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LIC Organisational Structure

UIIC AO · Insurance Awareness

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Core Concept

Read this first — the foundation of the topic

→Special Addition — Satellite Offices and Mini Offices

LIC also runs Satellite Offices and Mini Offices in rural and semi-urban areas to reach more people. --- FORMULA BLOCK — Easy Memory Structure Central Office (1) → Zonal Offices (8) → Divisional Offices (~113) → Branch Offices (~2048) → Agents (13+ lakh) --- EXAM PATTERNS — What Gets Asked? 1. How many Zonal Offices does LIC have? (Answer: 8) 2. Where is LIC's Central Office? (Answer: Mumbai) 3. Who heads a Divisional Office? (Answer: Senior Divisional Manager) 4.

Which Act established LIC? (Answer: LIC Act, 1956) 5. What is the role of agents in LIC's structure? --- SHORTCUT / TRICK Trick 1 — Remember the number sequence: "1 - 8 - 113 - 2048 - 13 lakh" CO → ZO → DO → BO → Agents Repeat this like a phone number. It covers all the major exam questions

⚡Trick 2 — Zone Cities Mnemonic

1

Identify where Lucknow falls. Lucknow is in the Northern Zone under Kanpur Zonal Office.

2

Branch Office is the current level.

3

The next level above Branch Office is the Divisional Office.

4

If still unresolved, it goes to the Zonal Office (Kanpur).

5

Final escalation goes to the Central Office in Mumbai

→Answer

The immediate next level above Branch Office is the Divisional Office. --- COMMON MISTAKE Many students confuse the number of Zonal Offices (8) with Divisional Offices (113)

💡Remember

Zones are BIG (fewer in number = 8). Divisions are smaller (more in number = 113). Always go from big to small.

🔑 Key Points

LIC was established under the LIC Act, 1956 and started operations on 1st September 1956.
LIC's Central Office is located in Mumbai — this is the highest decision-making body.
LIC has exactly 8 Zonal Offices, each headed by a Zonal Manager.
LIC has approximately 113 Divisional Offices, each headed by a Senior Divisional Manager.
LIC has over 2,048 Branch Offices across India, each headed by a Branch Manager.
LIC has more than 13 lakh (1.3 million) active agents who form the ground-level sales force.
Hierarchy order: Central Office → Zonal Offices → Divisional Offices → Branch Offices → Agents.
LIC also operates Satellite Offices and Mini Offices to extend reach into rural areas.

📌 Exam Facts

LIC was established on 1st September 1956 under the Life Insurance Corporation Act, 1956.
LIC's Central Office (Headquarters) is located in Mumbai, Maharashtra.
LIC has 8 Zonal Offices — located in Mumbai, Delhi, Kolkata, Chennai, Hyderabad, Kanpur, Patna, and Bhopal.
LIC has approximately 113 Divisional Offices across India.
LIC has over 2,048 Branch Offices in India.
A Divisional Office is headed by a Senior Divisional Manager (SDM).
LIC has more than 13 lakh active agents making it one of the largest agency forces in the world.
The Chairman of LIC is the head of the entire organisation and sits at the Central Office in Mumbai.

🚀 60-Second Revision

Remember: LIC hierarchy = Central Office (Mumbai) → 8 Zonal Offices → 113 Divisional Offices → 2048 Branch Offices → 13+ lakh Agents.
Remember: LIC was founded on 1st September 1956 under the LIC Act, 1956.
Formula: Zone Cities = 'My Dear King Comes Home, Keeping People Busy' = Mumbai, Delhi, Kolkata, Chennai, Hyderabad, Kanpur, Patna, Bhopal.
Remember: Divisional Office head = Senior Divisional Manager; Branch Office head = Branch Manager; Zone head = Zonal Manager.
Trap: Do NOT confuse 8 Zonal Offices with 113 Divisional Offices — Zones are fewer and bigger.
Remember: LIC also has Satellite Offices and Mini Offices for rural reach — this is a common MCQ detail.
Trap: LIC's Central Office is in Mumbai, NOT Delhi — a very common wrong-answer trap in exams.

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