New Vacancy 2026
To crack the LIC AAO Insurance Specialists 2026 exam, understanding the detailed syllabus and exam pattern is mandatory. Aspirants should focus on strategic planning and rigorous time management for each selection phase. Boosting your speed through online mock tests and regular practice is the key to securing a high score in this competitive recruitment. For premium study material and practice sets, follow the expert curated resources on toppersexam.com.
LIC AAO Insurance Specialists Free Mock Test
LIC AAO (Insurance Specialists) Syllabus 2027, Exam Pattern
LIC AAO (Insurance Specialists) Syllabus 2027, Exam Pattern, Exam Date 2027
| Organisation Name | Life Insurance Corporation of India (LIC) |
| Exam Name | LIC AAO 2027 |
| Post Name | AAO Specialist (Insurance Specialists) |
| No .of Vacancies | Notified Soon |
| Application Mode | Online |
| Selection Process | Phase 1, Phase 2 and Interview |
| Category | Syllabus and Exam Pattern |
| Official Website | www.licindia.in |
1. Insurance Underwriting & Claims Management
2. Principles of Insurance & Risk Management
3. Life Insurance Products & Annuities
4. Reinsurance & Risk Sharing Concepts
5. General Insurance Products (Health, Fire, Marine, Motor)
6. IRDAI Regulations & Guidelines
7. Insurance Marketing & Distribution Channels
8. New-Age Trends: Digital Insurance, Bancassurance, InsurTech
Phase I: Preliminary Examination:
Negative Marking : No Negative Marking
| S.No | Subject | No.of Question | Marks | Duration |
| 1 | Reasoning Ability | 35 | 35 | 20 Minutes |
| 2 | Quantitative Aptitude | 35 | 35 | 20 Minutes |
| 3 | English Language with special emphasis on grammar, vocabulary and comprehension |
30 | 30 | 20 Minutes |
| Total | 100 | 100 | 60 Minutes |
Phase II: Mains Examination:
Negative Marking : No Negative Marking
| S.No | Subject | No.of Question | Marks | Duration |
| 1 | Reasoning Ability | 30 | 30 | 20 Minutes |
| 2 | General Awareness with special reference to Insurance and Financial Market Awareness |
20 | 20 | 10 Minutes |
| 3 | Professional Knowledge | 50 | 100 | 30 Minutes |
| Total | 100 | 150 | 60 Minutes | |
| 4 | Professional Knowledge (Descriptive Paper) |
04 out of 06 questions |
50 | 60 Minutes |
| 5 | English Language Descriptive Paper (Communication Skills: Emails, Reports, Situation Analysis & Precis Writing) |
02 | 25 | 30 Minutes |
Phase-III: Interview :
Marks obtained in the Main Examination only will be considered for shortlisting for interview.
I. Maximum Interview marks are 60 and qualifying marks for EWS, Unreserved and OBC candidates are 30. Qualifying marks for SC/ST/PwBD candidates are 27. Candidates who do not obtain the minimum qualifying marks shall be excluded from further selection process. The decision of LIC in this regard shall be final and binding on the candidates and no correspondence will be entertained in this regard.
II. The number of candidates to be called for interview will be approximately three times the number of vacancies to be filled in, subject to the availability of successful candidates in the online main examination and will be as per their ranking in their respective category.
III. The merit order of such group of candidates shall be as per the total marks in main examination and interview. Further, in case of similar marks of two or more candidates the final ranking will be arrived as follows:
a) As per their additional post graduation qualification (i.e. the person with higher educational qualification will be placed higher in the merit order) and further
b) In case of similarity in educational qualification, merit order will be decided on the basis of age, (i.e. senior in age will be placed higher in merit order). LIC will not be bound to take all the candidates with similar mark. It will only take candidates as per vacancy notified.
IV. Outstation candidates called for interview shall be entitled for re-imbursement of Second Class Ordinary to and fro Railway/Bus Fare by the shortest route from the place of residence to the place of interview to be restricted to the fare by Railway Second Class Sleeper including the Reservation charges.
V. There will be no contingency/waiting list for candidates not declared successful in the main list.
LIC AAO Prelims Exam Date 2027 : Notified Soon
LIC AAO Mains Exam Date : Notified Soon
Starting Date of Application Form : Notified Soon
Last Date of Application Form : Notified Soon
LIC AAO (Insurance Specialists) Exam Free Online Test Series
LIC AAO Insurance Specialists Exam Free Online Question Bank
LIC AAO Insurance Specialists Combo Packages
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2. Question Bank - 2000 Questions with Answer.
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5. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
6. 1000 (+) GK MCQ with Answer PDF Book in Hindi.

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Combo - 20 Mains (English)
2. Question Bank - 2000 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. EBook of LIC AAO Insurance Specialists (1000 MCQ) PDF Format in English.
5. 1500 (+) Current Affairs MCQ with Answer PDF in English.
6. 1000 (+) GK MCQ with Answer PDF Book in English.