Lic Aao Papers 2026
LIC AAO Previous Year Papers 2026 - Download PDF & Preparation Guide
Last Updated: March 2026
The LIC AAO (Life Insurance Corporation of India - Assistant Administrative Officer) examination is one of the most prestigious government job opportunities in the insurance sector. This comprehensive guide provides everything you need to know about LIC AAO 2026, including exam pattern, syllabus, previous year papers analysis, sample questions, and preparation strategy.
📋 Exam Overview
| Attribute | Details |
|---|---|
| Exam Name | LIC AAO 2026 |
| Conducting Body | Life Insurance Corporation of India (LIC) |
| Post | Assistant Administrative Officer (AAO) |
| Job Location | Across India |
| Employment Type | Permanent Government Job |
| Official Website | www.licindia.in |
About LIC
Life Insurance Corporation of India is India's largest insurance company, owned by the Government of India. It was established in 1956 and has over 2,000 branches across the country. Working as an AAO at LIC offers excellent career growth, job security, and attractive remuneration.
🎯 Eligibility Criteria
Educational Qualification
- Bachelor's Degree in any discipline from a recognized university
- Minimum 60% marks (55% for SC/ST candidates) in aggregate
- Candidates appearing in final year can also apply provisionally
Age Limit (as of 01/01/2026)
| Category | Age Limit |
|---|---|
| General | 21 to 30 years |
| OBC | 21 to 33 years (3 years relaxation) |
| SC/ST | 21 to 35 years (5 years relaxation) |
| PwBD | 21 to 40 years (10 years relaxation) |
💰 Salary & Pay Scale
| Component | Amount |
|---|---|
| Basic Pay | ₹53,600/- per month |
| Pay Scale | ₹53,600 - ₹2,085(14) - ₹82,790 - ₹2,105(4) - ₹91,210/- |
| Gross Salary | ₹80,000 - ₹95,000/- per month (approximate) |
| Annual CTC | ₹12-14 Lakhs |
Additional Benefits
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Medical Benefits
- Leave Travel Concession (LTC)
- Group Insurance
- Pension under New Pension Scheme
- Performance Linked Incentives
📊 Exam Pattern 2026
The LIC AAO selection process consists of three phases:
Phase 1: Preliminary Examination (Online)
| Section | No. of Questions | Marks | Duration |
|---|---|---|---|
| English Language | 30 | 30 | 20 minutes |
| Quantitative Aptitude | 35 | 35 | 20 minutes |
| Reasoning Ability | 35 | 35 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
Key Points:
- Negative marking: 0.25 marks for each wrong answer
- English section marks are qualifying in nature (not counted for merit)
- Candidates must qualify in each section separately
Phase 2: Main Examination (Online)
| Section | No. of Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 30 | 90 | 40 minutes |
| General Knowledge & Current Affairs | 30 | 60 | 20 minutes |
| Data Analysis & Interpretation | 30 | 90 | 40 minutes |
| Insurance & Financial Market Awareness | 30 | 60 | 20 minutes |
| Total | 120 | 300 | 120 minutes |
Descriptive Test:
- Letter Writing (10 marks)
- Essay Writing (20 marks)
- Duration: 30 minutes
Phase 3: Interview
- Candidates 3 times the number of vacancies are called for interview
- Maximum marks: 60
- Minimum qualifying marks: 30 (General), 27 (SC/ST/OBC)
Final Selection
- Weightage: Mains (300) + Interview (60) = 360 marks
- Prelims is only qualifying in nature
📚 Detailed Syllabus
Quantitative Aptitude
- Simplification & Approximation
- Number Series
- Data Interpretation (Tables, Pie Charts, Bar Graphs, Line Graphs)
- Quadratic Equations
- Arithmetic Problems:
- Percentage
- Profit & Loss
- Simple & Compound Interest
- Ratio & Proportion
- Average
- Problems on Ages
- Time & Work
- Pipes & Cisterns
- Time & Distance
- Boats & Streams
- Mixtures & Alligations
- Probability
- Permutation & Combination
Reasoning Ability
- Seating Arrangement (Circular, Linear, Square)
- Puzzles (Floor-based, Day/Month based, Comparison)
- Syllogism
- Inequality (Direct & Coded)
- Input-Output
- Blood Relations
- Direction Sense
- Order & Ranking
- Alphanumeric Series
- Coding-Decoding
- Data Sufficiency
English Language
- Reading Comprehension
- Cloze Test
- Error Detection
- Sentence Correction
- Para Jumbles
- Fill in the Blanks
- Sentence Improvement
- Vocabulary (Synonyms, Antonyms)
General Knowledge & Current Affairs
- National & International News
- Banking & Financial Awareness
- Government Schemes
- Awards & Honors
- Sports
- Static GK (History, Geography, Polity)
Insurance & Financial Market Awareness
- History of Insurance in India
- LIC - Products, Policies, History
- IRDAI (Insurance Regulatory and Development Authority)
- Types of Insurance (Life, Health, Motor, etc.)
- Financial Market Basics
- Banking Terminology
- Stock Market Basics
- Mutual Funds
🧮 Quantitative Aptitude - 15 Practice Questions with Solutions
Question 1
If 12 men can complete a work in 18 days, in how many days can 8 men complete the same work?
Solution: Using the work formula: M₁ × D₁ = M₂ × D₂
- 12 × 18 = 8 × D₂
- 216 = 8 × D₂
- D₂ = 216 ÷ 8 = 27 days
Shortcut: Men and days are inversely proportional. If men reduce to 8/12 = 2/3, days will increase by 3/2. So 18 × 3/2 = 27 days.
Question 2
A shopkeeper marks his goods 40% above the cost price and allows a discount of 15%. What is his profit percentage?
Solution: Let CP = ₹100
- Marked Price = ₹140
- Selling Price = 140 × 0.85 = ₹119
- Profit = 119 - 100 = ₹19
- Profit % = 19%
Shortcut Formula: Profit % = (Marked % - Discount % - (Marked % × Discount %)/100) = 40 - 15 - (40×15)/100 = 25 - 6 = 19%
Question 3
The average of 5 consecutive odd numbers is 35. Find the largest number.
Solution: Let the numbers be: x, x+2, x+4, x+6, x+8 Average = (5x + 20)/5 = 35 5x + 20 = 175 x = 31 Largest number = x + 8 = 39
Shortcut: For consecutive numbers, average = middle number. So numbers are 31, 33, 35, 37, 39. Largest = 39.
Question 4
A sum of money becomes ₹8,820 in 2 years and ₹9,261 in 3 years at compound interest. Find the principal.
Solution: Difference between 3rd and 2nd year = 9,261 - 8,820 = ₹441 This is the interest on ₹8,820 for 1 year. Rate = (441/8820) × 100 = 5%
Now, P(1 + 5/100)² = 8,820 P × (21/20)² = 8,820 P = 8,820 × 400/441 = ₹8,000
Question 5
A train 200m long crosses a platform 300m long in 25 seconds. Find the speed of the train.
Solution: Total distance = 200 + 300 = 500m Time = 25 seconds Speed = 500/25 = 20 m/s In km/hr = 20 × 18/5 = 72 km/hr
Question 6
The ratio of ages of A and B is 4:5. After 6 years, the ratio becomes 6:7. Find the present age of A.
Solution: Let present ages be 4x and 5x (4x + 6)/(5x + 6) = 6/7 28x + 42 = 30x + 36 2x = 6 x = 3 A's age = 4x = 12 years
Question 7
A and B can complete a work in 12 days and 18 days respectively. They work together for 4 days, then A leaves. How many more days will B take to complete the work?
Solution: A's 1 day work = 1/12 B's 1 day work = 1/18 (A+B)'s 1 day work = 1/12 + 1/18 = 5/36
Work done in 4 days = 4 × 5/36 = 5/9 Remaining work = 4/9
B will complete remaining work in = (4/9) × 18 = 8 days
Question 8
What is the compound interest on ₹16,000 at 12.5% per annum for 2 years compounded annually?
Solution: Amount = P(1 + R/100)ⁿ = 16,000 × (1 + 12.5/100)² = 16,000 × (9/8)² = 16,000 × 81/64 = ₹20,250
CI = 20,250 - 16,000 = ₹4,250
Question 9
In what ratio should water be mixed with milk costing ₹48 per litre to get a mixture worth ₹36 per litre?
Solution:
Using Alligation:
Water (₹0) Milk (₹48)
\ /
₹36
/
(48-36)=12 (36-0)=36
Ratio = 12:36 = 1:3
Question 10
Find the missing number: 2, 6, 12, 20, 30, ?, 56
Solution: Pattern: 1×2, 2×3, 3×4, 4×5, 5×6, 6×7, 7×8 Missing number = 42
Question 11
A pipe can fill a tank in 8 hours. Due to a leak, it takes 10 hours to fill. How long will the leak take to empty the full tank?
Solution: Pipe's 1 hour work = 1/8 (Pipe + Leak)'s 1 hour work = 1/10 Leak's 1 hour work = 1/8 - 1/10 = 1/40 Leak will empty the tank in 40 hours
Question 12
The area of a square is 576 sq.cm. What is the perimeter of a rectangle whose length is twice the side of the square and breadth is half the side of the square?
Solution: Side of square = √576 = 24 cm Length of rectangle = 48 cm Breadth of rectangle = 12 cm Perimeter = 2(48 + 12) = 120 cm
Question 13
By what percentage is 12.5 more than 10?
Solution: Percentage increase = (12.5 - 10)/10 × 100 = 2.5/10 × 100 = 25%
Question 14
Solve: (18 × 15 - 120) ÷ 3 + 45 = ?
Solution: = (270 - 120) ÷ 3 + 45 = 150 ÷ 3 + 45 = 50 + 45 = 95
Question 15
The probability of selecting a red ball from a bag is 3/7. If there are 21 balls in total, how many are not red?
Solution: Red balls = 21 × 3/7 = 9 Non-red balls = 21 - 9 = 12 balls
🧩 Reasoning Ability - 10 Practice Questions with Solutions
Question 1
Directions: Study the following arrangement: B 5 R 1 @ E K 4 F 7 © D A M 2 P 3 % 9 H I W 8 ⋆ 6 U J
How many such consonants are there in the above arrangement, each of which is immediately preceded by a consonant and immediately followed by a number?
- R is preceded by B and followed by 1
- M is preceded by A and followed by 2 (A is vowel, so doesn't count)
- Wait, checking again: Only R fits (preceded by B-consonant, followed by 1-number)
Correct Answer: One (R only)
Question 2
Statement: All pens are books. Some books are pencils. No pencil is an eraser.
Conclusions: I. Some books are not erasers II. All pencils being pens is a possibility
Solution:
- From "Some books are pencils" and "No pencil is eraser" → Some books are not erasers (True)
- All pencils can be pens (Possible, as pens and books have relationship)
Question 3
Coding: If COMPUTER is coded as RFUVQNPC, how is MEDICINE coded?
Solution: Pattern: Each letter is shifted by +1, +2, +3... alternately from end C(3)→R(18): +15, O(15)→F(6): -9...
Actually, simpler pattern: Reverse the word and shift each letter by +1 COMPUTER → RETUPMOC → RFUVQNPC (each +1)
MEDICINE → ENICIDEM → FOJDJENF
Question 4
Seating Arrangement: A, B, C, D, E, F are sitting in a circle. A is between B and C. D is between E and F. E is opposite to B. Who is sitting opposite to C?
Solution: Arranging: B-A-C on one side, E-D-F on other side Since E is opposite B: E-D-F is opposite side So F is opposite A, D is opposite C
Question 5
Blood Relation: Pointing to a photograph, a man said, "I have no brother or sister but that man's father is my father's son." Whose photograph was it?
Solution: "My father's son" = The man himself (since no brother) "That man's father is me" → That man is his son
Question 6
Direction: A man walks 5 km North, turns right and walks 3 km, then turns right again and walks 5 km. How far is he from the starting point?
Solution: Start → 5 km North → 3 km East → 5 km South Final position: 3 km East of start
Question 7
Inequality: Statements: P ≥ Q = R, Q > S ≥ T Conclusions: I. P ≥ T II. T < Q
Solution: P ≥ Q > S ≥ T, so P > T (not P ≥ T necessarily, but actually P > T means P ≥ T is true) Q > S ≥ T, so Q > T, meaning T < Q (True)
Question 8
Syllogism: All lions are tigers. No tiger is a monkey. All monkeys are elephants. Conclusions: I. No lion is a monkey II. Some elephants are not tigers
Solution: I. All lions are tigers, no tiger is monkey → No lion is monkey (True) II. All monkeys are elephants, no monkey is tiger → Some elephants are not tigers (True)
Question 9
Ranking: In a class of 45 students, Ravi's rank is 15th from the top. What is his rank from the bottom?
Solution: Rank from bottom = Total - Rank from top + 1 = 45 - 15 + 1 = 31st
Question 10
Input-Output: Input: 48 23 95 76 32 61 54 Step 1: 95 48 23 76 32 61 54 Step 2: 95 76 48 23 32 61 54 Step 3: 95 76 61 48 23 32 54 What will be Step 5?
Solution: Pattern: Largest number is placed first, then next largest, and so on Step 4: 95 76 61 54 48 23 32 Step 5: 95 76 61 54 48 32 23
🌍 General Knowledge & Insurance Awareness - 10 Questions
Question 1
When was LIC established? Answer: September 1, 1956
Question 2
Who is the current Chairman of LIC (as of 2026)? Answer: Siddhartha Mohanty
Question 3
What does IRDAI stand for? Answer: Insurance Regulatory and Development Authority of India
Question 4
When was IRDAI established? Answer: 1999 (Act passed), became operational in 2000
Question 5
Which is the largest life insurance company in India? Answer: Life Insurance Corporation of India (LIC)
Question 6
What is the minimum paid-up capital required for a life insurance company in India? Answer: ₹100 crores
Question 7
Which section of Income Tax Act provides tax benefit on life insurance premium? Answer: Section 80C
Question 8
What is the current FDI limit in the insurance sector in India? Answer: 74%
Question 9
Which was the first private life insurance company to start operations in India after liberalization? Answer: HDFC Standard Life (now HDFC Life)
Question 10
What does ULIP stand for? Answer: Unit Linked Insurance Plan
📝 English Language - 5 Practice Questions
Question 1
Spot the error: "The principal and staff / are attending / the function / No error"
Question 2
Fill in the blank: "He is ___ honest man." Answer: an (before vowel sound)
Question 3
Synonym: ABUNDANT Answer: Plentiful
Question 4
Antonym: ASCEND Answer: Descend
Question 5
Rearrange: P: that is threatening Q: with a weapon R: the shopkeeper S: the robber Answer: SPRQ - The robber is threatening the shopkeeper with a weapon.
📈 Previous Year Cutoff Marks
LIC AAO 2023-24 Cutoff (Prelims)
| Category | English (Qualifying) | Quant | Reasoning | Overall |
|---|---|---|---|---|
| General | 10 | 18-20 | 18-20 | 55-58 |
| OBC | 8 | 15-17 | 15-17 | 50-53 |
| SC | 8 | 14-16 | 14-16 | 45-48 |
| ST | 8 | 12-14 | 12-14 | 40-43 |
LIC AAO 2023-24 Cutoff (Mains - Out of 360)
| Category | Minimum Qualifying | Final Cutoff |
|---|---|---|
| General | 180 | 245-255 |
| OBC | 162 | 235-245 |
| SC | 162 | 220-230 |
| ST | 162 | 210-220 |
📖 3-Month Preparation Strategy
Month 1: Foundation Building
Week 1-2: Quantitative Aptitude
- Master basic calculations (squares, cubes, tables up to 30)
- Learn percentage, profit-loss, simple interest shortcuts
- Practice 50 questions daily
Week 3-4: Reasoning Ability
- Focus on puzzles and seating arrangements
- Learn syllogism rules and inequality concepts
- Practice 40 questions daily
Month 2: Intensive Practice
Week 5-6: Speed Enhancement
- Timed practice sessions (20 minutes per section)
- Full-length mock tests every alternate day
- Analyze weak areas
Week 7-8: Insurance & GK
- Read insurance awareness capsules
- Current affairs (last 6 months)
- Static GK (Banking, Economy, Government Schemes)
Month 3: Revision & Mock Tests
Week 9-10: Revision
- Revise all shortcuts and formulas
- Practice previous year papers (2016, 2019, 2023)
- Sectional tests daily
Week 11-12: Final Preparation
- Full-length mock tests daily
- Work on time management
- Descriptive writing practice (Letter & Essay)
- Stay calm and confident
📚 Best Books and Resources
Quantitative Aptitude
| Book | Author | Publisher |
|---|---|---|
| Quantitative Aptitude | R.S. Aggarwal | S. Chand |
| Fast Track Objective Arithmetic | Rajesh Verma | Arihant |
| Quantitative Aptitude | Arun Sharma | TMH |
Reasoning Ability
| Book | Author | Publisher |
|---|---|---|
| A Modern Approach to Verbal & Non-Verbal Reasoning | R.S. Aggarwal | S. Chand |
| Analytical Reasoning | M.K. Pandey | BSC Publishing |
English Language
| Book | Author | Publisher |
|---|---|---|
| Objective General English | S.P. Bakshi | Arihant |
| Word Power Made Easy | Norman Lewis | - |
| High School English Grammar | Wren & Martin | - |
Insurance & General Awareness
- Insurance Awareness by Arihant Experts
- Lucent's General Knowledge
- Current Affairs monthly magazines (Pratiyogita Darpan)
- Newspapers: The Hindu, Economic Times
Online Resources
- Websites: AffairsCloud, Gradeup, IBPS Guide
- YouTube Channels: Study IQ, Adda247, Testbook
- Mock Tests: Oliveboard, Testbook, Practice Mock
❓ Frequently Asked Questions (FAQs)
Q1. How many attempts are allowed for LIC AAO?
Q2. Is there negative marking in LIC AAO exam?
Q3. What is the job profile of LIC AAO?
Q4. Is the LIC AAO exam conducted every year?
Q5. Can final year students apply for LIC AAO?
Last Updated: March 2026
Disclaimer: The cutoff marks and exam pattern mentioned are based on previous year data and are indicative. Candidates should refer to the official LIC notification for exact details.