The Life Insurance Corporation of India (LIC) successfully conducted the LIC AAO Mains Exam 2025 on November 8, 2025, across various centers nationwide. Based on candidates’ feedback and experts’ reviews, the LIC AAO Mains Exam Analysis 2025 reveals that the overall paper difficulty was moderate, with a few sections slightly more challenging. In this article, we will provide you with a detailed section-wise analysis of the LIC AAO final exam, overall, as well as the section-wise difficulty level, number of good attempts, and more.
LIC AAO Mains Exam Analysis 2025
The LIC AAO Mains Exam 2025 for the Generalist post consisted of 120 objective-type questions, worth 300 marks, and a descriptive English test, worth 25 marks (qualifying in nature). The overall difficulty of the LIC AAO Mains 2025 exam is reported to be Moderate, based on our students’ responses and the expert team’s analysis, with some sections being slightly more challenging. Candidates who maintained accuracy and speed throughout the test found it manageable.
LIC AAO Mains 2025 Difficulty Level
The overall difficulty level of the LIC AAO Mains Exam 2025 was moderate, with a mix of straightforward and tricky questions. Candidates who maintained accuracy and speed throughout the test found it manageable. Refer to the table below for the section-wise difficulty levels of the LIC AAO Mains Exam Analysis 2025:
| LIC AAO Mains Exam Analysis 2025 Difficulty Level | |
|---|---|
| Section | Difficulty Level |
| Reasoning Ability | Moderate |
| Data Analysis and Interpretation | Easy to Moderate |
| General Awareness & Current Affairs | Moderate |
| Insurance and Financial Market Awareness | Moderate |
LIC AAO Mains Section-wise Analysis
Below is the detailed section-wise analysis of the LIC AAO Mains Exam 2025, highlighting the types of questions asked and the relative difficulty of each part.
1. Reasoning Ability
The LIC AAO Mains Exam Analysis 2025 for the reasoning section had a good mix of direct and complex puzzles and seating arrangements. The overall difficulty level is said to be moderate. The number of Questions asked from various topics is given below:
| Topic | Number of Questions |
| Word Formation | 2 |
| Input Output | 5 |
| Box Puzzle (7 Persons) | 5 |
| Month-Based (8 Months, 8 Persons) | 5 |
| Designation Puzzle Variable-Based (4/5 variables, 7 persons) | 5 |
| Critical Reasoning | 3 |
| Chinese Coding | 1 |
| Meaningful Word | 1 |
| Inequalities | 3 |
| Total | 30 |
2. Data Analysis and Interpretation
The D.I. section was easy to moderate and calculative, requiring accuracy and a clear understanding of arithmetic concepts. The number of Questions asked from various topics is given below:
| Topic | Number of Questions |
| Caselet DI (Table Based) | 5 |
| Double Pie Chart (Percentage Based) | 5 |
| Approximation | 4 |
| Line+Table Data Interpretation | 5 |
| Arithmetic | 8 |
| Quantity-Based Comparison | 3 |
| Total | 30 |
3. General Awareness and Current Affairs
As per the LIC AAO Mains Exam Analysis 2025, this section focused on recent current affairs (last 6 months) with emphasis on banking, economy, and national events. The questions asked are given below:
| Questions asked in LIC AAO Mains Exam 2025 |
|---|
| Capital of Malaysia |
| HydroPower related question |
| Booker Prize 2025 Indian Nominee |
| Nobel Prize in Medicine 2025 |
| Dadasaheb Phalke Award |
| First India Lithium-Ion Plant |
| Theme of World Patient Safety Day 2025 |
| Ramon Magsaysay Award in India given to? |
| Bold Kurukshetra Exercise |
| International Organisation – Country name mismatch question |
| Education-related SDG Goal |
| Alliance Air Owner |
| Land-Locked State in India |
| DIGI-Pin Agreement |
| Self-made Wealthiest Woman (India) |
| Largest Area Airport in the World |
| Labour and Employment Minister of India |
| GI Tag – Sikki Grass Art |
| Capital of Seychelles |
| Dachigam National Park State |
| Pandit Jasraj – Awards |
| Barren Island Volcano |
| Longest Bridge in India |
| CPI Released by |
| Core Sector Related Question |
| 6th Schedule Related Question |
| Divyanshi Bhowmick Related Question |
4. Insurance and Financial Market Awareness
This section was moderate but heavily factual, focusing on insurance terms, policies, and regulatory bodies. The Questions asked from various topics are given below:
| Question/Topic | Answer/Information |
|---|---|
| IRDAI Establishment Year | 2000 (Statutory body under IRDA Act, 1999) |
| India’s Oldest Insurance Company | Oriental Life Insurance Company (Established in 1818, Kolkata) |
| Who owned policy is called? | Policyholder / Proposer |
| Which plan gives insurance protection and investment both? | Endowment Plan/ULIP (Unit Linked Insurance Plan) |
| IPO Cut-off related to which? | Price Band/Final Issue Price |
| GIC Re is Life or? | General Insurance (Reinsurance company) |
| LIC is what type of insurance? | Life Insurance Company |
| Which is a Money Market Tool? | Treasury Bills, Commercial Paper, Certificate of Deposit, Call Money, Repo |
| Commodity Derivative? | Financial contract whose value is derived from underlying commodities (e.g., gold, oil) |
| Solvency Ratio (2 questions asked) | It measures insurer’s financial stability; minimum 150% required by IRDAI |
| Stock Price Fluctuates due to? | Market demand & supply, investor sentiment, economic factors |
| Short-term market — which fund used? | Money Market Funds |
| No Claim Bonus (NCB) related question | Reward/discount given to policyholder for claim-free years (mainly in motor insurance) |
| Death/Maturity period — what do you get? | Death Benefit or Maturity Sum Assured (depending on event) |
| Utmost Good Faith — what is it? | Principle of insurance requiring full honesty and disclosure by both parties |
| Only loss covered in insurance, not profit? | True, Insurance compensates for loss only, not for making a profit |
| Principle of Insurance related question | Includes: Utmost Good Faith, Insurable Interest, Indemnity, Subrogation, Contribution, Proximate Cause |
| What is Bancassurance? | Selling insurance products through banks |
| If risk is divided in insurance, this term is called? | Reinsurance/Co-insurance |
4. English (Descriptive)
Precise Writing:
- Discuss the issue of deforestation and forest fires in Brazil and propose measures to protect global forests and the environment.
Essay Writing:
- Draft a letter to an insurance company regarding a medical reimbursement claim.
- Suggest how a school can utilize donations effectively for student welfare and development.
- Write a note from the perspective of a CEO on enhancing company culture and motivating employees
LIC AAO Mains Exam Pattern 2025
The LIC AAO Mains 2025 includes an objective test of 300 marks and a descriptive test of 25 marks. The paper followed a sectional timing pattern. The descriptive test was easy and based on general finance topics. The Insurance & Financial Market Awareness section played a decisive role in scoring high marks.
| Section | Number of Questions | Maximum Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 30 | 90 | 40 minutes |
| Data Analysis & Interpretation | 30 | 90 | 40 minutes |
| General Knowledge & Current Affairs | 30 | 60 | 20 minutes |
| Insurance & Financial Market Awareness | 30 | 60 | 20 minutes |
| English Language (Descriptive) | 2 (Tasks) | 25 | 30 minutes |
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