Insurance Exams 2026: Complete Guide to LIC, NIACL, NICL, UIIC, GIC Re and ECGC Recruitment
Last updated: 2026-11-14 · MockMentor
India's public sector insurance companies recruit officers and clerks through their own exams. The exams test the same core as bank exams (reasoning, quantitative aptitude, English and general awareness), with extra weight on insurance and financial awareness. Pay is generally higher than in bank PO exams at the entry level, and most officer posts come with a service bond.
Each guide below is built from the company's own advertisement. Where a 2026 notification is not out yet, the guide uses the latest official cycle and says so.
Officer exams
| Exam | Company | Latest cycle | Starting basic pay |
|---|---|---|---|
| LIC AAO | Life Insurance Corporation of India | 2025 (32nd batch): 350 Generalist posts | ₹88,635 |
| NICL AO | National Insurance Company | 2026-27: 321 posts; Phase I on 17 November 2026 | ₹82,485 |
| UIIC AO | United India Insurance Company | 2026: 225 posts; Mains on 30 November 2026 | ₹82,485 |
| NIACL AO | New India Assurance | 2025: 550 posts | ₹50,925 |
| GIC Re Assistant Manager | General Insurance Corporation of India | 2024-25: 110 posts | ₹50,925 |
| ECGC PO | ECGC Limited | 2025-26: 30 posts | ₹88,635 |
| LIC ADO | Life Insurance Corporation of India | 2023 (zone-wise) | ₹35,650 as Probationary Development Officer |
The NIACL and GIC Re figures are from their 2024-25 advertisements. Pay in the public sector general insurers was revised after those cycles, which is why NICL's 2026 advertisement shows a higher scale.
Assistant (clerical) exams
| Exam | Company | Latest cycle |
|---|---|---|
| NIACL Assistant | New India Assurance | 2024: 500 posts |
| LIC HFL Junior Assistant | LIC Housing Finance | 2026: exam held on 6 June 2026 |
Exams awaiting a new notification
- LIC Assistant: LIC recruits clerical staff through zone-wise notifications. A new cycle has not been announced.
- NICL Assistant and UIIC Assistant: UIIC's last Assistant recruitment was in 2023. Watch each company's careers page.
- OICL AO: Oriental Insurance's last AO advertisement was for the 2023-24 exercise, published in March 2024.
We will add full guides as these notifications come out.
How insurance exams differ from bank exams
| Point | Insurance officer exams | Bank PO exams |
|---|---|---|
| Special section | Insurance and financial market awareness | Banking awareness |
| Pay at entry | Higher in LIC, ECGC and the general insurers | ₹48,480 basic in public sector banks |
| Service bond | Usually 3 to 4 years | Varies by bank |
| Posting | Anywhere in India | Anywhere in India |
If you are also writing bank exams, see the bank and regulatory exams page. Insurance and financial awareness overlaps heavily with RBI Grade B Finance; our flagship schemes guide covers PMJJBY, PMSBY and other insurance schemes.
Insurance exams: all pages
- LIC AAO
- NICL AO
- UIIC AO
- NIACL AO
- NIACL Assistant
- GIC Re Assistant Manager
- ECGC PO
- LIC ADO
- LIC HFL Junior Assistant
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