NICL Job Profile

NICL Job Profile

ByKanika Ralhan  |  Updated on: Nov 21, 2020
NICL AO 2020 notification for Officer Scale I cadre post will be released soon. National Insurance Company Limited will soon upload the NICL AO 2020 recruitment notification PDF at the official site.

NICL AO Job Profile

An Administrative Officer in NICL acts as the First Officer. It is a totally authoritative post where decision making is involved. An AO is expected to a variety of work, however, majority of the work involves Claim Settlements, Underwriting, Risk Assessment and Supervision of Assistants work. Sometimes the AOs are entrusted upon to verify the risk proposals and authorization of claims.

Being an authoritative job, an AO can assign and delegate the work to his team and oversee their performance. Being in the insurance sector, majority of the work involves work related to insurance policies, including but not limited to, health, motor vehicles, industrial, accident, fire however, the job role varies as per the requirement of the department or branch in particular.

Probation and Mandatory Tests

The Probation period for the direct recruited AOs is 1 year. This probation may be extended by another 6 months but this is rarely the case until you do some real embarrassing stuff or are not able to clear the mandatory examination. The probation is more or less like a training phase for the direct recruited AOs & and various types of trainings are conducted during this period.

The directed recruited AOs are required to pass the non-life “Licentiate Examination” conducted by Insurance Institute of India. The probation will be over only after clearing this only after clearing this examination, the AOs will be eligible for confirmation of services in NICL. Failure to pass will render the officer liable to be terminated from service.

Bond Period

The bond period for NICL is 4 years. That is, the direct recruited AOs need to give an undertaking in writing to serve NICL for a minimum of 4 years. Candidates who are preparing for SSC of Civil Services should not that in case of resign before 4 years, they will be liable to pay damages equivalent to one year’s gross salary of NICL AO + Rs.25,000 towards cost of training.

Posting Locations

Just like all other banking and other insurance companies, AOs can be posted anywhere in India. Most of the vacancies are in the eastern & southern India. Normally transfers in NICL usually takes place after three years of service. Generalists are posted all over India and Specialists are generally located in big cities.

Career Growth

Promotions are generally seniority based and first promotion takes not less than 5 years. Through fast track channel, AOs are eligible for promotion after 3 years. Promotions are generally slow compared with banks. However, there is no sabbatical leave i.e., if you have plans to study and want to take unpaid leaves, it is not allowed. You need to resign from the NICL if you take admission in a college and also need to pay the bond if your probation is not complete.


The AO has a still a defined work profile compared with a bank PO. An officer in a bank is expected to everything, let it be a clerical, cashier or any work that is entrusted upon him. The probation in most of the banks is 2 years and it is 1 year for AO. The perks and benefits are good in both the jobs.

NICL is a 5 day working job, i.e. weekends are off. Whereas in PO, only alternate weekends are off. It is expected that in this settlement of the banks wage revision, the banks will also get all weekends off. AOs have a fixed timings and the job is less transferrable. However, POs have no defined timings. The job of a PO is more transferrable and banks are also located in remote places unlike NICL offices. Also, there are more chances of rural postings in PO than in AO.

The life of AO is much more peaceful than a PO however, promotion chances of AO are lesser in comparison with PO. There is a bond period of 4 years in case of AO and generally 2 years in case of a PO.

We have also released a free mock test for NICL AO Exam. You can attempt the NICL AO test series from the link below - 

NICL AO free mock test - Attempt Now

You can also go through the frequently asked questions for NICL AO Online Application form from the link below - 

PO, Clerk, SO, Insurance