Email, Report Writing, Situation Analysis & Precis — LIC AAO's Descriptive Test — Practice

Question 1

How many marks does LIC AAO's descriptive test carry in total, and over what duration?

Accepted Answer

25 marks in 30 minutes.

Question 2

Is LIC AAO's descriptive test qualifying-only or merit-counting?

Accepted Answer

Qualifying only — evaluated only if the candidate clears the objective Mains cutoffs, and does not itself count toward final merit.

Question 3

Should a lapse-pattern report be written as narrative prose or structured findings?

Accepted Answer

Structured findings and recommendations, with a title and objective statement — not narrative prose.

Question 4

What three elements should a response to a policyholder's claim-rejection complaint include?

Accepted Answer

An acknowledgement of the concern, a concise (non-defensive) explanation of the specific policy term or process reason, and a clear next step (e.g., appeal process or contact for further review).

Question 5

What core tension do LIC AAO's situation-analysis scenarios distinctively test?

Accepted Answer

Weighing a policyholder's genuine interest or hardship against an applicable rule or policy term, requiring the candidate to state a specific, considered decision rather than mechanically applying the rule or uncritically waiving it.

Question 6

What are the approximate qualifying marks for general/OBC/EWS versus SC/ST/PwBD candidates?

Accepted Answer

Approximately 10 of 25 for general/OBC/EWS; approximately 9 of 25 for SC/ST/PwBD.

Question 7

A policyholder requests a documentation exception citing a medical emergency. Write a brief situation-analysis response outline addressing the core tension.

Accepted Answer

Core issue: the policyholder's genuine, verifiable hardship (medical emergency preventing timely documentation) versus the rule's purpose (ensuring valid, complete claims). Relevant factors: whether the hardship is verifiable (e.g., hospital records) and whether a partial or delayed submission process exists as a middle ground. Decision: grant a conditional exception — accept the claim pending submission of verifying medical documentation within a specified extended window — rather than an unconditional waiver or an outright rejection.

Question 8

Outline a short report on a mis-selling complaint pattern identified across several branches.

Accepted Answer

Title: 'Report on Mis-Selling Complaint Pattern — [Branch Cluster/Period].' Objective: identify the pattern and recommend corrective action. Findings (numbered): (1) complaints concentrated around a specific product/agent-training gap, (2) timing coincides with a recent product launch, (3) no evidence of fraud, but evidence of inadequate disclosure at point of sale. Recommendations: mandatory refresher training on the specific product's disclosure requirements for affected branches, and a review of the sales-script/disclosure-checklist used at point of sale.

Practice — Email, Report Writing, Situation Analysis & Precis — LIC AAO's Descriptive Test

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