LIC ADO Salary 2022: Structure, Gross, In-hand Salary
  • Written By Abhishek_verma
  • Last Modified 07-09-2022
  • Written By Abhishek_verma
  • Last Modified 07-09-2022

LIC ADO Salary 2022: PayScale, Increments & Job Profile

LIC ADO Salary 2022: The Life Insurance Corporation (LIC) is one of the largest insurance companies in India. Getting a job as ADO is even more prestigious because of the lucrative pay scale and job growth. Along with its salary, the additional perks and benefits are the ones which attract lakhs of aspirants to appear for the LIC ADO exam.

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Candidates preparing to appear for the exam must have knowledge of the LIC ADO salary structure. The Basic Pay of LIC ADO is Rs. 21,865 per month, along with lucrative allowances and other benefits. The LIC is yet to release the official notification for the LIC ADO 2022 exam. However, candidates can check the LIC ADO job growth, salary, and increments before applying for the exam because it will motivate them to prepare for the exam well. Read on to know more about LIC ADO salary 2022.

LIC ADO Salary, Allowances, Other Benefits & Job Profile

Before getting into the details of LIC ADO salary, let’s have an overview of the LIC ADO 2022:

Name of the ExamLIC ADO
Exam Conducting AuthorityLife Insurance Corporation of India (LIC)
Name of the PostApprentice Development Officers (ADO)
VacanciesTo be Announced
Job TypeCentral Govt. Job
Mode of ApplicationOnline
Mode of ExaminationOnline – CBT
Selection Stages3 Stages (Prelims, Mains, and Interview)

LIC ADO Salary: LIC ADO Pay Scale

The LIC ADO payscale is as follows:


This means, on being appointed as an Apprentice Development Officer, the Basic Pay will be ₹ 21,865/- per month (except for Employee Category Candidates).

There will be an annual increment of ₹ 1340/- for the next two years. At the end of two years candidates, the Basic Pay will be ₹ 24545/-.

After this, there will be an annual increment of ₹ 1580/- for the next two years. The Basic Pay will be ₹ 27705/- at the end of two years.

Then there will be an annual increment of ₹ 1610/- for the next 17 years. At the end of 17 years, the Basic Pay will be ₹ 55075/-.

In addition to the Basic Pay, the LIC ADO salary will also include various allowances and other benefits.

Considering the initial payscale and after combining all the allowances, the LIC ADO will be paid ₹37,345/- per month in ‘A’ Class City (LIC ADO Salary – approximate amount).

LIC ADO Salary: Allowances 

The various allowances for LIC ADO are as follows:

  • Dearness Allowances (DA)
  • House Rent Allowances (HRA)
  • City Compensatory Allowances (depends on the classification of the city) (CCA)

Check the details below:

Dearness Allowances (DA)The DA is revised quarterly based on the Consumer Price Index. This component of LIC AAO salary forms around 40% of the Basic Pay. Since CPI depends upon inflation rates, the DA can increase or decrease based on that.
House Rent Allowances (HRA)The HRA depends upon the job location. Based on whether the LIC AAOs are posted in metropolitan cities, big cities or other locations, the HRA can be 9%, 8% or 7% of the LIC AAO Basic Pay.
City Compensatory AllowancesThis too depends upon the job location and can be 4%, 3% or 0% of the LIC AAO Basic Pay.

**Steps to Take Free LIC ADO Prelims Mock Test

Access the unlimited free LIC ADO Prelims mock test from Embibe and boost your confidence to face the examination. Candidates can follow the below-mentioned steps to take the free mock test series:

  • 1st Step: Visit Embibe’s official website, i.e.,
  • 2nd Step: Use your mobile number/email to log in.
  • 3rd Step: Select your Goal as ‘Insurance’ under the Government Job section.
  • 4th Step: Click Next and select your exam as ‘LIC ADO Prelims’.
  • 5th Step: Click Next and select your preferred language between ‘English’ and ‘Hindi’.
  • 6th Step: Once done, click on the mock test links to take the TEST.

LIC ADO Salary: Other Benefits

Apart from the above-mentioned allowances, LIC ADO will also be eligible for other benefits, which are as follows:

  • Gratuity
  • Defined Contributory Pension Scheme
  • LTC
  • Medical Benefit
  • Group Insurance
  • Group Personal Accident Insurance
  • Vehicle Advance (2-wheeler/4-wheeler)
  • Reimbursement Towards the Cost of Brief Case/leather bag
  • Mobile Handset
  • Supply of Dailies as per Rules and on Confirmation in Service
  • Attractive Performance Linked Incentives.

LIC ADO Salary: Stipend & Probation Remuneration

The candidates will be in two basic periods namely,

i) Apprentice Period and ii) Probation Period

Apprentice Period: Candidates will be paid a fixed amount as a stipend during the Apprentice Period. The candidate selected as an Apprentice Development Officer shall be paid equal to the Basic Pay and the Dearness Allowance on the pay scale applicable to Development Officers as on the apprenticeship’s commencement date.

The total fixed amount paid during the Apprentice Period, i.e. the stipend is  ₹ 34,503/- per month.

Probation Period: After the completion of the Apprentice Period, candidates will have to go through a probation period of 1 year which the officials can also extend. The pay scale during the Probation Period is as follows:

21865-1340(2)-24545-1580(2)-27705-1610(17)- 55075 and other admissible allowances as per the rules.

Combining the Basic Pay and all the allowances, candidates will be paid a total amount of  ₹37,345/- in ‘A’ Class City.

LIC ADO Salary: LIC ADO Job Profile

LIC ADO is primarily a sales supervision job. The major task involves training the appointed LIC agents properly and help the recruited agents to sell life insurance to a maximum number of people.

Apprentice Period: During the Apprentice Period, Apprentice Development Officer will have to undergo Theoretical & Field Sales Training. The Apprentice Period will begin from the date of commencement of training.

Probation Period: The Apprentice Period will be followed by the Probation Period of one year or more. During this period, the job responsibilities will be the same as that of the appointed ADO.

LIC ADO Career Growth

There is a huge opportunity for career growth for candidates joining as an Apprentice Development Officer. Once the candidate is appointed as ADO, there is a possibility for candidates to be promoted to the position of Regional Manager. Check the career growth hierarchy below:

  • 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

FAQs on LIC ADO Salary 2022

Check some of the most frequently asked questions about LIC ADO salary 2022.

Q.1: When will the LIC ADO 2022 exam official notification be released?

Ans: The conducting is yet to release the LIC ADO 2022 notification.

Q.2: When will the LIC ADO 2022 exam be conducted?

Ans: The LIC has not announced the LIC ADO 2022 date yet.

Q.3: What is the starting salary for LIC ADO employees?

Ans: The starting basic salary of a LIC ADO employee is Rs. 21,865 per month.

Q.4: What are some of the benefits that LIC ADO employees receive?

Ans: Some of the benefits that a LIC ADO employee receives are medical insurance, group insurance, LTC, gratuity, defined contributory pension scheme and many more. Candidates can find the details list of benefits in this article.

Q.5: What are the allowances that a LIC ADO employee gets?

Ans: A LIC ADO employee gets HRA, DA, and CCA as part of their allowance.

We hope this article on LIC ADO Salary helps you. If you have any questions feel free to contact us and we will get back to you at the earliest.

Stay tuned to for more updates on LIC ADO Salary 2022.

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