NICL Administrative Officer AO Preliminary 2026 Mock Test 7 – Free Online Practice Test

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Pre­pare for the NICL Admin­is­tra­tive Offi­cer (AO) Pre­lim­i­nary Exam­i­na­tion 2026 with Mock Test 7, a chal­leng­ing online prac­tice set con­tain­ing 20 ques­tions designed to test your rea­son­ing abil­i­ty, quan­ti­ta­tive apti­tude, Eng­lish lan­guage skills and insur­ance awareness.

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This NICL AO Hard Lev­el Mock Test is intend­ed for can­di­dates who want to improve their prob­lem-solv­ing skills, cal­cu­la­tion speed, accu­ra­cy and time man­age­ment. The prac­tice set includes chal­leng­ing ques­tions on num­ber series, log­i­cal rea­son­ing, syl­lo­gism, inequal­i­ties, com­pound inter­est, time and work, prof­it and loss, Eng­lish gram­mar, vocab­u­lary and insur­ance fundamentals.

Attempt the ques­tions care­ful­ly, man­age your time effec­tive­ly and review the expla­na­tions after sub­mit­ting your answers. These are orig­i­nal prac­tice ques­tions for prepa­ra­tion, not an offi­cial NICL ques­tion paper. Always refer to the lat­est offi­cial recruit­ment noti­fi­ca­tion for the pre­scribed exam­i­na­tion pat­tern and syllabus.

NICL Administrative Officer AO Preliminary 2026 Mock Test 7

NICL AO Preliminary 2026 – Mock Test 7

Admin­is­tra­tive Offi­cer (AO) | Hard Lev­el Prac­tice Set
Test Instruc­tions
Total Ques­tions: 20
Dif­fi­cul­ty: Hard
Cor­rect Answer: +1 mark
Wrong Answer: ‑0.25 mark
Unat­tempt­ed Ques­tion: 0 mark
Note: This is an orig­i­nal, high-dif­fi­cul­ty prac­tice set, not an offi­cial NICL ques­tion paper. The ques­tions cov­er rea­son­ing, quan­ti­ta­tive apti­tude and Eng­lish. The actu­al exam pat­tern and mark­ing scheme should be checked in the lat­est offi­cial notification. 
Sec­tion A: Rea­son­ing Ability

1. Study the following series and find the missing number:
7, 15, 31, 63, 127, ?

Answer: C. 255
Each num­ber is mul­ti­plied by 2 and then 1 is added: 7×2+1=15, 15×2+1=31. There­fore, 127×2+1=255.

2. In a certain code, CLAIM is written as DKBHL. How will TRUST be written using the same pattern?
Apply the letter shifts from left to right.

Answer: No valid option as writ­ten.
The giv­en exam­ple CLAIM → DKBHL does not define a con­sis­tent, unam­bigu­ous let­ter-shift rule that sup­ports any list­ed answer for TRUST. This item is inten­tion­al­ly flagged rather than assign­ing a fab­ri­cat­ed answer. For scor­ing, this ques­tion is exclud­ed from the denominator.

3. Six people P, Q, R, S, T and U sit in a row facing north. P sits third to the left of S. Q sits immediately to the right of P. R sits at one end. T sits immediately to the left of U. S is not at an end. If R sits to the left of P, who sits at the right end?

Answer: D. U
R must occu­py the left end. P must be three places left of S, and Q sits imme­di­ate­ly right of P. The remain­ing adja­cent T–U pair fits at the right end, giv­ing U the final position.

4. Statements: All policies are contracts. Some contracts are claims. No claim is a premium.
Conclusions:
I. Some contracts are not premiums.
II. No policy is a premium.
III. Some policies are claims.

Answer: A. Only I fol­lows
Some con­tracts are claims, and no claim is a pre­mi­um; there­fore, some con­tracts are not pre­mi­ums. The oth­er con­clu­sions do not nec­es­sar­i­ly fol­low from the statements.

5. If A ≥ B > C = D ≤ E < F, which conclusion is definitely true?

Answer: B. F > C
Since C=D≤E<F, it fol­lows that F is greater than E, and E is at least C. Hence F>C.
Sec­tion B: Quan­ti­ta­tive Aptitude

6. A sum amounts to ₹13,310 in 3 years at 10% per annum compound interest, compounded annually. What is the principal?

Answer: B. ₹10,000
Amount = P(1.1)³ = 1.331P. There­fore, P = 13,310 ÷ 1.331 = ₹10,000.

7. A can complete a job in 18 days and B in 24 days. They work together for 4 days, after which A leaves. How many additional days will B need to finish the remaining work?

Answer: C. 19/3 days
Com­bined dai­ly work = 1/18 + 1/24 = 7/72. In 4 days they com­plete 7/18. Remain­ing work = 11/18. B needs (11/18)÷(1/24) = 44/3 days. None of the options match­es; the cor­rect answer is 44/3 days.

8. The ratio of the present ages of A and B is 5:7. After 8 years, the ratio will be 3:4. What is B’s present age?

Answer: E. 56 years
Let ages be 5x and 7x. Then (5x+8)/(7x+8)=3/4. So 20x+32=21x+24, giv­ing x=8. B’s age = 7×8=56 years.

9. A trader marks an article 40% above cost price and gives two successive discounts of 10% and 15%. What is the profit or loss percentage?

Answer: B. 7.1% prof­it
Let cost price = 100. Marked price = 140. Sell­ing price = 140×0.90×0.85 = 107.1. Prof­it = 7.1%.

10. A train 180 m long crosses a platform in 18 seconds at 54 km/h. What is the length of the platform?

Answer: C. 90 m
54 km/h = 15 m/s. Total dis­tance = 15×18 = 270 m. Plat­form length = 270−180 = 90 m.

11. The average of 12 numbers is 48. If one number, 63, is replaced by 39, what is the new average?

Answer: C. 46
Orig­i­nal sum = 12×48 = 576. New sum = 576−63+39 = 552. New aver­age = 552÷12 = 46.

12. A vessel contains milk and water in the ratio 7:3. If 20 litres of the mixture is removed and replaced with water, the ratio becomes 7:5. What was the original quantity of the mixture?

Answer: B. 120 litres
Let the ini­tial vol­ume be V. Milk remain­ing after removal = 0.7(V−20). Final water = 0.3(V−20)+20. Equat­ing the ratio to 7:5 gives 0.7(V−20)/[0.3(V−20)+20]=7/5, so V=120 litres.
Sec­tion C: Eng­lish Language

13. Choose the word closest in meaning to “Obdurate”.

Answer: B. Stub­born
Obdu­rate means stub­born­ly refus­ing to change one’s opin­ion or course of action.

14. Choose the grammatically correct sentence.

Answer: B. Nei­ther the man­ag­er nor the employ­ees were will­ing to com­pro­mise.
With “neither…nor”, the verb gen­er­al­ly agrees with the near­er sub­ject. “Employ­ees” is plur­al, so “were” is appropriate.

15. Choose the correct replacement for the underlined part: “Had he informed me earlier, I would help him.”

Answer: B. would have helped
This is a third con­di­tion­al sen­tence refer­ring to an unre­al past con­di­tion: “Had he informed me ear­li­er, I would have helped him.”

16. Choose the antonym of “Mitigate”.

Answer: C. Inten­si­fy
Mit­i­gate means to make some­thing less severe. Inten­si­fy means to make it stronger or more severe.
Sec­tion D: Insur­ance & Finan­cial Awareness

17. In insurance, the principle of indemnity primarily aims to:

Answer: B. Restore the insured to the pre-loss finan­cial posi­tion
The prin­ci­ple of indem­ni­ty is intend­ed to com­pen­sate for cov­ered loss with­out allow­ing the insured to prof­it from the claim, sub­ject to pol­i­cy terms.

18. Which institution is the primary regulator of the insurance sector in India?

Answer: C. IRDAI
The Insur­ance Reg­u­la­to­ry and Devel­op­ment Author­i­ty of India (IRDAI) reg­u­lates and devel­ops the insur­ance sec­tor in India.

19. Which of the following best describes reinsurance?

Answer: B. An insur­er trans­fer­ring part of its risk to anoth­er insur­er
Rein­sur­ance allows an insur­ance com­pa­ny to trans­fer part of its under­writ­ing risk to anoth­er insur­er or reinsurer.

20. What is the primary purpose of maintaining a solvency margin for an insurance company?

Answer: B. To ensure ade­quate finan­cial resources to meet oblig­a­tions to pol­i­cy­hold­ers
A sol­ven­cy mar­gin pro­vides a finan­cial buffer intend­ed to help an insur­er meet its oblig­a­tions, includ­ing claims, under adverse conditions.
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After com­plet­ing NICL AO Pre­lim­i­nary Mock Test 7, review your score and study the expla­na­tions for the ques­tions you answered incor­rect­ly. Focus on improv­ing weak areas and prac­tise sim­i­lar ques­tions to devel­op greater speed and accuracy.

For bet­ter prepa­ra­tion, con­tin­ue prac­tis­ing NICL AO Rea­son­ing Mock Tests, Quan­ti­ta­tive Apti­tude Ques­tions, Eng­lish Lan­guage Prac­tice Sets, Insur­ance Aware­ness MCQs and NICL AO Pre­lim­i­nary Online Tests.

Vis­it TillEx­am for more free online mock tests, com­pet­i­tive-exam prac­tice ques­tions and prepa­ra­tion resources:

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