APGLI Andhra Pradesh Govt Life Insurance

Andhra Pradesh Govt Life Insurance Scheme (APGLI). Official Website is http://apgli.ap.gov.in. The APGLI Department is one of the oldest departments in the State. The Scheme was originally started in 1907 by the Nizam of erstwhile State of Hyderabad for the welfare of his employees. A Management Committee used to run the scheme initially in the name of Family Pension Fund. Later the scheme was renamed as Hyderabad State Life Insurance Fund in the year 1913. After formation of Andhra Pradesh State in 1956, the scheme was changed as “APGLI Andhra Pradesh Government Life Insurance Fund”. The official site of APGLI is www.apgli.ap.gov.in. Aim of APGLI Scheme is to ensure protection for the families of the deceased Govt. employees and to augment their resource at the time of retirement.

APGLI Andhra Pradesh Govt Life Insurance

             In 1956, the scheme was changed as "Andhra Pradesh Government Life Insurance Fund". APGLI Scheme is a Social Security Measure for the welfare of the Government employees and is mandatory for all Government employees and provincialized Local Body employees. APGLI Department is under the Administrative Control of Finance Department. During 1976, the department was reorganized by opening four Regional Offices, one each at Hyderabad, Warangal, Vijayawada and Kurnool. The District Insurance Offices have only one Gazetted officer either Assistant Director, Deputy Director or Joint Director, in each District Insurance Office who will head the Office, followed by non-gazetted staff.

APGLIF Rules Commencement: Dt. 03.01.1913

  • Rule 1: Name of the Rules: APGLIF Rules Commencement: Dt.03.01.1913
  • Rule 2: No new subscribers to Family Pension Fund
  • Rule 3: Omitted
  • Rule 4: Contracts under FPF shall continue
  • Rule 5: Definitions (i) Fund (ii) Proponent (iii) Insured (iv) Policy  (v) Pay (vi) Medical Officer (vii) Consulting Medical Officer
  • Rule 6: Endowment Insurance Only w.e.f.04.08.1964 . Policy will mature on attaining age of 55/58 yrs. Between 01.04.80 and 28.02.83 & from 23.08.1984 58 years Between 01.03.83 and 22.08.84 55 years
  • Rule 7: Omitted
  • Rule 8: Annual statement of accounts and Assets and Liabilities Report for every 3 years by Director
  • Rule 9: Finanace Dept. shall have powers for conduct of its business
  • Rule 10: Appellate Authority: Finance Dept.
  • Rule 11: Interest rate fixed by State Govt. annually
  • Rule 12: Audit of accounts by AG
  • Rule 13: Payments procedure
  • Rule 14: Payment to minor: Guardian (natural/legal)
  • Rule 15: Any dispute – interpretation – finance
  • Rule 16: Additions/deletions – Govt. is competent
  • Rule 17: Limit of Director
  • Rule 18: Policy value – Sum assured Eligibility, Subscription
  • Rule 19: Monthly subscription, Maximum
  • Rule 20: Enhancement
  • Rule 21: Omitted
  • Rule 22: Before completion – Continue/Surrender
  • Rule 23: Time limit for Rule 22: 3 months
  • Rule 24: If the pay reduces, No Reduction of premium
  • Rule 25: Medical examination – later – dispensed ( G.O.Ms.NO.286, F&P, Dt.03.11.86)
  • Rule 26: Cancelled
  • Rule 27: Medical Officer – duties
  • Rule 28: Medical Examination Repitition – expenses – self
  • Rule 29: Proposal acceptance – Subscription
  • Rule 30: Enhancement – Procedure
  • Rule 31: Nomination
  • Rule 32: Procedure for payment of surrendered value
  • Rule 33: Omitted
  • Rule 34: Nominee dies/alienates – procedure for payment
  • Rule 35: Retirement before maturity – payment procedure
  • Rule 36: Employee on leave – Recovery of premium
  • Rule 37: Ceased from service / foreign service – Payment of premium
  • Rule 38: Issue of duplicate policy
  • Rule 39: False information submitted – Policy status
  • Rule 40: In case of suicide within one year – policy will become null and void
  • Rule 41 to 44: Deleted
  • Rule 45: Loan Sanction – limits
  • Rule 46: Loan recovery – Instalments 12 – 48 (60)
  • Rule 47: Recovery of first instalment
  • Rule 48: Interest rates on Loans
  • Rule 49: Recovery of interest
  • Rule 50: Powers to Director, Recovery of Loan
  • Rule 51: Permanent Disability Benefit

APGLI New Slab Rates 2016 PRC 2015 GO 36 w.e.f 1.4.2016

Revised Slab Rates (Basic Pay Slabs)
Monthly Premium (Rs.)
Pay from Rs. 13000 to Rs. 16400 500/-
Pay from Rs. 16401 to Rs. 21230 650/-
Pay from Rs. 21231 to Rs. 28940 850/-
Pay from Rs. 28941 to Rs. 35120 1150/-
Pay from Rs. 35121 to Rs. 49870 1400/-
Pay from Rs. 49871 and above 2000/-
The Slab rates come into force with effect from 01.04.2016 and the above revised premium rates shall be recovered from the pay of March, 2016, payable on 01.04.2016 vide GO 36 Dated 05-03-2016

APGLI Information Links
Below are the Useful Information Links regarding APGLI Policies.

APGLI Forms, Policy Details and other Information

APGLI related all forms Download section. Doubts and Clarifications on APGLI .
Information Section on APGLI - Scheme

Salient Features of APGLI Andhra Pradesh Govt Life Insurance

  • The Government employees who are between 21 and 53 years of age are eligible for taking APGLI Policies. 
  • The APGLI Department issues only Endowment Policies which mature one day before attaining (58) years of age. 
  • APGLI policies do not lapse. 
  • The Premium rates are low. 
  • APGLI Premium is exempted from income tax under section 80C. 
  • Attractive Bonus rates. 
  • The present rate of Bonus is Rs 100/- for every Rs 1000/- Sum Assured per annum. 
  • The Loans are sanctioned up to 90% of Surrender Value. 
  • Only Simple Interest of 9% per annum is charged against loans sanctioned. 
  • In case of maturity of the policy, the total Sum Assured and Bonus till Date of Maturity are paid to the policy holder. 
  • The Policies are exempted from attachment of the court of law as well as Govt.dues, except the arrears of premium or loan etc.,
  • If the Policy Holder ceases to be Government servant, and decides to surrender the policy by discontinuing the payment of Premium, the subscriber will be paid the Surrender Value and the eligible Bonus. 
  • In case of Death of policy holder before maturity of the policy, the full Sum Assured along with Bonus till date of death are paid to the legal heirs.

Note for Applications for Final Settlements and Mobile alerts

Government vide Memo.No.1168/185/A2/Admn-II/2012,Finance(Admn-II) Department, date:14.09.2012, permitted the employees(as a special case to submit proposal forms upto 15.03.2013 for issue of fresh/enhanced policies for those) who are in-service and contributing Premiums prior to their completion of (53) years of age but Crossed (53) years and could not obtain policies.
Therefore,all the employees are requested to utilize this special facility to obtain policies by submitting the prescribed proposal form to the respective District Insurance Office on or before 15.03.2012
Subject to the following:-
a). They should be in service as on the date of submission of proposal form.
b). Commenced the recovery of Andhra Pradesh Government Life Insurence Premium prior to their attaining the age of (53) years and are still continuing to recover the amount after (53) years also,as on the date of submission of proposal form.
c). Should not have taken back,the excess amount,for non-issue of policy.
Any proposals submitted after 15.03.2013 will not be accepted and such premiums will be treated as unauthorized/excess amounts.

Note to Applicants submitting applications for Loan/Settlement of Claims:
All the Policy Holders are hereby requested to submit the following information while submitting applications for sanction of Loan/Settlement of Claim cases for making payment online & sending SMS.

  • 1).Employee I.D Number.
  • 2).Mobile Number.
  • 3).Xerox copy of First page of Saving Bank Pass Book to be enclosed to the application duly containing the following.

a).Showing Bank Account number
b).Bank branch name
c).IFSC Code
Otherwise such applications will be objected without processing in future.
Scheme for implementation with immediate effect as specified below: