LIC ADO 2026
What LIC officially published for its last ADO recruitment (2022-23) — vacancies, exam pattern, pay and eligibility — while the next notification is awaited.
Overview
LIC recruits Apprentice Development Officers zone by zone for a field marketing role: recruiting, training and leading LIC agents. Open Market candidates take a prelims and a mains; LIC Agents and Employees take a single main exam; then interview and medical.
| Latest notification | Recruitment of ADO 2022-23, Employment Notices dated 21.01.2023 |
| Vacancies (2022-23) | 9,394 (sum of the 8 zonal notices) |
| Categories | Open Market (max 60%) · LIC Agents (max 25%) · LIC Employees (max 15%) |
| Selection | Prelims (Open Market only) → Main exam → Interview (40 marks) → Pre-recruitment medical |
| Pay (2023) | Stipend approx. ₹51,500/month; PDO basic ₹35,650 |
| Status (12 Oct 2026) | 2022-23 cycle complete; next notification not announced |
Latest updates
- 21 Jan 2023: All 8 LIC Zonal Offices issued Employment Notices for <strong>9,394</strong> Apprentice Development Officer vacancies (2022-23).
- 31 Jan 2023: LIC moved the Main examination from 8 April to <strong>23 April 2023</strong>.
- 12 Mar 2023: Online preliminary exam held for Open Market candidates; division-wise lists for the Main exam followed.
- 23 Apr 2023: Main exam held (single phase for LIC Agents and Employees); division-wise interview lists were published category-wise.
- 12 Oct 2026: LIC's careers page lists <strong>no new ADO recruitment</strong> — the next notification has not been released.
General awareness is part of this exam, so keep up with our daily current affairs.
Exam at a glance
- Conducting authority
- Life Insurance Corporation of India — 8 Zonal Offices
- Exam level
- National
- Vacancies
- 9,394 (2022-23)
- Application fee
- ₹750 incl. GST · SC/ST ₹100 intimation charges (plus transaction charges)
- Qualification
- Bachelor's degree from a recognised Indian university, or Fellowship of the Insurance Institute of India; result declared by 1 Jan 2023
Important dates
| Event | Date |
|---|---|
| Zone-wise notifications & online registration open | |
| Notice: Main exam moved from 8 Apr to 23 Apr 2023 | |
| Registration & fee payment close | |
| Online preliminary exam (Open Market) | |
| Online main exam (all categories) (Single-phase exam for LIC Agents & Employees) | |
| Division-wise interview lists, interview & medical (Release dates not printed on the lists) | 2023 |
| Next ADO notification (Not announced by LIC as of 12 Oct 2026; watch licindia.in › Careers) | TBA |
Syllabus
Reasoning Ability
- Prelims: 35 Q / 35 marks, 20 min
- Mains: combined with Numerical Ability (50 Q / 50 marks, Open Market)
Numerical Ability
- Prelims: 35 Q / 35 marks, 20 min
- Mains: combined with Reasoning Ability
English Language
- Prelims: 30 Q, qualifying only (not counted for ranking)
- Mains: with General Knowledge & Current Affairs, special emphasis on grammar and vocabulary
General Knowledge & Current Affairs
- General knowledge
- Current affairs
Insurance & Financial Marketing Awareness
- Special emphasis on knowledge of life insurance and the financial sector (Open Market, 60 Q)
- Elements of insurance and marketing of insurance (LIC Agents)
- Practice and principle of insurance, marketing (LIC Employees)
LIC ADO 2026 exam pattern
2022-23 pattern. Open Market: prelims shortlists ~20× vacancies per category; final merit = Main exam + interview (40 marks). No negative marking.
Prelims (Open Market)
| Section | Questions | Marks |
|---|---|---|
| Reasoning Ability | 35 | 35 |
| Numerical Ability | 35 | 35 |
| English Language (qualifying) | 30 | Qualifying |
| Total (ranked) | 100 | 70 |
- Duration <b>1 hour (20 min per section)</b>
- Negative marking <b>None</b>
- Sectional minimum <b>Yes, set by LIC</b>
Mains (Open Market)
| Section | Questions | Marks |
|---|---|---|
| Reasoning Ability & Numerical Ability | 50 | 50 |
| General Knowledge, Current Affairs & English Language | 50 | 50 |
| Insurance & Financial Marketing Awareness (life insurance & financial sector) | 60 | 60 |
| Total | 160 | 160 |
- Duration <b>120 min (composite)</b>
- Negative marking <b>None</b>
- Interview <b>40 marks</b>
Mains (LIC Agents)
| Section | Questions | Marks |
|---|---|---|
| Reasoning Ability & Numerical Ability | 20 | 20 |
| General Knowledge, Current Affairs & English Language | 20 | 20 |
| Elements of Insurance and Marketing of Insurance | 60 | 120 |
| Total | 100 | 160 |
- Duration <b>120 min (composite)</b>
- Phases <b>Single phase (no prelims)</b>
- Interview <b>40 marks</b>
Mains (LIC Employees)
| Section | Questions | Marks |
|---|---|---|
| Reasoning Ability & Numerical Ability | 20 | 20 |
| General Knowledge, Current Affairs & English Language | 20 | 20 |
| Practice and Principle of Insurance, Marketing | 60 | 120 |
| Total | 100 | 160 |
- Duration <b>120 min (composite)</b>
- Phases <b>Single phase (no prelims)</b>
- Interview <b>40 marks</b>
LIC ADO 2026 eligibility
| Qualification | Bachelor's degree from a recognised Indian university, or Fellowship of the Insurance Institute of India; result declared by 1 Jan 2023 |
| Age limit (Open Market) | 21 – 30 years (born 2 Jan 1993 – 1 Jan 2002) |
| Age reference date | 1 January 2023 (2022-23 cycle) |
| Upper age limits | OBC 33 · SC/ST 35 · LIC Employees 42/45/47 · LIC Agents 40/43/45 (Gen/OBC/SC-ST) · ex-servicemen 30 + service (max 42/45/47) |
| Experience | LIC Employees: 3 yrs confirmed Class III service · LIC Agents: 5 yrs (urban) / 4 yrs (rural) with set premium income · Open Market: none required (2 yrs in life insurance/financial marketing preferred) |
| Application fee | ₹750 incl. GST · SC/ST ₹100 intimation charges (plus transaction charges) |
| Other rules | Apply to one Division only; spouse of an LIC agent not eligible; service bond ₹3 lakh for 4 years |
LIC ADO 2026 vacancies
Zone-wise: Western 1,942 · Southern 1,516 · South Central 1,408 · Northern 1,216 · Eastern 1,049 · North Central 1,033 · East Central 669 · Central 561. Category (summed): UR 3,994 · SC 1,648 · ST 1,025 · OBC 1,897 · EWS 830 (includes 1,945 backlog).
| Year | Vacancies |
|---|---|
| '19 | 8,581 |
| '23 | 9,394 |
LIC prints no national total; 9,394 is the sum of the eight zonal notices of 21.01.2023 (2019 = 8,581, summed the same way from the notices of 20.05.2019). Vacancies were provisional. No vacancies announced for a new cycle.
LIC ADO salary by pay level
Pay as stated in LIC's 2022-23 notification (para 4), excluding LIC Employee-category candidates. Development Officers may also earn performance-linked incentives after confirmation.
| Pay level | Pay scale | Posts |
|---|---|---|
| Apprentice (training) | Stipend = minimum basic + DA of the Development Officer scale (approx. ₹51,500 per LIC) | Apprentice Development Officer |
| Probationary DO | ₹35,650 – ₹90,205 (basic; scale 35650-2200(2)-40050-2595(2)-45240-2645(17)-90205) | Probationary Development Officer (LIC puts total emoluments at the minimum at approx. ₹56,000 in an 'A' class city) |
Frequently asked questions
Is the LIC ADO 2026 notification out?
No. As of 12 October 2026 LIC's careers page lists no ADO recruitment. The last cycle was Recruitment of ADO 2022-23, notified zone-wise on 21 January 2023.
How many vacancies were there in the last LIC ADO recruitment?
The eight zonal notices of 21 January 2023 together listed <strong>9,394</strong> vacancies (Western Zone the largest at 1,942). The 2019 cycle had 8,581.
What is the LIC ADO exam pattern?
In 2022-23, Open Market candidates took a 1-hour prelims (Reasoning 35, Numerical 35, English 30 qualifying) and a 160-mark, 120-minute mains. LIC Agents and Employees took only a 160-mark main exam. An interview of 40 marks followed.
Is there negative marking in LIC ADO?
No. The 2022-23 notification and Main-exam handout both say there is no penalty for wrong answers.
What is the LIC ADO salary?
In 2023 LIC stated an apprentice stipend of about ₹51,500 a month. A Probationary Development Officer starts at a basic pay of ₹35,650, with LIC putting total emoluments at about ₹56,000 in an 'A' class city, plus performance-linked incentives after confirmation.
What is the age limit for LIC ADO?
In 2022-23, Open Market candidates had to be 21 to 30 as on 1 January 2023. Upper limits were higher for OBC (33), SC/ST (35), LIC Agents (40–45) and LIC Employees (42–47).
Do I need sales experience to apply as an Open Market candidate?
No. A bachelor's degree was enough; LIC only said it would prefer candidates with 2 years' experience in life insurance or marketing of financial products.
Important links
- LIC official websiteOfficial
- Official notice: nz-delhi-employment-notice-notification-22-23Official
- Official notice: ncz-kanpur-employment-notice-notification-22-23Official
- Official notice: czo-bhopal-employment-notice-notification-22-23-1-Official
- Official notice: ez-kolkata-employment-notice-notification-22-23Official
- Official notice: scz-hyderabad-employment-notice-notification-22-23Official
- Official notice: sz-chennai-employment-notice-notification-22-23Official
- Official notice: wz-mumbai-employment-notice-notification-22-23Official
- Official notice: ecz-patna-employment-notice-notification-22-23Official
- Official notice: lic-ado-phase-ii-ih-eng-2023-1-1-Official
- Official notice: notice-for-change-in-date-of-main-examination-english-1-Official
- Official notice: display prt-9-Official
- Official notice: DISPLAY PRT-263-Official
- Official notice: DISPLAY PRT-139-Official
- Official notice: annexure-i-examination-centres-listOfficial
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