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LIC AAO guidance: how the paper is cracked, from your own numbers

Life Insurance Corporation of India — Assistant Administrative Officer (Generalist). Conducted by Life Insurance Corporation of India (LIC). Nisha knows this paper from the site's own pattern pages — and reads your scores, your mocks and what you haven't touched before saying a word.

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LIC AAO guidance · Plan my weeksNisha · AI guide · has read your profile

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On the table

Carries the marks · Reasoning AbilityPuzzles & Seating ArrangementPrelims 10–14 Open the chapter

The paper · LIC AAO100 questions, 70 marksNo negative marking

Nisha“Before we plan anything: when do you sit LIC AAO, and how many hours a day do you really have?”

Talk TypeEnd & get my plan06:12

Ends in a plan

Stages

First paper

100 questions, 70 marks

Marking

No negative marking

Your guide

Nisha, free

How it's decided

LIC AAO, stage by stage

Once a year (notification ~Aug; Prelims/Mains later in the cycle; check licindia.in for exact dates). Prelims & Mains Objective: online MCQ. Mains Descriptive: online typed, English only. Interview: in-person..

PrelimsQualifying screen

100 questions · 60 minutes, sectional-locked 20 min each (Reasoning 35Q/35marks, Quantitative Aptitude 35Q/35marks, English 30Q — marks excluded from ranking). Clears you to Mains; marks are then discarded.

Mains — Objective Test300 of your final merit marks

120 questions · 300 marks · 120 minutes, sectional-locked (Reasoning 30Q/90marks/40min, Data Analysis & Interpretation 30Q/90marks/40min, GK & Current Affairs 30Q/60marks/20min, Insurance & Financial Market Awareness 30Q/60marks/20min). −1/4 negative marking.

Mains — Descriptive TestQualifying only (own separate threshold)

25 marks · 30 minutes · 2 tasks (Email & Report Writing 13, Situation Analysis & Precis 12). Evaluated only if the Objective Mains cutoffs are cleared. Qualifying: ~10/25 (general/OBC/EWS), ~9/25 (SC/ST/PwBD).

InterviewFinal 60 marks

Qualifying: ~30/60 (UR/OBC/EWS), ~27/60 (SC/ST/PwBD). Final merit = Mains Objective (300) + Interview (60), weighted roughly 80:20.

The papers

3 papers, and how each is marked

Preliminary Exam

100 questions70 marks60 minNo negative marking

Qualifying only

Marking: No negative marking reported for Generalist Prelims

Reasoning Ability35 Q · 35 marks · 20 minQuantitative Aptitude35 Q · 35 marks · 20 minEnglish Language30 Q · 20 min

English section (30 Qs) is checked only for a qualifying cutoff — its marks are excluded from the 70-mark Prelims ranking total (Reasoning 35 + Quant 35).

Main Exam — Objective Test

120 questions300 marks120 minNegative marking

Merit — 300 of your final merit marks

Marking: −0.25 per wrong answer

Reasoning Ability30 Q · 90 marks · 40 minData Analysis & Interpretation30 Q · 90 marks · 40 minGK & Current Affairs30 Q · 60 marks · 20 minInsurance & Financial Market Awareness30 Q · 60 marks · 20 min

Main Exam — Descriptive Test

2 questions25 marks30 minNo negative marking

Qualifying only — own separate threshold

Marking: No negative marking

Evaluated ONLY if the objective Mains cutoffs are cleared. Qualifying: ~10/25 (general/OBC/EWS), ~9/25 (SC/ST/PwBD) — a real hurdle, not a formality.

Where the marks come from

Where your final LIC AAO score comes from

Prelims is qualifying only (English marks are excluded even from Prelims' own ranking). Mains has an Objective test (300 marks, fully merit-counting) and a separate Descriptive test (25 marks, qualifying only — evaluated solely if you clear the objective cutoffs). Final merit combines the Objective score and the 60-mark Interview, weighted roughly 80:20.

Reasoning Ability90 marks · 30%

The joint-largest Mains section by marks, 30 questions in 40 minutes.

Data Analysis & Interpretation90 marks · 30%

DI-heavy quant, matching the section's own name — the joint-largest Mains section.

GK & Current Affairs60 marks · 20%

60 marks in just 20 minutes — the fastest marks-per-minute section once revised.

Insurance & Financial Market Awareness60 marks · 20%

LIC-specific, life-insurance-flavoured content distinct from general banking awareness.

What changed this cycle

Things last year's advice gets wrong

Prelims' English section marks are excluded from Prelims' own ranking — English is checked only for a qualifying cutoff, not counted toward the Prelims score used to shortlist for Mains.
Mains' Insurance & Financial Market Awareness is a distinctly named, dedicated 60-mark section — unlike some comparable insurance exams that fold insurance content into a broader General Awareness section instead.
The Descriptive test (25 marks, 30 minutes) is evaluated ONLY if the objective Mains cutoffs are cleared, and carries its own separate qualifying threshold (~10/25 general, ~9/25 SC/ST/PwBD) — clearing the objective Mains does not make the descriptive test optional.
Final merit combines Mains Objective and Interview scores in roughly an 80:20 weighting — Prelims and the Descriptive test are both excluded from the final merit calculation once their own qualifying bars are cleared.

The chapters that carry the marks

Where a plan for LIC AAO usually starts

The highest-weight chapters in each subject, linked to their notes. Weights are estimates from previous papers where the conducting body publishes none. Your guide weighs these against your own scores.

Reasoning AbilityAll chapters

Prelims: 35 Q / 35 marks · Mains: 30 Q / 90 marks

Quantitative AptitudeAll chapters

Prelims: 35 Q / 35 marks · Mains: 30 Q / 90 marks

English LanguageAll chapters

Prelims: 30 Q (0 ranked marks) · Mains Descriptive: 25 marks / 30 min

General AwarenessAll chapters

Mains only: 30 Q / 60 marks / 20 min

Insurance & Financial Market AwarenessAll chapters

Mains only: 30 Q / 60 marks / 20 min

Talk it through

What Nisha can talk through with you

Sectional cut-offs, speed, and the mock-analysis habit that decides bank and SSC results. Pick one to start, or just talk — Nisha has read your profile either way.

Where do I stand?A straight read of your profile against the exam: what is solid, what is costing marks, what nobody has tested yet.Plan my weeks to the examA plan for the time you actually have, built on your gaps and on where this paper's marks come from.How is this paper cracked?Attempt order, time per section, negative marking, cut-offs: how people who clear it sit the paper.Go over my last mockWhat your last mock says beyond the score, and the one change that moves the next one.I'm stuck or falling behindBacklog, scores that won't move, days that slip away, pressure from home. Talk it through.Which exam or stream suits me?For Class 9 to 12 and graduates: what your strengths point to, and what each road actually asks of you.

Alongside guidance

The rest of your LIC AAO preparation

Questions

About LIC AAO, and guidance for it

What are the stages of LIC AAO?

1. Prelims — Qualifying screen. 2. Mains — Objective Test — 300 of your final merit marks. 3. Mains — Descriptive Test — Qualifying only (own separate threshold). 4. Interview — Final 60 marks.

How is the LIC AAO paper marked?

Preliminary Exam: 100 questions, 70 marks, 60 min (20 min per section, locked). Marking: No negative marking reported for Generalist Prelims

Is there negative marking in LIC AAO?

No. No negative marking reported for Generalist Prelims

What decides the final merit in LIC AAO?

What has changed in LIC AAO recently?

Prelims' English section marks are excluded from Prelims' own ranking — English is checked only for a qualifying cutoff, not counted toward the Prelims score used to shortlist for Mains.

What does the LIC AAO guide know about me?

Only what you have done on the site: your scores by subject and chapter for LIC AAO, what you have never been tested on, the kinds of mistake you make across topics, your mocks, your projected score, your error book, your last two weeks and your goals. You can open the exact page Nisha reads before you start.

Is it free?

Talking to Nisha, the AI guide, is free — up to four talks a day. Real guides who have cleared or teach LIC AAO set their own prices, and many offer a free call or a short demo.

Every fact on this page comes from the exam's blueprint on this site. How the guide uses it: how Guidance works.

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Your LIC AAO plan, from your own numbers.

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LIC AAO guidance: how the paper is cracked, from your own numbers

LIC AAO, stage by stage

3 papers, and how each is marked

Where your final LIC AAO score comes from

Things last year's advice gets wrong

Where a plan for LIC AAO usually starts

What Nisha can talk through with you

The rest of your LIC AAO preparation

About LIC AAO, and guidance for it

Nisha also guides for

Your LIC AAO plan, from your own numbers.

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