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One of the longest running Social Security Schemes in existence is the Andhra Pradesh Government Life Insurance (APGLI), APGLI Bond, plan that concentrates on Government employees and their welfare. Being a subscribed member of the Andhra Pradesh Government Life Insurance scheme has many benefits for Government employees as listed below:

• 1. Premium Rates: APGLI premium rates are low.

• 2. Policy Bonds: APGLI Policy Bonds do not lapse.

• 3. Bonus Rates: APGLI offer appealing bonus rates.

• 4. Surrender Value Loans: With an APGLI Bond policy loans can be requested for up to ninety percent (90%) of the surrender value.

• 5. Income Tax Exemptions: Under section 80C of the Government Tax act APGLI Bond premiums are exempt from income tax.

• 6. Insurable Age: The APGLI insurable age has increased to fifty-three (53)

• 7. Maturity Payments: With an APGLI policy, APGLI Bond, the entire sum assured, plus bonuses to the date of maturity, are paid to the policyholder when the policy has matured.

• 8. Stepping Down as a Government employee: When the policy holder finishes their employment with the government, by retirement or resignation, the surrender value, APGLI Bond, plus all relevant policy bonuses, will be paid with no more premium payments applicable.

• 9. Other Employees Who Qualify: Municipal employees, and that includes teachers, are qualified to apply for an APGLI Bond policy.

• 10. Deceased Policyholders: In circumstances where policyholders pass away, before the policy has matured, the sum assured, along with any relevant bonuses will be paid to the legal heir of the deceased policyholder.

• 11. Maximum Premiums: Irrespective of slab rates the maximum contributions that InsuState Government employees can contribute for a premium is twenty percent (20%) of their basic APGLI slips salary for an APGLI Bond.


During 1907, in the state of Hyderbad, the scheme was first introduced by the late Nizam who wanted to provide some kind of benefits for employees. Named the Family Pension Fund, organised by and initially run by a management committee, until 1913 when the name changed to the Hyderabad State Life Insurance Fund. With the formation of the State of Andhra Pradesh the name changed again to the Andhra Pradesh Life Insurance Fund. At this present time the Andhra Pradesh Government Life Insurance Department manage the APGLI Fund/APGLI Bond.


The Andhra Pradesh Government Life Insurance is completely controlled by the Andhra Pradesh Government Insurance Directorate. This administration also has complete control over all management concerns, for all district insurance office, APGLI Bond issues. The APGLI Directorate and district offices major functions include:

• 1. Loan Sanctions.
• 2. Claim Settlements.
• 3. Issuing Polices.
• 4. Posting Scheduled Premiums.


Only employees from the Andhra Pradesh Government can make an application for an APGLI Bond. To execute an complete the application form and submit it to the relevant APGLI Bond application district insurance office.


When a new Government employee receives their first pay cheque, APGLI slips, and a deduction is calculated for their first premium payment, the new employee has to complete an application proposal. The DDO/ Head of Office is authorized to sign off on this document. If the policyholder would like additional polices each one has to follow the same process as the first one.


Payments are made in conjunction with the APGLI Head of Account Department. Major Head 8011-105-1 Insurance and Pension Funds. MH 105 Government State Insurance Fund and SH (01) Andhra Pradesh State Government Life Insurance Fund.

Employees contributions are collected as deductions from their salary payments, APGLI slips, with all the details being sent through the correct departments with the required mandatory paperwork. In situations where employees salaries bypass the Treasury/PAO premiums are required to be passed the Challan process where the premium credit is allocated to the head of the account. One very important factor to remember is that if a premium is deducted from a salary, but is not included on the mandatory submission form, then there is no premium and the policyholder runs the risk of not receiving any benefits. These kinds of unaccounted for deductions are considered unauthorized transactions which will only be refunded on request with no interest or bonus additions. For any policyholder, who makes any APGLI Bond policy contribution, it is important to contact the district insurance office to make sure all the setup procedures are complete.

Note for fifty-three + (53+) year old employees.

• For all Government employees, who are fifty-three (53) years old and over, the APGLI Bond policy is not applicable as the age limit to apply has passed. If an employee, passed the maximum age limit, makes a submission for a proposal it will not be taken into consideration.


The APGLI obligatory Premium Slab Rates are listed below

Slab Pay Rates in Rupees        Obligatory Premium Rates in Rupees
6,700 to 8,440                                            250
8,441 to 10,990                                          350
10,901 to 14,860                                        450
14,861 to 18,030                                        600
18,031 to 25,600                                        750
25,601 and above                                   1,000


Without a doubt, the ability to apply for a loan against the surrender value of an APGLI bond policy is a major benefit and the loan taken out can be up to ninety percent (90%) of the bonds surrender value. The procedure for the loan application is to contact the APGLI office with the relevant application form completed. Another positive element of an APGLI loan is the very low-interest rate that accompanies. Nine percent (9%) per year against approved loans. Loan applications for APGLI bond loans contact the APGLI office with the relevant completed application form.

APGLI List of Office Contact Details


To download the APGLI Bond follow the next four steps:

• Step 1. Policy Number: The correct policy number, with no errors, has to be entered in the policy details area.

• Step 2. Suffix Selection: From the drop-down box the employee has to select the correct suffix which is below the policy number.

• Step 3. Policy Bond Selection: The employee, once the correct number has been entered from below the suffix image, can then receive in the ‘Get Policy Bond’ section. Do not press enter.

• Step 4. Check the Bond: The bond will appear on the screen when all the details have been entered correctly.

Policy Bond


Should an employee require a duplicate policy bond the following steps have to be taken:

• Step 1. Payment to DDO: The cost for a duplicate bond is one (1) rupee and the employee as to make a request from the DDO to deduct this from their salary, APGLI slips, in addition to the regular premium payment.

Step 2. Declaration Form of Compliance: It is mandatory in these circumstances for an employee to complete a special declaration as to why they would like a duplicate. If the policy has been mistakenly destroyed or can’t be found. Confirmation is also required to prove that the policy has not been used for any kind of mortgage. The DDO – Head of Office will verify this once the employee submitted their signed declaration.

• Step 3. District Insurance Officer Submission: As part of the regular mandatory monthly reports, this declaration will be submitted to the District Insurance Officer.

For further information refer Company Vakil experts.

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