LIC ADO Salary 2022: Job Profile, Detailed Salary Structure, Allowances & Career Growth of LIC ADO

LIC ADO Salary 2022: Job Profile, Detailed Salary Structure, Allowances & Career Growth of LIC ADO

ByKanika Ralhan  |  Updated on: Sep 19, 2022
Find complete details of LIC ADO Salary 2022 on this page. Also, check detailed information about the LIC ADO job profile, special allowances, salary structure, and career growth.
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LIC ADO Salary is one of the most popular searches for Assistant Development Officer. While preparing for competitive exams, a candidate's salary and job security are the two main points on the checklist. If satisfied with the salary, benefits, and perks, it brings a lot of motivation to prepare. All candidates for the job must be well acquainted with the LIC ADO work and salary.

The official notification PDF is expected to be released soon; therefore, all applicants should be well versed with all essential details, including the LIC ADO salary and other similar benefits. The insurance sector has recently been gaining popularity among government job aspirants as it provides much better and comfortable working conditions with a five-day work week and many other similar facilities for its employees. Let us look at the detailed LIC ADO job profile and salary information below.

LIC ADO Salary Structure 2022

All the candidates waiting for the recruitment notification of LIC ADO need to be fully aware of the LIC ADO salary per month that they will receive in the future, along with other perks, allowances, and benefits. Candidates need good clarity over their prospects and know where they will stand in a few more years concerning their salary, job profile, financial growth, and promotion.

The job of an LIC ADO is primarily a sales administration one and requires working in both urban and rural settings. ADOs are expected to be on the go and travel to several places for their job. It can be considered a challenging job, but it can be fairly said that the LIC ADO work and salary are justified enough.

The initial work profile is marked by the Apprentice period followed by the probation, where they are designated as the Probationary Development Officer. An Apprentice Development Officer in LIC is paid a fixed stipend during the Apprenticeship, which is increased per a set LIC ADO salary scale once they start work as Probationary Officers.

LIC ADO Apprentice Salary

During the Apprentice period, the salary of LIC ADO is paid based on a fixed amount as a monthly stipend per the Corporation's rules. An Apprentice Development Officer other than an Employee Apprentice shall be paid equal to the minimum of the basic pay and the dearness allowance on the LIC ADO salary scale applicable to Development Officers on the dates of commencement of the apprenticeship.

  • The stipend amount during the Apprentice period is about ₹ 34,503/- per month, except for candidates selected from the LIC Employees category.
  • Whereas a Probationary Development Officer at a specified Headquarter in the area will be placed on the scale of ₹ 21865-1340(2)-24545-1580(2)-27705-1610(17)-55075 plus allowances and other benefits as per rules in force.

LIC ADO Salary of Probationary Development Officer

Once the Apprentice period is completed, an LIC ADO is required to serve a probationary period of 1 year. The performance during this period is a major parameter through which a candidate’s credibility is decided. Under certain negative circumstances, such as the candidate not performing as per expectations of the organization, this probation period can be extended up to 2 years. A Probationary Development Officer is entitled to a fixed payment based on the LIC ADO salary scale as the authorities decide.

  • On appointment as a Probationary Development Officer, basic pay of ₹ 21,865/- per month (except for Employee Category candidates) on the scale of 21865- 340(2)-24545-1580(2)-27705-1610(17)-55075 and other admissible allowances as per rules shall be payable.
  • Total emoluments at the minimum of the scale, including House Rent Allowance & City Compensatory Allowance, wherever admissible depending upon the city's classification, will be approximately ₹37,345/- in ‘A’ Class City.
  • Other benefits include Gratuity, Defined Contributory Pension Scheme, Leave Travel Concession (LTC), Medical benefits, Group Insurance, Group Personal Accident Insurance, vehicle advance (2-wheeler/4-wheeler), reimbursement towards the cost of Brief Case/leather bag, mobile handset, the supply of dailies as per rules and on confirmation in service, attractive performance linked Incentives.

LIC ADO Salary 2022: Special Allowances

The LIC ADO salary per month can be bifurcated into a few parts: basic pay, other allowances, benefits, and other similar facilities. Total emoluments at the minimum of the scale, including House Rent Allowance & City Compensatory Allowance, wherever admissible depending upon the city's classification, will be approximately ₹37,345/- in ‘A’ Class City.

Apart from these, a LIC ADO is also entitled to several other benefits as follows:

  • Gratuity
  • Defined Contributory Pension Scheme
  • LTC, Medical Benefits
  • 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 Job Profile

LIC ADO job profile can be considered a dynamic one as it includes a variety of tasks to be performed. The work of an ADO is mainly a sales administration job. The candidate selected as an Assistant Development Officer will be obligated to appoint some people as Life Insurance Agents and provide them with proper training to sell life insurance to the maximum number of persons.

ADOs are supposed to deliver after-sales services to their policyholders. To provide such service, ADOs must travel to places other than the area/s allotted to them. An ADO in LIC is expected to work in urban and rural areas both. Looking at the dynamic nature of the job, we can say the salary of LIC ADO is justified enough.

Roles and Responsibilities of LIC ADO

During LIC ADO's training period, the person has to understand the current LIC policies and areas where they can get sales easily. After the completion of training, the ADO will be assigned a set of tasks and duties. ADOs have to manage all the recruited agents & the acquisition of sales.

The increment or bonus to be added to the LIC ADO salary depends on the sales and business they cater to. Read about the other major tasks and responsibilities they are required to perform:

  • Employ agents for selling or marketing LIC policies to the allocated area
  • Providing training to the recruited agents
  • Analyzing the overall performance of each agent
  • Finding out agents' marketing capabilities and shortcomings.
  • Motivating agents to procure maximum sales in a given period.
  • Assigning a target quota to agents
  • Maintaining overall integrity in sales

LIC ADO Apprenticeship Period

An Apprentice Development Officer will have to undergo Theoretical & Field Sales Training. The period of apprenticeship shall commence from the date of commencement of the training.

LIC ADO Probation Period

An Apprentice Development Officer, who completes the apprenticeship and, in the opinion of the Recruiting Authority, is otherwise suitable for appointment to the service of the Corporation may be appointed as a Development Officer and placed on probation. The probation period shall be for one year, which may be extended to two years.

LIC ADO Job Profile and Career Growth

The LIC ADO job profile is extremely challenging and dynamic. An Assistant Development Officer is expected to perform numerous duties and responsibilities; if performed per expectations, they can be rewarded well with several perks and benefits. A newly selected candidate for the position of ADO starts with the Apprenticeship period followed by a Probation period of 1- 2 years. The salary of LIC ADO is fixed & certain throughout this period.

Once appointed permanently after completing the probationary period, LIC offers various growth opportunities in the LIC ADO job profile. One can efficiently move up the ladder of growth through various promotion stages as given below:

  1. Apprentice Development Officer ← You start here
  2. Probationary Development Officer
  3. Development Officer
  4. Assistant Branch Manager (ABM)
  5. Branch Manager (BM)
  6. Senior Branch Manager (SBM)
  7. Assistant Divisional Manager (ADM)
  8. Divisional Manager
  9. Senior Divisional Manager
  10. Regional Manager

Note: If you put in a magnificent effort, you can reach the level of a Branch Manager in 15 years. After the Assistant Branch Manager (ABM) post, LIC AAO and LIC ADO will conclude and merge into the same level.

LIC ADO Salary FAQs

  • The basic salary of LIC ADO while on probation is ₹ 21,865/- per month (except for Employee Category Candidates). Apart from that, they are also eligible for other benefits and allowances.

  • The significant LIC ADO allowances are House Rent Allowance, City Compensatory Allowance, Dearness Allowance, other medical benefits, etc.

  • Yes, once a candidate completes their probation of 1 year (2 years in some cases), they are considered a permanent employee in LIC as an Assistant Development Officer.

  • The LIC ADO work is mainly a sales administration job. The candidate selected as an ADO will be obligated to appoint some people as Life Insurance Agents and provide them with proper training to sell life insurance to the maximum number of persons. ADOs are supposed to deliver after-sales services to their policyholders.

  • Yes. As an ADO in LIC, one will be required to travel to various places apart from the region/area originally allotted to provide after-sales services to the policyholders. 

  • The salary of a LIC ADO is based on a basic pay scale of 21865- 340(2)-24545-1580(2)-27705-1610(17)-55075. An ADO is also entitled to various other benefits besides the salary.

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