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Online Mock Tests & Exam Preparation | Target Exams
Government Jobs • Insurance Exams

LIC AAO Online Test Series

Complete preparation for LIC AAO. Chapter-wise practice tests, mock papers and previous year questions for LIC AAO are being added here. Register free to access the full test series as soon as the content goes live.

Exam Pattern Based Up-to-date Questions Detailed Solutions

Preliminary Examination

Official paper structure and available practice sets.
Quantitative Aptitude35 questions • 35 marks • Composite 20 min Reasoning Ability35 questions • 35 marks • Composite 20 min Aa English Language30 questions • 30 marks • Composite 20 min
100 Questions • 100 Marks • 20 Minutes Start Prelims Tests
Pattern verified against Official LIC AAO Generalist Notification (2025 Scheme) — 2025 Generalist.

Main Examination

Official paper structure and available practice sets.
Reasoning Ability30 questions • 90 marks • 40 minutes General Knowledge & Current Affairs30 questions • 60 marks • 20 minutes Data Analysis & Interpretation30 questions • 90 marks • 40 minutes Insurance & Financial Market Awareness30 questions • 60 marks • 20 minutes
120 Questions • 300 Marks • 120 Minutes Start Mains Tests
Pattern verified against Official LIC AAO Generalist Notification (2025 Scheme) — 2025 Generalist.
Verified against Official LIC AAO Generalist Scheme (2025)

LIC AAO Generalist Official Exam Scheme — Zero Negative Marking

LIC AAO selection is a three-phase process. According to official LIC rules, there is NO negative marking in both Preliminary and Main Examinations.

Phase-I: Preliminary Examination

100 Qs / 60 min (20 min per section). English Language (30 Qs / 30 marks) is qualifying only. Ranking for Mains shortlisting is based on 70 aggregate marks (Quant 35 + Reasoning 35). NO negative marking.

Phase-II: Main Examination (Objective)

120 Qs / 300 marks / 120 min — Reasoning (30Q / 90M), Data Analysis (30Q / 90M), GK & Current Affairs (30Q / 60M), Insurance & Financial Market Awareness (30Q / 60M). NO negative marking.

Descriptive Test & Phase-III Interview

Descriptive: 2 Qs (Letter & Essay), 25 marks, 30 min (qualifying, typed on computer). Phase-III Interview carries 60 marks. Final merit is based on Mains Objective (300 marks) + Interview (60 marks).

Official source: LIC Official Careers — AAO Recruitment TargetExams is an independent exam-practice platform and is not affiliated with or endorsed by Life Insurance Corporation of India (LIC) or any government organisation.
Verified against Official LIC AAO Generalist Notification (2025 Scheme)

LIC AAO Generalist Examination Anatomy & Key Highlights

The Assistant Administrative Officer (AAO Generalist) recruitment is conducted by the Life Insurance Corporation of India (LIC). Selection is a three-phase process: Phase-I Preliminary Examination (100 Qs / 70 marks ranking / 60 min, English qualifying), Phase-II Main Examination (120 objective Qs / 300 marks / 120 min + Descriptive 2 Qs / 25 marks / 30 min), and Phase-III Interview (60 marks). There is NO negative marking in either Prelims or Mains.

Conducting Body Life Insurance Corporation of India (LIC)
Exam Frequency Official LIC Recruitment Notification Cycle (2025)
Total Questions & Marks Prelims: 100 MCQs (70 Marks ranking) • Mains: 120 MCQs (300 Marks) + 2 Descriptive (25 Marks)
Exam Duration Prelims: 60 Minutes (20 min/sec) • Mains: 120 Minutes + 30 min Descriptive
Marking Scheme NO Negative Marking in Prelims or Mains (+1.0 Prelims, +2.0/+3.0 Mains)
Cutoff / Standards Sectional qualifying marks in both Prelims & Mains; English is qualifying only
Score Validity For Specified LIC AAO Generalist Batch
Attempt Limit No restriction on number of attempts within prescribed age boundaries (21–30 years)
Minimum Educational Qualifications & Eligibility Norms

LIC AAO Generalist Official Eligibility Criteria & Age Limits

Candidates applying for LIC AAO Generalist 2025 must fulfill the following educational and age requirements as per the official LIC advertisement:

Educational Qualification

Bachelor's Degree (Graduation)

  • Bachelor's Degree in any discipline from a recognised Indian University / Institution.
  • Appearing candidates awaiting final graduation results are NOT eligible to apply.
  • LIC AAO Generalist requires a recognised Bachelor's degree (no clerical/PO/CIBIL restrictions).
Age Limit & Relaxations

Age Requirement (21 to 30 Years)

  • Minimum Age: 21 Years • Maximum Age: 30 Years (as on specified cut-off date, e.g. 01.08.2025).
  • OBC (Non-Creamy Layer): 3 Years Upper Age Relaxation (up to 33 years).
  • SC / ST Candidates: 5 Years Upper Age Relaxation (up to 35 years).
  • PwBD Candidates: 10 Years (UR), 13 Years (OBC), 15 Years (SC/ST) Relaxation; LIC Employees: 5 Years Relaxation.
No Negative Marking Scheme

Official Scoring & Marking Rules

  • Prelims Scoring: 100 Questions, 60 Minutes. English Language (30 Qs / 30 Marks) is qualifying only. Ranking is based on 70 marks (Quant 35 + Reasoning 35). NO negative marking.
  • Mains Objective Scoring: 120 Questions, 300 Marks, 120 Minutes (Reasoning 30Q/90M, Data Analysis 30Q/90M, GK 30Q/60M, Insurance 30Q/60M). NO negative marking.
  • Mains Descriptive: 2 Questions (Letter & Essay), 25 Marks, 30 Minutes (Qualifying in nature, typed on computer).
Important: Application Fee: Rs. 700 + transaction charges for UR / EWS / OBC and Rs. 85 + transaction charges for SC / ST / PwBD candidates.
Official Exam Structure & Marking Scheme

LIC AAO Paper Structure & Marks Distribution

Section-by-section breakdown of total questions, maximum marks, and time duration verified against the official LIC AAO scheme.

Preliminary Examination

Subject / Section Questions Marks Duration
Quantitative Aptitude 35 MCQs 35 Marks 20 Minutes
Reasoning Ability 35 MCQs 35 Marks 20 Minutes
English Language 30 MCQs 30 Marks 20 Minutes
Total (Preliminary Examination) 100 Questions 100 Marks 60 Minutes

Main Examination

Subject / Section Questions Marks Duration
Reasoning Ability 30 MCQs 90 Marks 40 Minutes
General Knowledge & Current Affairs 30 MCQs 60 Marks 20 Minutes
Data Analysis & Interpretation 30 MCQs 90 Marks 40 Minutes
Insurance & Financial Market Awareness 30 MCQs 60 Marks 20 Minutes
Total (Main Examination) 120 Questions 300 Marks 120 Minutes
Step-by-Step Preparation Roadmap

LIC AAO Generalist Step-by-Step Preparation Roadmap

LIC AAO tests Reasoning (35 Qs) and Quantitative Aptitude (35 Qs) for 70 ranking marks in Prelims (English 30 Qs is qualifying). Mains tests Data Analysis (90M), Reasoning (90M), Insurance Awareness (60M), and GK (60M) with zero negative marking. Follow this strategy:

1
Master Data Analysis & Interpretation (90 Marks in Mains)

Data Analysis carries 90 out of 300 marks in Mains. Focus heavily on advanced pie charts, bar/line graphs, missing DI, radar DI, and caselets to score maximum marks in 40 minutes.

2
Study Insurance & Financial Market Awareness (60 Marks in Mains)

Insurance & Financial Market Awareness carries 60 marks in Mains. Study history of life insurance in India, IRDAI regulations, LIC products/policies, bancassurance, reinsurance, and current financial market terminology.

3
Target High Reasoning Score (35M Prelims / 90M Mains)

Reasoning carries 35 marks in Prelims and 90 marks in Mains. Practise high-level seating arrangements, floor/box puzzles, input-output, and critical reasoning.

4
Prepare English Descriptive Paper & Take Zero-Penalty CBT Mocks

Practise typing English letters and essays for the 25-mark Descriptive paper. Attempt full-length CBT mock tests on TargetExams with 0 negative marking to maximize your attempt rate.

Official Clarifications & FAQs

Frequently Asked Questions on LIC AAO

Is there negative marking in LIC AAO examination?

No. According to the official LIC AAO notification, there is NO negative marking in either the Preliminary Examination or the Main Examination.

Do English Language marks count towards Prelims ranking in LIC AAO?

No. The English Language section (30 questions, 30 marks) in Prelims is strictly qualifying in nature. Candidate shortlisting for Mains is based on the 70 aggregate marks scored in Quantitative Aptitude (35 marks) and Reasoning Ability (35 marks).

What is the structure and duration of LIC AAO Mains?

Mains consists of an Objective Test (120 questions, 300 marks, 120 minutes) covering Reasoning (30Q/90M), Data Analysis (30Q/90M), GK (30Q/60M), and Insurance Awareness (30Q/60M), followed by a typed Descriptive Paper (2 questions, 25 marks, 30 minutes, qualifying).

What is the age limit for LIC AAO Generalist?

The minimum age is 21 years and maximum age is 30 years as on the specified cut-off date (e.g. 01.08.2025). Upper age relaxation applies for OBC (+3 yrs), SC/ST (+5 yrs), PwBD (+10-15 yrs), and LIC employees (+5 yrs).

What is the educational qualification for LIC AAO Generalist?

A Bachelor's Degree in any discipline from a recognised Indian University or Institution is required. Candidates in the final year awaiting results are not eligible.

Pattern Verifiedvs Official LIC AAO Scheme
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