LIC AAO Syllabus 2025, Exam Pattern for Prelims and Mains (Detailed)

LIC AAO Mains Exam Pattern 2025 (Specialist)

The Mains exam pattern for Specialist posts (CA/CS/Actuarial/Engineering/Legal/Insurance Specialist) is provided in the table below. The only difference is the addition of a Professional Knowledge section, while the remaining structure remains the same.

LIC AAO Syllabus 2025 Subject-wise

The LIC AAO Syllabus is quite similar to that of bank exams, focusing on areas such as Reasoning, Quantitative Aptitude, General/Financial Awareness, and English Language Comprehension. A detailed topic-wise breakdown of the syllabus is provided in the table below.

Reasoning Ability

The table below lists the topics included in the Reasoning Ability section of the LIC AAO 2025 syllabus for candidates’ reference.

• Seating Arrangements
• Coding-Decoding
• Blood Relations
• Direction Test
• Puzzles
• Order and Ranking
• Input-Output
• Inequalities
• Alphabet and Number Series
• Statement, Arguments, and Conclusion
• Syllogism
• Machine Input-Output
• Analytical Reasoning
• Logical Reasoning
• Alpha-Numeric-Symbol Series

Quantitative Aptitude

Here is the LIC AAO Quantitative Aptitude Syllabus, providing the topics that candidates should focus on while preparing for the exam.

• Simplification
• Number Series
• HCF and LCM
• Simple and Compound Interest
• Profit and Loss
• Permutation and Combination
• Problem on Ages
• Work and Time
• Speed, Distance, and Time
• Probability
• Average
• Boats and Streams
• Cistern and Pipe
• Quadratic Equations
• Approximation
• Mensuration
• Ratio and Proportion
• Partnership
• Percentage
• Surds and Indices
• Mixtures & Allegations
• Data Sufficiency
• Data Interpretation (Bar Graph, Line Chart, Tabular, Radar/Web, Pie Chart)

GK & Current Affairs

The topics included in the General Knowledge and Current Affairs section have been mentioned in the table given below.

• Indian Constitution
• Environment Topics
• National and International Events
• Government Schemes
• Sports News
• Awards and Honours
• Government Policies
• New Legislations
• Science and Technology
• Books and Authors
• Important Days
• Committee, Commissions and Reports
• Inventions and Discoveries
• Person in the News
• National and International Organisations

English Language

To prepare for the English section, the candidates have to prepare for Error Corrections, parts of speech, Fillers, Cloze test, Grammar, Reading Comprehension, etc.

• Parts of Speech
• Subject-Verb Agreement
• Error Corrections
• Sentence Improvement
• Spotting Errors
• Antonyms and Synonyms
• Active and Passive Voice
• Direct and Indirect Speech
• Idioms and Phrases
• Singular-Plural
• Para-jumbles
• Fillers
• Passage Completion
• Reading Comprehension
• Cloze Tests
• Vocabulary-based Questions
• Word Usage
• Phrase/Connector

Data Analysis & Interpretation, Insurance & Financial Market Awareness

The topics included in the Data Analysis & Interpretation and Insurance & Financial Market Awareness has been mentioned here for the candidates.

Data Analysis & Interpretation (For Generalists)

• Pie Charts
• Bar Graphs
• Data Handling
• Data Derivation
• Data Implementation
• Elementary Mathematics

Insurance & Financial Market Awareness

• Development
• Business and Finance Topics
• Various Laws and Policies
• History of Banking & Insurance
• Financial Institutes, Terminologies & Derivations
• Current Banking News and Events related to Insurance and the Financial Market

LIC AAO Syllabus for Professional Knowledge

The Professional Knowledge section of the LIC AAO exam is post-specific. It evaluates the candidate’s expertise in their chosen domain. The syllabus varies depending on the discipline applied for.

For AAO (Chartered Accountant – CA)

• Corporate Accounting & Cost Accounting
• Financial Management & Corporate Finance
• Indian Accounting Standards (Ind-AS)
• Accounting Standards & Financial Reporting
• Taxation: Direct & Indirect
• Auditing & Assurance Standards
• Basics of Company Law & Corporate Governance
• Latest Trends in Accounting & Finance

For AAO (Company Secretary – CS)

• Secretarial Practices & Corporate Meetings
• SEBI Guidelines & Listing Regulations
• Company Law & Corporate Governance
• Corporate Restructuring, Mergers & Acquisitions
• Drafting of Resolutions, Notices & Agreements
• Strategic Management & Business Policies
• Corporate Compliance Management
• Securities Laws & Capital Market Regulations

For AAO (Actuarial)

• Life Insurance Mathematics
• Demography & Survival Models
• Risk Models & Contingency Analysis
• Probability & Statistics
• Financial Mathematics & Investment Analysis
• Actuarial Valuations & Reserving
• Principles of Life & General Insurance
• Basics of Actuarial Standards of Practice (ASPs)

For AAO (Insurance Specialist)

• Insurance Underwriting & Claims Management
• Principles of Insurance & Risk Management
• Life Insurance Products & Annuities
• Reinsurance & Risk Sharing Concepts
• General Insurance Products (Health, Fire, Marine, Motor)
• IRDAI Regulations & Guidelines
• Insurance Marketing & Distribution Channels
• New-Age Trends: Digital Insurance, Bancassurance, InsurTech

For AAO (Legal)

• Industrial & Labour Laws
• Insurance Acts & Regulatory Guidelines
• Indian Contract Act, 1872
• Transfer of Property Act
• Civil Procedure Code (CPC) & Criminal Procedure Code (CrPC)
• Arbitration & Conciliation Act
• Companies Act, 2013
• Law of Torts, Constitutional Law, Consumer Protection Laws
• Legal Drafting & Interpretation of Statutes

For Assistant Engineer (Civil)

• Soil Mechanics & Foundation Engineering
• Surveying, Estimation & Costing
• Water Resources Engineering (Irrigation, Hydrology)
• Transportation Engineering (Highways, Railways, Bridges)
• Structural Engineering (RCC, Steel Design, Strength of Materials)
• Environmental Engineering (Water Supply, Wastewater, Solid Waste)
• Building Materials & Construction Techniques
• Construction Project Management

For Assistant Engineer (Electrical)

• Electrical Machines – Transformers, Motors & Generators
• Power Systems (Generation, Transmission, Distribution)
• Circuit Theory & Network Analysis
• Power Electronics & Control Systems
• Basic Electrical Engineering Principles
• Measurements & Instrumentation
• Utilisation of Electrical Energy
• Renewable Energy & Smart Grid Technologies

LIC AAO Interview 2025 Details

The final stage of the LIC AAO 2025 recruitment process is the Interview (Phase III). Only those candidates who qualify in the Main Examination will be shortlisted for this stage. The interview round is crucial, as the marks obtained here will be added to the main exam marks to prepare the final merit list. Candidates must secure the minimum qualifying marks to move forward in the selection process.

Details of LIC AAO Interview (Phase III):

• Conducted only for candidates who clear the Main Exam.
• The interview carries 60 marks in total. (30 marks – EWS/UR/OBC, 27 marks – SC/ST/PwBDAround three times the number of vacancies will be called for interview, depending on category and merit.)
• Final Merit List = Marks of Main Examination + Interview Marks.

Tie-breaking rules (if two candidates get the same marks):

• Higher educational qualifications are given preference
• If equal, the senior in age ranked higher