SSC CGL vs LIC AAO: What to Choose| Salary Profile Promotions Work Culture

SSC CGL vs LIC AAO: What to Choose| Salary Profile Promotions Work Culture

The heat is on. SSC CGL is on every aspirants mind. In the SSC CGL vs Other Exams series, it is SSC CGL vs LIC AAO today. See who wins.

SSC CGL  vs LIC AAO: Salary, Job Profile, Work Pressure, Working hours, Transfers, Perks and Benefits, Future Growth and Final Verdict



Two top exams are in the line. LIC AAO is a few weeks away and so is SSC CGL.

Both the exams represent a tough competition, and therefore a rewarding career as well.

What is it that makes these exams two of the most popular and sought after jobs among the aspirants. Every year around 15-20 lakh candidates apply for these two exams. This time, the applications are expected to cross 20 lakhs mark.

But which one out of the two will be more suitable for you? Well, No absolute answer and it will all depend on your perspective. The choice will be driven by what you like doing, want to pursue in your professional life and which field attracts you more.

Lets have a quick look at the notifications –

Click here for SSC CGL 2016 Recruitment Notification Syllabus and Salaries

Click here for LIC AAO all sections preparation tips and resources.

In this article, we will discuss about both these esteemed organisations and the respective position’s work profile, etc to provide you with insights that may help you to determine the right examination (Read ‘career’) that you should opt for.

SSC CGL (Staff Selection Commission Combined Graduate Level) Examination is one of the biggest government job recruitment exams in India. Every year, the Staff Selection Commission conducts this CGL exam for recruitment in various Central Government departments like Central Secretariat Service, Central Vigilance Commission, Intelligence Bureau, CBI, Ministry of Railways/ External Affairs /Defence and a few other Ministries. SSC CGL job is a purely bureaucratic, 100% government job.

On the other hand, LIC is the leading life insurance agency in India and provides an immensely respectable and fulfilling job. The requirement of young and energetic individuals in the insurance sector has increased significantly over past few years and with increasing awareness and better insurance penetration, jobs at LIC are bound to increase in stature. Having said that, lets also be mindful that as AAO, you will not be part of bureaucratic sarkari naukri environment.

Let us now take a closer look at both the profiles:

SSC CGL vs  LIC AAO #1: Job Profile 


As an officer recruited through SSC CGL, you will be expected to:

  • Do clerical work in office like answering RTI queries.
  • Make notes and do filing work.
  • Do general administration work.
  • Do field Jobs that involve travelling.
  • Carry out raids,Inspections, surveillance etc.
  • Help in shaping Nationwide policies by looking after the back office work.

LIC AAO: Job Profile

As an LIC AAO you are required to do administrative work, which would include the following:

  • Formulating new schemes, inspecting policies
  • Managing and filing claims, client interactions
  • Coordinating with other departments, provide assistance
  • Perform any work specified by department head or administrative Officer.

SSC CGL vs LIC AAO #2: Work Pressure

SSC-CGL job are more relaxed and allow good work-life balance. After joining, you will be assigned to one of the 30 departments as per your merit and you will be involved in performing tasks that include supervision, administrative activities, research or any other task bestowed by the senior officials from time to time related to that post. At times, SSC-CGL jobs can also be very demanding since you may be subjected to political pressures or get involved in complex policy matters. As it always happens, all this depends on your superiors and the department in which you are posted.

LIC AAO is a lower level managerial post. After joining you are allotted one/several department and the onus for getting the work done lies with you. You are taught human resource management, finance, project planning and execution. Scope of work also includes Underwriting, Policy servicing, Marketing, IT, Actuarial, Investment, Audit, etc. One can be deputed to LIC HFL, Nomura, LIC cards, GIC, III, etc also. Overall, there is continuous learning in this career and since the insurance market itself is dynamic, the learning never stops..

Work pressure wise both the jobs are at par.

SSC CGL vs LIC AAO #3: Working hours

In SSC CGL, you will have a proper work schedule. There are regular work hours from morning till evening and no overtimes, additional hours or shift workings most of the times.

LIC too follows a 5 day work week pattern, enabling you to for enough time over weekends to socialize and cultivate your interests.

SSC CGL vs LIC AAO #4: Transfers

Both SSC CGL and LIC AAO are govt./public sector jobs, making transfers a necessary evil in this comparison.

In SSC, the transfers mostly take place every 4-5 years (except in CSS jobs where you will always be posted in Delhi).Similarly, in LIC, the transfers mostly take place every 2-5 years.In both Organisations, transfer is on the basis if seniority/promotion.

SSC CGL vs LIC AAO #5: Salary

There is not much disparity between the two in terms of the salary and other benfits. As an LIC AAO you will receive INR 33,000 – 35,000 per month while as an officer recruited through SSC, you are entitled to receive anything between INR 25,000 – 40,000 per month.
Please note that above mentioned salaries are subject to revision under 7th Pay commission.

The LIC AAO salary is under revision after the govt agreed for 15% hike.

So after the revision is implemented, the take home salary of LIC AAO may increase to approx INT 42,000 – 45,000 per month.

SSC CGL vs LIC AAO #6: Perks and BenefitsSSC CGL vs LIC AAO: What to Choose| Salary Profile Promotions Work Culture

SSC CGL position is entitled to following benefits:

  1. Dearness Allowance
  2. House Rent Allowance
  3. Transport Allowance
  4. LTC
  5. Cash Medical Benefit
  6. Group Mediclaim
  7. Pension Scheme

LIC AAO provides following benefits:

  1. Defined Contributory Pension
  2. Special Allowance for passing Actuarial Examination
  3. Gratuity
  4. LTC,
  5. Cash Medical Benefit
  6. Group Mediclaim
  7. Group Personal Accident Insurance
  8. Group Insurance
  9. Vehicle Loan (2-wheeler/4-wheeler) as per rules.

In conclusion, as per this criteria, both the posts are approximately equal.

SSC CGL  vs LIC AAO #7: Future Growth

Promotions in SSC happen every 4-5 years. As per your post, you will be promoted to the next higher level.

  • Auditor will become Senior Auditor in 3 years.
  • Assistant Enforcement Officer will become Enforcement Officer in 4-5 years.
  • Income Tax Officer will become Assistant Commissioner, then Deputy Commissioner and Finally Commissioner.
  • Assistant in CSS will be promoted to the next post – SO (which is a Group-B Gazetted Officer post) and can go upto Joint Secretary.

Promotions in LIC are a hard thing to come by, since it takes at least 8 years to become eligible for promotion. The scale is:

  • ADM
  • DM
  • ZM

Promotion in SSC are way faster as the different departments and ministries have clear policies, which ensure a well defined and streamlined framework for promoting an officer at regular time interval.

On the other hand, the Insurance Sector follows a non-proactive promotion policy.

So definitely from career progression angle, SSC CGL fares better than LIC AAO.

SSC CGL vs LIC AAO #8: Social Status in Society:

Well let’s think about real live scenario, you may have acquaintances working in insurance sector, Would you ever boast of it? but compare it to having a distance cousin uncle as Income Tax or Excise Inspector. You will mention it at every possible occasion. Moreover such coveted positions are fewer and society generally appreciates the rarer positions more.

In nutshell, it all comes down to ‘social status’ (yeah you heard it right). People who are recruited in top SSC jobs definitely enjoy a higher social status as compared to their counterparts working in Insurance. Add to this the fact that you may actually become a ‘Gazetted Officer’ within 3-4 years of your joining in SSC CGL. Well, thats something to boast about.

SSC CGL vs LIC AAO # Final Verdict

In conclusion, both have their pros and cons. If you look purely from the recognition and social status perspective, SSC CGL emerges as the winner. But LIC offers you the opportunities in insurance domain in India, which is one of least penetrated countries across the globe, so potential to grow is immense.

Here’s a list of Pros and Cons of both SSC CGL and Bank PO.


  • High chances of promotion
  • Respect in the society
  • Immense Power
  • Overall better exposure


  • Remote Postings.
  • Bureaucratic Pressure


  • 5 Day Work Week
  • Limited Workload
  • Urban Postings
  • Good work life balance
  • Better IT infrastructure
  • Low and long promotion cycles
  • Less exposure to market conditions
  • Hence less chances of personal growth
  • Lower salary than CGL

Want more comparisons? Checkout:

If you have any queries regarding SSC CGL or LIC AAO, please ask them in the comments section below, we will be glad to answer them for you!

  • Dhamo

    May I know please, how much of stuff can take to do for SSC CGL exam preparation.. please give me fully with detailedly answers.. Thanks in Advance…

  • Himanshu Bharti

    sir. LIC aao job has a bond period while SSC CGL does not have any bond.
    One of my friend told me that if we switch from LIC to CGL or any other govt orgs. ,we need not pay bond.. Is it true???


      When you switch from one government organisation to other government organisation, The people in the HR department of your previous organisation on their discretion may provide some relaxations on bond and notice period.
      But That is not mandatory and will depend on the HR policies.

      • Himanshu Bharti

        thanx bro.. for info… but i need someone who can confirm this… 😛


          You can contact LIC on their helpline numbers