LIC AAO vs LIC ADO – Job, Salary, Career Comparison

LIC AAO vs LIC ADO – Job, Salary, Career Comparison

Having a job in the insurance company is definitely an asset.  There are great numbers of jobs in insurance sector for which many aspirants apply every year.  The Life Insurance Corporation of India conducts various competitive exams to recruit merit and talented candidates for various posts.  There are two most popular posts in LIC for which most of the aspirants apply and they are AAO and ADO.  If you are looking for a job in LIC and want to know which position is better for you, then here are some details for you.  We have come up with the job comparison between LIC AAO and LIC ADO posts on various factors like salary, description, career growth, perks, benefits, and work environment.

LIC AAO Vs LIC ADO

AAO Job Profile

Assistant Administrative Officer (AAO), as the name suggest will carry out administrative works in the insurance company.  LIC AAO works under a department head or administrative officer in the administrative department.  The job profile of AAO includes:

• Managing and filling claims and settlements.
• Interacting with specific clients.
• Inspecting existing policies for errors or misleading fact.
• Devising new schemes for the company to either replace an existing one or strengthen it.
• Coordinate with other departments in issues related claims, settlements, policy revision, guidance etc.
• Travel, if need be, to specific areas if duty calls.

ADO Job Profile

Apprentice Development Officer (ADO) will handle both marketing and sales.  Candidates will be provided with pre-emptive training where he/she will be trained in understanding the existing LIC policies and areas where sales can be obtained easily.  The duties of ADO include:

• Recruit agents for selling LIC policies to assigned area
• Providing training to the selected agents working under ADO guidance
• AOD need to analyze the overall performance of each agent and find out their marketing capabilities and shortcomings.
• Motivate the agents to acquire maximum sales in given time period.
• Assign a target quota and maintain overall integrity in sales.

ADO post involves pretty much travelling compared to AAO post as it is about managing sales.

Salary Comparison

The salary is one of the most compared aspects without competing positions.  The pay scale in insurance sector is quite good.  LIC AAO will receive a pay scale of Rs. 30, 000 to 35,000 and LIC ADO will receive a pay scale of Rs. 25, 000 to 30, 000.  When it comes to fixed pay, LIC AAO will get more compare to LIC ADO.  The incentive and bonus are high for ADO post.  The salary for LIC ADO post totally depends on the quality of the service offered in extension of the business.

The perks and benefits of LIC AAO and ADO are:

• Transport Allowance
• Dearness Allowance
• House Rent Allowance
• City Compensatory Allowance

Work Environment

Work Environment and pressure for LIC AAO

LIC AAO need to complete daily quote of paper work that involves filing and double checking documents like policies, claims, settlements, accounts etc.  Unless and until there is an audit session, AAO is a cool going position.

Work Environment and pressure for LIC ADO

An LIC ADO involves management of agents and acquiring of sales.  ADO performs administrative tasks.  The more sales and ADO brings in, the more bonuses he/she will receive.  Compared to AAO post, ADO post has got some pressure.  The job security is also less for ADO post.

Career Growth and Promotion

The career growth and promotions are not that great in Insurance sector.  It takes about 8 years to get a promotion in LIC.

LIC AAO Career Graph

• Assistant Administrative Officer (AAO)
• Administrative Officer (AO)
• Assistant Branch Manager (ABM)
• Branch Manager (BM)
• Senior Branch Manager (SBM)
• Assistant Divisional Manager (ADM)
• Divisional Manager
• Senior Divisional Manager
• Regional Manager

LIC ADO Career Graph

• Apprentice Development Officer
• Development Officer
• Assistant Branch Manager (ABM)
• Branch Manager (BM)
• Senior Branch Manager (SBM)
• Assistant Divisional Manager (ADM)
• Divisional Manager
• Senior Divisional Manager
• Regional Manager

With good effort, ADO can reach the Branch Manager level in 15 years time.

Final verdict

If you want to have comfortable, less pressured job you can go for LIC AAO.  If you are good at marketing and sales then make sure to try your hand in LIC ADO.