LIC AAO Mock Test Free 2026: Prelims and Mains Full Mocks, No Login
Practise for LIC AAO 2026 (32nd batch) with free mocks on the reported pattern: Prelims has 100 questions in 60 minutes (Reasoning 35, Quant 35, English 30 qualifying), and Mains has 120 objective questions for 300 marks in 120 minutes plus a 25-mark descriptive English test. Generalist papers carry no negative marking.
Prelims were held on 3 October 2026, the result came on 29 October, and Mains is on 8 November 2026. These mocks are built for that Mains: Reasoning, GK, Data Analysis and Insurance awareness, each on its own timer.
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120 questions in total · LIC AAO Prelims marking No negative marking (Generalist)
Your first 3 tests run in guest mode with no account. After that, a free Google sign-in keeps you going and saves your attempts; full step-by-step solutions also open after that free sign-in.
Free LIC AAO Full Mock Tests (1)
Exam-length tests on the official pattern: 100 questions, 70 marks counted for ranking, 60 minutes (English qualifying).
Official LIC AAO Exam Pattern
Copied from the official notice; the full mocks above follow the first table.
LIC AAO Prelims Exam Pattern (Generalist)
| Section | Questions | Marks | Time |
|---|---|---|---|
| Reasoning Ability | 35 | 35 | 20 min |
| Quantitative Aptitude | 35 | 35 | 20 min |
| English Language (qualifying only) | 30 | 30 | 20 min |
| Total | 100 | 70 counted | 60 min |
- English is qualifying: its marks are not counted for ranking. Only Reasoning + Quantitative Aptitude (70 marks) decide the Prelims merit list.
- There is no negative marking in the Generalist Prelims. Specialist posts carry 1/4 negative marking — check the notification for your post.
- Each section has its own 20-minute timer. Prelims is qualifying: it shortlists candidates for Mains and its marks do not count for final selection.
Source: LIC AAO 2026 cycle (32nd batch), as reported; confirm on licindia.in
LIC AAO Mains Exam Pattern (Generalist)
| Section | Questions | Marks | Time |
|---|---|---|---|
| Reasoning Ability | 30 | 90 | 40 min |
| General Knowledge and Current Affairs | 30 | 60 | 20 min |
| Data Analysis and Interpretation | 30 | 90 | 40 min |
| Insurance and Financial Market Awareness | 30 | 60 | 20 min |
| Objective test | 120 | 300 | 120 min |
- Descriptive test: English Language (letter writing and essay), 2 questions, 25 marks, 30 minutes — qualifying only, and checked only if the candidate clears the objective test.
- Specialist and Assistant Engineer patterns replace one objective section with Professional Knowledge for the specialisation. Check the notification for your post.
- There is no negative marking in the Generalist Mains objective test. Final merit is Mains objective marks + interview (60 marks); Prelims marks do not count.
Source: LIC AAO 2026 cycle (32nd batch), as reported; confirm on licindia.in
LIC AAO Negative Marking (No negative marking (Generalist))
There is no negative marking in the LIC AAO Generalist Prelims or Mains objective test, so every question should be attempted. The worked example below therefore shows no penalty: 60 right and 12 wrong still scores 60.
This no-penalty rule applies to Generalist posts only. Specialist posts carry 1/4 negative marking, so check the notification for your own post before deciding a guessing strategy.
Worked example (Prelims marking)
60 right and 12 wrong: 60 × 1 − 12 × 0 = 60 marks. Leaving those 12 blank instead would have given 60.
How to use LIC AAO mocks: Mains is won on two 90-mark sections
Reasoning (90 marks) and Data Analysis and Interpretation (90 marks) are 180 of the 300 Mains marks. Both are time-hungry: Reasoning puzzles and DI sets eat minutes, so practise them in 40-minute blocks at exam pace, not as untimed exercises.
Insurance and Financial Market Awareness (60 marks) is the section other bank exams do not have: LIC history and structure, insurance principles, IRDAI, recent schemes and financial markets. It is also the fastest section to improve — 30 questions you either know or do not — so give it a daily 20-minute slot.
General Knowledge and Current Affairs (60 marks, 20 minutes) rewards the same daily habit: 30 questions in 20 minutes means 40 seconds each, so revise rather than learn on the day.
The descriptive English test (letter and essay, 25 marks, 30 minutes) is qualifying and is checked only if you clear the objective test — but do not ignore it. Practise one letter and one essay a week, typed, inside 30 minutes.
With no negative marking for Generalists, attempt every question. There is no penalty for a wrong answer, so an educated guess always beats a blank.
Everything else for LIC AAO
LIC AAO Free Mock Test: FAQs
Are these LIC AAO mock tests free?
Yes. All 1 LIC AAO tests listed here are free.
Do I need to log in to attempt an LIC AAO mock?
No login is needed to start. The first three tests in a browser run in guest mode; after that a free Google sign-in keeps your practice going. Detailed solutions also open after the free sign-in.
How many LIC AAO mock tests are available?
1 at present: 1 full mocks, 0 sectional tests, 0 topic-wise tests and 0 mini mocks.
What is the LIC AAO Prelims exam pattern?
100 questions in 60 minutes: Reasoning 35, Quantitative Aptitude 35 and English 30, each with a 20-minute timer. English is qualifying and its marks are not counted; only 70 marks decide the Prelims list. No negative marking for Generalists.
What is the LIC AAO Mains exam pattern?
Objective test: 120 questions for 300 marks in 120 minutes (Reasoning 90, GK 60, Data Analysis 90, Insurance awareness 60), plus a descriptive English test of 25 marks in 30 minutes (qualifying). No negative marking for Generalists.
When is the LIC AAO Mains 2026?
8 November 2026. Prelims were held on 3 October 2026 and the Prelims result was declared on 29 October 2026.
Is there negative marking in LIC AAO?
No, for Generalist posts — neither Prelims nor the Mains objective test carries negative marking. Specialist posts carry 1/4 negative marking.
What decides the final LIC AAO merit?
Mains objective marks plus the interview (60 marks). Prelims marks do not count, and the descriptive test is qualifying only.