paper and build your base

    Read the official pattern first, then make a realistic subject map for 4 subjects. Begin with Reasoning Ability, Quantitative Aptitude, English Language. Focus on concepts before speed.

    Take one diagnostic topic test. Its purpose is to find gaps, not to judge your score.
  2. Month 2

    Finish the core syllabus through practice

    Cover the remaining syllabus, including General Knowledge & Insurance Awareness, while revising Month 1 every week. Move from untimed questions to short timed sets.

    Keep a single error log: concept missed, why it happened and the correct method.
  3. Month 3

    Build exam temperament with mocks

    Use the real exam time limit (Prelims (1 hr) + Mains) in full-length practice. Review every mock longer than it took to attempt it; the review is where improvement happens.

    Turn each weak area from your error log into a 30–45 minute repair session.

Your repeatable week

The study loop that makes revision stick

  1. 1
    Learn

    Read one focused concept block and make a short revision sheet.

  2. 2
    Solve

    Immediately answer topic questions; do not wait until you have ‘finished’ the syllabus.

  3. 3
    Review

    Log mistakes by concept, not just by score. Revisit them after 2–3 days.

  4. 4
    Simulate

    Use a timed section or mock to practise decisions under the clock.

Mock-test ladder

Don’t start with a full mock every day

  • Month 1: topic tests after each completed concept.
  • Month 2: one timed sectional test each week, plus error-log revision.
  • Month 3: one or two full mocks weekly under the real Prelims (1 hr) + Mains clock.

LIC AAO-specific priorities

What to focus on as you move through the plan

  1. 1

    Clear the Prelims cutoffs efficiently

    The Preliminary exam only shortlists you, so aim to clear each section's cutoff with margin rather than maximise it. Reasoning and Quant are the fastest sources of marks; keep English accurate enough to clear its qualifying bar.

  2. 2

    Make Mains DA&I your strength

    Data Analysis & Interpretation carries heavy weight in the Mains. Practise tables, bar and pie charts, caselets and calculation shortcuts until interpretation and arithmetic are fast and reliable.

  3. 3

    Build Insurance & Financial Awareness steadily

    This section rewards durable concepts — LIC and IRDAI, types of insurance, and premium and policy terms — plus current affairs. Learn a little every day and revise regularly rather than cramming.

  4. 4

    Practise the descriptive test

    The Mains includes a descriptive test of English and insurance writing. Rehearse a formal letter, a short essay and a precis on insurance and financial topics, focusing on clear, error-free English.

  5. 5

    Respect the negative marking

    Objective sections carry a one-fourth (0.25) penalty per wrong answer. Attempt when you can eliminate options to a confident choice, and leave questions you genuinely cannot judge.

  6. 6

    Take full timed mocks

    Both the Prelims and the Mains are time-pressured. Take full-length timed mocks to learn section balance and pacing under negative marking, and review the solution for every question you miss.

Final 7 days

Revise your short notes and error log; do not begin major new topics.

Take only the number of mocks you can properly review; protect sleep and routine.

Confirm the official admit-card instructions, reporting time, centre and permitted items.

Want personal support?

Request an online trainer for your LIC AAO preparation.

Get help with your study plan, difficult concepts and mock-test review, subject to trainer availability.

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LIC AAO scoring & selection

Use this practice benchmark to understand score ranges, qualifying cut-offs and the selection stages for LIC AAO. The conducting authority sets official merit and appointments.

LIC AAO marks vs. rank

Score rangeStageWhat it takes
Prelims: clear each cutoffPrelimsQualifying screen — clear all three section cutoffs to reach Mains
Mains objective: high accuracyMainsThe 300-mark objective paper decides most of your merit
Descriptive: clear, error-free EnglishDescriptiveFormal letter, essay and precis on insurance topics
Interview: composed & informedInterviewCombined with Mains for the final merit list
Specialist stream fitEligibilityCA / Legal / IT / Actuarial need the relevant qualification

Indicative stage requirements

Preliminary examQualifying

Indicative marks: Section-wise cutoffs; only shortlists for Mains

Main exam (objective)Decisive

Indicative marks: 300-mark paper carries most of the merit weight

Descriptive testQualifying

Indicative marks: English & insurance writing, evaluated for shortlisted candidates

InterviewMerit

Indicative marks: Combined with Mains for final selection

Reserved categoriesRelaxed

Indicative marks: Age relaxation and category-wise cutoffs apply

The LIC AAO pattern here — the three-stage Prelims/Mains/Interview process, the qualifying 100-mark Prelims, the 300-mark Mains objective paper with a descriptive test, and the one-fourth (0.25) negative marking — reflects LIC's recent published pattern. Exact vacancies, cutoffs, dates, stream-wise eligibility and marks distribution change each recruitment cycle; always confirm current specifics in the official LIC notification at licindia.in.

Posts recruited through LIC AAO

LIC AAO recruits Assistant Administrative Officers into one generalist cadre and four specialist streams; the stream you apply to depends on your qualifications, and specialist posts require the relevant professional degree or membership. The guide below shows the posts and the kind of performance each selection stage demands — actual vacancies and cutoffs change every recruitment cycle.

PostStreamCadreSelection stage
Assistant Administrative Officer (Generalist)GeneralistClass I OfficerGraduate in any discipline
AAO (Chartered Accountant)CAClass I OfficerMembership of ICAI required
AAO (Legal)LegalClass I OfficerBachelor's degree in Law required
AAO (IT)ITClass I OfficerEngineering / degree in IT or Computer Science
AAO (Actuarial)ActuarialClass I OfficerActuarial papers of the IAI required

A representative view of posts and selection routes linked to LIC AAO. Confirm vacancies, stages and final appointments in the current official notice.

LIC AAO important dates

The typical LIC AAO recruitment timeline, from notification to result and document verification. Dates are tentative until the official notice is released.

  1. Notification & apply

    As per LIC recruitment cycle

  2. Preliminary exam

    A few weeks after the application window closes

  3. Prelims result

    A few weeks after the exam

  4. Main exam

    Typically a few weeks after the prelims result

  5. Interview

    After the Mains result for shortlisted candidates

  6. Final result

    After the interview and document verification

LIC AAO — frequently asked questions

Quick, reliable answers to the questions LIC AAO aspirants ask most.

What is the LIC AAO selection process?

Three stages: a Preliminary exam (objective, qualifying), a Main exam (objective plus a descriptive test), and an interview. The Prelims only shortlist candidates for the Mains, and final merit is based on the Main exam and the interview.

What is the LIC AAO Prelims pattern?

The Preliminary exam has 100 objective questions for 100 marks in 1 hour, across Reasoning Ability, Quantitative Aptitude and English Language. English is qualifying in nature, and the Prelims is used only to screen candidates for the Main exam.

What does the LIC AAO Mains cover?

The Main exam is an objective paper covering Reasoning Ability, General Knowledge & Current Affairs, Data Analysis & Interpretation, and Insurance & Financial Market Awareness, followed by a descriptive test of English and insurance writing.

Is there negative marking in LIC AAO?

Yes. In the objective sections, each wrong answer carries a penalty of one-fourth (0.25) of the marks assigned to that question. Unanswered questions score zero, so guess only when you can reason to a confident choice.

What is the eligibility for LIC AAO?

A Bachelor's degree in any discipline for the generalist post, and the relevant professional qualification for specialist streams — Chartered Accountant, Legal, IT and Actuarial. The age is generally 21 to 30 years with relaxation for reserved categories.

How should I use these mock tests?

Take full-length timed mocks to build speed and section balance under negative marking, and review the solution for every question. Use the topic tests to drill reasoning, quantitative aptitude, English and insurance/financial awareness until each becomes a reliable source of marks.

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Devaseelan

Devaseelan

Cleared NEET