LIC AAO Mains Descriptive Paper: Format, Tips & Sample Questions

The LIC AAO Mains Descriptive Paper 2025 will be conducted on 08 November 2025, as part of the LIC AAO Mains Exam. This section plays a crucial role in assessing a candidate’s writing ability and communication skills. Although it is of a qualifying nature, candidates must secure the minimum qualifying marks to move forward in the selection process. The descriptive test will be conducted in English and will evaluate clarity, structure, and tone of written communication.

LIC AAO Mains Descriptive Paper

The LIC AAO Mains Descriptive Paper is an opportunity for candidates to showcase their writing and communication abilities, skills that are highly valued in administrative roles. Regular practice in structured writing, along with attention to grammar, tone, and brevity, can help candidates easily qualify this section. This year, the LIC is conducting the AAO exam for 841 posts.

As per the LIC AAO Notification 2025, the descriptive paper is titled “Communication Skills” and includes Emails, Reports, Situation Analysis, and Precis Writing. However, the Information Handout shared with the admit card mentions Essay and Letter Writing as components of the descriptive section. This variation has led to some confusion among aspirants regarding the exact question format for the exam.

LIC AAO Descriptive Paper Format

The descriptive test is conducted in online mode immediately after the objective test in the same session. Candidates must type their answers using a computer keyboard. Below is the detailed format of the descriptive paper:

• Section Name: English Language (Descriptive)
• Components: Communication Skills (Emails, Reports, Situation Analysis & Precis Writing) or Essay & Letters
• Number of Questions: 2
• Total Marks: 25
• Duration: 30 Minutes
• Qualifying Marks:
• • SC/ST/PwBD: 9 marks
  • Others: 10 marks
• Evaluation Condition: The descriptive paper will be evaluated only if the candidate qualifies in the objective test.

Candidates must remember that even though the descriptive test marks do not count toward ranking, failing to qualify in this section will result in disqualification from further stages.

Based on previous year trends, it has been observed that the conducting authority usually follows the Information Handout provided with the admit card. Hence, it is likely that the Essay and Letter Writing format will be followed in the LIC AAO Mains Descriptive Paper 2025. Candidates should, therefore, focus their preparation on practising essays and letters to perform well in this section.

Types of Questions Asked in LIC AAO Descriptive Paper

The descriptive paper focuses on assessing a candidate’s ability to communicate clearly and professionally. The typical question types include:

• Email Writing: Writing professional emails for workplace communication.
• Report Writing: Preparing concise reports based on given data or situations.
• Situation Analysis: Analyzing a business or administrative scenario and providing solutions.
• Precis Writing: Summarizing a given passage while retaining its main ideas and logical flow.

Tips to Prepare for the LIC AAO Descriptive Paper

Practice Professional Writing: Focus on clarity, tone, and structure when writing emails and reports. Maintain a formal and polite tone throughout.

Enhance Vocabulary and Grammar: A good command of English grammar and vocabulary helps in writing error-free and fluent answers.

Work on Time Management: You have only 30 minutes for two questions—practice typing answers within the word limit and time frame.

Stay Updated on Current Topics: Many descriptive questions are based on financial awareness, insurance industry updates, or administrative issues. Reading editorials and business news helps you write relevant content.

Follow a Clear Structure:

• For Emails: Start with a greeting, state the purpose, explain the context, and end politely.
• For Reports: Include an introduction, key findings, analysis, and conclusion.
• For Situation Analysis: Identify the problem, analyze alternatives, and recommend a solution.
• For Precis Writing: Read carefully, underline key points, and rewrite concisely without losing the main idea.

Sample Question and Answer

Letter Questions:

a) Write a letter to your friend explaining the importance of having life insurance in ensuring financial security for one’s family and future.

Sample Answer:

House No. 215, Model Town

Ludhiana- 141002

Date: 7 October 2025

Dear Arjun,

I hope this letter finds you in good health and high spirits. It has been a while since we last met, and I was glad to know from your recent message that you have started planning your finances. I thought I’d share something important about life insurance, which plays a vital role in ensuring financial security for one’s family and future.

Life is unpredictable, and while we cannot control uncertainties, we can certainly prepare to face them responsibly. Life insurance acts as a financial safety net for your loved ones in your absence. It ensures that your family can manage expenses such as education, healthcare, and household needs even when you are not around.

Moreover, many life insurance policies also serve as long-term savings and investment tools. They help build a financial corpus for goals like children’s education or retirement. The added benefits of tax savings and risk coverage make it a smart and responsible choice.

Having life insurance is not just about protecting oneself; it’s about protecting the dreams and dignity of those who depend on us. I would suggest you review your financial plans and consider purchasing a suitable policy soon.

Take care and write back when you can.

With warm regards,

Yours affectionately,

Rohit

b) Write a letter to the Zonal Manager of your Insurance Company, suggesting ways to increase insurance awareness among the youth through digital platforms and educational campaigns.

Sample Answer:

H.No. 312, Sector 9

Chandigarh – 160009

Date: 7 October 2025

To

The Zonal Manager

Life Insurance Corporation of India

Northern Zone

Chandigarh – 160009

Subject: Suggestions to Enhance Insurance Awareness among Youth through Digital Platforms and Educational Campaigns

Dear Sir/Madam,

I am writing this letter to share some suggestions on how our company can increase awareness about insurance among the younger generation, who represent a major segment of future policyholders.

• In today’s digital era, the youth prefer platforms that are interactive, informative, and easily accessible. Therefore, our company can strengthen its digital presence by:
• Launching awareness campaigns on social media platforms like Instagram, YouTube, and LinkedIn with engaging short videos and infographics.
• Conducting live webinars and Q&A sessions with financial experts to simplify the concepts of insurance and its long-term benefits.
• Collaborating with educational institutions to organize campus awareness drives and financial literacy workshops.
• Developing mobile-friendly educational content and online quizzes to promote understanding through gamified learning.

Additionally, introducing discounted premium schemes or student-friendly insurance products could motivate young professionals to adopt insurance early in life.

Such initiatives would not only build financial awareness but also strengthen our brand’s trust and visibility among young citizens.

Thank you for considering these suggestions. I am confident that these measures will contribute to expanding our outreach and securing the financial future of India’s youth.

Yours faithfully,

XYZ

Assistant Administrative Officer

Essay Questions:

(A) The Role of Digital Technology in the Insurance Sector

Sample Answer:

The insurance sector has undergone a remarkable transformation in the past decade, largely driven by digital technology. Once dependent on lengthy paperwork and manual processes, the industry has now adopted innovative digital tools that have enhanced speed, transparency, and customer satisfaction.

Digitalization has simplified every stage of the insurance process – from policy issuance and premium collection to claim settlement and customer support. The introduction of online portals and mobile applications allows policyholders to buy, renew, or track policies conveniently without visiting branches. This has made insurance more accessible, especially for people in remote areas.

Technologies such as Artificial Intelligence (AI), Machine Learning (ML), and Data Analytics help companies assess risk accurately, detect fraud, and design personalized insurance products. Meanwhile, chatbots and automated service platforms have improved customer engagement by offering instant assistance and 24×7 support.

Furthermore, the integration of blockchain and cloud computing ensures data security and enhances the transparency of transactions. The COVID-19 pandemic accelerated this shift, pushing insurers to embrace digital onboarding and contactless services.

However, digital growth must be accompanied by robust cybersecurity measures and continuous employee training to manage new technologies effectively.

In conclusion, digital technology has revolutionized the insurance industry by making it faster, more efficient, and customer-centric. As innovation continues, technology will remain the backbone of an inclusive, transparent, and future-ready insurance ecosystem.

(B) Women Empowerment through Education and Employment

Sample Answer

Women empowerment is one of the most crucial pillars of social and economic development. It signifies providing women with the rights, opportunities, and confidence to make independent decisions in every sphere of life. Among the various means of empowerment, education and employment play the most transformative roles.

Education empowers women by broadening their knowledge, enhancing critical thinking, and making them aware of their rights. An educated woman is better equipped to contribute to her family, community, and the nation. Access to quality education helps women challenge social inequalities and participate meaningfully in decision-making processes.

Employment, on the other hand, provides women with financial independence and dignity. When women earn, they gain greater control over their lives and resources. The presence of women in diverse professions-from administration and entrepreneurship to banking and insurance-has strengthened both families and the national economy.

Government initiatives like Beti Bachao Beti Padhao, Skill India Mission, and Stand-Up India have created opportunities for women’s education and self-employment. However, barriers such as gender bias, unequal pay, and workplace discrimination still persist and must be addressed through policy reforms, awareness, and inclusive corporate practices.

In conclusion, empowering women through education and employment is not just a social objective-it is an economic necessity. An educated and employed woman uplifts not only herself but also contributes to building a more equitable, progressive, and prosperous nation.

(C) The Importance of Financial Literacy for Economic Growth

Sample Answer:

Financial literacy refers to the ability to understand and effectively use financial skills, including budgeting, saving, investing, and managing credit. In today’s fast-changing economy, financial literacy has become essential not only for individuals but also for the sustainable growth of the nation’s economy.

A financially literate population makes informed decisions about income, expenditure, and investment. This leads to higher savings, better resource allocation, and reduced dependency on informal credit systems. Individuals who understand financial products like insurance, mutual funds, and pensions are better prepared for emergencies and long-term goals, contributing to economic stability.

At the national level, financial literacy encourages people to participate in the formal banking and insurance sectors, thereby increasing capital formation and liquidity in the economy. Programs like Pradhan Mantri Jan Dhan Yojana, National Centre for Financial Education (NCFE), and Digital India have played an important role in spreading financial awareness across urban and rural areas.

However, limited awareness, especially in rural and low-income groups, remains a major challenge. To overcome this, financial education must be integrated into school curricula, and mass awareness campaigns should be conducted through digital platforms and community programs.

In conclusion, financial literacy empowers citizens to make responsible financial decisions, reduce inequalities, and strengthen the foundation of economic growth. A financially educated society leads to a more inclusive, stable, and progressive economy.

Sample Question 1 (Email Writing):

Write an email to your team informing them about a change in project deadlines due to a client request.

Sample Answer:

Subject: Revised Project Deadline as per Client Request

Dear Team,
I hope this message finds you well. The client has requested an earlier delivery of the project by 15th November 2025 instead of the initial deadline of 25th November 2025. Please revise your respective task timelines and ensure all progress updates are shared by the end of this week. Let’s coordinate effectively to meet the new target.

Best regards,
Rahul Mehta
Project Manager