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LIC ADO (Apprentice Development Officer) mock test
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LIC ADO (Apprentice Development Officer) Syllabus 2026

The complete LIC ADO (Apprentice Development Officer) syllabus for 2026 — 5 sections and 45 topics in all, organised exactly as the Life Insurance Corporation of India (LIC) prescribes. Use it as your revision checklist, then test yourself with a free LIC ADO (Apprentice Development Officer) mock below.

Reasoning Ability (Prelims + Mains)9 topics

  • Puzzles — linear seating, day/month-based, floor and box (medium difficulty, lower than LIC AAO)
  • Seating arrangement — single row, double row, circular
  • Syllogism — including possibility-based syllogism
  • Blood relations, direction sense, ranking and order
  • Coding-decoding — letter and number, word-based new pattern
  • Inequalities — direct and coded
  • Input-Output (Mains-level) and basic data sufficiency
  • Logical reasoning — statement and assumption, statement and conclusion, course of action
  • Mains additions — passage-based reasoning, alphanumeric series

Numerical Ability (Prelims + Mains)9 topics

  • Number series — missing, wrong-term, next-term
  • Simplification (high weight at ADO level) and BODMAS ordering
  • Arithmetic — percentages, ratio-proportion, averages, ages, partnership
  • Profit-Loss-Discount, Simple Interest, Compound Interest
  • Time and Work, Pipes and Cisterns, Time-Speed-Distance, Boats and Streams
  • Mixtures and alligation, mensuration basics (Class X level)
  • Data Interpretation — Tables, Bar charts, Line charts, Pie charts (medium difficulty)
  • Quadratic equations — comparing two quadratics (Mains-level)
  • Data Sufficiency (Mains-level, 2-statement type)

English Language (Prelims + Mains)7 topics

  • Reading Comprehension — 1 passage of 300-400 words per set (insurance / general)
  • Cloze Test — fill in the contextual word
  • Error spotting (single-error sentences) and sentence correction
  • Para-jumbles (sentence rearrangement) and paragraph completion
  • Fill-in-the-blanks (single and double), phrase replacement
  • Vocabulary — synonyms, antonyms, idioms and phrases
  • Grammar fundamentals — tense, subject-verb agreement, preposition, articles

General Knowledge & Insurance Awareness (Mains)14 topics

  • History of Indian insurance — pre-1956 private insurers, LIC Act 1956 (LIC nationalised 1 September 1956), GIBNA 1972, IRDA Act 1999
  • LIC structure — Yogakshema HQ Mumbai, 8 Zonal Offices, 113+ Divisional Offices, 2000+ Branch Offices, 1 lakh+ ADO-supervised agents
  • Types of life insurance products — term, endowment, whole life, money-back, ULIPs, annuities, pension plans, group insurance
  • Principles of insurance — utmost good faith (uberrimae fidei), insurable interest, indemnity, subrogation, contribution, proximate cause
  • Insurance Act 1938 — key sections: 38 assignment, 39 nomination, 45 indisputability after 3 years, 64UM licensing of agents, 64VB no risk without premium
  • Premium calculation basics — mortality, interest, expenses; bonus types (simple reversionary, terminal); surrender, paid-up, revival
  • Free-look period (30 days, revised from 15 days via 2024 IRDAI circular), grace period (30 days annual / half-yearly mode; 15 days monthly mode)
  • Government social insurance schemes — PMJJBY (Rs 436 premium, Rs 2L cover, revised May 2022 from Rs 330), PMSBY (Rs 20 premium, Rs 2L accident cover), APY, Ayushman Bharat PMJAY
  • Current affairs of the last 6-8 months — national and international news, awards, sports, government schemes
  • Banking and financial sector basics — RBI, monetary policy, public sector banks, NBFCs
  • Riders and add-ons — Accidental Death Benefit, Critical Illness, Premium Waiver, Term Rider — typical sum-assured caps and eligibility conditions
  • Underwriting fundamentals — proposal form, medical underwriting, financial underwriting, sub-standard lives, declined lives
  • Claim settlement — death claim, maturity claim, survival benefit, surrender; IRDAI prescribed timelines for claim repudiation and settlement
  • LIC distribution structure — Branch Office, Divisional Office, Zonal Office, Central Office at Yogakshema Mumbai; role of ADO within the Branch Office sales hierarchy

Computer Aptitude (Mains)6 topics

  • Fundamentals — generations, types of computers, hardware-software
  • Operating systems basics — Windows, file management, common shortcuts
  • MS Office — Word, Excel basics, PowerPoint, Outlook
  • Internet basics — browsers, search, email, attachments
  • Computer security — virus, phishing, antivirus, password hygiene
  • Recent IT terminology — cloud computing, AI/ML basics, mobile apps

Know the syllabus — now see where you stand.

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