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ADO (Market Category)


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For the Marketing Category, the focus is on candidates with prior experience in insurance/marketing.

Post Details

  • Post Name: Apprentice Development Officer (ADO)

  • Category: Marketing Category (open for candidates with marketing/insurance sales experience)

  • Employer: LIC of India

    Job Role & Responsibilities

    • Recruit and train LIC agents.

    • Drive insurance sales through agents.

    • Achieve targets for premium collection and policy issuance.

    • Motivate and monitor agent network.

    • Work primarily in the marketing & field sales domain.

    Salary & Benefits

    • Stipend during apprenticeship.

    • On successful completion → absorbed as Probationary Development Officer.

    • Basic Pay: ₹35,650/month + allowances (approx starting CTC ₹5–6 LPA).

    • Incentives linked to sales performance.

    • Career growth to Development Officer → Assistant Divisional Manager → Divisional Manager → Zonal Manager.

    ✅ In short:
    The LIC ADO (Marketing Category) exam recruits field-level marketing officers who manage agents and drive insurance business. It has Prelims (qualifying) → Mains (merit-based) → Interview → Medical stages.

    Career Path

    1. Apprentice Development Officer (ADO)

      • Training period with a stipend.

      • Learn about LIC products, sales, and agent recruitment.

    ⬇️

    1. Probationary Development Officer (DO)

      • After training, absorbed into LIC.

      • Responsible for recruiting, training, and managing LIC agents.

      • Main focus: achieving sales and premium collection targets.

    ⬇️

    1. Confirmed Development Officer

      • After successful probation.

      • Eligible for performance-based incentives and allowances.

    ⬇️

    1. Assistant Divisional Manager (ADM – Sales/Marketing)

      • Promotion based on performance, years of service, and departmental exams.

      • Supervisory role over multiple DOs.

    ⬇️

    1. Divisional Manager (DM)

      • Manages sales/marketing for an entire division.

    ⬇️

    1. Senior Divisional Manager (SDM)

      • Oversees business growth of a larger division, with multiple branches under control.

    ⬇️

    1. Zonal Manager (ZM)

      • Heads operations of an entire zone (several states).

    ⬇️

    1. Executive Director (ED)

      • Senior leadership at the corporate level.

    ⬇️

    1. Managing Director (MD) & Chairperson

      • Top-most positions in LIC.

    Growth Factors

    • Performance-Oriented Role: Unlike AAO, promotions for ADO/DO are heavily linked to sales achievements and agent performance.

    • Fast-track Promotions: High-performing Development Officers (who exceed targets consistently) can get quicker promotions.

    • Incentives: Apart from basic pay, sales-linked incentives can significantly increase earnings.

    Career Advantages

    • Opportunity to move from field-level marketing to senior leadership.

    • Attractive incentives & allowances compared to other LIC roles.

    • Wide networking opportunities with agents and customers.

    • Stability + growth: Being a govt. insurance company, career is secure with pension and retirement benefits.

    ✅ In short:
    An LIC ADO (Marketing Category) starts as a field-level officer but can rise to Divisional/Zonal Manager and even Executive Director or MD/Chairperson with strong performance. Growth is performance-driven, with high earning potential due to incentives.