LIC AAO salary Per Month :
Is a secured government job on your mind now? The LIC AAO salary is one of the highest paying compensations in the insurance sector. So, when Life Insurance Corporation of India invited applications for their 841 Assistant Administrative Officer posts, we’re sure you’d think the same as well.
The LIC AAO Recruitment 2025 offers you attractive career options with a monthly pay scale from ₹88,635 to ₹1,69,025. This ultimate guide will help you understand everything about LIC AAO salary structure, benefits and entire recruitment process.
LIC AAO Salary Structure: What You Can Expect
Basic Pay and Scale
The salary that LIC AAO draws falls in the category of the best among other insurance companies due to the fact that the LIC AAO basic pay is far more appealing and attractive as compared to any other insurance company!
- Basic Pay: ₹88,635 per month (Level 10 on the 7th CPC Pay Matrix)
- Salary: ₹88,635 – 4,385(14) – 1,50,025 – 4,750(4) – 1,69,025
- Pay Level: 14
- Max Basic Pay: ₹1,69,025 P.M.
- Gross In-hand Salary: Around ₹1,26,000/month (Including allowances)
Also Read – A Complete Guide to IAS Salary Per Month : IPS Salary Structure
LIC AAO Salary Structure Detail with Break up Components
| Component | Amount (INR) | Description |
|---|---|---|
| Basic Pay | 88,635 | Starting amount (increases with increments) |
| Dearness Allowance (DA) | Variable | Currently ~42% of basic pay |
| House Rent Allowance (HRA) | 8,000-24,000 | As per city classification |
| City Compensatory Allowance | 300-4,800 | As per the location |
| Special Allowance | 7,900 | Fixed monthly allowance |
| Medical Benefits | Coverage covered | Complete healthcare coverage |
Annual Salary Package
LIC AAO Salary per year:
- Minimum Annual Package: ₹12-15 lakhs
- Maximum Package Offered: ₹20-25 lakhs (Per Annum, including all benefits & allowances)
Full Benefits: More Than Just a Salary
Healthcare and Medical Benefits
Comprehensive Health Insurance:
- Employee and family members covered
- Cashless treatment at network hospitals
- Annual health check-ups
- Maternity benefits
Medical Reimbursement:
- OPD expenses coverage
- Emergency medical expenses
- Specialized treatment support
For more information about government job benefits, visit Indian government’s official employment portal.
Retirement and Provident Fund Benefits
- Employee Provident Fund (EPF): 12% of Basic Salary
- Pension Scheme: Attractive post-retirement benefits
- Gratuity: As per government norms
- Voluntary provident fund: More ways to save
Leave and Holiday Benefits
- Casual Leave: 8 days per year
- Earned Leave: 30 days per annum
- Sick Leave: As and when needed with medical certificate
- Maternity/Paternity Leave: According to the government policy
Other Attractive Perks
Housing Facilities:
- Company accommodation or HRA
- Furniture allowance
- Electricity and water allowances
Travel and Conveyance:
- Official vehicle facility
- Travel allowances for official tours
- Local conveyance reimbursement
Educational Benefits:
- Children’s education allowance
- Book and uniform allowances
- Hostel allowance for higher education
LIC AAO Recruitment 2025: Important Dates and Details
Total Vacancies and Distribution
LIC AAO Notification 2025 has released 841 vacancies across the country:
Generalist Posts: 350 vacancies
Specialist Posts: 491 vacancies
- IT (Information Technology): 200 posts
- Chartered Accountant: 100 posts
- Actuarial: 50 posts
- Investment: 75 posts
- Law: 25 posts
- Rajbhasha: 20 posts
- Medical: 21 posts
Key Dates of LIC AAO Salary Slip Details 2025
| Event | Date |
|---|---|
| LIC AAO Notification date | 16th August 2025 |
| Application Start | 16th August 2025 |
| Last Date of Application | 8th September 2025 |
| LIC AAO Exam date 2025 (Prelims) | October 2025 (Tentatively) |
| Mains Exam | 8th November 2025 |
| Interview/Personality Test | December 2025 (Tentatively) |
LIC AAO Eligibility 2025: Who Can Apply?
Educational Qualifications
For Generalist Posts:
- Bachelor’s degree in any discipline from a recognized university
- At least 60% aggregate (55% for candidates belonging to SC/ST)
For Specialist Posts:
- Post appropriate degree/diploma
- Professional qualifications where applicable
- Work experience needed depends on area of specialization
Age Limit Requirements
- Minimum Age: 21 years
- Maximum Age: 30 years (as on 1st August 2025)
Age Relaxation:
- SC/ST: 5 years
- OBC: 3 years
- PWD: 10 years
- Ex-servicemen: 5 years
Learn more about competitive exam preparation at https://jobexamdate.in/.
Check – Telangana VRO Salary: What You Really Earn Per Month & Why It’s Worth It
LIC AAO Exam Pattern: The Key to Your Success
Phase 1: Preliminary Examination
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 35 | 35 | 20 minutes |
| Quantitative Aptitude | 35 | 35 | 20 minutes |
| English Language | 30 | 30 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
Key Points for Prelims:
- Qualifying nature exam
- No sectional timing for Generalists
- Negative marking: 0.25 marks deducted for each wrong answer
Phase 2: Main Examination
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 30 | 60 | 40 minutes |
| Data Analysis & Interpretation | 30 | 60 | 40 minutes |
| Insurance & Financial Market Awareness | 30 | 60 | 40 minutes |
| General Awareness | 30 | 60 | 25 minutes |
| English Language (Descriptive) | 2 | 30 | 30 minutes |
| Total | 122 | 270 | 175 minutes |
Phase 3: Interview/Personality Test
- Total Marks: 30
- Duration: 15-20 minutes
- Key areas of focus: Communication, Knowledge of the subject, Personality assessment
Syllabus of LIC AAO: A Comprehensive Topic-wise List
Reasoning Ability Topics
Prelims and Mains:
- Logical Reasoning
- Alphanumeric Series
- Ranking/Direction/Alphabet Test
- Data Sufficiency
- Coded Inequalities
- Seating Arrangement
- Puzzle
- Tabulation
- Syllogism
- Blood Relations
Quantitative Aptitude/Data Analysis
Key Topics:
- Simplification/Approximation
- Number Series
- Data Interpretation (Charts, Graphs, Tables)
- Quadratic Equations
- Arithmetic Problems
- Percentage
- Profit and Loss
- Time and Work
- Speed, Distance and Time
- Probability
English Language
Important Areas:
- Reading Comprehension
- Cloze Test
- Para Jumbles
- Error Spotting
- Fill in the Blanks
- Vocabulary
- Grammar
- Sentence Improvement
- Essay Writing (Mains only)
- Letter Writing (Mains only)
General and Financial Awareness
Must-know Topics:
- Current Affairs (Last 6 months)
- Banking and Insurance Awareness
- Financial Markets
- Economy
- Government Schemes
- Awards and Honors
- Sports
- Books and Authors
- Important Days and Dates
- Geography and History
For detailed study materials and current affairs updates, check Times of India Education.
LIC AAO Cut Off 2025: Expected Marks
Note: Candidates should bring PAN Card and Aadhar Card while going to the exam.
Prelims Cut Off (Expected)
| Category | Expected Cut Off |
|---|---|
| General | 55-60 |
| OBC | 52-57 |
| SC | 48-53 |
| ST | 45-50 |
| PWD | 40-45 |
Mains Cut Off (Expected)
| Category | Expected Cut Off |
|---|---|
| General | 160-170 |
| OBC | 155-165 |
| SC | 150-160 |
| ST | 145-155 |
| PWD | 140-150 |
Note: The LIC AAO Cut Off 2025 varies according to considerations such as:
- Number of candidates appearing
- Difficulty level of the exam
- Number of vacancies
- Previous year trends
How to Apply: Step-by-Step Instructions
Online Registration Steps
- Official Website: Visit licindia.in
- Locate the Recruitment Section: Select Career or Recruitment
- Select LIC AAO 2025: Select the relevant notification
- Register: Create an account with your information
- Complete Application: Ensure you submit all required information accurately
- Upload Documents: Photo, Signature and certificates
- Pay Fee: Complete payment process
- Submit: Verify and take a printout for future reference
Application Fees
| Category | Fee |
|---|---|
| General/OBC | ₹700 |
| SC/ST/PWD | ₹100 |
Payment Mode: Online (Debit Card/Credit Card/Net Banking)
Preparation Strategy: How to Crack LIC AAO Exam?
Monthly Preparation Timeline
Month 1: Foundation Building
- Complete syllabus understanding
- Basic concept clearing
- Mock test analysis
Month 2: Practice and Speed
- Section-wise practice
- Time management skills
- Previous year papers
Month 3: Final Preparation
- Mock tests and revision
- Current affairs update
- Interview preparation
Best Study Resources
Books: Standard banking and insurance exam books Online Courses: Coaching institute programs Mock Tests: Regular practice tests Current Affairs: Monthly magazines and apps Previous Papers: Solve 3-4 years old papers
Also Check – Complete Guide to SSC CGL Salary in 2025: What You Need to Know
Career Growth and Promotion Opportunities (LIC AAO Salary)
Promotion Hierarchy
- Assistant Administrative Officer (AAO) – Entry level
- Administrative Officer (AO) – After 3-4 years
- Deputy Manager – After 8-10 years
- Assistant Manager – After 12-15 years
- Manager – After 18-20 years
- Senior Manager and Above – With excellent performance
Additional Career Benefits
- Job Security: Lifetime employment in government sector
- Work-Life Balance: Fixed working hours with weekends off
- Skill Training: Regular training programs
- Transfer Policies: Pan-India posting opportunities
- Retirement Benefits: Attractive pension and gratuity plans
Final Note: LIC AAO Salary Per Month
The LIC AAO pay scale 2025 is definitely one of the best amongst the insurance companies. The salary starting at ₹88,635 per month with various allowances and benefits provides financial stability with opportunities for career advancement.
The LIC AAO Recruitment 2025 having 841 vacancies allows candidates of all specializations to apply for the exam. The examination has three levels – Preliminary Exam, Mains Exam and Interview for selection of the most deserving candidates.
Clearing the LIC AAO exam needs dedicated preparation, thorough knowledge of the LIC AAO Syllabus, and consistent practice. With proper guidance and hard work you can achieve your dream of getting into the biggest insurance company of India.
Begin your preparation now! Stay updated with the LIC AAO Notification, so that you can be well prepared for the job and have a successful career ahead with LIC! The handsome pay with perks, allowances & job security makes this position highly coveted among government job seekers.
Remember, the LIC AAO Exam date 2025 is approaching, so start preparing yourself. With good strategy and efforts, you can clear the LIC AAO Cut Off 2025 and secure your future with one of the best organizations in India.
All the best for your LIC AAO journey!