LIC AAO (Assistant Administrative Officer)

Overview

LIC (Life Insurance Corporation of India) Assistant Administrative Officers are entry-level Class I officers at India's largest life insurer — with 25+ crore policyholders, ₹50 lakh crore+ AUM, and 1.3 lakh+ employees. The LIC AAO exam is among India's most-applied government exams — 5-8 lakh applicants annually for 200-500 vacancies. AAOs are deployed across operations, underwriting, claims, IT, actuarial (for AAO Actuarial stream), legal (for AAO Legal), and marketing. Pay is at central PSU officer scales with pension and significant non-monetary status.

Day-to-day responsibilities

Process new insurance applications (underwriting); evaluate medical and financial documents; manage policy servicing (premium collection, surrenders, loans); process death and maturity claims; coordinate with development officers and agents; conduct branch audits; manage customer grievances; participate in actuarial-pricing reviews (for actuarial stream); ensure IRDAI compliance; supervise clerical and field staff.

Skills required

• Life insurance product knowledge
• Underwriting principles
• Claims processing and document evaluation
• Knowledge of IRDAI regulations and Insurance Act
• Customer service in branch operations
• Excel and policy-administration systems
• English and Hindi (mandatory) plus regional language
• Audit and compliance basics

Education path

Career progression

1. 1
   Assistant Administrative Officer (AAO) (0-5 yrs)
2. 2
   Administrative Officer (AO) (5-10 yrs)
3. 3
   Assistant Branch Manager / Branch Manager (10-15 yrs)
4. 4
   Sr Branch Manager / Manager Operations (15-22 yrs)
5. 5
   Divisional Manager / Zonal Manager (22+ yrs)

Top employers in India

Useful certifications

• LIC AAO Examination clearance
• Insurance Institute of India (III) Licentiate / Associate / Fellow
• CAIIB Insurance specialisation
• Actuarial Society of India (IAI) for actuarial stream
• NISM Insurance Distributors

Adjacent careers

Courses that lead to this career