LIC AAO 2025: what we know
The 2025 (32nd batch) prelims were held online on 3 October 2025 in four sessions, with sessions 2–4 at one Bhagalpur centre cancelled and re-held on 7 October. The mains followed on 8 November 2025 in a single shift. The whole recruitment is now complete, and LIC has not announced dates for the next cycle.
What this page covers
Section-wise paper
Section names, questions, marks and timings are from the 2025 notification; each section is separately timed, and every test except the English ones is offered in English and Hindi. LIC names only the tests, so the topic lists below are commonly tested areas, not an official syllabus.
Prelims · Reasoning Ability
35 Q · 35 marks · 20 min. Commonly tested: puzzles and seating arrangement, syllogism, inequalities, blood relations and coding-decoding.
Prelims · Quantitative Aptitude
35 Q · 35 marks · 20 min. Commonly tested: simplification, number series, quadratic equations, data interpretation and arithmetic.
Prelims · English Language
30 Q · 30 marks · 20 min · English only · qualifying. Officially emphasises grammar, vocabulary and comprehension.
Mains · Reasoning Ability
30 Q · 90 marks · 40 min. Commonly tested: puzzles, data sufficiency, logical reasoning and input-output.
Mains · General Knowledge & Current Affairs
30 Q · 60 marks · 20 min. Commonly tested: national and international current affairs, government schemes and static general knowledge.
Mains · Data Analysis & Interpretation
30 Q · 90 marks · 40 min. Commonly tested: tables, charts and caselet-based data sets, data sufficiency and arithmetic.
Mains · Insurance & Financial Market Awareness
30 Q · 60 marks · 20 min. Commonly tested: insurance basics and terms, the insurance and financial-sector regulators, and banking and financial-market news.
Mains · English descriptive
2 Q · 25 marks · 30 min · typed · qualifying. Officially communication skills: emails, reports, situation analysis and précis writing — LIC clarified that any of these types can be asked.
What each question is worth
For AAO (Generalist), LIC states there are no negative marks in the prelims or the mains: your score is the number of questions answered correctly, so a wrong answer and a blank both earn nothing. Because marks per question differ by section, so does the value of each correct answer. Worked out from the official marks and question counts:
| Section | Marks per question | Penalty per wrong answer |
|---|---|---|
| Prelims · Reasoning Ability | 1.00 | None |
| Prelims · Quantitative Aptitude | 1.00 | None |
| Prelims · English Language (qualifying) | 1.00 | None |
| Mains · Reasoning Ability | 3.00 | None |
| Mains · General Knowledge & Current Affairs | 2.00 | None |
| Mains · Data Analysis & Interpretation | 3.00 | None |
| Mains · Insurance & Financial Market Awareness | 2.00 | None |
These figures assume marks are spread equally across a section’s questions — LIC states only section totals. The descriptive paper is marked separately and is qualifying only. LIC does not publish good-attempt numbers, so we don’t show any.
Normalisation, shortlists & cut-offs
Scores from different sessions are equated using the equi-percentile method and reported to two decimals. You must clear each section and the aggregate in both papers. In 2025 the funnel ran: 7,760 Generalist candidates shortlisted for the mains (29 October 2025), 1,119 for interview (4 February 2026), 350 for the pre-recruitment medical exam (9 April 2026), and 333 found eligible after it (14 May 2026). LIC published marks and cut-offs only after the whole process was finalised.
Official 2025 cut-offs for unreserved candidates: 58 out of 70 in the prelims, 232 out of 300 in the mains, and 294 out of 360 on mains plus interview. Every category’s figures are on the cut-off page.
See all the official LIC AAO cut-offsCrack LIC AAO with your own daily plan
Daily targets, PYQ practice sets & timed mocks — to the latest pattern.
Turn the paper structure into your next mock
Knowing where the marks sit only helps if you practise to it. JobSafal turns the LIC AAO sections into daily targets and timed practice, so speed and accuracy are in place before the next notification.
Section-wise plan
Daily targets across Reasoning, Quant/DI, English, GK and Insurance Awareness.
Practice mocks
Timed LIC AAO mocks in the online exam format.
Sectional drills
Work on the section your mocks flag as weak.
Practice sets
Previous-year-style practice sets, solved, for every section.
