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 "Andhra Pradesh Government Life Insurance Fund". The first Managing Committee meeting after formation of Andhra Pradesh State consisting of 4 members, one Secretary and a President was held on 25-9-1957 and Sri B.Gopala Reddi, the then Honorable Finance Minister was President of the meeting.

APGLI Scheme is a Social Security Measure for the welfare of the Government employees and is mandatory for all Government employees and provincialised Local Body employees.

APGLI Department is under the Administrative Control of Finance Department.

Salient Points
1
The Government employees who are between 21 and 53 years of age are eligible for taking   APGLI Policies.
2
The APGLI Department issues only Endowment Policies which mature one day before attaining(58) years of age.
3
APGLI policies do not lapse.
4
The Premium rates are low.
5
APGLI Premium is exempted from income tax under section 80C.
6
Attractive Bonus rates.
7
The present rate of Bonus is Rs 100/- for every Rs 1000/- Sum Assured per annum.
8
The Loans are sanctioned up to 90% of Surrender Value.
9
Only Simple Interest of 9% per annum is charged against loans sanctioned.
10
In case of maturity of the policy, the total Sum Assured and Bonus till Date of Maturity are paid to the policy holder.
11
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.
12
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.

 The following are the compulsory Premium Slab Rates:

Slab Rates
Pay Slabs (In Rupees)
  Compulsory Premium Rate (In Rupees)
6700-8440
250
8441-10900
350
10901-14860
450
14861-18030
600
18031-25600
750
25601 and above
1000


Issue of Policies
1
After deduction of first Premium, the employee has to fill up and submit a proposal form duly signed and attested by his/her DDO/Head of office for obtaining APGLI policy.
2
In respect of second or subsequent policies also, the policy holder has to submit proposal forms and obtain subsequent policies.
3
Only premium payment without submission of proposal form will not give any risk coverage or monetary benefit to the subscriber and such payments will be treated as unauthorized amounts which will be refunded on application with out any interest or bonus.
4
Employees who have completed (53) years of age are not eligible to take APGLI policies(first or subsequent).
5
Proposals submitted after(53) years of age will not be considered for issue of policies even if premiums are paid prior to 53 years of age.


Remittance of premium
1
Head of the Account of APGLI Department:

8011-105-01.
·          Major Head 8011 – Insurance and Pension Funds.
·          MH 105 – State Government Insurance Fund.
·          SH (01) – Andhra Pradesh State Government Life Insurance Fund.

2
The premium is recovered at source in the salary bills of the employees and the details are sent through schedules.
3
The employees whose salaries are not paid through Treasury/PAO and who have  to pay the premium through Challan have to credit the premium to the above head of the account.
4
Please quote the department service head and also DDO number in the Challan.

Duplicate Policy Bond
1
The employee has to request his/her DDO to deduct One rupee extra in addition to regular premium in the salary schedules for one time only.
2
After deduction, the employee has to submit a declaration form on a paper stating that he/she has lost the policy or the policy is destroyed and that he/she has not mortgaged the policy anywhere. This declaration has to be signed by him/her and attested by DDO / Head of the Office.
3
The employee has to submit the above declaration form along with the copy of the monthly schedule to the respective District Insurance Office for obtaining the duplicate policy.

Clearance of Missing Credits
1
For clearance of missing credits, the subscriber has to submit the places of posting with deduction particulars such as Month, Amount of Premium/Loan Installment, Token Number/Voucher Number, Total Amount of APGLI schedule attested by the DDO.
2
In case of challan remittance, the subscriber has to submit the places of posting with the deduction particulars such as month, amount of Premium / Loan Installment, Challan number,Challan amount and date attested by DDO, along with full details of Policy numbers and names of the employees for whom the challan is paid.
How to avoid Missing Credits
1
The Drawing Officers have to verify the correctness of the APGLI policy numbers in the schedules with reference to the policy bonds issued by the Department. If wrong Policy numbers are quoted in the schedules, the premium cannot be posted to the individual accounts and missing credits will arise.
2
The correct policy numbers once recorded in the schedules should not be changed every month.
3
The employees also have to verify the correctness of their policy numbers mentioned in the monthly schedule at least once in a year.
4
The policy number may be recorded in the first page of SR(Service Register) of the employee as a permanent record.
5
The Drawing Officers may depute the concerned establishment staff to the respective District Insurance Office for updation of premiums in case of missing credits.

ü  Important Forms relating to APGLI  ::
Name of the Form
1. Proposal for Insurance on Own Life
Download
2. Nominee Form
Download
3. Declaration on Loss of Policy
Download
4. Loan Application Form
Download
5. Refund Form-Other than Death Claim
Download
6. Refund Form - Death Claim
Download
7. Departmental Information Form
Download
8. Death Certificate (Insurance)
Download
9. Affidavit(Insurance)
Download
10. Guardianship Form
Download
11. GO Copy for Enhancement of Premium upto 20%
Download
12. APGLI Missing Credits Proforma
Download
13. APGLI Further Bond Application
Download

ü  Important government orders
Sno
Details of Government Order
1
GO.2931_Online Payment of Loans and Claims of APGLI Fund
Download
2
Declaration of simple reversionary bonus to the Policy holders of Andhra Pradesh
Government Life Insurance Department
Download
3
G.O.Ms.No. 16, Dt. 17.02.2011 - Enhancement of Insurable Age from (48) years to (53)
Download
4
G.O.Ms.No. 25, Dt. 03.03.2011 - Extension of APGLI Scheme to the Municipal Employees including Municipal Teachers except the employees of GHMC, GVMC and VMC
Download
5
G.O.Ms.No. 231, Dt. 28.06.2010 - Revision of Pay Scales for Deduction of APGLI
Download


ü APGLI Online information links ::

a.    APGLI Policy Details       :        Download
         
b.   APGLI Account Slips       :        Download
 
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