SSC CGL vs LIC AAO: Which one to choose and why?

SSC CGL vs LIC AAO: A Brief Comparison


Both SSC CGL and LIC AAO have been one of the most popular exams of all times which recruit best candidates. Students need to choose a convenient career option considering various factors. So, it is essential for students to know about details about both CGL and AAO Examination. To avoid dilemma among the students regarding which option to choose, we bring you a comparison of SSC CGL vs LIC AAO based on various factors like job description, salary, benefits and perks, career opportunities, etc. We hope that this comparison will help you choose a viable option for your career.

The following comparison will be based on the following factors:

  • Job Profile
  • Salary and Perks
  • Work culture
  • Growth
  • Final verdict

#1. Job Profile


If you qualify the exam of SSC CGL, you get to work under one of the Ministries of India or the Government of India Departments. You will get a wide range of responsibilities to work with. If a candidate is interested in National Security and intelligence based field he/she can opt for Intelligence Bureau, CBI or Public Department and if a candidate is interested in accounting and audit can opt for posting under different ministries.


In case of LIC AAO, the job profile is more into administrative work. The responsibilities of a LIC AAO officer includes devising new schemes, inspecting policies, client interactions, filling and managing claims, policy inspections, coordination with different departments, providing assistance for various policies, etc. LIC AAO doesn’t involve travelling but on occasions, it may involve travelling.

#2. Salary and Perks


The SSC CGL is grouped into two groups namely Group B and Group C. The SSC CGL salary for the posts under Group B is Rs. 9,300 to 34, 800 and for Group C it is Rs. 5,200 to 20, 200. The salary along with job security makes SSC CGL a lucrative option.

  • Dearness Allowance
  • House Rent Allowance
  • Transport Allowance
  • LTC
  • Cash Medical Benefit
  • Group Medi claim
  • Pension Scheme


In LIC AAO, the monthly salary of AAO is approximately Rs. 40, 245 per month (which also includes allowances) at metropolitan cities. Exclusive of allowances, the in- hand salary is of around 33, 000/- per month.

  • Defined Contributory Pension
  • Special Allowance (for passing Actuarial Examination)
  • Gratuity
  • LTC
  • Cash Medical Benefit
  • Group Medi claim
  • Personal Accident Insurance
  • Group Insurance
  • Vehicle Loan (2-wheeler/4-wheeler)

#3. Work Culture

The work culture may definitely be different for different posts and departments. One may readily agree to take up a job if the work environment is a good one. At times, every kind of work environment becomes dynamic and full of challenges. So, one must be prepared enough for the challenges and take it with the right spirit.


SSC CGL jobs are kind of relaxed and you can find ample time for your personal life. As per your merit, you will be assigned to any of the departments and you have to work as per the department. At times, SSC CGL jobs can also be demanding when you are submitted to political pressures or complex policy matters. The SSC CGL working hours are fixed and no extra hours are asked for.


In LIC AAO as well, you are allotted to a department and you have to work as per the department. The work is relaxed and at times it is challenging as well. The job of LIC AAO is a learning one as the insurance sector is vast and dynamic.

#4. Growth


Promotions in SSC CGL is a matter which happens in 3- 4 years. The hierarchy of promotion is as follows:

  • 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.


Whereas in LIC AAO, promotion is a problem as it takes minimum of 8 years to become eligible. The hierarchy of promotion is as follows:

  • ADM
  • DM
  • ZM

#5. Final Verdict

The final verdict says that both of the job posts have their own pros and cons. We will summarize for both of the posts like:



  • Status quotient
  • Maximum chances of promotion
  • Power
  • Attractive salary with additional perks
  • Good work- life balance


  • Posting in remote areas
  • Pressure from the Bureaucrats



  • 5 Days of work in a week
  • Workload is limited
  • Postings in urban areas
  • Good work life balance


  • Lengthy cycle of promotions
  • Less exposure
  • Less personal growth

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We hope this article on SSC CGL vs LIC AAO helps to choose a better career indeed. All the best!


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