LIC Assistant study guide
LIC Assistant · Work through your exam, one topic at a time.
The LIC Assistant recruitment is a clerical-cadre hiring process run by Life Insurance Corporation of India, the country's largest life insurer, whose corporate office is at 'Yogakshema', Jeevan Bima Marg, Mumbai, and which is registered with IRDAI under registration number 512. The role suits graduates who want a stable insurance-sector career in branch operations, policy servicing and customer-facing work rather than a marketing or agency role. The LIC Assistant study guide has 7 sections and about 2,557 words.
01Insurance and Life Insurance Fundamentals
This domain checks whether you can define risk, explain how a life insurance contract is formed, and use the vocabulary that appears on LIC proposal forms, circulars and claim letters. Questions are usually one-liners on principles, insurable interest, premium structure and the governing statutes.
416 words, about 2 min02LIC Products, Plans and Riders
Product knowledge is the highest-yield area for the LIC Assistant paper: plan numbers, what each plan pays and when, eligibility conditions, and which rider attaches to which plan. Term - pure risk cover with no maturity benefit.
404 words, about 2 min03Customer Service
Service questions test the journey from proposal to policy and the deadlines attached to each step - free look, grace period, grievance escalation and the conduct rules an agent must follow. Proposal stage - the agent must explain the plan, fill the proposal in the proposer's presence and collect KYC documents under the PMLA/AML rules.
369 words, about 2 min04Claims and Policy Servicing
Claims and servicing questions cover what is payable, when, and on what proof - death claims, maturity and survival benefits, plus alterations such as loan, surrender, revival, nomination and assignment. Death claim documents - claim form, original policy, death certificate, nominee's KYC and bank details; for accidental death, the police report and post-mortem report.
388 words, about 2 min05Quantitative Aptitude
Numerical ability carries 35 questions in the prelims: simplification, number series, percentage, ratio, average, interest, time-work, speed-distance, mensuration, probability and data interpretation. Speed matters more than depth.
320 words, about 2 min06Reasoning
Reasoning carries 35 marks in the prelims and mixes puzzles and seating arrangements with syllogism, coding-decoding, blood relations, direction sense, inequality, alphanumeric series and data sufficiency. Puzzles and seating - draw the arrangement; fix certain facts first, keep two or three possible frames when a clue is ambiguous, and eliminate frames as clues confirm.
330 words, about 2 min07English Language
The English section (30 questions in the prelims) tests reading comprehension, cloze test, error spotting, sentence improvement, para jumbles, fillers, synonyms and antonyms. The paper rewards grammar accuracy and quick reading, not vocabulary depth.
330 words, about 2 min