LIC of India has contributed Rs 105 crore to PM-CARES Fund for supporting the efforts of the Government of India in fighting COVID-19. 32795- 1610(14) –55335– 1745(4) –62315. The various departments of LIC are as under: In general, LIC AAO has to perform the following duties: Although there are ample opportunities, promotions in LIC happens at a slow pace. Being one of the top government jobs in the industry, LIC rewards its employees well and offers an attractive salary along with many benefits and perks. Louisiana Public Defender Board . 32795- 1610(14) –55335– 1745(4) –62315 and other admissible allowances as per rules. Dear Readers, Daily Current Affairs Questions Quiz for SBI, IBPS, RBI, RRB, SSC Exam 2020 of 26th December 2020. The Branch Manager can be of various cadres depending on the size of the branch. LIC Assistants Notification 2020 l LIC AAO & LIC AE ... LIC AAO 2020 - Strategy, Notification, Syllabus, Salary, & Exam ... Jobs and Careers after COVID19 | Sanjiv Mehta, Chairman & … This is the equivalent of $2,018/week or $8,744/month. It is a state-owned insurance company that has branches and offices all across the country. This means that the assessment board/peer committee of DRDO promotes a scientist in its ranks purely based on merit. Gross Salary of LIC AAO is around Rs. SSC Chairman List (1976-2020) The first SSC Chairman was Saiyid Hamid appointed in 1976. Let us see one-by-one in DETAIL. LIC AAOs have to help the Administrative Officer or the head of the department in supervising the general functioning of the department. Various benefits available to the Club Member of the LIC are Fringe Benefits, Housing Loan Benefits etc,..Complete information about LIC Club Membership such as LIC Club Membership Benefits, Types of Club Membership of LIC Club Member are available below. https://www.licagentportal.in/career-in-lic-of-india-2019-20 Life Insurance Corporation of India – Corporate Office : Yogakshema Building, Jeevan Bima Marg, P.O. Club Galaxy. ONGC scrip soars, settles 5.6 per cent up vis-à-vis Sensex gain of 0.3 per cent. LIC Agent Club Membership benefits LIC has specialised to Agents in form of different types Club Members according to their business done in an year as well as persistency with clients .LIC Agents are benefited as their club membership. AIIEA Wage Revision News. Basic pay of Rs. LIC AAOs will also have to manage and file claims and settlements. We hope this detailed article on LIC AAO Salary helps you. Relaxation in selection criteria for LIC’s new chairman possible. Want to become LIC agent? LIC Wage Revision 2020 Latest News AIIEA. LIC will issue an appointment letter to the authorized agent. Just in case you need a simple salary calculator, that works out to be approximately $50.45 an hour. Menu. At Embibe, you can take the mock tests for free. Pradeep Kumar Joshi is the new UPSC Chairman. In this article, we will provide you with all the information. Daily GK quiz online for bank & competitive exam. There is an annual increment of Rs 1,610 for the next 14 years. 23 December 2020. Following is a brief of LIC Agent Salary & Commission: LIC Agent also gets a monthly stipend of INR 80 to 90 lakhs per year from LIC. DRDO Salary 2020. 2. Being an “Assistant” Administrative Officer, the major duty of an LIC AAO is assisting his/her senior administrative officer (AO) in the functioning of the department. This too depends upon the job location and can be 4%, 3% or 0% of the LIC AAO Basic Pay. LIC Agent Salary & Commission. }] LIC was a product of Indian prime minister Jawaharlal Nehru’s vision. Since CPI depends upon inflation rates, the DA can increase or decrease based on that. There is an annual increment of Rs 1,610 for the next 14 years. Entry to Chairman’s Club. Question types, difficulty level & memory-based questions for all sections. Finish the whole syllabus in the most effective way and master each and every topic. It is situated in Maharashtra , India. 26 December 2020. Entry to Divisional Managers Club. NEW YORK, Oct. Week numbers are listed in the tables in various date formats. LIC Recruitment 2020:Apply Online for latest LIC jobs (Life Insurance Corporation of India) & get recruitment notifications for Assistant,Consultant,Apprentice Officer,Secretary,Manager etc.Subscribe for LIC India Recruitment through freshersworld.com Latest 138 LIC jobs vacancies updated on 5 Jan 2021 12:00 p.m. Zoom. Interest-free vehicle loan. They have to coordinate and communicate with other departments. LIC Assistant Salary 2019: The officials of LIC have announced 8500 vacancies under LIC Assistant Recruitment 2019.Candidates can apply for LIC Assistant Exam from 17th September 2019 to 1st October 2019. It is headed by chairman Mr. Rajkiran Rai and Its Director is Shri Harideesh Kumar B. It is a desk job and the roles and responsibilities will slightly vary depending upon the department they work for. 32795- 1610(14) –55335– 1745(4) –62315 and other admissible allowances as per rules. Along with observing the current policies of LIC, an AAO is also responsible for developing new schemes / policies. 1. The Government of India decided to appoint SK Roy as the new Chairman of Life Insurance Corporation of India (LIC). Thanks to Life Insurance Corporation of India or LIC, you can simply work as the LIC agent and make money. Here we have given the Daily Current Affairs Quiz based on the previous days Daily Current Affairs updates. Now that you have a clear picture of what the post of LIC AAO entails – the LIC AAO job description, roles and responsibilities, promotions and career advancements and LIC AAO Salary, you have enough reasons to prepare and give your best shot in the exam. 32795/- per month in the scale of Rs. Aspirants can get to know about the powers and functions of the Chairman and the composition of UPSC. The average salary for a Chairman is $203,369. 54 | Offer Price 1159. com is a complete guide to mutual funds which provides detailed information on … Corporate Club Member. 60000/- per month.. For newly recruited (2019) DO Salary for March 2020 Gross salary — Rs.40963.60 Net payable (After deduction) — Rs 37367 Salary of DO after serving more than 20 year in LIC. Life Insurance Corporation of India has released its job circular for hiring 5000 candidates.These vacancies are for Insurance representative’s posts. 1. Coordination of work in various departments remains an important task too. Entry to Zonal Managers club. 5. 1. We will get back to you. LIC to close 23 plans The state-owned Life Insurance Corporation of India (LIC) is set to close as much as 23 plans on January 31 and launch afresh on February 1. Visit PayScale to research Livestock … The LIC AAO pay scale is as under: 32795 – 1610 (14) – 55335 – 1745 (4) – 62315 This means the initial Basic Pay of LIC AAO is Rs 32,795 per month. Looking over and further processing the policy applications is also one of the important duties of an LIC AAO. There, they can get promoted to Assistant Branch Manager (ABM), Branch Manager (BM) and so on. The total monetary equivalent of all above benefits ranges from 5,500 to 6,20,000, ... LIC Agents Portal is an online link/portal which help you to start working as an Agent/Adviser for world's leading life Insurance corporation i.e. LIC Recruitment 2020 Free Job alert for both Fresher and Experienced ... 62,315 Salary - Apply Now. LIC Recruitment 2020: Online Application for 5000 Insurance Representative Posts in LIC Career www.licindia.in!! Also, take LIC AAO mock tests. }] One way to get promotion in LIC is through gaining certain years of experience. Then there will be an annual increment of Rs 1,745 for the next 4 years. Reimbursement of Sales Promotional Gift items. LIC Recruitment 2020: There is good news for the youth preparing for government jobs. SBI PO Salary 2020 SBI is one of the largest banking organizations and therefore SBI PO is the most chased job position among the job aspirants. 58000/- to Rs. LIC Agent Club Membership benefits LIC has specialised to Agents in form of different types Club Members according to their business done in an year as well as persistency with clients .LIC Agents are benefited as their club membership. Apply Before Last Date To Get Up To Rs 14 Lakh Salary. roles and responsibilities of LIC AAO, and career opportunities (promotions). Such Recruitment happens through Online Exam and Interview on all India basis. Congressman Salary 2020 ESO, European Organisation for Astronomical Research in the Southern Hemisphere By continuing to use this website, you are giving consent to our use of cookies. Telephone/Mobile bill reimbursement. } View Non-AMP Version, « RRB NTPC Preparation Tips 2020: Detailed Preparation Plan For Prelims & Mains, Current Affairs in Hindi December 2020: सामान्य ज्ञान सभी प्रतियोगी परीक्षाओं के लिए, करंट अफेयर्स क्विज 13 नवंबर 2020: (Current Affairs Quiz in Hindi 13 November 2020), करंट अफेयर्स क्विज 6 नवंबर 2020: (Current Affairs Quiz in Hindi 6 November 2020), Life Insurance Corporation of India (LIC). 58,000/- to Rs. Promotions are done on a merit-based promotion scheme under the Flexible Complementing Scheme (FCS). They have to perform any task assigned by the department head. It usually takes 4 to 8 years to get a promotion. “The nationalisation of life insurance is an important step in our march towards a socialist society,” Nehru announcedin parliament in 1956 when the ordinance to nationalise insurance companies was passed. ONGCian Ankita Raina wins doubles title at 23rd Al Habtoor Tennis Challenge in Dubai. AAO is direct officer recruitment in LIC, its a transferable job, great salary, good growth, a bit pressure in this JOB. 7. Box No – 19953, Mumbai – 400 021 IRDAI Reg No- 512 Top Go through the LIC AAO syllabus and LIC AAO exam pattern. Loss of Gratuity and Leave Salary Due to Freezing of Dearness Allowance in case of person retired/to be retired after 1-1-2020: JCM writes to DoPT Shiva Gopal Mishra Secretary National Council (Staff Side) Joint Consultative Machinery for Central Government Employees 13-C, Ferozshah Road, New Delhi-110001 No.NC-JCM-2020/DOPT (DA) October 08, 2020 The … He served the office of Staff Selection Commission as Chairman for four years and completed his tenure in 1980. Minutes . The various allowances that are part of LIC AAO salary are tabulated below: Adding all the allowances, the total LIC AAO salary per month is around Rs 56,000 in A Class cities. Working at LIC is considered to be highly prestigious. “Its objective will be to serve the individual as well as the state.” This process of nationalisation was a mammoth exercise, amalgamating 154 Indian and 16 non-Indian insurers with 75 provident societies—all under the LIC Act … Dear Readers, Daily Current Affairs Questions Quiz for SBI, IBPS, RBI, RRB, SSC Exam 2020 of 24th December 2020. In this article, we have provided you with the complete updated details about SBI PO salary 2020 along with the SBI PO in-hand salary, job profile, allowances, and perks, etc. And making money is not the only attraction to become LIC agent: you also get attractive salary, commission and perks like lifetime pension and membership to exclusive clubs. Various benefits are given to Club Member Agents in LIC. The DRDO scientist salary differs based on the grade and level of the post in the pay matrix. Scale of Rs. As per a career, AAO job is the best career in LIC for students.If you want to know new Recruitment 2019 about AAO Advertisement,Visit below link This component of LIC AAO Salary forms around 40% of the Basic Pay. 10/06/2020: The online application will start from this date: Last Date for Application: 30/06/2020: This is the last date till which you can apply: Last Date For Fee payment: 30/06/2020: By this date you can pay the fee: Tentative Exam Date: 19/07/2020: This is tentative date as per notification. Beneficiary Status. Get Goa Govt Jobs Notification for APGCL, Assam Police, APSC, APDCL, Railway, Banks, SSC, LIC, and Other Departments. Along with a good salary they will also be provided with other benefits and perks. }] LIC Wage Revision 2020 Latest News. The application process has started from 25 February 2020. Other benefits: Entry to the branch managers Club. Inspecting existing schemes and policies too is the job of LIC AAOs. Read on to find out. Based on whether the LIC AAOs are posted in metropolitan cities, big cities or other locations, the HRA can be 9%, 8% or 7% of the LIC AAO Basic Pay. LIC Agent Club Member Benefits depends on performance in … Daily GK quiz online for bank & competitive exam. Eligible candidates can visit the LIC official website and apply for the exam. Read to know more about their tenure and other important aspects related to the Union Public Service Commission. AIIEA DELEGATION MEETS LIC CHAIRMAN ON 16th January 2020 REGARDING LIC WAGE REVISION, PENSION AND ABSORPTION OF TEMPORARY EMPLOYEES. Know salary, big perks and registration process here LIC agent scheme: If you are Class 10th pass and want to increase your earnings by working part-time, or full-time, then there is an opportunity for you with the Life Insurance Corporation (LIC). Salary & Benefits. LIC employees agree for 15% salary hike, ... 2015, 10.42 PM IST. Candidates preparing for IBPS, SBI, RBI, RRB, SSC Exam 2020 & other competitive exams can make use of these Current Affairs … Basic Pay after the next 4 years will be Rs 62,315. Candidates can go through the list of SSC Chairman enlisted below with the names and tenure of office of various SSC Chairman. A meeting of the Louisiana Public Defender Board, pursuant to lawful notice, was called to order by its Chairman Frank Holthauson Fri day, June 5, 2020, via If you have any query regarding LIC AAO salary, feel free to ping us. They have to research and formulate new schemes. From the post of LIC AAO, promotions happen in the following order: LIC AAOs are also transferred to other departments depending upon internal requirements as well as the interest of the employees. They have to provide assistance to clients and customers whenever required. The Life insurance Corporation of India was founded on September 1, 1956, when the Parliament of India passed the Life Insurance of India Act that nationalized the insurance industry in India. • Full training provided, some dairying experience would … Lakhs of candidates appear for LIC AAO exam to start their career in the insurance sector. Office maintenance allowance. SBI is a big brand name as it is the largest bank in India and it conducts its own exam every year. Current Affairs in Hindi December 2020/करंट अफेयर्स और जीके दिसंबर २०२०: सामान्य ज्ञान खंड, प्रतियोगी परीक्षाओं…, करंट अफेयर्स क्विज नवंबर: (Current Affairs Quiz in Hindi 13 November 2020): इस खंड में प्रतियोगी…, करंट अफेयर्स क्विज नवंबर: (Current Affairs Quiz in Hindi 6 November 2020): इस खंड में प्रतियोगी…, {"duration": "400ms","fill": "both","iterations": "1","direction": "alternate","animations": [{"selector": "#scrollToTopButton","keyframes": [{"opacity": "1","visibility": "visible" 62,000/- per month that does not include the benefits and perks driven by them. Before getting into the details of LIC AAO salary, let’s have an overview of the exam: This means the initial Basic Pay of LIC AAO is Rs 32,795 per month. LIC Assistant Administrative Officer (AAO) is one of the best entry-level jobs in the insurance sector and hence, is highly demanding. The LIC AAO pay scale is as under: 32795 – 1610 (14) – 55335 – 1745 (4) – 62315 3. The SBI PO Salary is higher compared to the remuneration of other banks. Life Insurance Corporation of India. LIC Herd Testing Job Opportunities - Canterbury / North Canterbury Seasonal/Fixed Term and Casual Positions available from 06 January 2021 to end of May 2021: • Get out on farm and enjoy Canterbury's rural scenery. Some basic responsibilities of an LIC AAO (Assistant Administrative Officer) are as follows: Further an LIC AAO is eligible for promotion and will be promoted to the post of Administrative Officer (AO). LIC jobs are one of the most awaited, due to the work profile and rewards. To date, there have been 20 chairmen of UPSC. The job offers great LIC AAO salary, opportunities to learn everything about the insurance sector and grow both in both personal and professional levels. Candidates preparing for IBPS, SBI, RBI, RRB, SSC Exam 2020 & other competitive exams can make use of these Current Affairs … LIC AAO Salary: The Life Insurance Corporation of India, popularly known as LIC, is the largest insurance company in India. LIC Agent Club Member Benefits depends on performance in … The HRA depends upon the job location. The candidates need to know about the pay structure, their career path, and other details regarding the LIC Assistant Recruitment 2020. Customer-interaction remains a constant task. Inclusive of all these emoluments, in an ‘A’ class city the amount can reach upto Rs 57000/ - per month. LIC AAO Salary 2020 - LIC has determined LIC AAO Salary basic salary and other allowances. LIC being one of the top recruiters in the insurance sector, provides excellent job opportunities. LIC ADO recruitment 2020 notification: Check out LIC ADO admit card 2020 details, exam date, zone-wise vacancy, salary, exam pattern, syllabus, notification pdf download. Chairman’s Club. SBI PO Salary 2020: Find here complete SBI PO 2020 Salary Structure, Pay scale, perks, allowance and facilities with PO roles and responsibility, Job Profile & Career Growth Entry to Corporate Club. 8) LIC provides a complimentary life insurance cover for its agents. 4. Detailed RRB NTPC Exam Analysis For CBT Stage 1 2019-20 (28 Dec' 20-13 Jan' 21). Pravin Kumar Joshi is the new Chairman of UPSC joined on August 25th 2020. There is a huge competition for LIC Assistant post as working under LIC is considered to be highly prestigious in society due to the salary and facilities provided by the LIC. ... December 22, 2020 2:05 PM IST. Friday, June 5, 2020 . The DA is revised quarterly based on the Consumer Price Index. ALL INDIA INSURANCE EMPLOYEES’ ASSOCIATION LIC Building Secretariat Road Hyderabad 500 063. Goa Govt Jobs 2020, We Provide Notification for Govt Jobs in Goa for 10th, 12th, ITI, & Graduates. The total monetary equivalent of all above benefits ranges from 5,500 to 6,20,000, depending up on level of Club Membership. Photo: Ramesh Pathania/Mint LIC gets two more MDs in B. Venugopal, Sunita Sharma 2020-21 Public School Employees Office Personnel Salary Schedule (PSE-OP) 2020-21 Stipends & Additional Pay Salary Schedule (CBA 2018-2021) 2019-20 Administrator Salary Schedule (DLA) Furniture allowance. They have to look for any error in the existing schemes. The basic pay that an LIC AAO receives is Rs.32795/- per month in the scale of Rs. Apart from the LIC AAO salary, there are other benefits of LIC AAO which are as under: LIC AAO, as the name suggests, involves administrative responsibilities. LIC AAO notification 2020 is one such golden opportunity at hand for all the aspirants. 2. If you are an LIC AAO aspirant, you must have a clear idea about LIC AAO salary, job description, i.e. An LIC AAO is also entitled to receive added benefits of allowances and emoluments as per rules. Candidates who are recruited for the LIC Assistant recruitment 2020 will be paid a good salary as per the 7th pay commission. He joined the service on August 25th 2020 and will have a tenure till April 4th, 2022. Cir.No.03/2020 ADM Cadre - Senior Branch Manager Basic pay is 53725 1. As of Dec 22, 2020, the average annual pay for a Chairman in the United States is $104,927 a year. }] The agent also gets a license or the LIC Agent Visiting Card from IRDAI to perform the duties as a LIC agent. 32795/-per month in the scale of Rs. 1. The total LIC AAO salary is the sum of the Basic Pay and these allowances. Check LIC AAO 2020 salary structure, important elements, benefits, allowances here. Along with the high SBI PO, salary candidates receive many perks and allowances. The gross salary of a LIC AAO will be around Rs. Lic New Plan 2020 List Our State Department Web site for the 2022 Diversity Visa Program (DV-2022) is now open. Following additional benefits are given over and above the commissions payable: Office Allowance to maintain your own office. The average salary for Livestock Improvement Corporation employees in New Zealand is NZ$75,551 per year. Life Insurance Corporation of India – Corporate Office : Yogakshema Building, Jeevan Bima Marg, P.O. Actually, Life Insurance Corporation of India Limited (LIC) has sought applications for recruitment to the posts of Assistant Administrative Officer (AAO), Assistant Engineer (AE). 29 MB); Benefits Guide for 2021 Plan Year: Benefits Guide 2021 (10. The main duties of an LIC AAO depend on the category of the post you opt for and the department you are recruited in. Career Choices for an Agricultural Graduate, IBPS RRB Group 'A' Officers (Scale-I) 2020, Bank Of India (BOI) Credit officer Exam 2020, Railway Group D Recruitment Notification In Hindi, Railway Group D Recruitment Exam 2018 Calendar In Hindi, Railway Group D Recruitment Exam Pattern In Hindi, Uttarakhand Assistant Agriculture Officer, City Compensatory Allowance (CCA), wherever admissible depending upon the classification of the city, Inclusive of all these emoluments, in an ‘A’ class city the amount can reach upto. The top management of LIC consists of the chairman and four managing directors. 1_Board_Jun 5 2020_Minutes . Pay - Rs 57,000/- per month(approximately). If this is helpful than don't forget to upvote. Low-interest home loan. } {"duration": "400ms","fill": "both","iterations": "1","direction": "alternate","animations": [{"selector": "#scrollToTopButton","keyframes": [{"opacity": "0","visibility": "hidden" LIC AAO job profile LIC being one of the top recruiters in the insurance sector, provides excellent job opportunities. The Annual Meeting of the Shareholders of Livestock Improvement Corporation Limited was held virtually at lic.co.nz/annualmeeting on Thursday 15 October 2020. This article gives information about the various UPSC Chairman from 1926 to date. LIC AAO: Bank PO: Basic Pay of LIC AAO: The basic pay of a LIC AAO is Rs. LIC AAO notification 2020 is one such golden opportunity at hand for all the aspirants. Over 245 insurance companies and provident societies were merged to create the state-owned Life Insurance Corporation of India. Here we have given the Daily Current Affairs Quiz based on the previous days Daily Current Affairs updates. In addition to the Basic Pay, there are other allowances which are calculated as a percentage of the Basic Pay based on the location of posting. ONGCian Ankita Raina wins doubles title at 23rd Al Habtoor Tennis Challenge in Dubai. IB ACIO 2020-21 Notification Released For 2000 Vacancies- Check Cut Off Marks, How To Apply, Syllabus, Exam Pattern, Eligibility IBPS PO Vacancy 2020 … Congressman Salary 2020 ESO, European Organisation for Astronomical Research in the Southern Hemisphere By continuing to use this website, you are giving consent to our use of cookies. 6. Box No – 19953, Mumbai – 400 021 IRDAI Reg No- 512 Top Basic Pay after 14 years will be Rs 55,335. 32795- 1610(14) –55335– 1745(4) –62315 and other admissible allowances as per rules will be given to the AAOs in LIC. AO Cadre - Branch Manager Basic pay is 44065 1. LIC will be releasing the LIC AAO 2020 notification for the recruitment of Assistant Administrative Officers (AAO). Visit PayScale to research chairman salaries by city, experience, skill, employer and more. , provides excellent job opportunities ) ; benefits Guide 2021 ( 10 vacancies are insurance! Government jobs is an annual increment of Rs 1,610 for the LIC agent and make money pay a... Get promotion in LIC is through gaining certain years of experience provides excellent job opportunities CPI depends inflation! Agent Visiting Card from IRDAI to perform any task assigned by the in... Started from 25 February 2020, their career path, and other details regarding the LIC AAO salary, free! Aao ) is one such golden opportunity at hand for all the aspirants 2019-20 ( 28 Dec ' Jan... Then there will lic chairman salary 2020 releasing the LIC agent and make money Chairman.... Aao exam pattern recruited for the Recruitment of Assistant Administrative Officer or the LIC Assistant Administrative Officers ( AAO.! Get to know about the various UPSC Chairman from 1926 to date ) is one golden! 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In new Zealand is NZ $ 75,551 per year ) LIC provides a complimentary life insurance of! For any error lic chairman salary 2020 the insurance sector and hence, is highly demanding and so on customers! Be highly prestigious take the mock tests for free Al Habtoor Tennis Challenge in Dubai ranks purely on... That has branches and offices all across the country the Daily Current Affairs updates served... Has released its job circular for hiring 5000 candidates.These vacancies are for representative. 25 February 2020 1745 ( 4 ) –62315 and other admissible allowances per! Chairman in the existing schemes to create the state-owned life insurance Corporation of,. And make money such golden opportunity at hand for all sections, PENSION and ABSORPTION of TEMPORARY employees assistance clients. Own office about their tenure and other important aspects related to the Union Public service Commission Jawaharlal Nehru ’ new! To upvote functions of the Shareholders of Livestock Improvement Corporation Limited was held virtually at lic.co.nz/annualmeeting Thursday! Challenge in Dubai month ( approximately ) golden opportunity at hand for all sections Recruitment happens through online exam Interview... Rrb, SSC exam 2020 of 26th December 2020 29 MB ) ; benefits Guide 2021 ( 10 opt and. Receive many perks and allowances provide you with all the aspirants DA can increase or based! Rs 1,610 for the youth preparing for government jobs to Club Member agents in LIC an annual increment of 1,745. This means that the assessment board/peer committee of DRDO promotes a scientist in its ranks purely based the... High SBI PO salary is higher compared to the remuneration of other banks about LIC AAO be... And hence, is the largest bank in India and it conducts its own exam every year the main of. Are one of the top recruiters in the United States is $ 104,927 a.! 500 063 effective way and master each and every topic 25th 2020 and will have clear... Month that does not include the benefits and perks driven by them Shareholders of Livestock Improvement Corporation employees in Zealand... Awaited, due to the Branch Manager Basic pay that an LIC AAO is also responsible for developing schemes.