NIACL AO Descriptive Paper 2021 Most Probable Essays and Letters

The NIACL AO Descriptive Paper 2021 Descriptive English Exam pattern:

Letter Writing – 10 Marks

Essay Writing – 20 Marks

Total Marks – 30

Total Time – 30 Min.

Most Probable Essay Topics:

  1. Climate Change and measures to control it
  2. Insurance Penetration: Challenges and opportunities
  3. The necessity of Insurance Policy
  4. Frauds in Insurance Sector: Measures to curb it
  5. Cashless Insurance – Steps to promote it
  6. Health Policy at the National Level
  7. Tourism Industry and its contribution to the Indian Economy
  8. Dropout in Schools: Its causes and prevention
  9. Benefits of the Social Media Platform
  10. Workplace Diversity
  11. Digital Currency is the need of the hour
  12. Post Covid Economy of India
  13. Fake News and preventive measures
  14. Digital India and its challenges
  15. Cashless Economy
  16. Online Education: Opportunities and Challenges
  17. Renewable sources of energy is the future energy
  18. Net Zero emissions of India by 2070
  19. Artificial Intelligence is easing life: Discuss
  20. Environmental pollution: A threat to the entire humanity


  1. Write a letter to your friend advising him to get his/her life ensured. Tell him/her of the benefits of an insurance policy.
  2. Write a letter to the editor of the newspaper telling the importance of developing sports infrastructure in India to create more Olympians.
  3. Write a letter to the credit card company requesting to change your address associated with a credit card.
  4. Write a letter to the Editor about the rampant cybercrime in your state.
  5. Write a letter to a Bank Manager requesting for an educational loan.
  6. Write a letter to your brother how health is wealth.