As the name suggests, AAO job involves more of administrative work & Duties, that AAO Job Profile includes.

Job Profile of AAO includes the following:

Devising new schemes, inspecting policies,
Managing & filing claims, client interactions,
Co-coordinating with other depts. about a scheme/ policy, provide assistance etc.
Perform any other works as & when specified by dept head/ administrative officer

AAO`s may not need to travel but at times, they will have to visit certain areas for follow up & not specifically for sales.

If you are appointed as AAO (Specialist) posting could be in precise departments within the organization like Legal, Marketing, Systems, Claims, Customer service etc & the responsibilities for each will vary.

There is also an additional position called Apprentice Development Officer (ADO) whose main job is to recruit agents, give them required training for policy sales & enable them to provide service for existing customers.

AAO Salary:

The standard pay scale for AAO`s in public sector firms is Rs.17240 – 32640, which is pending revision. Once it’s accepted by the government, one can expect an increase in salary further.

According to the recent AAO recruitment notification, the monthly salary is approx Rs.40, 245 per month (including allowances) metropolitan cities.
This amount will differ slightly in other cities in India.

While the above pay is inclusive of various allowances, the take home/ in-hand salary could be around Rs.33, 000/ month.

AAO`s are entitled for benefits like PF, pension, LTC, 2/4 wheeler loans, mediclaim, medical benefits & much more.

Future Prospects:

Among the public sector insurance companies, LIC is the majority player with crores of policy holders. Therefore, it requires large number of employees to reach out to its current user base & also bring new business.

After gaining certain level of experience, AAOs gets promoted as Administrative Officer.

There are also probability to move to other departments or position such as Assistant Branch Manager (ABM) through internal posting.

Since promotions entirely depend on several parameters set by the respective companies, exact duration cannot be commented. But industry experts say such pushes happen after five years (minimum)