Administrative Officers at the Life Insurance Corporation of India. As per the expected schedule, the LIC AAO Interview 2026 is likely to be held in February 2026. Candidates shortlisted from the Main Examination will be called for a personal interview, where the panel evaluates not just subject knowledge, but also attitude, clarity of thought, decision-making ability, and suitability for a leadership role in India’s largest life insurance corporation.
LIC AAO Interview 2026
The interview is designed to assess whether a candidate can handle the administrative responsibility, public dealing, insurance operations, and policy-level thinking expected from an AAO at LIC. The interview carries a maximum of 60 marks, and candidates must secure the prescribed minimum qualifying marks to remain eligible for final selection.
- The number of candidates called for the interview will be approximately three times the number of vacancies, based on category-wise merit in the Main Examination.
- Final selection will be determined by the aggregate marks of the main examination and interview.
- Outstation candidates appearing for the interview are eligible for reimbursement of second-class ordinary railway/bus fare.
What type of questions are asked in the LIC AAO Interview 2026?
The LIC AAO Interview 2026 is designed to assess whether a candidate understands LIC’s role as a public sector life insurer and possesses the administrative, managerial, and ethical mindset required for an Assistant Administrative Officer. The interview evaluates both technical knowledge and personality traits such as decision-making ability, leadership potential, and customer orientation.
- Personal background and motivation
- Knowledge of LIC and the insurance sector
- Life insurance and general insurance fundamentals
- Finance, economics, and regulatory awareness
- Administrative, managerial, and leadership thinking
- Situational judgement and ethical reasoning
- Marketing, sales supervision, and customer handling
What personal and introductory questions are asked in the LIC AAO interview?
These questions help the interview panel evaluate a candidate’s communication skills, confidence, clarity of thought, and overall personality. Answers should be honest, structured, and aligned with the responsibilities of an AAO.
- Please introduce yourself.
- Tell us about your educational background.
- Why do you want to join LIC as an Assistant Administrative Officer?
- Why should LIC consider hiring you?
- Why LIC over private insurance companies or corporate jobs?
- What motivates you to pursue a career in insurance?
- What are your short-term and long-term career goals?
- Where do you see yourself five years from now?
- What are your strengths relevant to this role?
- What is your biggest weakness, and how are you addressing it?
- Can you work effectively under pressure and deadlines?
- Are you willing to relocate or travel as per job requirements?
- How do you handle criticism or failure?
- What motivates you to give your best at work?
- What are your interests or hobbies outside academics or work?
- According to you, what is more important—work satisfaction or money?
What questions are asked about LIC in the AAO interview?
A strong understanding of LIC’s history, objectives, structure, and public role is a core expectation in the AAO interview. Candidates are expected to connect LIC’s mission with their own career choice.
- What is LIC, and when did it come into existence?
- Under which act was LIC formed?
- Where is the corporate office of LIC located?
- What are the primary objectives of LIC?
- What role does LIC play in India’s financial system?
- How does LIC contribute to social security and financial inclusion?
- How is LIC different from private life insurance companies?
- What are the major subsidiaries or investments of LIC?
- What destinations or services does LIC offer nationally and internationally?
- What is LIC’s contribution to India’s economy and capital markets?
- Why do you specifically want to work for LIC?
- What challenges does LIC face in the current insurance market?
What insurance fundamentals questions are asked in the LIC AAO interview?
Conceptual clarity in insurance principles is essential for an AAO, as the role involves underwriting oversight, policy administration, and claims supervision.
- What is insurance, and why is it required?
- Who is an insurer, and who is an insured?
- Who is a policyholder?
- Who is a beneficiary or nominee?
- What are the basic principles of insurance?
- What is indemnity in insurance?
- What is underwriting, and why is it important?
- What is a premium?
- What is risk pooling?
- What is moral hazard?
- What is adverse selection?
- What is insurable interest?
- What is a contract in insurance terms?
What life insurance–specific questions are commonly asked?
Life insurance forms the core business of LIC, and candidates must clearly understand policy types, values, and customer implications.
- What is life insurance?
- What is term life insurance?
- What is an endowment policy?
- What is a whole life policy?
- What is a participating policy?
- What is a non-participating policy?
- What is an annuity in insurance?
- What is surrender value?
- What is paid-up value?
- What does cash value mean in a life insurance policy?
- What is the contestable period?
- What happens if a policyholder fails to pay premiums?
- Is it advisable to replace an existing policy with a new one?
- What is the free look period, and can a full refund be claimed?
- Can premium payment be limited to a shorter duration than the policy term?
What questions are asked on claims and policy servicing?
Claims settlement is a critical trust-building function of LIC, and AAOs are expected to understand procedures and ethical handling.
- What is the process of claiming a life insurance policy?
- What documents are required for claim settlement?
- What is an early death claim?
- What happens during a claim investigation?
- Can a nominee claim a policy if the insured is missing for several years?
- What is a revocable beneficiary?
- What is an irrevocable beneficiary?
- What is a loss payee?
- What is subrogation in insurance?
What general insurance and risk concept questions are asked?
Although LIC primarily deals with life insurance, basic awareness of general insurance and risk concepts is often tested.
- What is general insurance?
- What is third-party insurance?
- What is personal accident cover?
- What is group life insurance?
- What is co-insurance?
- What is a deductible?
- What is a no-claim bonus?
- What is gap insurance?
- What is PLPD insurance?
- Difference between single-limit and split-liability coverage
- Difference between all-perils and specified-perils coverage
- What is a schedule of loss in home insurance?
What finance, economy, and regulatory questions are asked?
The panel expects AAO candidates to have practical awareness of economic trends and insurance regulation.
- What is IRDAI, and what are its functions?
- What are the objectives and obligations of IRDAI?
- What is the current FDI limit in the insurance sector?
- What are current tax exemptions related to insurance policies?
- What is inflation, and how does it affect insurance?
- Why does the Indian rupee depreciate?
- What could cause a fall in stock markets and bourses?
- What factors affect India’s economic growth?
- What are quasi-sovereign bonds?
- Difference between savings and investment
What marketing, sales, and customer orientation questions are asked?
AAOs often supervise sales channels and field staff, making customer orientation and marketing awareness important.
- Difference between marketing and sales
- What is the role of an insurance agent?
- What are the responsibilities of an assistant administrative officer?
- What is the role of a salesperson in insurance?
- How can social media be used effectively for insurance marketing?
- What is the relationship between e-commerce and social media?
- How do you convince a hesitant or skeptical customer?
- How would you handle customer complaints?
- Why is customer service crucial in insurance?
What situational and behavioral questions are asked in the LIC AAO interview?
These questions test judgement, ethics, leadership ability, and suitability for a responsible public sector role.
- How would you handle disagreement with a senior officer?
- What would you do if procedures delay customer service?
- How do you balance business targets with ethical practices?
- Describe the toughest decision you have made so far.
- How do you prioritize tasks under pressure?
- Would you prefer to lead or follow, and why?
- Describe your management style.
- What does integrity mean to you as a public servant?
- How would you compensate for a lack of experience?
- Why do you believe you will succeed in this role?
How should candidates prepare for the LIC AAO Interview 2026?
Preparation for the LIC AAO interview is not limited to memorizing answers; it involves self-reflection, clarity of purpose, and confident presentation. Candidates must align their background, values, and knowledge with LIC’s public sector mandate.
Key preparation tips:
- Study LIC’s role, history, objectives, and products thoroughly
- Revise life insurance and basic general insurance concepts
- Prepare honest and structured answers to HR questions
- Link your education and experience with the AAO role
- Stay updated on basic economic and insurance-related news
- Practice mock interviews to improve articulation and confidence
- Maintain calm body language, professionalism, and clarity
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