LIC ADO Salary, Selection Process and Job Description

lic ado salary

LIC ADO Salary, Eligibility, and Job Profile

When it comes to the LIC ADO salary topic, many considerations are taken into account. If you are an Indian citizen, it is a great opportunity for you to become an LIC ADO in 2024. You’ve set your sights on joining the Life Insurance Corporation. The path to becoming an LIC ADO is well-defined, involving an online preliminary exam, an online main exam, and an interview. Candidates must hold a bachelor’s degree and be under 30 years of age to apply. Let’s explore the salary details, selection process, and job responsibilities in this detailed article.

Selection Process

The LIC ADO selection process comprises four stages: Preliminary Exam, Mains Exam, Interview, and Medical Examination.

The Preliminary Exam is an online test with 100 MCQ questions across Reasoning Ability, Numerical Ability, and a qualifying English Language section, from which candidates equal to 20 times the vacancies in each category advance to the Mains Exam.

The Mains Exam, also online with 160 MCQ questions, includes sections on Reasoning & Numerical Ability, General Knowledge & Current Affairs, English Language, and Insurance & Financial Marketing Awareness, requiring candidates to achieve minimum qualifying marks in each section and overall to proceed to the Interview stage.

Marks from the Mains Exam determine shortlisting for the Interview, and candidates must pass both stages to be considered for final selection. Those selected then undergo a pre-recruitment medical examination to ensure they are medically fit before being appointed as Apprentice Development Officers.

Probation period

The probation period for a Life Insurance Corporation (LIC) Apprentice Development Officer (ADO) is one year, extendable to a maximum of two years. During this time, candidates undergo continuous assessment, and failure to meet the minimum performance standards may result in dismissal. This period is crucial for candidates to demonstrate their capabilities and adapt to the role effectively, while also allowing the corporation to evaluate new recruits and make necessary adjustments before confirming them as permanent employees.

LIC ADO Job Profile

The LIC ADO job profile is primarily a sales administration role that involves working in both urban and rural settings. Additionally, Key responsibilities include recruiting and training agents, analyzing their performance, motivating them to meet sales targets, and ensuring the provision of after-sales services to policyholders. The role also involves managing the team of agents, performing administrative tasks, and traveling extensively to cover the assigned area. This dynamic and challenging position requires strong management skills and innovative thinking to drive sales growth.

After completing the apprenticeship and probation periods, LIC ADOs have significant career growth opportunities, with potential promotions to positions:

  1. Development Officer (DO)
  2. Assistant Administrative Officer (AAO)
  3. Branch Officer
  4. Senior Branch Officer
  5. Assistant Divisional Officer
  6. Divisional Officer
  7. Senior Divisional Manager
  8. Regional Manager

These promotions depend on performance and the successful completion of required examinations, offering a clear path for professional advancement within the organization.

LIC ADO Salary

The salary structure for LIC Apprentice Development Officers (ADOs) includes a basic pay, various allowances, and benefits. Here are the key details organized into tables:

Basic Pay

Starting Basic PayRs. 35,650/- per month
Pay ScaleRs. 35,650 – 2200(2) – 40,050 – 2595(2) – 45,240 – 2645(17) – 90,205


Allowance TypeRate
Dearness Allowance (DA)40% of the basic pay
House Rent Allowance (HRA)9%, 8%, or 7% of the basic pay, depending on the location
City Compensatory Allowance (CCA)4%, 3%, or 0%, depending on the location
Professional AllowanceDetermined by LIC
Special AllowanceDetermined by LIC

Benefits and Perks

RewardPerformance-based incentives
Defined Contributory Pension SchemeA contributory pension plan
Leave Travel Concession (LTC)Leave travel allowance
Medical BenefitMedical insurance
Group InsuranceGroup insurance coverage
Group Personal Accident InsurancePersonal accident insurance
Vehicle AdvanceAdvance for personal vehicles (2-wheeler/4-wheeler)
ReimbursementReimbursement for briefcase/leather bag and mobile handset
IncentivesPerformance-based incentives

Salary in Hand

LIC ADO Salary in HandRs. 50,000 to Rs. 56,000 per month, depending on the city allocation
Fixed Stipend for Apprentice Development OfficersRs. 51,500 per month (except for LIC Employee Category candidates)

Salary Slip

Basic PayBasic salary
AllowancesDA, HRA, CCA, Professional Allowance, Special Allowance
Gross PayTotal before deductions
DeductionsStatutory and other deductions
Net PayPay after deductions

Other Details

Probation Period1 year after the Apprentice Period
GratuityEligible after completing the probation period

Overall, the LIC ADO salary structure offers a comprehensive package with a competitive basic pay and various allowances and benefits, making it an attractive career option in the insurance sector.

How to get LIC ADO jobs in India

To get LIC ADO (Life Insurance Corporation of India – Apprentice Development Officer) jobs in India, follow these steps:

1. Visit the Official Website

  • Go to the official website of LIC: LIC India

2. Navigate to the Career Section

  • Click on the “Career” link at the bottom of the page.

3. Find the Recruitment Notification

  • Look for the official recruitment notification for LIC ADO Recruitment 2024.

4. Apply Online

Apply OnlineClick on the apply online link for LIC ADO Recruitment 2024. Fill out the application form with basic details and submit it.

5. Upload Documents and Pay Fees

CategoryApplication Fee
SC/ST₹100 (as an intimation charge)
  • Upload your photograph and signature.
  • Pay the application fee according to your category.

6. Print the Application Form

  • Print the submitted application form along with the fee receipt for future use.

7. Download Admit Card

Download Admit CardVisit the official website and navigate to the “Career” section. Find the recruitment notification for LIC ADO Recruitment 2024. Click on the link for the Admit Card and provide the required credentials. Download and print the LIC ADO Admit Card 2024.

8. Prepare for the Exam

  • Familiarize yourself with the LIC ADO exam pattern and syllabus.
  • Practice with sample questions and mock tests to improve your chances of selection.

9. Attend the Exam

  • Appear for the preliminary, mains, and interview stages of the LIC ADO recruitment process.

10. Check the Result

  • Check the LIC ADO result on the official website once it is announced.

By following these steps, you can successfully apply for the LIC ADO job and participate in the recruitment process.