LIC ADO Mock Test

The LIC ADO Mock Test at SarkariExam Center covers Prelims (100 MCQs in 60 minutes) and Mains (150 MCQs in 120 minutes) for all 3 categories: Open Market, Employee, and Agent. Practice free, get instant scores, and crack the Life Insurance Corporation of India Apprentice Development Officer exam in your first attempt.

LIC ADO Exam Pattern – Prelims and Mains Overview

LIC ADO recruitment runs in 3 stages: Prelims, Mains, and Interview. The Open Market category appears in both Prelims and Mains. Employee and Agent categories appear only in Mains.

Stage	Questions	Marks	Duration	Negative Marking
Prelims (Open Market only)	100 MCQs	100 marks	60 minutes	No negative marking
Mains (All categories)	150 MCQs	150 marks	120 minutes	No negative marking
Interview	Personal Interview	40 marks	As scheduled	Not applicable

Final merit list is based on Mains marks plus Interview marks only. Prelims marks are not counted in the final ranking.

LIC ADO Prelims Exam Pattern – Section-Wise Marks

LIC ADO Prelims has 3 sections with separate sectional timings. Each section runs for exactly 20 minutes.

Section	Questions	Marks	Time	Counted for Ranking
Reasoning Ability	35	35	20 minutes	Yes
Numerical Ability	35	35	20 minutes	Yes
English Language	30	30	20 minutes	No – qualifying only
Total	100	100	60 minutes	70 marks counted

Important: English Language marks are not counted for Prelims ranking. Candidates shortlisted for Mains equal 20 times the number of vacancies per category.

LIC ADO Mains Exam Pattern – Section-Wise Marks

LIC ADO Mains is a composite 2-hour paper with no sectional timing. Marks from Mains are used for final shortlisting for Interview.

Section	Questions	Marks
Reasoning Ability	30	30
Numerical Ability	30	30
General Knowledge and Current Affairs	30	30
Insurance and Financial Market Awareness	60	60
Total	150	150

Note: Insurance and Financial Market Awareness carries 60 out of 150 marks in Mains – the single highest-weighted section in the entire LIC ADO exam.

LIC ADO Mock Test – Subject-Wise Syllabus Topics

Every LIC ADO mock test question on SarkariExam Center maps to the official LIC syllabus for both Prelims and Mains.

Reasoning Ability (Prelims and Mains)

• Logical reasoning – syllogisms and statements
• Blood relations and direction sense
• Coding-decoding and alphanumeric series
• Seating arrangement – linear and circular
• Puzzles – floor-based, box-based, and day-week based
• Inequality and data sufficiency
• Input-output machine problems

Numerical Ability (Prelims and Mains)

• Number system – HCF, LCM, and simplification
• Percentage, profit and loss
• Simple and compound interest
• Time, speed, and distance
• Data interpretation – bar graphs, pie charts, and tables
• Quadratic equations and number series
• Ratio, proportion, and average

English Language (Prelims – Qualifying)

• Reading comprehension passages
• Error spotting and sentence correction
• Cloze test and fill in the blanks
• Para jumbles and sentence rearrangement
• Vocabulary – synonyms, antonyms, and word usage

General Knowledge and Current Affairs (Mains)

• National and international current events
• Indian economy, banking sector, and financial institutions
• Government schemes – like Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana
• RBI policies, monetary policy, and repo rate
• Awards, appointments, summits, and sports events

Insurance and Financial Market Awareness (Mains – 60 Marks)

• History of LIC – established in 1956 under the Life Insurance Corporation Act
• Types of insurance – life insurance, general insurance, and health insurance
• Insurance terms – premium, sum assured, maturity, surrender value, and bonus
• LIC products – like Jeevan Anand, Jeevan Labh, Tech Term, and New Jeevan Amar
• IRDAI – Insurance Regulatory and Development Authority of India, functions and role
• Insurance Ombudsman – purpose and complaint resolution
• Bancassurance – tie-up between banks and insurance companies
• ULIP – Unit Linked Insurance Plans and their components
• Insurance schemes – like PMFBY, PMJJBY, PMSBY, ESIC, and CGHS
• Private and public sector insurance companies in India
• Reinsurance concepts and coinsurance
• Financial Stability and Development Council (FSDC)
• IRDA regulations on agent licensing and policy surrender norms
• Glossary of insurance terms – like insurable interest, indemnity, and subrogation

LIC ADO Selection Process – 3 Stages

1. Prelims (Open Market only): 100 MCQs, qualifying stage, shortlists candidates for Mains at 20x vacancy ratio
2. Mains (All 3 categories): 150 MCQs, 150 marks, composite 2-hour paper with Insurance Awareness as the highest-weight section
3. Interview: 40 marks, personal interview round – final merit = Mains marks plus Interview marks

Recruitment Categories Explained

• Open Market Category: Appears in Prelims then Mains then Interview
• Employee Category: LIC employees who apply internally – appear directly in Mains then Interview
• Agent Category: Licensed LIC agents with active agency – appear directly in Mains then Interview

Eligibility – Minimum Requirements

• Education: Graduate degree in any discipline from a recognised university
• Age: 21 to 30 years for Open Market category
• Age relaxation applies to SC, ST, OBC, and PwD candidates per government norms
• For Employee Category: minimum 3 years of continuous service under LIC
• For Agent Category: active LIC agency with minimum prescribed premium collection record

How to Attempt LIC ADO Mock Test on SarkariExam Center

1. Click the Start button on this page – no sign-up required.
2. Select Prelims or Mains based on your preparation stage.
3. Attempt questions within the sectional timer for Prelims or composite timer for Mains.
4. Do not skip English in Prelims – it is qualifying and must be cleared to proceed.
5. Submit and view your score instantly with section-wise breakdown and correct answers.

Why Insurance Awareness Is the Key Section in LIC ADO Mains Mock Test

• Insurance and Financial Market Awareness carries 60 out of 150 marks in Mains
• This section alone can decide rank position in a closely scored merit list
• Topics like IRDAI regulations, LIC products, and bancassurance repeat across years
• Candidates with strong Insurance Awareness scores clear the LIC ADO merit list even with average Reasoning or Numerical scores
• Practice at least 20 LIC ADO Mains mock tests with full Insurance Awareness focus before the exam date

LIC ADO Mock Test – Frequently Asked Questions