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AAO (Specialist)


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1. Preliminary Exam Syllabus (Qualifying)

Reasoning Ability

  • Syllogism

  • Coding–Decoding

  • Inequalities (Direct & Coded)

  • Blood Relations

  • Direction Sense Test

  • Seating Arrangement (Linear, Circular, Square, Puzzle-based)

  • Puzzles (Box, Floor, Month-Day, Scheduling, etc.)

  • Input-Output

  • Logical Reasoning (Cause-Effect, Statement-Conclusion, Assumptions, Argument)

Quantitative Aptitude

  • Number Series (Missing/Wrong)

  • Simplification & Approximation

  • Quadratic Equations

  • Data Interpretation (Bar Graph, Line Graph, Pie Chart, Tabular, Caselets)

  • Data Sufficiency

  • Arithmetic Word Problems (Profit & Loss, SI/CI, Time & Work, Time-Speed-Distance, Mixture & Allegation, Ratio & Proportion, Partnership, Boats & Streams, Mensuration, Probability, Permutation & Combination)

English Language (Qualifying only)

  • Reading Comprehension (Passages based on insurance, economy, current topics)

  • Cloze Test

  • Fill in the Blanks (Vocabulary/Grammar-based)

  • Sentence Rearrangement/Para Jumbles

  • Error Spotting

  • Sentence Improvement

  • Vocabulary (Synonyms, Antonyms, Word Usage)

2. Main Examination Syllabus

Reasoning Ability

  • Same as prelims but at a higher difficulty level with more puzzle-based questions.

  • Additional topics: Critical Reasoning, Decision Making, Course of Action.

General Knowledge & Current Affairs

  • National & International Affairs

  • Government Schemes & Policies

  • Important Days, Books & Authors

  • Awards & Honours

  • Sports & Summits

  • Science & Technology Developments

  • Financial Awareness: Banking, Economy, Insurance Sector Updates

  • Static GK (Capitals, Currency, Headquarters of Organizations, Important Institutions)

Professional Knowledge (Specialist-specific)

???? This section is different for each stream:

a) AAO (IT)

  • Database Management System (DBMS)

  • Networking & Security

  • Data Structures & Algorithms

  • Operating Systems

  • Software Engineering

  • Web Technologies

  • Programming Languages (C, C++, Java basics, Python basics)

  • Cloud Computing, Big Data, Cyber Security

b) AAO (Chartered Accountant)

  • Accounting Standards (Ind AS, IFRS basics)

  • Auditing & Assurance

  • Taxation (Direct & Indirect)

  • Corporate Accounting

  • Financial Reporting

  • Cost & Management Accounting

  • Company Law & Corporate Governance

  • Financial Management (Ratios, Capital Budgeting, Valuation)

c) AAO (Actuarial)

  • Probability & Statistics

  • Financial Mathematics

  • Actuarial Mathematics

  • Life Insurance Product Principles

  • Risk Models & Survival Models

  • Probability Distributions (Normal, Poisson, Binomial, etc.)

  • Basics of Actuarial Valuations

  • Pension & Annuities Concepts

d) AAO (Legal)

  • Indian Contract Act, 1872

  • Law of Torts

  • Arbitration & Conciliation Act, 1996

  • CPC (Civil Procedure Code), CrPC (Criminal Procedure Code)

  • Constitutional Law (Fundamental Rights, Directive Principles, Writs)

  • Indian Penal Code (IPC) basics

  • Companies Act, 2013

  • Insurance Laws & Regulations

  • Consumer Protection Act

  • Right to Information Act

e) AAO (Rajbhasha / Hindi)

  • Hindi & English Grammar and Vocabulary

  • Official Language Act, 1963

  • Constitutional Provisions relating to Official Language

  • Translation (English ↔ Hindi)

  • Hindi Literature (basic knowledge of major authors/poets)

  • Administrative Terminology in Hindi

Insurance & Financial Market Awareness

  • History of LIC & Insurance Industry in India

  • IRDAI – Functions, Powers, Regulations

  • Insurance Products (Life, Health, General)

  • Terminologies: Premium, Annuity, Reinsurance, Bancassurance

  • Current Developments in Insurance Sector

  • Capital Markets – Stock Exchange, SEBI, Mutual Funds

  • Indian Economy – Budget, Monetary Policy, Inflation, Fiscal Deficit

  • Banking Awareness – RBI Functions, Monetary Tools, NPAs, Basel Norms

Descriptive Test (English – Qualifying)

  • Letter Writing (Formal/Informal, Insurance-related, Customer complaint, Job application, etc.)

  • Essay Writing (Topics on Economy, Social Issues, Insurance sector, Technology, Current Affairs)

3. Interview

  • Based on:

    • Banking & Insurance Awareness

    • Current Affairs

    • LIC’s Role in Insurance & Economy

    • Subject-Specific Knowledge (depending on Specialist stream)

    • Personality & Communication Skills

✅ In short:

  • Prelims → Reasoning, Quant, English (qualifying)

  • Mains → Reasoning, GK, Professional Knowledge, Insurance Awareness, Descriptive English

  • Professional Knowledge = Most Important (stream-specific questions form the backbone of the exam).