LIC AAO Syllabus and Exam Pattern 2025 for Prelims & Mains Exam

The Life Insurance Corporation of India (LIC) is conducting the Assistant Administrative Officer (AAO) & Assistant Engineer (AE) exam to recruit candidates for one of the most prestigious roles in the insurance sector. For 2025, the selection process includes Prelims and Mains examinations, followed by an interview. Aspirants aiming for this exam must thoroughly understand the LIC AAO Syllabus 2025 and Exam Pattern to plan their preparation effectively. 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 Syllabus 2025 and Exam Pattern

The LIC AAO Prelims comprises three key sections: Reasoning Ability, Quantitative Aptitude, and English Language, designed to evaluate a candidate’s foundational aptitude. Upon clearing this stage, aspirants move on to the Mains, which tests their depth of knowledge through Professional Knowledge, General Awareness, and a Descriptive Writing section. A structured approach rooted in the syllabus will significantly boost both preparation quality and exam performance.

Also Read, LIC AAO Notification 2025 Out for 841 Posts 

LIC AAO Exam Pattern 2025

The LIC AAO 2025 exam follows a structured pattern designed to assess a wide range of skills required for the role. The selection process includes a preliminary exam, which tests candidates on reasoning, quantitative aptitude, and English language skills, followed by another main exam that evaluates reasoning, data interpretation, insurance knowledge, and general awareness. Additionally, a descriptive test focused on English language proficiency or legal drafting (for specific posts) further measures the communication abilities of candidates.

LIC AAO 2025 Exam Pattern for Preliminary Examination

LIC AAO 2025 Exam Pattern for the Preliminary Examination shall include three sections. Reasoning, Quantitative Aptitude and English.

Marks obtained in the English Language shall not be included in the calculation of the ranking of the Preliminary examination.

LIC AAO 2025 Exam Pattern for Mains Examination (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.

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 2025 Exam Pattern for Mains Examination (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 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.

For Mains Exam:

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. With a well-planned study plan based on this structure, you can systematically cover every topic and strengthen your preparation on one topic at a time.

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 Selection Process 2025

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.