LIC AAO Syllabus 2026: Prelims and Mains Topics

The LIC AAO syllabus covers reasoning, quantitative aptitude and English in the prelims, and reasoning, data analysis, general awareness and insurance awareness in the mains. Life Insurance Corporation of India names these tests in its notification but does not publish a topic-wise syllabus. The topic lists below are built from the official pattern and from questions asked in previous papers. Use them as a working checklist, not as an official list.

This page follows the pattern of the 2025 recruitment, the latest cycle we could verify, and we could not confirm a new notification for the next cycle. It shows what to study for each stage, which topics overlap between prelims and mains, and a phase-wise plan to cover everything in order.

Table of Contents

• LIC AAO syllabus at a glance

• Key changes to know

• Prelims syllabus

• Mains syllabus (Generalist)

• Professional knowledge for Specialist posts

• Overlap between prelims and mains

• Interview

• How to cover the syllabus

LIC AAO Syllabus at a Glance

The LIC AAO exam pattern page explains marking, qualifying rules and final merit.

Key Changes to Know

• Prelims is qualifying: Its marks are not added to the final merit, so the prelims syllabus only needs to be strong enough to clear sectional minimums.

• Professional Knowledge is for Specialist posts: Some pages list it in the Generalist mains. For the Generalist stream, the mains tests are reasoning, general awareness, data analysis and insurance awareness.

• Descriptive paper is typed: Practise writing on a keyboard, because it is a computer-based test.

• No negative marking reported: The 2025 notification was reported as having none, but confirm this when the next notification is released.

Older pages may still show previous patterns and topic lists, so follow the official notification.

Prelims Syllabus

Reasoning and quant carry 70 of the 100 prelims marks, and puzzles and simplification usually give the quickest marks. English has a lower sectional minimum but still needs steady practice, because a miss here can end your attempt even with strong scores elsewhere.

Mains Syllabus (Generalist)

Reasoning Ability

This section is worth 90 marks. Expect multi-step puzzles and seating arrangements, input-output, critical reasoning, word formation and coding. Reports on the 2025 mains describe three sets of puzzles as the bulk of the section.

• Puzzles and arrangements: Box-based, floor-based, month-based and designation puzzles.

• Verbal reasoning: Syllogism, statement-argument-conclusion and critical reasoning.

• Others: Input-output, coding, direction sense and ranking.

Data Analysis and Interpretation

This section is also worth 90 marks. It tests speed with calculation as much as understanding of charts.

• Data interpretation: Tables, bar graphs, line graphs, pie charts, caselets and mixed charts.

• Arithmetic and approximation: Percentages, ratios, averages, profit and loss and quantity comparison.

General Knowledge and Current Affairs

• Current affairs: National and international events, awards, appointments, summits, government schemes, new laws and policies, sports, books and authors, and science and technology news.

• Static GK: Indian Constitution, geography, national parks and organisations, important days, committees and reports.

Insurance and Financial Market Awareness

The topic list is not published, so build it around the subject itself.

• Insurance basics: Principles such as utmost good faith, indemnity and insurable interest, plus no-claim bonus, bancassurance, solvency ratio and types of life and general insurance.

• Regulation and history: IRDAI, key insurance laws, and the history of insurance and banking in India, including nationalisation.

• Banking and markets: RBI, SEBI, money market and capital market instruments, derivatives, financial inclusion and current banking and insurance news.

English Descriptive Paper

This paper has two questions in 30 minutes, 25 marks in total, and is qualifying in nature. Earlier papers reported letters, emails, reports and precis writing. Practise formal letters to insurers or officials, short reports, situation-based notes and summaries of a passage.

Professional Knowledge for Specialist Posts

Candidates for the Specialist and AE posts face a professional knowledge test in the mains, in place of the Generalist data analysis section. The reported 2025 Specialist pattern differs from the Generalist one, so confirm the details in the notification for your post.

Overlap Between Prelims and Mains

Interview

There is no syllabus for the interview. Candidates who clear the mains are called for a personal interview that tests general awareness, insurance and financial knowledge, communication and suitability for an officer role. Prepare your own profile, your degree subjects, current affairs and basic insurance concepts.

How to Cover the Syllabus

1. Weeks 1 to 8: Learn concepts in reasoning, quant and English, and build a daily reading habit.

2. From week 3: Add current affairs for 30 to 40 minutes a day and keep monthly notes.

3. From week 6: Add insurance and financial awareness, and start topic tests and 20-minute sectional tests.

4. From week 10: Add data interpretation sets and typed descriptive writing practice.

5. Final phase: Take full-length mocks, analyse them the same day and revise your error log.