Difference Between LIC AAO and LIC ADO – Know Here

Difference between LIC AAO and LIC ADO: Life Insurance Corporation (LIC) is an insurance company. It provides a number of services from life insurance to investment and banking services. LIC usually puts out recruitment for the posts of Administrative Assistant and Apprentice Development Officer. However, these are not annual recruitments, but on the basis of vacancies available. However, both posts and exams are quite different. In this blog, we will see the distinction between LIC AAO & LIC ADO and which one is better than the other.

Difference between LIC AAO and LIC ADO

The following are the areas that we will cover to understand the difference between these two posts:

• About the posts
• Job Profile, Salary, and Perks
• Selection Process
• Eligibility

Let’s learn about the difference between these two recruitments from LIC in detail.

About LIC AAO and LIC ADO

LIC usually releases the recruitment notification for Administrative Assistants and Apprentice Development Officers when there are vacancies available. In 2023, LIC released the notification for both of these posts. Let’s see an overview of these posts in the 2023 notifications.

LIC AAO Recruitment 2023

Organization	Life Insurance Corporation
Post Name	Assistant Administrative Officers
Vacancy	300
Category	Banking
Application Mode	Online
Registration Start Date	15 January 2023
Registration End Date	31st January 2023
Exam Mode	Online
Recruitment Process	Prelims Mains

The post of Administrative Assistant mostly includes working with administrative tasks, client inquiries, etc. The duties are more in-office and of administrative nature.

LIC ADO Recruitment 2023

Organization	Life Insurance Corporation (LIC)
Posts	Apprentice Development Officer
Vacancies	9394
Application Mode	Online
Registration Dates	21st January to 10th February 2023
Educational Qualification	Graduation
Age Limit	21 to 30 years
Selection Process	Prelims, Mains, and Interview

LIC ADO is more of a sales administrative job. It includes recruiting Insurance Agents to generate leads from customers. It also includes training and supervision of the recruited agents.

Job Profile

LIC AAO

The service conditions will be applicable as per the prevalent rules of the LIC from time to time. The advertised posts are regular and selected candidates, on the appointment, are liable to posting or subsequent transfer anywhere in India. Most of the vacancies are in the mofussil branches of LIC. As such, after selection and successful completion of training, candidates will be posted for a minimum period of three years in mofussil branches outside their home zones. The following are a part of the LIC AAO Job Profile:

• Query Resolution of Clients
• Analyzing and Auditing old policies etc.
• Processing Policy Claims of the customers
• Planning and Creating new Policies to attract new customers
• Overlooking Inter-departmental coordination related to claims processing.

Probation:

A candidate after appointment shall be on probation for a period of a minimum of one year to a maximum of two years from the date of joining. During the period of probation, the candidates will undergo continuous assessment as per the Corporation’s extant policy. If any candidate fails to achieve the minimum standard performance, the Corporation may dismiss them as per their policy.

Guarantee Bond:

Before joining as a Probationer, candidates will have to give the undertaking to serve LIC for a minimum period of four years from the date of joining (including the probationary period) failing which, he/she or his /her heirs, executors, administrators will be liable to pay liquidated damages of Rs.5,00,000/-only (Rupees Five Lakhs only) + GST or the sum of amount the Executive Director (Personnel) may prescribe from time to time. GST or any other tax payable shall also be borne by the candidate. The candidate will have to submit a Deed of Indemnity and surety at his cost, duly stamped and notarized, the stamp value of which will be as applicable to the State in which the deed is executed by the candidate.

Promotion

Below is the hierarchy of the AAO So in the LIC after joining:

LIC AAO Salary 2023

Pay Scale: Rs. 53600/- per month in the scale of Rs. 53600- 2645(14) –90630– 2865(4) –102090

Total emoluments at the minimum of the scale inclusive of House Rent Allowance, City Compensatory Allowance, etc wherever admissible depending upon the classification of the city will be approximately Rs. 92870/- per month in ‘A’ Class city. Other benefits are Defined Contributory Pension, Gratuity, LTC, Cash Medical Benefit, Group Mediclaim, Group Personal Accident Insurance, Group Insurance, Vehicle Loan (2-wheeler/4 wheeler) as per rules, meal coupon, reimbursement of the cost of Briefcase/leather bags, mobile handset, supply of dailies and magazines and tea/coffee, mobile expenses, etc. as per rules.

LIC AAO SO Salary 2023 – Additional Benefits

Apart from the Basic Pay and Salary Allowances, LIC AAO can also avail a number of additional benefits. Following is the list of all such benefits which are part of the LIC AAO Salary.

• Accident Insurance
• Cash Medical Benefit
• Defined Contributory Pension
• Gratuity
• Group Mediclaim
• Group Insurance
• Leave Travel Concession (LTC)
• Personal Loan on concessional interest rates
• Personal Vehicle Loans on concessional interest rates
• Special Allowance

LIC AAO Salary – Transfers/Postings and Work Pressure

The details of the Transfers/Postings and Work Pressure of an Assistant Administrative Office of LIC are as follows -:

• The Transfer of LIC AAO happens every 3 to 5 years
• LIC AAO usually receives postings in cities and towns.
• LIC AAO Posting can happen anywhere in India
• The Work pressure of LIC AAO is low. Especially when compared to that of a Bank PO

LIC ADO

The following are a few of the duties and responsibilities of a LIC ADO:

• Accomplish all Sales oriented tasks
• Reach the maximum number of people and complete the assigned targets of selling.
• Analyze the performance of each agent
• Motivating to sell maximum LIC policies
• Assigning target quota

Probation

The probation period is of 1 year but can be extended to 2 years. After the selection, ADO has to serve the apprenticeship period. During this period, candidates who are not selected in the LIC Employee category will be paid a fixed stipend during the whole apprenticeship period. Candidates who have joined except the Employee category will be paid the stipend as per the basic pay of the Development Officer.

There will be a stipend of Rs.51.500 for each month of apprenticeship.

A Probationary Development Officer at a specified Headquarter in the area will be placed on the scale of ₹35,650-2200(2)-40,050-2595(2)-45,240-2645(17)-90,205 plus allowances and other benefits as per the rules in force.

Salary

On appointment as a Probationary Development Officer, the basic pay of ₹ 35650/- per month (except for LIC Employee Category candidates) in the scale of 35650-2200(2)-40050-2595(2)-45240-2645 (17)-90205 and other admissible allowances as per rules shall be payable. Total emoluments at the minimum of the scale will be inclusive of House Rent Allowance & City Compensatory Allowance, wherever admissible depending upon the classification of the city. It will be approximately ₹ 56000/- in an ‘A’ Class City.

Eligibility

While LIC ADO does not have many requirements to be eligible for applying, the post of AAO has a number of criteria for eligibility. This is because there are many different posts under AAO itself.

LIC AAO Eligibility

Age Criteria

The minimum Age shall be 21 years (completed) as of 01.01.2023. The maximum age shall not be more than 30 years (candidates must have been born not earlier than 02.01.1993 and not later than 01.01.2002 both days inclusive only are eligible )

• Minimum: 21 years
• Maximum: 30 years

Educational Qualifications

A. For AAO (Generalist) – Bachelor’s Degree in any discipline from a recognized Indian University/Institution.

B. For AAO (IT) – Graduation degree in Engineering in Computer Science, IT or Electronics, or an MCA, or an MSC(Computer Science) from a recognized Indian University/Institution.

C. For AAO (Chartered Accountant) – Bachelor’s Degree from a recognized Indian University/Institution and Candidate should have passed the Final Examination of the Institute of Chartered Accountants of India and completion of Articles as presented by the Institute of Chartered Accountants of India. The candidate should be an Associate Member of the Institute of Chartered Accountants of India. Candidates should provide their membership number and the same will be verified with the Institute of Chartered Accountants of India.

D. For AAO (Actuarial) – Bachelor’s Degree in any discipline from a recognized Indian University/Institution and Candidates should have compulsorily passed paper CT1 and CT5 plus 4 or more other papers of the examination conducted by the Institute of Actuaries of India / Institute and Faculty of Actuaries, UK. (Total 6 or more papers) as on the date of eligibility. Candidates should provide their membership number and the same will be verified with the Institute of Actuaries of India / Institute and Faculty of Actuaries, UK.

E. For AAO (Rajbhasha) – Post Graduate Master’s Degree in Hindi/Hindi translation with English as one of the subjects at Bachelor’s Degree level OR Post-Graduate Master’s Degree in English with Hindi as one of the subjects at Bachelor’s degree level OR Post-Graduate Master’s Degree in Sanskrit with English and Hindi as subjects at Bachelor’s degree level.

LIC ADO Eligibility

Nationality: 

Candidates must be a citizen of India.

Education Qualification (as of 01/01/2023)

• The applicant should possess a Bachelor’s Degree in any discipline from a recognized University in India established under a statute/approved for the purpose of the Fellowship of Insurance Institute of India, Mumbai.

Age Limit (as of 01/01/2023)

• Minimum Age: 21 years
• Maximum age: 30 years

Category-wise age relaxation is provided to the reserved category. We have mentioned below the detailed age relaxation for the reserved categories.

Selection Process

LIC AAO 2023 Exam Pattern

The LIC AAO 2023 Exam will be conducted in 3 stages:

• Preliminary Examination
• Main Examination
• Interview

LIC AAO 2023 Prelims Exam

Section	No. of Questions	Maximum Marks	Duration
Reasoning Ability	35	35	20 Minutes
Quantitative Aptitude	35	35	20 Minutes
English Language	30	30	20 Minutes
Total	100	70	1 Hour

Note- English section paper will be just for qualifying nature the marks obtained would not be considered for ranking or final selection. Candidates equal to 20 times the number of vacancies in each category, subject to availability, will be shortlisted for the Main examination.

LIC AAO 2023 Mains Exam

Section	No. of Questions	Maximum Marks	Duration
Insurance & Financial Awareness	30	60	20 minutes
General Knowledge & Current Affairs	30	60	20 minutes
Data Analysis & Interpretation	30	60	40 minutes
Reasoning Ability	30	90	40 minutes
Total	120	300	2 Hours
Descriptive English (Letter Writing & Essay)	2	25	30 Minutes

*1/4 Negative Marking

• Descriptive tests of the English Language etc. will be of qualifying nature and the marks in the English Language will not be counted for ranking. A descriptive paper of only those candidates will be evaluated who qualify in the objective part of the main Examination.

• Candidate MUST pass each Section separately and should also obtain minimum marks in the aggregate to qualify for the online examinations (Preliminary and Main) and the interview.

• A descriptive test of the English Language etc. is of a qualifying nature and marks in this test will not be counted for ranking. The decision of LIC in this regard shall be final and binding on the candidates. No correspondence will be entertained in this regard.

LIC AAO Interview

Total Marks – 60

Marks obtained in the Main Examination only will be considered for shortlisting for interview and marks obtained in Main Examination + marks obtained in the Interview will be considered for the final merit listing of candidates.

(Note – This exam pattern is based on previous notification)

LIC ADO Exam Pattern

1. Prelims Exam
2. Mains Exam
3. Interview Process

We have mentioned below the detailed exam pattern for the LIC ADO exam.

Prelims Exam Pattern

SNo.	Sections	Number of Questions	Total Marks	Duration
1.	Reasoning	35	35	20 minutes
2.	Numerical Ability	35	35	20 minutes
3.	English Language	30	30**	20 minutes
Total	100	70	60 minutes

• The preliminary examination will be of objective type in an online mode.
• Marks scored in the English section will not be counted and it will be only qualifying in nature.

Mains Exam Pattern

Sections	Number of Questions	Total Marks	Duration
Reasoning Ability & Numerical Ability	50	50	120 minutes
General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and vocabulary	50	50
Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Sector	60	60
Total	160	160

For Employee Category

Sections	Number of Questions	Total Marks	Duration
Reasoning Ability & Numerical Ability	20	20	120 minutes
General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and vocabulary	20	20
Elements of Insurance and Marketing of Insurance.	60	120
Total	100	160

For Agents Category

Sections	Number of Questions	Total Marks	Duration
Reasoning Ability & Numerical Ability	20	20	120 minutes
General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and vocabulary	20	20
Practice and Principles of Insurance Marketing	60	120
Total	100	160

Interview Process

Candidates who will qualify for the main examination will be appearing in the interview. In the final merit list, marks obtained in the main examination and interview will be considered. Interviews will be conducted for a total mark of 40.

Conclusion

From the job profile to the selection process, it is evident that LIC AAO requires more expertise and also earns better in terms of pay and perks. However, that doesn’t diminish the really good job profile and experience that LIC ADO also provides. We hope this blog helped you understand where these exams differ and which one is objectively a better fit for you. You can look forward to more LIC exams content on our YouTube channel:

LIC AAO v/s LIC ADO: Frequently Asked Questions

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