Today LIC functions with 2048 fully computerized branch offices, 8 zonal offices, around 113 divisional offices, 2,048 branches and 1408 satellite offices and the Central Office;[9] it also has 73[10] customer zones and 25 metro-area service hubs located in different cities and towns of India. It also has a network of 1,537,064 individual agents, 342 Corporate Agents, 109 Referral Agents, 114 Brokers and 42 Banks for soliciting life insurance business from the public.

The LIC has 22 departments each headed by an Executive Director namely Marketing, Bankassurance (B&AC), Corporate Communication, Personnel, CRM, Direct Marketing, E&OS, F&A, IT/BPR, Inspection, Investment, SBU/Estates, Investment Operations, P&GS, Actuarial, Chairman Sectt, F&A, Micro Insurance, RTI, HRD, Engineering, and Vigilance. [11]

The LIC has 8 Zonal Offices headed by a Zonal Manager(I/C) (Executive Director Cadre) who is one of the key decision-makers of the corporation after the Board




North Zone New Delhi
Central Zone Bhopal
East Zone Kolkata
West Zone Mumbai
South Zone Chennai
East Central Zone Patna
North Central Zone Kanpur
South Central Zone Hyderabad
The LIC follows a horizontal line of command & vertical line of command, while each department is headed by an Executive Director, the Zonal offices are headed by a Zonal Manager who oversees all the departments & divisions of the Zone – Making him De-facto CEO of the Zone. The zonal departmental heads are Regional Managers. Divisions are headed by Sr. Divisional Manager(I/C) who oversees all the departments & branches of the division. There are 3 layers of Horizontal Management namely Senior Divisional Manager(I/C), Zonal Manager(I/C) & the Chairman/MD. There are also 3 layers of vertical management namely Managers of Divisions, Regional Managers of Zonal Office & the Executive Directors of Central office. Horizontal Management is considered key managers of the corporation.



The Cadre list & Possible designations of Class 1 officers (Increasing order)
Cadre/Rank Name Posting Designations
Chairman Chairman
Managing Director Managing Director
Zonal Manager(Special) Zonal Manager(I/C), Executive Director, CEO of Subsidiary
Zonal Manager(Ordinary)(3 Year Cadre) Regional Manager, Chief, Director, CEO of Subsidiary
Sr Divisional Manager Deputy Zonal Manager, SDM(I/C), Principal, Faculty Member, Regional Manager, Secretary
Divisional Manager Chief Manager, DM, Secretary, Dy Secretary, Marketing Manager, Principal, Faculty Member
Assistant Divisional Manager Sr. Branch Manager (I/C), Sr. Branch Manager(Sales), Manager(Admin), Manager, Dy Secretary, Faculty Member
Administrative Officer Branch Manager(I/C), BM(SALES), AO
Assistant Administrative Officer ABM(Sales), AAO, PA, Deputy Manager,

Now LIC also has the 1899 branches of IDBI bank at its disposal thus it can carry out its insurance business through these branches of the bank.