LIC ADO Papers 2026

Last Updated: March 2026

The LIC ADO (Life Insurance Corporation of India - Apprentice Development Officer) examination is a golden opportunity for graduates seeking a career in the insurance sales and development sector. This comprehensive guide covers everything about LIC ADO 2026 - exam pattern, syllabus, sample questions, and preparation strategy.

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📋 Exam Overview

About ADO Role

An Apprentice Development Officer is responsible for recruiting, training, and managing insurance agents. The role involves:

• Recruiting new agents
• Training and motivating the agency force
• Achieving business targets
• Maintaining relationship with existing policyholders

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🎯 Eligibility Criteria

Educational Qualification

• Bachelor's Degree in any discipline from a recognized university
• No minimum percentage required
• Candidates with MBA/Post Graduate Diploma in Marketing have advantage

Age Limit (as of 01/01/2026)

Experience (Preferred, Not Mandatory)

• Prior experience in sales/marketing is advantageous
• LIC Agents with 3+ years experience get relaxation

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💰 Salary & Pay Scale

Additional Benefits

• Dearness Allowance (DA)
• House Rent Allowance (HRA)
• City Compensatory Allowance
• Vehicle Allowance
• Mobile/Communication Allowance
• Performance-based Incentives
• Gratuity and Pension

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📊 Exam Pattern 2026

Phase 1: Online Examination

Key Points:

• Negative marking: 0.25 marks for each wrong answer
• Sectional cutoffs apply
• Only qualifying in nature (not counted for final merit)

Phase 2: Interview

• Marks: 40
• Tests personality, communication skills, and aptitude for sales
• Final selection based on Interview performance

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📚 Detailed Syllabus

Reasoning Ability & Numerical Ability

• Number Series
• Data Interpretation
• Simplification
• Quadratic Equations
• Arithmetic (Percentage, Profit & Loss, SI/CI, Ratio, Average, Time & Work)
• Seating Arrangement
• Puzzles
• Syllogism
• Coding-Decoding
• Blood Relations
• Direction Sense

General Knowledge & Current Affairs

• National & International Events
• Sports
• Awards & Honors
• Government Schemes
• Static GK (History, Geography, Polity)

English Language

• Reading Comprehension
• Cloze Test
• Error Spotting
• Fill in the Blanks
• Para Jumbles
• Vocabulary

Insurance & Financial Marketing Awareness

• History of LIC
• Life Insurance Products (Endowment, Term, ULIP, Money Back)
• Marketing Concepts (4Ps, Sales Funnel, Lead Generation)
• Sales Techniques (Cold Calling, Referral Marketing)
• IRDAI Guidelines and Regulations
• Financial Market Awareness
• Mutual Funds and Investments
• Banking Basics and Terminology
• Customer Relationship Management
• Digital Marketing in Insurance
• Agency Management
• Business Development Strategies

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🧮 Quantitative Aptitude - 15 Practice Questions

Question 1

A number when divided by 296 gives a remainder of 75. What will be the remainder when the same number is divided by 37?

Solution: Let the number be N N = 296q + 75 296 is divisible by 37 (296 = 37 × 8) So remainder when N is divided by 37 = remainder when 75 is divided by 37 = 1

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Question 2

The HCF of two numbers is 23 and their LCM is 1449. If one number is 161, find the other.

Solution: HCF × LCM = Product of two numbers 23 × 1449 = 161 × other number Other number = (23 × 1449)/161 = 207

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Question 3

A man buys 12 articles for ₹10 and sells 10 articles for ₹12. Find his profit percentage.

Solution: CP of 12 articles = ₹10 → CP of 1 article = ₹10/12 = ₹5/6 SP of 10 articles = ₹12 → SP of 1 article = ₹12/10 = ₹6/5

Profit per article = 6/5 - 5/6 = (36-25)/30 = ₹11/30 Profit % = (11/30) / (5/6) × 100 = (11/30) × (6/5) × 100 = 44%

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Question 4

If A:B = 2:3, B:C = 4:5, C:D = 6:7, find A:D.

Solution: A:B = 2:3 = 8:12 B:C = 4:5 = 12:15 C:D = 6:7 = 15:17.5

A:D = 8:17.5 = 16:35

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Question 5

A sum of ₹12,500 amounts to ₹15,500 in 4 years at simple interest. What is the rate of interest?

Solution: SI = 15,500 - 12,500 = ₹3,000 Rate = (SI × 100)/(P × T) = (3000 × 100)/(12500 × 4) = 6%

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Question 6

A can do a work in 15 days, B in 20 days. They work together for 5 days, then B leaves. How many days will A take to finish the remaining work?

Solution: (A+B)'s 1 day work = 1/15 + 1/20 = 7/60 Work in 5 days = 35/60 = 7/12 Remaining work = 5/12 A will complete in = (5/12) × 15 = 6.25 days

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Question 7

The average weight of 8 persons increases by 2.5 kg when a new person comes in place of one of them weighing 65 kg. What is the weight of the new person?

Solution: Total increase = 8 × 2.5 = 20 kg Weight of new person = 65 + 20 = 85 kg

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Question 8

A shopkeeper sells an article at 10% discount and still makes 20% profit. If the marked price is ₹600, what is the cost price?

Solution: SP = 600 × 0.90 = ₹540 CP = 540/1.20 = ₹450

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Question 9

Find the next number: 3, 10, 29, 66, 127, ?

Solution: Pattern: 1³+2, 2³+2, 3³+2, 4³+2, 5³+2, 6³+2 Next = 6³ + 2 = 216 + 2 = 218

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Question 10

The ratio of present ages of father and son is 7:2. After 10 years, the ratio will be 9:4. Find the present age of the father.

Solution: Let present ages be 7x and 2x (7x + 10)/(2x + 10) = 9/4 28x + 40 = 18x + 90 10x = 50 x = 5 Father's age = 7 × 5 = 35 years

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Question 11

Two pipes A and B can fill a tank in 20 and 30 minutes respectively. If both pipes are opened together, how long will it take to fill the tank?

Solution: Part filled in 1 minute = 1/20 + 1/30 = 5/60 = 1/12 Time taken = 12 minutes

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Question 12

A train 150m long passes a pole in 15 seconds. What is the speed of the train in km/hr?

Solution: Speed = 150/15 = 10 m/s = 10 × 18/5 = 36 km/hr

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Question 13

What is the difference between compound interest and simple interest on ₹5,000 at 8% per annum for 2 years?

Solution: Difference = P × R²/100² = 5000 × 64/10000 = ₹32

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Question 14

If 40% of a number is 240, what is 75% of that number?

Solution: Number = 240 × 100/40 = 600 75% of 600 = 450

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Question 15

A bag contains 4 red, 5 blue, and 6 green balls. One ball is drawn at random. What is the probability that it is not blue?

Solution: Total balls = 15 Not blue = 4 + 6 = 10 Probability = 10/15 = 2/3

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🧩 Reasoning Ability - 10 Practice Questions

Question 1

Find the odd one out: 2, 5, 10, 17, 25, 37

Solution: Pattern: 1²+1=2, 2²+1=5, 3²+1=10, 4²+1=17, 5²+1=26, 6²+1=37 25 doesn't fit (should be 26)

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Question 2

Statement: All fruits are vegetables. Some vegetables are pulses. No pulse is a cereal. Conclusions: I. Some vegetables are not cereals II. No fruit is a cereal

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Question 3

If BLUE is coded as EOXH, how is PINK coded?

Solution: B(2)→E(5): +3, L(12)→O(15): +3, U(21)→X(24): +3, E(5)→H(8): +3 PINK → SLQN

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Question 4

A is taller than B but shorter than C. D is shorter than E but taller than A. Who is the tallest?

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Question 5

Pointing to a woman, Rajesh said, "She is the daughter of my grandfather's only daughter." How is Rajesh related to the woman?

Solution: Grandfather's only daughter = Rajesh's mother (or aunt, but only daughter means mother) Her daughter = Rajesh's sister

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Question 6

Direction: A person walks 10m West, turns right and walks 10m, turns right and walks 10m. How far from start?

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Question 7

In a row of students, Priya is 15th from left and 20th from right. How many students are there?

Solution: Total = 15 + 20 - 1 = 34

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Question 8

Complete the series: AZ, BY, CX, DW, ?

Solution: First letters: A, B, C, D, E Second letters: Z, Y, X, W, V

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Question 9

If SYSTEM is coded as SYSMET, how is FOLDER coded?

Solution: Pattern: First 3 letters same, last 3 letters reversed FOLDER → FOLRED

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Question 10

Seating: A, B, C, D, E are sitting in a row. B is between A and E. C is to the right of E. D is at the extreme left. Who is in the middle?

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🌍 General Knowledge & Insurance Awareness - 10 Questions

Question 1

What is the full form of ADO in LIC? Answer: Apprentice Development Officer

Question 2

Who regulates the insurance sector in India? Answer: IRDAI (Insurance Regulatory and Development Authority of India)

Question 3

When was the Insurance Act passed in India? Answer: 1938

Question 4

What is the tagline of LIC? Answer: "Yogakshemam Vahamyaham" (Your welfare is our responsibility)

Question 5

Which is the first private sector general insurance company in India? Answer: Royal Sundaram Alliance Insurance

Question 6

What does OPD stand for in health insurance? Answer: Outpatient Department

Question 7

What is the maximum tax deduction under Section 80C for life insurance premium? Answer: ₹1,50,000

Question 8

What is surrender value in insurance? Answer: The amount payable to the policyholder when they voluntarily terminate the policy before maturity

Question 9

What does NAV stand for in ULIP? Answer: Net Asset Value

Question 10

Which type of insurance covers legal liability for damage to third party property? Answer: Third Party Liability Insurance

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📝 English Language - 5 Practice Questions

Question 1

Error spotting: "Each of the students / have submitted / their assignments. / No error"

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Question 2

Fill in the blank: "She is ___ European citizen."

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Question 3

Synonym: BENEVOLENT

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Question 4

Antonym: ANCIENT

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Question 5

One word substitution: One who cannot be defeated

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📈 Previous Year Cutoff Marks

LIC ADO 2023-24 Cutoff (Online Exam)

Interview Cutoff (Out of 40)

• Minimum qualifying: 20 marks
• Final selection depends on interview performance

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📖 Detailed Preparation Strategy for LIC ADO

Understanding the ADO Role

Before starting preparation, understand that ADO is primarily a sales and marketing role. The interview panel looks for:

• Communication skills
• Leadership qualities
• Sales aptitude
• Knowledge of insurance products
• Motivational capabilities

Month 1: Foundation Building (Weeks 1-4)

Week 1-2: Quantitative Aptitude Basics

Day 1-3: Number System & Simplification

• Learn tables up to 30
• Squares up to 50, cubes up to 30
• BODMAS rules
• Decimal and fraction conversions

Day 4-6: Percentage and Profit-Loss

• Percentage to fraction conversions
• Successive percentage change
• Profit-loss basic formulas
• Discount calculations

Day 7: Weekly Revision Test

Day 8-10: Ratio, Proportion & Partnership

• Direct and indirect proportion
• Allegation method
• Partnership calculations

Day 11-13: Time & Work, Pipes & Cisterns

• Work efficiency method
• LCM method for work problems
• Pipe filling/draining problems

Day 14: Weekly Test

Week 3-4: Advanced Quant Topics

• Time, Speed & Distance
• Simple & Compound Interest
• Averages and Ages
• Data Interpretation basics

Month 2: Reasoning & Insurance Awareness (Weeks 5-8)

Week 5-6: Reasoning Mastery

Daily Schedule:

• 2 Puzzles (Seating arrangement)
• 10 Syllogism questions
• 10 Coding-Decoding
• 10 Blood Relations/Direction

Week 7-8: Insurance Awareness Deep Dive

Topics to Cover:

• LIC History: Founded 1956, nationalization
• LIC Products: Jeevan Anand, Jeevan Labh, Term Plan, ULIP
• IRDAI Functions and Regulations
• Insurance Ombudsman
• Claim Settlement Process
• Marketing Concepts: Segmentation, Targeting, Positioning

Daily Reading:

• The Hindu Business Line (Insurance section)
• IRDAI Annual Report summary
• LIC Annual Report highlights

Month 3: Revision & Mocks (Weeks 9-12)

Week 9-10: Intensive Mock Tests

Daily Schedule:

• 1 Full-length mock test (150 questions)
• 1 hour analysis
• Weak area revision
• Current Affairs (last 6 months)

Week 11-12: Final Preparation

• Previous year papers (2018, 2019, 2022)
• Interview preparation
• Group discussion topics
• Sales scenario practice

Subject-wise Daily Time Table

Important Topics Priority List

High Priority (Must Master):

1. Data Interpretation
2. Seating Arrangements
3. Insurance Products (LIC)
4. Simplification
5. Number Series

Medium Priority:

1. Syllogism
2. Puzzles
3. Arithmetic Word Problems
4. Current Affairs
5. Marketing Basics

Low Priority (Basic Knowledge):

1. Computer Basics
2. Static GK
3. Vocabulary

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📚 Best Books and Resources

Quantitative Aptitude

• R.S. Aggarwal - Quantitative Aptitude
• Fast Track Objective Arithmetic by Rajesh Verma

Reasoning

• A Modern Approach to Verbal & Non-Verbal Reasoning by R.S. Aggarwal

Insurance Awareness

• Insurance Awareness by Arihant Publications
• LIC ADO Guide by Kiran Prakashan

General Knowledge

• Lucent's General Knowledge
• Current Affairs (last 6 months)

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You May Also Like

• Lic Aao Papers 2026

❓ FAQs

Q1. Is there any bond period after selection as LIC ADO?

Q2. What is the career growth for LIC ADO?

Q3. Can LIC agents apply for ADO?

Q4. Is the ADO exam bilingual?

Q5. What is the difference between LIC AAO and ADO?

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Last Updated: March 2026

Related: Government Exam Calendar 2026, for the full month-by-month schedule of competitive exams this year.

Frequently Asked Questions

What is the expected salary for LIC ADO 2026 after selection?

LIC ADO is an Apprentice Development Officer role, and the compensation typically includes a fixed stipend during the apprenticeship period followed by regular pay as per LIC rules after confirmation. The exact in-hand salary can vary based on allowances and LIC’s latest pay structure for the year of appointment.

What are the eligibility criteria for LIC ADO 2026?

Candidates must generally be graduates from a recognized university and meet the age limit specified in the official LIC notification. Additionally, the eligibility may require proficiency in the local language relevant to the posting area, so candidates should check the official criteria before applying.

How difficult is the LIC ADO exam compared to other government/insurance exams?

The LIC ADO exam is considered moderately competitive because it tests both aptitude and general awareness, along with reasoning and English. Difficulty mainly depends on your baseline in quantitative aptitude and reasoning, as these sections often decide the cutoff.

What are the best preparation tips to crack LIC ADO 2026?

Start with a clear plan: complete the syllabus first, then move to previous year papers and sectional mock tests. Focus on speed and accuracy for reasoning and quantitative aptitude, and revise general awareness daily using reliable sources and LIC-related updates.

What are the interview rounds (if any) in the LIC ADO selection process?

LIC ADO selection generally follows a written exam followed by document verification, and then an interview/selection stage as per the official process for that year. The interview typically evaluates communication, confidence, basic insurance awareness, and your suitability for sales/development work.

Which topics are most commonly asked in LIC ADO previous year papers?

Common topics include reasoning (coding-decoding, syllogisms, puzzles, data sufficiency basics), quantitative aptitude (percentages, ratio, time-speed-distance, simple interest), and English (grammar and comprehension). General awareness and current affairs, especially finance, insurance, and LIC-related news, also appear frequently.

How can I apply for LIC ADO 2026 and where should I download the papers/PDF?

You can apply through the official LIC website or the recruitment portal mentioned in the LIC notification, where the application form and instructions are provided. For preparation, download LIC ADO previous year papers and the preparation guide from trusted sources on your placement-prep website, and use them to practice section-wise and topic-wise.

What is the approximate selection rate for LIC ADO 2026?

The selection rate varies each year based on vacancies, number of applicants, and exam difficulty, so there is no fixed percentage. However, candidates should aim for strong performance in the written exam and maintain consistency in mock tests, because the final selection is heavily influenced by overall merit.

How we keep this current: the patterns and figures here are compiled from public candidate reports and official notifications. Treat specifics as candidate-reported rather than official, and confirm cut-offs, dates, and eligibility on the official portal before you rely on them.