UIIC AO Descriptive Test – Pattern, Cutoffs & Previous Questions

The UIIC AO exam is to be held on June 12, 2016 for the recruitment of administrative officers in United India Insurance Company (UIIC).Being a public sector bank, you can expect considerable competition among applicants for the 300 vacancies.Since many are new to appear for this insurance officers exam, we are explaining about the descriptive test pattern, previous questions & cutoffs to score.


Unlike banking exams that follow two stages of exam - preliminary & main, the UIIC AO recruitment 2016 will have one written test only.


As explained earlier about UIIC AO exam pattern, there will be two papers as part of the online test.They are:

  • Objective Test for 200 marks
  • Descriptive Test for 30 marks

Both papers would be conducted on the same day itself, one after other.All candidates should complete the two papers for their appearance to be counted.


Why Descriptive English Test for AO?

This is not a bank job,Then what is the purpose of descriptive test for AOs” is one question that many applicants asked us frequently.


According to the job profile of UIIC AO, the role of administrative officer involves writing letters explaining the reason for rejecting a claim or to communicate with other departments requesting for information on specific policies.


It is necessary that candidates posses basic english knowledge so they are able to present their views in the right meaning.Hence we are seeing bank & insurance exams specifying descriptive english as a qualifying paper.


Test Pattern & Cutoff Marks

The descriptive paper contains only 2 questions, which should be answered on the computer only.




In 30 minutes, you are required to type answers for both questions using the keyboard & submit.Also there will be internal choices for each, i.e. you can select any 1 question from 3 choices.


Cutoffs: Although the marks wont be considered for calculating final scores, candidates should secure the minimum marks in descriptive test as well to qualify for interviews.


UIIC has already declared the descriptive english exam cutoffs for AO recruitment 2016. The previous year cutoffs was also on in the same range.




For the upcoming AO exams, GEN/ OBC candidates need to score atleast 15 marks & SC/ST have to secure 13.5 marks for passing in descriptive test.


Even if any person has scored good marks in objective test but couldnt fetch the above cutoffs, they will still be disqualified from the entire selection process.


Previous Year Questions

To help you get an idea of the type of questions that are generally asked in descriptive section, here are some from previous AO exams.


Letter writing

  • Write a letter to your friend asking him to take an insurance policy
  • Write a letter to the editor of a newspaper about ragging issues
  • Letter to friend explaining about the benefits of health insurance
  • Write a letter to a friend about healthy food habits & avoiding junk food
  • Letter to an editor of newspaper complaining about the irregularities in the sale of blood in blood banks.

Essay writing:

  • Types of Insurance
  • How to provide insurance to all
  • Impact of Increasing FDI in insurance sector to 49%
  • Steps taken by government to increase insurance penetration
  • I don't want to take money of insurance out of the death of my children.Comment

As you can see from previous questions, they are mostly insurance based.So we suggest you to understand the various concepts & types of insurance to answer them.


Books to Prepare:

If you are looking for books on descriptive type answers, essays & sample letters – this is one of the most popular book from Arihant publications.descriptive english book review


It doesn't cover insurance topics but will help you know the format & rules about writing letters and essays for the descriptive test.


* Descriptive English Guide – Rs.190 – Click here to buy online


As this book is available as an old edition only, you would find certain irrelevant topics as well such as précis & report writing which are not part of this exam.


You may glance through them also to improve your english writing skills.

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