Assistant Development Officer (ADO) Exams

Life Insurance Corporation of India (LIC) is one of oldest and premier Insurance group in India. It is an Indian state-owned insurance group. The Life Insurance Corporation of India (LIC) conducts online examination for the Apprentice Development Officers (ADO) post whenever vacancies are there. It is a 2 hours online objective exam which is followed by an Interview and medical examination before final appointment for qualified candidates. It is primarily a sales supervision job. The selected candidates are required to recruit agents, train them properly, and help the recruited agents to sell life insurance to maximum number of persons. They are also required to give prompt response after sales service to policyholders. For this purpose considerable movements including tours covering the entire area allotted to them are involved.

Before joining as Apprentice Development Officer, candidates will be required to give an undertaking to serve the Corporation for a minimum period of four years from the date of joining (including apprenticeship period) failing which he/she or his/her heirs, executors, administrators will be liable to pay liquidated damages of Rs. 25,000 (Rupees Twenty Five Thousand only) to the Corporation. An Apprentice Development Officer will have to undergo Theoretical & Field Sales Training and on successful completion of apprenticeship and if found suitable for appointment to the service of the Corporation in accordance with the rules may be appointed as a Development Officer on probation subject to conditions framed by the Corporation.

Eligibility Conditions:

For the Post of Apprentice Development Officers (ADO), a candidate age should not be less than 21 years and not more than 30 years at the time of application. There is a relaxation of upper age limit for other categories as below:







5 Years


3 Years

LIC Employee who is not a member of a SC or a ST or OBCs.

12 Years

LIC Employee who is a member of OBCs (other than those in the creamy layer).

15 Years

LIC  Employee who is a member of a SC or ST.

17 Years

LIC Agent who is not a member of SC or ST

7 Years

LIC Agent who is a member of OBCs (Other than those in the creamy layer).

10 Years

LIC Agent who is a member of a SC or a ST.

12 Years

Educational Qualification:

A candidate must have minimum a bachelor degree from any recognized Indian University or Institution. Preference  would  be  given  to  candidates  who  have  at  least  2 years’ experience in life insurance industry.

For LIC Employees, the experience should not be less than 3 years of service after confirmation in Class III post.

For LIC Agents, the experience should not less  than 5  years as an  agent and  has  brought  a  net  First  Year Premium  Income  of  not  less  than Rs.5,00,000/- during the immediately   preceding   5 agency years and a net First Year Premium Income   of   not   less   than   Rs. 1,00,000/- on 50 lives in each of any 3 of these agency years.

How to Apply:

Candidates have to apply online only through the LIC official website under the heading “Careers”. No other modes of application are accepted.

Application Fees:

All payments are made on online basis only. Candidates will have to make the payment of Application Fees/Intimation Charges through the On-Line Mode.

Selection Procedure:

For ADO Post, selection are be made on the basis of performance in the on-line Examination followed by a personal interview of short listed candidates and subsequent Pre-Recruitment Medical Examination. Online examination is conducted in selected exam centres throughout India. Candidates have to select their exam center at the time of application.

On-line Examination:

The On-line examination is of objective type which consists of 150 questions for 150 total marks. Candidates have total time of 120 minutes (2 hrs) duration to complete the examination.


Name of the Test

No. of















Reasoning Ability





Numerical Ability



Composite  Time of 120 minutes



















Current Affairs





English Language with special emphasis on Grammar and Vocabulary
















Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Sector









 There is a penalty for wrong answers marked in the Objective Tests. For each question, one fourth (1/4) of the marks assigned to that question will be deducted if a wrong answer has been given by the candidate to arrive at corrected score. If a question is left blank there will be no penalty for that question.

Also candidates must pass in each Section separately and should also obtain minimum marks in the aggregate to qualify for the interview.

LIC also conduct pre-exam training for OBC/SC/ST candidates. The training is free of cost but the other expenses like travelling, accommodation if required etc. will have to pay by themselves.


About three times the number of vacancies to be filled in subject to availability of successful candidates in the online examination is invited for the interview. Candidates will have to obtain the minimum qualifying marks in the interview as will be decided by LIC.

Pre-Recruitment Medical Examination:

Final candidates are selected on the basis of marks obtained in online examination and Interview. Shortlisted candidates will have to undergo a Pre-Recruitment Medical Examination and if found medically fit, will be offered appointment for the post of ADO. For more information, you can visit LIC official website.