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ADO (Agent Category)


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1. Overview (Agent Category)

As an LIC ADO (Agent Category), you are promoted from within the network—typically a working LIC agent with qualifying experience. You skip the preliminary stages and transition directly into the main examination stage. The role focuses on recruiting, training, and managing agents to drive LIC’s sales in your region.

2. Salary & Benefits

Basic Pay & Pay Scale

  • The ADO salary structure typically follows:

    ₹21,865 – ₹1,340 (2 years) → ₹24,545 – ₹1,580 (2 years) → ₹27,705 – ₹1,610 (17 years) → ₹55,075 maximum basic pay

    • For agent-category or employee-category candidates, specifics may vary, but similar allowance structures apply.

    Approximate In-Hand Salary

    • In 'A' Class cities, in-hand monthly salary begins around ₹37,345 and can increase to ₹45,000–₹55,000+ with experience.

    • During the apprentice period, in-hand pay is approximately ₹51,500, rising to ₹56,000 after probation.

    Allowances & Perks

    • Dearness Allowance (DA): Typically around 40–50% of the basic pay, adjusted quarterly.

    • House Rent Allowance (HRA): 7–9% depending on city classification.

    • City Compensatory Allowance (CCA): 0–4% based on locality.

    • Additional Perks:

      • Defined contributory pension scheme

      • Gratuity

      • Leave Travel Concession (LTC)

      • Medical and group insurance (including accident cover)

      • Vehicle advance (two/ four-wheeler)

      • Reimbursement for briefcase, mobile, daily newspapers

      • Performance-linked incentives

    3. Job Profile (Agent Category)

    • Recruitment & Training: Hire and mentor LIC agents, guide them in meeting sales targets.

    • Agent Performance Monitoring: Conduct regular evaluations, motivate field teams.

    • Sales Administration: Oversee policy renewals, assist in marketing and client servicing.

    4. Career Growth Path

    LIC offers a well-defined promotion ladder for ADOs, with clear progression mechanisms through departmental exams and performance-driven evaluations:

    Career Hierarchy:

    Apprentice Development Officer → Probationary Development Officer → Development Officer 

    → Assistant Branch Officer → Branch Officer → Senior Branch Officer 

    → Assistant Divisional Officer → Divisional Officer → Senior Divisional Manager → Regional Manager

    • Typical Promotion Timeline: Every 4–8 years, depending on performance, vacancies, and internal exams.

    5.  Summary