LIC ADO Previous Year Papers 2026 - Download PDF & Preparation Guide

Last Updated: March 2026

The LIC ADO (Life Insurance Corporation of India - Apprentice Development Officer) examination is a golden opportunity for graduates seeking a career in the insurance sales and development sector. This comprehensive guide covers everything about LIC ADO 2026 - exam pattern, syllabus, sample questions, and preparation strategy.

📋 Exam Overview

Attribute	Details
Exam Name	LIC ADO 2026
Conducting Body	Life Insurance Corporation of India (LIC)
Post	Apprentice Development Officer
Job Type	Sales & Marketing Profile
Training Period	1 Year (Apprenticeship)
Job Location	Across India (Division-wise)

About ADO Role

An Apprentice Development Officer is responsible for recruiting, training, and managing insurance agents. The role involves:

Recruiting new agents
Training and motivating the agency force
Achieving business targets
Maintaining relationship with existing policyholders

🎯 Eligibility Criteria

Educational Qualification

Bachelor's Degree in any discipline from a recognized university
No minimum percentage required
Candidates with MBA/Post Graduate Diploma in Marketing have advantage

Age Limit (as of 01/01/2026)

Category	Age Limit
General	21 to 30 years
OBC	21 to 33 years
SC/ST	21 to 35 years
PwBD	21 to 40 years
LIC Employee	Up to 45 years
LIC Agent	Up to 40 years

Experience (Preferred, Not Mandatory)

Prior experience in sales/marketing is advantageous
LIC Agents with 3+ years experience get relaxation

💰 Salary & Pay Scale

Component	Amount
Basic Pay (After Confirmation)	₹44,500/- per month
Pay Scale	₹44,500 - 1,710(14) - 68,440 - 1,805(4) - 75,660/-
Gross Salary	₹65,000 - 80,000/- per month
Annual Package	₹10-12 Lakhs

Additional Benefits

Dearness Allowance (DA)
House Rent Allowance (HRA)
City Compensatory Allowance
Vehicle Allowance
Mobile/Communication Allowance
Performance-based Incentives
Gratuity and Pension

📊 Exam Pattern 2026

Phase 1: Online Examination

Section	No. of Questions	Marks	Duration
Reasoning Ability & Numerical Ability	50	50	Composite time of 120 minutes
General Knowledge, Current Affairs & English Language	50	50
Insurance & Financial Marketing Awareness	50	50
Total	150	150	120 minutes

Key Points:

Negative marking: 0.25 marks for each wrong answer
Sectional cutoffs apply
Only qualifying in nature (not counted for final merit)

Phase 2: Interview

Marks: 40
Tests personality, communication skills, and aptitude for sales
Final selection based on Interview performance

📚 Detailed Syllabus

Reasoning Ability & Numerical Ability

Number Series
Data Interpretation
Simplification
Quadratic Equations
Arithmetic (Percentage, Profit & Loss, SI/CI, Ratio, Average, Time & Work)
Seating Arrangement
Puzzles
Syllogism
Coding-Decoding
Blood Relations
Direction Sense

General Knowledge & Current Affairs

National & International Events
Sports
Awards & Honors
Government Schemes
Static GK (History, Geography, Polity)

English Language

Reading Comprehension
Cloze Test
Error Spotting
Fill in the Blanks
Para Jumbles
Vocabulary

Insurance & Financial Marketing Awareness

History of LIC
Life Insurance Products (Endowment, Term, ULIP, Money Back)
Marketing Concepts (4Ps, Sales Funnel, Lead Generation)
Sales Techniques (Cold Calling, Referral Marketing)
IRDAI Guidelines and Regulations
Financial Market Awareness
Mutual Funds and Investments
Banking Basics and Terminology
Customer Relationship Management
Digital Marketing in Insurance
Agency Management
Business Development Strategies

🧮 Quantitative Aptitude - 15 Practice Questions

Question 1

A number when divided by 296 gives a remainder of 75. What will be the remainder when the same number is divided by 37?

Solution: Let the number be N N = 296q + 75 296 is divisible by 37 (296 = 37 × 8) So remainder when N is divided by 37 = remainder when 75 is divided by 37 = 1

Question 2

The HCF of two numbers is 23 and their LCM is 1449. If one number is 161, find the other.

Solution: HCF × LCM = Product of two numbers 23 × 1449 = 161 × other number Other number = (23 × 1449)/161 = 207

Question 3

A man buys 12 articles for ₹10 and sells 10 articles for ₹12. Find his profit percentage.

Solution: CP of 12 articles = ₹10 → CP of 1 article = ₹10/12 = ₹5/6 SP of 10 articles = ₹12 → SP of 1 article = ₹12/10 = ₹6/5

Profit per article = 6/5 - 5/6 = (36-25)/30 = ₹11/30 Profit % = (11/30) / (5/6) × 100 = (11/30) × (6/5) × 100 = 44%

Question 4

If A:B = 2:3, B:C = 4:5, C:D = 6:7, find A:D.

Solution: A:B = 2:3 = 8:12 B:C = 4:5 = 12:15 C:D = 6:7 = 15:17.5

A:D = 8:17.5 = 16:35

Question 5

A sum of ₹12,500 amounts to ₹15,500 in 4 years at simple interest. What is the rate of interest?

Solution: SI = 15,500 - 12,500 = ₹3,000 Rate = (SI × 100)/(P × T) = (3000 × 100)/(12500 × 4) = 6%

Question 6

A can do a work in 15 days, B in 20 days. They work together for 5 days, then B leaves. How many days will A take to finish the remaining work?

Solution: (A+B)'s 1 day work = 1/15 + 1/20 = 7/60 Work in 5 days = 35/60 = 7/12 Remaining work = 5/12 A will complete in = (5/12) × 15 = 6.25 days

Question 7

The average weight of 8 persons increases by 2.5 kg when a new person comes in place of one of them weighing 65 kg. What is the weight of the new person?

Solution: Total increase = 8 × 2.5 = 20 kg Weight of new person = 65 + 20 = 85 kg

Question 8

A shopkeeper sells an article at 10% discount and still makes 20% profit. If the marked price is ₹600, what is the cost price?

Solution: SP = 600 × 0.90 = ₹540 CP = 540/1.20 = ₹450

Question 9

Find the next number: 3, 10, 29, 66, 127, ?

Solution: Pattern: 1³+2, 2³+2, 3³+2, 4³+2, 5³+2, 6³+2 Next = 6³ + 2 = 216 + 2 = 218

Question 10

The ratio of present ages of father and son is 7:2. After 10 years, the ratio will be 9:4. Find the present age of the father.

Solution: Let present ages be 7x and 2x (7x + 10)/(2x + 10) = 9/4 28x + 40 = 18x + 90 10x = 50 x = 5 Father's age = 7 × 5 = 35 years

Question 11

Two pipes A and B can fill a tank in 20 and 30 minutes respectively. If both pipes are opened together, how long will it take to fill the tank?

Solution: Part filled in 1 minute = 1/20 + 1/30 = 5/60 = 1/12 Time taken = 12 minutes

Question 12

A train 150m long passes a pole in 15 seconds. What is the speed of the train in km/hr?

Solution: Speed = 150/15 = 10 m/s = 10 × 18/5 = 36 km/hr

Question 13

What is the difference between compound interest and simple interest on ₹5,000 at 8% per annum for 2 years?

Solution: Difference = P × R²/100² = 5000 × 64/10000 = ₹32

Question 14

If 40% of a number is 240, what is 75% of that number?

Solution: Number = 240 × 100/40 = 600 75% of 600 = 450

Question 15

A bag contains 4 red, 5 blue, and 6 green balls. One ball is drawn at random. What is the probability that it is not blue?

Solution: Total balls = 15 Not blue = 4 + 6 = 10 Probability = 10/15 = 2/3

🧩 Reasoning Ability - 10 Practice Questions

Question 1

Find the odd one out: 2, 5, 10, 17, 25, 37

Solution: Pattern: 1²+1=2, 2²+1=5, 3²+1=10, 4²+1=17, 5²+1=26, 6²+1=37 25 doesn't fit (should be 26)

Question 2

Statement: All fruits are vegetables. Some vegetables are pulses. No pulse is a cereal. Conclusions: I. Some vegetables are not cereals II. No fruit is a cereal

Question 3

If BLUE is coded as EOXH, how is PINK coded?

Solution: B(2)→E(5): +3, L(12)→O(15): +3, U(21)→X(24): +3, E(5)→H(8): +3 PINK → SLQN

Question 4

A is taller than B but shorter than C. D is shorter than E but taller than A. Who is the tallest?

Question 5

Pointing to a woman, Rajesh said, "She is the daughter of my grandfather's only daughter." How is Rajesh related to the woman?

Solution: Grandfather's only daughter = Rajesh's mother (or aunt, but only daughter means mother) Her daughter = Rajesh's sister

Question 6

Direction: A person walks 10m West, turns right and walks 10m, turns right and walks 10m. How far from start?

Question 7

In a row of students, Priya is 15th from left and 20th from right. How many students are there?

Solution: Total = 15 + 20 - 1 = 34

Question 8

Complete the series: AZ, BY, CX, DW, ?

Solution: First letters: A, B, C, D, E Second letters: Z, Y, X, W, V

Question 9

If SYSTEM is coded as SYSMET, how is FOLDER coded?

Solution: Pattern: First 3 letters same, last 3 letters reversed FOLDER → FOLRED

Question 10

Seating: A, B, C, D, E are sitting in a row. B is between A and E. C is to the right of E. D is at the extreme left. Who is in the middle?

🌍 General Knowledge & Insurance Awareness - 10 Questions

Question 1

What is the full form of ADO in LIC? Answer: Apprentice Development Officer

Question 2

Who regulates the insurance sector in India? Answer: IRDAI (Insurance Regulatory and Development Authority of India)

Question 3

When was the Insurance Act passed in India? Answer: 1938

Question 4

What is the tagline of LIC? Answer: "Yogakshemam Vahamyaham" (Your welfare is our responsibility)

Question 5

Which is the first private sector general insurance company in India? Answer: Royal Sundaram Alliance Insurance

Question 6

What does OPD stand for in health insurance? Answer: Outpatient Department

Question 7

What is the maximum tax deduction under Section 80C for life insurance premium? Answer: ₹1,50,000

Question 8

What is surrender value in insurance? Answer: The amount payable to the policyholder when they voluntarily terminate the policy before maturity

Question 9

What does NAV stand for in ULIP? Answer: Net Asset Value

Question 10

Which type of insurance covers legal liability for damage to third party property? Answer: Third Party Liability Insurance

📝 English Language - 5 Practice Questions

Question 1

Error spotting: "Each of the students / have submitted / their assignments. / No error"

Question 2

Fill in the blank: "She is ___ European citizen."

Question 3

Synonym: BENEVOLENT

Question 4

Antonym: ANCIENT

Question 5

One word substitution: One who cannot be defeated

📈 Previous Year Cutoff Marks

LIC ADO 2023-24 Cutoff (Online Exam)

Category	Overall Cutoff
General	95-100/150
OBC	88-93/150
SC	82-87/150
ST	75-80/150

Interview Cutoff (Out of 40)

Minimum qualifying: 20 marks
Final selection depends on interview performance

📖 Detailed Preparation Strategy for LIC ADO

Understanding the ADO Role

Before starting preparation, understand that ADO is primarily a sales and marketing role. The interview panel looks for:

Communication skills
Leadership qualities
Sales aptitude
Knowledge of insurance products
Motivational capabilities

Month 1: Foundation Building (Weeks 1-4)

Week 1-2: Quantitative Aptitude Basics

Day 1-3: Number System & Simplification

Learn tables up to 30
Squares up to 50, cubes up to 30
BODMAS rules
Decimal and fraction conversions

Day 4-6: Percentage and Profit-Loss

Percentage to fraction conversions
Successive percentage change
Profit-loss basic formulas
Discount calculations

Day 7: Weekly Revision Test

Day 8-10: Ratio, Proportion & Partnership

Direct and indirect proportion
Allegation method
Partnership calculations

Day 11-13: Time & Work, Pipes & Cisterns

Work efficiency method
LCM method for work problems
Pipe filling/draining problems

Day 14: Weekly Test

Week 3-4: Advanced Quant Topics

Time, Speed & Distance
Simple & Compound Interest
Averages and Ages
Data Interpretation basics

Month 2: Reasoning & Insurance Awareness (Weeks 5-8)

Week 5-6: Reasoning Mastery

Daily Schedule:

2 Puzzles (Seating arrangement)
10 Syllogism questions
10 Coding-Decoding
10 Blood Relations/Direction

Week 7-8: Insurance Awareness Deep Dive

Topics to Cover:

LIC History: Founded 1956, nationalization
LIC Products: Jeevan Anand, Jeevan Labh, Term Plan, ULIP
IRDAI Functions and Regulations
Insurance Ombudsman
Claim Settlement Process
Marketing Concepts: Segmentation, Targeting, Positioning

Daily Reading:

The Hindu Business Line (Insurance section)
IRDAI Annual Report summary
LIC Annual Report highlights

Month 3: Revision & Mocks (Weeks 9-12)

Week 9-10: Intensive Mock Tests

Daily Schedule:

1 Full-length mock test (150 questions)
1 hour analysis
Weak area revision
Current Affairs (last 6 months)

Week 11-12: Final Preparation

Previous year papers (2018, 2019, 2022)
Interview preparation
Group discussion topics
Sales scenario practice

Subject-wise Daily Time Table

Subject	Time Allocation
Quantitative Aptitude	2 hours
Reasoning Ability	2 hours
Insurance Awareness	1.5 hours
General Knowledge	1 hour
English Language	1 hour
Mock Tests/Revision	2 hours

Important Topics Priority List

High Priority (Must Master):

Data Interpretation
Seating Arrangements
Insurance Products (LIC)
Simplification
Number Series

Medium Priority:

Syllogism
Puzzles
Arithmetic Word Problems
Current Affairs
Marketing Basics

Lic Ado Papers 2026

LIC ADO Previous Year Papers 2026 - Download PDF & Preparation Guide

📋 Exam Overview

About ADO Role

🎯 Eligibility Criteria

Educational Qualification

Age Limit (as of 01/01/2026)

Experience (Preferred, Not Mandatory)

💰 Salary & Pay Scale

Additional Benefits

📊 Exam Pattern 2026

Phase 1: Online Examination

Phase 2: Interview

📚 Detailed Syllabus

Reasoning Ability & Numerical Ability

General Knowledge & Current Affairs

English Language

Insurance & Financial Marketing Awareness

🧮 Quantitative Aptitude - 15 Practice Questions

Question 1

Question 2

Question 3

Question 4

Question 5

Question 6

Question 7

Question 8

Question 9

Question 10

Question 11

Question 12

Question 13

Question 14

Question 15

🧩 Reasoning Ability - 10 Practice Questions

Question 1

Question 2

Question 3

Question 4

Question 5

Question 6

Question 7

Question 8

Question 9

Question 10

🌍 General Knowledge & Insurance Awareness - 10 Questions

Question 1

Question 2

Question 3

Question 4

Question 5

Question 6

Question 7

Question 8

Question 9

Question 10

📝 English Language - 5 Practice Questions

Question 1

Question 2

Question 3

Question 4

Question 5

📈 Previous Year Cutoff Marks

LIC ADO 2023-24 Cutoff (Online Exam)

Interview Cutoff (Out of 40)

📖 Detailed Preparation Strategy for LIC ADO

Understanding the ADO Role

Month 1: Foundation Building (Weeks 1-4)

Week 1-2: Quantitative Aptitude Basics

Week 3-4: Advanced Quant Topics

Month 2: Reasoning & Insurance Awareness (Weeks 5-8)

Week 5-6: Reasoning Mastery

Week 7-8: Insurance Awareness Deep Dive

Month 3: Revision & Mocks (Weeks 9-12)

Week 9-10: Intensive Mock Tests

Week 11-12: Final Preparation

Subject-wise Daily Time Table

Important Topics Priority List

High Priority (Must Master):

Medium Priority: