The LIC AAO Syllabus 2025 has been designed according to the exam pattern, enabling aspirants to plan their preparation for both Prelims and Mains. With the Prelims exam scheduled for 03 October 2025, candidates need to be well-acquainted with the subject-wise topics, question distribution, and marking scheme. Candidates should also note that the LIC AAO Admit Card for the exam can be released at any time, so it is important to regularly monitor the official updates.
LIC AAO Syllabus and Exam Pattern 2025
The LIC AAO 2025 selection starts with the Prelims exam, testing candidates in Reasoning Ability, Quantitative Aptitude, and English Language to evaluate core aptitude skills. Qualified candidates then move to the Mains exam, which is more detailed and includes Professional Knowledge, General Awareness, and Descriptive Writing sections.
Also Read, LIC AAO Admit Card 2025
LIC AAO Exam Pattern 2025
The LIC AAO 2025 exam is conducted in multiple stages to assess various essential skills. It starts with the Preliminary Exam, testing Reasoning, Quantitative Aptitude, and English Language. Successful candidates advance to the Main Exam, which focuses on Reasoning, Data Analysis & Interpretation, Insurance & Financial Awareness, and General Knowledge.
LIC AAO Prelims Exam Pattern 2025
A detailed knowledge of subject-wise topics, marking scheme, and sectional timing ensures candidates can focus on high-scoring areas and improve their chances of success. LIC AAO 2025 Exam Pattern for the Preliminary Examination shall include three sections. Reasoning, Quantitative Aptitude and English.
| LIC AAO Prelims Exam Patten 2025 (Other than legal) | |||
| Subjects | No. of Qs. | Max. Marks | Duration |
| Reasoning Ability | 35 | 35 | 20 min |
| Quantitative Aptitude | 35 | 35 | 20 min |
| English Language | 30 | 30 | 20 min |
| Total | 100 | 70 | 60 minutes |
Marks obtained in the English Language shall not be included in the calculation of the ranking of the Preliminary examination.
LIC AAO Mains Exam Pattern 2025 (for Generalists)
LIC AAO 2025 Exam Pattern for Mains Examination is divided into two sections one is an Objective test of different subjects and the other is a Descriptive test of the English Language.
| LIC AAO Mains Exam Pattern 2025 | |||
| Subjects | No. of Qs. | Max. Marks | Duration |
| Reasoning Ability | 30 | 90 | 40 min |
| Data Analysis & Data Interpretation | 30 | 90 | 40 min |
| Insurance & Financial Market Awareness | 30 | 60 | 20 min |
| General Awareness & Current Events | 30 | 60 | 20 min |
| Total | 120 | 300 | 2 hours |
| English Language Descriptive Paper (Communication Skills: Emails, Reports, Situation Analysis & Precis Writing) | 2 | 25 | 30 min |
Note: There is no negative marking for the prelims exam for the Generalists posts only
Note: However, there is a negative marking of 1/4 mark for the specialist posts
LIC AAO Mains Exam Pattern 2025(for Specialists and AE)
The LIC AAO 2025 Mains Exam Pattern for Specialists and AE includes professional knowledge in both objective and descriptive parts
| LIC AAO Mains Exam Pattern 2025 (for Specialists and AE) | |||
| Subjects | No. of Qs. | Max. Marks | Duration |
| Reasoning Ability | 30 | 30 | 20 min |
| General Awareness & Current Events | 20 | 20 | 10 min |
| Professional Knowledge | 50 | 100 | 30 min |
| Total | 100 | 150 | 1 hours |
| Professional Knowledge (Descriptive Paper) | 4 (out of 6 questions) | 50 | 60 min |
| English Language Descriptive Paper (Communication Skills: Emails, Reports, Situation Analysis & Precis Writing) | 2 | 25 | 30 min |
LIC AAO Exam Pattern 2025 for Legal posts
The exam pattern for the legal posts includes General Awareness (qualifying) in the prelims exam and Professional Knowledge in the Mains Exam.
| LIC AAO Prelims Exam Pattern 2025 (legal) | |||
| Subjects | No. of Qs. | Max. Marks | Duration |
| Reasoning Ability | 35 | 35 | 20 min |
| Quantitative Aptitude | 35 | 35 | 20 min |
| General Awareness | 30 | 30 | 20 min |
| Total | 100 | 70 | 60 minutes |
For Mains Exam:
| LIC AAO Mains Exam Pattern 2025 (for Legal) | |||
| Subjects | No. of Qs. | Max. Marks | Duration |
| Reasoning Ability | 30 | 30 | 20 min |
| General Awareness & Current Events | 20 | 20 | 10 min |
| Professional Knowledge | 50 | 100 | 30 min |
| Total | 100 | 150 | 1 hours |
| Professional Knowledge (Descriptive Paper) | 4 (out of 6 questions) | 50 | 60 min |
| English Language Descriptive Paper (Communication Skills: Emails, Reports, Situation Analysis & Precis Writing) | 2 | 25 | 30 min |
LIC AAO Syllabus 2025
A strong performance in the LIC AAO exam begins with a clear understanding of the entire syllabus for both the prelims and mains stages. To help you prepare, we have outlined the section-wise topics in detail. Key areas such as Reasoning, Quantitative Aptitude, English Language, General Awareness and Insurance & Financial Market Awareness form the core of the syllabus.
| Reasoning Ability | Quantitative Aptitude | English Language | Insurance & Financial Awareness | General Awareness |
| Puzzles |
Approximation and Simplification
|
Parts of Speech | Development | History of India |
|
Seating Arrangements
|
Simple and Compound Interest
|
Subject-Verb Agreement
|
Rates (CRR SLR etc.)
|
Geography of India and the World
|
| Syllogisms | Profit and Loss |
Error Corrections
|
Indices (WPI World Index etc.)
|
Indian Economy |
|
Coding-Decoding
|
Work and Time |
Sentence Improvement
|
Business/Finance topic
|
Indian Constitution
|
| Blood Relation |
Speed Time and Distance
|
Spotting Errors |
Various laws and policies
|
Environment Topics
|
| Inequalities |
Data Interpretation
|
Antonyms and Synonyms
|
History of Banking & Insurance
|
National and International Events
|
| Series | Data Sufficiency |
Active and Passive Voice
|
Financial Institution & Terminologies
|
Government Schemes
|
| Direction Test | Logical DI |
Direct and Indirect Speech
|
Current Banking news and events related to insurance and the financial market.
|
Sports News |
|
Order and Ranking
|
Mixture and Allegations
|
Idioms and Phrases
|
Awards and Honours
|
|
|
Statement, Arguments & Conclusion
|
Percentage | Singular-Plural |
Government Policies
|
|
| Miscellaneous | Number Series | Para-jumbles |
New Legislations
|
|
| Average | Fillers |
Science and Technology
|
||
|
Ratio and Proportion
|
Passage Completion
|
Books and Authors
|
||
| Partnership |
Reading Comprehension
|
Important Days | ||
| HCF and LCM | Cloze Tests |
Committee Commissions and Reports
|
||
|
Surds and Indices
|
Vocabulary based questions
|
|||
|
Quadratic Equation
|
Word Usage | |||
| Probability |
Phrase/Connector
|
|||
|
Permutation and Combination
|
||||
| Mensuration |
LIC AAO Syllabus for Professional Knowledge
The Professional Knowledge section in the LIC AAO exam is specific to the post applied for. It tests candidates’ subject expertise in their chosen discipline. Below is the detailed syllabus for each post.
AAO (Chartered Accountant- CA)
- Accounting Standards & Financial Reporting
- Corporate Accounting & Cost Accounting
- Taxation: Direct & Indirect
- Auditing & Assurance Standards
- Financial Management & Corporate Finance
- Indian Accounting Standards (Ind-AS)
- Basics of Company Law and Corporate Governance
- Recent Developments in Accounting & Finance
AAO (Company Secretary- CS)
- Company Law & Corporate Governance
- Secretarial Practice & Corporate Meetings
- Securities Laws & Capital Market Regulations
- Corporate Restructuring, Mergers & Acquisitions
- Drafting of Resolutions, Agreements & Notices
- Corporate Compliance Management
- Strategic Management & Business Policies
- SEBI Guidelines and Listing Regulations
AAO (Actuarial)
- Probability & Statistics
- Financial Mathematics & Investment Analysis
- Life Insurance Mathematics
- Risk Models & Contingency Analysis
- Demography and Survival Models
- Actuarial Valuations & Reserving
- Principles of General Insurance & Life Insurance
- Basics of Actuarial Standards of Practice (ASPs)
AAO (Insurance Specialist)
- Principles of Insurance & Risk Management
- Life Insurance Products & Annuities
- General Insurance Products (Motor, Health, Fire, Marine)
- Reinsurance Concepts
- Insurance Underwriting & Claims Management
- Insurance Regulatory and Development Authority of India (IRDAI) Guidelines
- Insurance Marketing & Distribution Channels
- Emerging Trends in Insurance (Digital Insurance, Bancassurance, InsurTech)
AAO (Legal)
- Indian Contract Act, 1872
- Companies Act, 2013
- Industrial & Labour Laws
- Civil Procedure Code (CPC) & Criminal Procedure Code (CrPC)
- Arbitration and Conciliation Act
- Transfer of Property Act
- Insurance Laws and Regulatory Guidelines
- Constitutional Law, Law of Torts, Consumer Protection Laws
- Legal Drafting & Interpretation of Statutes
Assistant Engineer (Civil)
- Building Materials & Construction Practices
- Structural Engineering (RCC, Steel Design, Strength of Materials)
- Surveying, Estimation & Costing
- Soil Mechanics & Foundation Engineering
- Water Resources Engineering (Hydrology, Irrigation)
- Transportation Engineering (Highways, Railways, Bridges)
- Environmental Engineering (Water Supply, Wastewater, Solid Waste)
- Construction Project Management
Assistant Engineer (Electrical)
- Basic Electrical Engineering Concepts
- Power Systems (Generation, Transmission, Distribution)
- Electrical Machines (Transformers, Motors, Generators)
- Power Electronics & Control Systems
- Circuit Theory & Network Analysis
- Measurements & Instrumentation
- Utilisation of Electrical Energy
- Renewable Energy Sources & Smart Grid Concepts
LIC AAO Descriptive Paper Syllabus (Essay & Letter Writing)
The Descriptive Paper in the LIC AAO Mains Exam checks your writing ability. It has two parts: Essay Writing and Letter Writing. You need to write one essay and one letter. Essay topics are usually based on insurance, finance, or current news. In the letter section, you can choose between a formal or informal letter. Practicing clear writing, using the right format, and improving your grammar can help you score well. This section is important for roles that need good communication skills, like administrative and legal posts.
| Section | What You Have to Do | Topics Can Be Based On | Tips to Prepare |
| Essay Writing | Write 1 short essay | Insurance, finance, economy, current affairs |
Stay updated with news, use clear structure: intro, body, conclusion
|
| Letter Writing | Write 1 letter (choose between formal or informal) | Personal messages, insurance requests, official topics |
Practice both types of letters, learn correct formats, keep tone appropriate
|
LIC AAO 2025 Selection Process
The selection process for LIC AAO 2025 has three main stages. First is the Preliminary Exam, which is only for qualifying and its marks won’t be added to the final result. If candidates will pass the prelims then move to the Main Exam, which is very important as its marks are counted in the final selection. After clearing the mains, candidates will be called for the Interview round. The final merit list will be based on the total marks scored in the Mains Exam and Interview.
Preparation Tips for LIC AAO 2025 Exam
Below are some simple and effective tips to help you prepare for the LIC AAO 2025 exam:
- Understand the Syllabus & Exam Pattern
Go through the syllabus thoroughly and focus on important topics like Reasoning, General Awareness, and Data Analysis. - Take Mock Tests Regularly: Regular practice with mock tests helps improve speed and accuracy. This will also help you get used to the exam format.
- Work on Weak Areas: Identify your weak points and spend more time improving them.
- Stay Updated on Current Affairs
- Read newspapers and follow current affairs regularly for General Knowledge and Insurance Awareness.
- Time Management : Practice solving questions within the time limits to improve your speed during the exam.
- Revise Frequently: Make a revision schedule and regularly revise important concepts and formulas.
- Solve Previous Year Papers: Solve and analyze past year papers to understand the exam trend and question types.
LIC AAO Exam Analysis 2025, 3rd October 2025 Shift 1
LIC AAO Exam Analysis 2025, 3rd October 2025 Shift 2
LIC AAO Exam Analysis 2025, 3rd October 2025 Shift 3
Tips to Prepare According to the LIC AAO Syllabus
- Get Familiar with the Exam Layout: Start by understanding the structure of both Prelims and Mains. Knowing the sections, number of questions, and marks per section helps you plan efficiently.
- Prioritize Key Topics: Focus on areas that are frequently tested or carry more weight. For Prelims, give importance to Quantitative Aptitude and Reasoning, while for Mains, concentrate on Professional Knowledge and Data Analysis.
- Plan Your Study Schedule: Break down the syllabus into manageable portions and assign time for each subject. Balance practice between strong and weak areas to improve overall performance.
- Practice with Past Papers: Solve previous years’ questions to identify patterns, important topics, and question types. This also improves speed and accuracy.
- Take Regular Mock Tests: Mock tests help you get used to exam conditions, refine time management, and identify topics that need more revision.
- Revise Strategically: Keep revising formulas, reasoning shortcuts, and insurance concepts to ensure they stay fresh in your memory.
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