Which Is Better To Choose NIACL AO vs LIC AAO: Know Salary, Job Profile & Career Growth here!

By Jyoti Bisht|Updated : September 30th, 2021

Which Is Better To Choose NIACL AO vs LIC AAO: Both the NIACL AO and the LIC AAO are insurance-related Exams. However, many aspirants are unsure which job should be prioritized. It's a reasonable doubt to have because both careers pay well and offer prospects for great career growth. Since LIC is a larger brand, it attracts more attention because NIACL AO is a regular government job, it attracts hopefuls who want a 9-5 less chaotic job. However, it is up to the candidates to choose their careers wisely.

Table of Content

NIACL AO Vs LIC AAO Comparison

The comparison of NIACL AO and LIC AAO will be made on the basis of these following factors such as-

  • Selection Process
  • Job Profile
  • Salary Structure
  • Career Growth
  • Transfer Policy
Job Profile Client Interaction, Policy Making, Auditing, and Analysing   Public Dealing, desk job,  Customer queries, assisting in  making new schemes 
Promotion  5-8 years  Experience-based
Transfer   3-5 years  After 3 years 
Exam TypeOnline mode: Prelims & MainOnline mode: Prelims & Main
Also, Refer,

1. Important Reason to choose Insurance as a Career
Important Takeaways for NIACL AO 2021 Exam Based on GIC Assistant Manager Exam

NIACL AO Vs LIC AAO: Selection Procedure

The selection process NIACL AO and LIC AAO is quite similar which includes Prelims & Main round. 


An objective examination along with a descriptive test during main.    

3 Rounds of the selection process-

  • Prelims  
  • Main
  • Personal Interview  

An objective examination along with a descriptive test during main.     

3 Rounds of the selection process-

  • Prelims  
  • Main
  • Personal Interview 

NIACL AO VS LIC AAO: Eligibility Criteria

Educational Qualification

Graduate/postgraduate degree in any discipline from a recognized university or any equivalent qualification recognized as such by the Central Government, with a minimum of 60% in either of the degree examinations for General applicants and a minimum of 55% for SC/ST/PwBD candidates.

Although the educational requirements are similar to those of the NIACL AO, certain categories, such as CA, Rajbhasa, and legal, have varying educational requirements.
Age Limit
  • Minimum Age- 21 years
  • Maximum Age- 30 years
  • Min: 21 years 
  • Max: 30 years 


  • The Scale-I administrative job description of NIACL AO (Generalist) encompasses the responsibilities of the First entry-level officer.
  • The NIACL Administrative Officer is in charge of policies, clauses, risk proposals, and claim authorization.
  • The official returns and statements that must be communicated with higher regional offices are filed by the NIACL AO.
  • NIACL AO is in charge of overseeing and supervising the issuing of insurance policies, as well as the settlement of insurance claims.
  • LIC AAO manages the department's operations and assists their senior officers inappropriately administering the department's operations.
  • They must carry out a plan or project that has been assigned by the director of the department, as well as communicate with officers from other departments.
  • They must inform and guide customers about the department and its locations.
  • They need to look into how ideas are carried out and come up with fresh ones.
  • They must keep track of claims and settlements.

NIACL AO VS LIC AAO: Salary Structure

  • With a pay scale of 32795-1610(14)-55335-1745(4)-62315 and extra allowances, the beginning basic pay of NIACL AO Scale-I is Rs. 32,795/-.
  • In metropolitan cities, the gross compensation for an Administrative Officer (Generalist) will be around Rs. 60,000 per month, while salaries in other cities will range from Rs. 55,000 to 60,000 per month.
  • AAO's starting salary is INR 53,600 per month, with a monthly increase of INR 2645 for 14 years.
  • After 14 years, there is an annual increase of INR 2865 for the next four years.
  • AAO's basic pay will be INR 1,02,090 per month after completing 18 years of service.

Perks & Benefits-

  • Dearness allowance
  • Dearness allowance
  • House rent allowance
  • Transport allowance
  • City compensatory allowance
  • Company/leased accommodation

Perks & Benefits-

  • Group Insurance
  • Special Allowance
  • Medical Facility
  • Leave Travel Concession
  • Accidental Insurance
  • Loan facility for personal vehicle
  • Meal Coupon

NIACL AO VS LIC AAO: Career Growth


Employees working as Administrative Officers (Generalists) must sign a bond and promise to serve for the company for a minimum of four years (including a one-year probationary period), after which the responsibilities of the AO expand in tandem with the NIACL AO Salary.

Seniority or departmental exams are used to determine promotion. The promotion of LIC AAO is generally gradual. From the time you join, it takes 4 to 8 years to get promoted. Following promotions from AAO, promoted AAOs are assigned to the following positions:

  • Administrative Officer (AO)
  • Assistant Divisional Manager (ADM)
  • Divisional Manager (DM)
  • Senior Divisional Manager (SDM)
  • Zonal Manager

Transfer Policy-

  • Every 2.5 to 3 years, the LIC AAO can be transferred in both rural and urban areas.

Transfer Policy-

  • Every 3 to 5 years, NIACL AO gets the transfers.

All of the above information will provide you with a thorough idea of the job description and compensation offered by NIACL AO VS LIC AAO, allowing you to make the best career selection possible.

In retrospect, each of these positions implies respect, employment security, and social prestige, but what matters most is your set of objectives and concerns. Choose NIACL AO or LIC AAO if you want to progress and are willing to work hard by giving enough time to understand the suitable post for you. All the very best for a bright career whatever you choose.

Also, Read

Important Reads
NIACL Salary Complete DetailsNIACL Exam Pattern
NIACL Selection ProcessNIACL Syllabus
NIACL Question PapersBest Books to Prepare for NIACL AO
Important Takeaways for NIACL AO 2021 Exam Based on GIC Assistant Manager ExamHow to Score 25+ in English in NIACL AO Prelims 2021
Computer Awareness PDFImportant Reason to choose Insurance as a Career
NIACL AO 2021 Study Plan for 45 DaysAttempt Mini Mocks of NIACL AO
LIC AAO 2021LIC AAO Eligibility Criteria 2021
LIC AAO Selection Process 2021LIC AAO AE Salary

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  • This is something that requires time to learn more about the job profile and availability. After reading this article you can make your mind whether you want to opt for NIACL AO or LIC AO.

  • NIACL AO: The starting basic pay of NIACL AO Scale-I is Rs. 32,795/-, with a pay scale of 32795-1610(14)-55335-1745(4)-62315 and other allowances.

    LIC AAO: AAO's starting monthly salary is INR 53,600, with a monthly increase of INR 2645 for the next 14 years.

  • NIACL AO- The LIC AAO can be transferred every 2.5 to 3 years in both rural and urban locations.

    LIC AAO: NIACL AO receives the transfers every 3 to 5 years.

  • The selection procedure for NIACL AO & LIC AAO is similar as both have Prelims & Main exam to select the righteous candidate for the post.

PO, Clerk, SO, Insurance


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