Army Group Insurance (AGI) is an important financial-security benefit available to Army personnel and their families. The scheme provides insurance protection during service and also provides maturity benefits, extended insurance cover and certain additional welfare facilities subject to the applicable AGIF rules and eligibility conditions.
The information below is based on the AGI benefit chart provided, and is particularly useful for serving soldiers, veterans, families of Army personnel and dependants who want to understand the broad benefits available under the Army Group Insurance scheme.
Important: Benefit amounts, eligibility conditions and applicable dates can change through subsequent AGIF/Army instructions. The figures in this article reproduce the information shown in the provided AGI chart and should be cross-checked with the latest official AGIF/Army instructions before making a claim.
Army Group Insurance (AGI): Key Benefits at a Glance
The AGI chart contains the following major benefits:
| Benefit | Particulars |
| AGI Insurance – Death Benefit | Up to ₹75 lakh |
| AGI Maturity Benefit | Contribution amount, as indicated in the chart |
| Extended Insurance | Available for specified periods/age limits depending upon date of discharge |
| Social Security Deposit (SSD) | Share of minor child kept in SSO by AGIF until the child attains 18 years |
| Specially Abled Sustenance Allowance | ₹6,000 per month, subject to specified conditions |
| CEA – Children Education Allowance | Full reimbursement through CW-3 at IHQ of MoD (Army) for BC; ₹33,750 per year for PC, as shown |
| PAI from Bank | As per bank |
| FSA & Leave Encashment | As applicable through Record Office/PAO (OR) |
| AGI for TA Personnel | ₹25 lakh, as specifically mentioned in the chart |
1. AGI Death Benefit – Insurance Cover up to ₹75 Lakh
One of the most important components of the Army Group Insurance scheme is the death insurance benefit.
As per the provided AGI chart, the death benefit under AGI is ₹75 lakh for both the categories shown as BC and PC.
This insurance protection is intended to provide financial support to the eligible beneficiaries in the unfortunate event of the death of a serving Army personnel, subject to the applicable AGIF rules and conditions.
AGI Death Benefit
| Category | Death Benefit |
| BC | ₹75 lakh |
| PC | ₹75 lakh |
The exact procedure for settlement of a death claim, eligible beneficiary and documentation depends upon the circumstances of death and applicable Army/AGIF instructions.
2. AGI Maturity Benefit
Apart from death insurance protection, the AGI scheme also provides a maturity benefit.
The chart states:
“Maturity Benefits – Contributed amount.”
This means that the maturity benefit is linked to the contribution made under the applicable AGI scheme.
Therefore, serving personnel should retain their relevant AGIF/service records and ensure that their contribution details are correctly reflected in their records.
3. Extended Insurance Benefit After Discharge
Another important facility mentioned in the AGI chart is Extended Insurance.
The amount and duration of extended insurance depend upon the applicable period of coverage. The provided chart gives the following schedule:
| Amount of Extended Insurance | Period shown in chart | Term of Cover |
| ₹15,00,000 | 01 Apr 2025 onwards | 30 years from discharge date / 75 years of age |
| ₹7,50,000 | 31 May 2022 to 31 Mar 2025 | 30 years from discharge date / 75 years of age |
| ₹5,00,000 | 31 Dec 2013 to 30 May 2022 | 30 years from discharge date / 75 years of age |
| ₹3,00,000 | 31 Jul 2010 to 30 Dec 2013 | 26 years from discharge date / 75 years of age |
| ₹2,00,000 | 29 Jun 2009 to 30 Jul 2010 | 26 years from discharge date / 75 years of age |
| ₹1,50,000 | 30 Dec 2004 to 29 Jun 2009 | 20 years from discharge date / 72 years of age |
| ₹1,00,000 | 30 Jun 1999 to 29 Dec 2004 | 20 years from discharge date / 70 years of age |
| ₹50,000 | 31 Mar 1994 to 29 Jun 1999 | 10 years from discharge date / 65 years of age |
| ₹30,000 | 31 Mar 1989 to 30 Mar 1994 | 10 years from discharge date / 65 years of age |
What does Extended Insurance mean?
Extended insurance is particularly relevant for retired Army personnel/veterans, because the insurance protection can continue beyond the period of active service for the applicable duration.
The applicable amount is linked to the period/date of discharge and the rules applicable to the individual.
Example
A person falling under the category shown for 01 April 2025 onwards has an extended insurance amount of ₹15 lakh, with the chart specifying coverage for 30 years from the date of discharge or up to 75 years of age, as applicable.
Veterans should therefore check their individual AGIF records rather than assuming that the same amount applies to every retiree.
4. No Extended Insurance Facility for TA Personnel
The provided AGI chart specifically states:
“No extended Insurance facility for TA Pers.”
Therefore, personnel belonging to the Territorial Army (TA) should not assume that the extended insurance benefit applicable to regular Army personnel is automatically available to them.
The applicable Territorial Army/AGIF provisions should be checked separately.
5. Social Security Deposit (SSD) Scheme for Minor Children
The AGI scheme also provides a Social Security Deposit (SSD) facility.
According to the provided information:
The share of a minor child is kept in SSO by AGIF until he/she attains 18 years of age.
This is an important provision from the perspective of financial protection of minor children.
It helps ensure that the eligible share belonging to a minor child is preserved until the child reaches adulthood, subject to the applicable rules.
6. Specially Abled Sustenance Allowance – ₹6,000 Per Month
The AGI chart mentions a Specially Abled Sustenance Allowance of ₹6,000 per month.
However, this benefit is subject to specific conditions.
The chart states that the allowance is granted to children of fatal-case soldiers according to the laid-down conditions, where:
- The disability is 40% and above.
- For two specially abled children of soldiers who died in service (harness) on or after 27 October 2007, the prescribed conditions apply.
- The child must be unable to earn a living.
Therefore, this benefit should not be interpreted as an automatic ₹6,000 monthly payment to every child of a deceased soldier. Eligibility depends upon the prescribed conditions and verification.
7. Children Education Allowance (CEA)
The AGI benefit chart also contains a provision relating to Children Education Allowance (CEA).
The table mentions:
| Category | CEA |
| BC | Full reimbursement through CW-3 at IHQ of MoD (Army) |
| PC | ₹33,750 per year |
The actual entitlement should be determined according to the applicable Army/AGIF rules and the child’s eligibility.
Parents/guardians should maintain the required educational documents, fee receipts and other supporting documents wherever required for claiming educational benefits.
8. PAI from Bank
The AGI chart also refers to PAI from Bank and indicates the benefit as:
“As per Bank.”
PAI generally relates to the personal accident insurance facility associated with the concerned bank arrangement. Since the amount and conditions can depend upon the bank and applicable insurance arrangement, beneficiaries should verify the specific policy/coverage with the concerned bank.
9. FSA and Leave Encashment
The chart also mentions:
FSA & Leave Encashment – As applicable
with responsibility shown as:
Record Office / PAO (OR).
Therefore, eligible personnel or their families may need to approach the concerned Record Office and/or PAO (OR) for processing of applicable financial entitlements.
The exact entitlement will depend upon the individual’s service records and applicable rules.
10. AGI Benefit for Territorial Army Personnel
The chart separately mentions:
AGI (TA Personnel): ₹25 lakh
This is shown as a specific AGI-related figure for TA personnel.
However, this should be read together with the applicable TA/AGIF provisions because the chart also specifically states that there is no extended insurance facility for TA personnel.
Therefore, TA personnel should verify their exact insurance coverage and claim conditions from the applicable official instructions.
AGI Insurance: Why Veterans Should Keep Their Records Safely
For veterans and families of Army personnel, maintaining proper records is extremely important.
Important documents may include:
- AGI-related documents
- Discharge Book
- PPO
- Service records
- Nomination details
- Bank account details
- Death certificate, where applicable
- Legal-heir/succession documents, wherever required
- Children’s birth certificates
- Disability certificates, where applicable
- Educational documents for eligible children
- Relevant Record Office correspondence
- AGIF claim documents and acknowledgements
In the event of a claim, proper documentation can significantly simplify the process.
AGIF Benefits for Veterans: Important Points to Remember
1. AGI is not only a death insurance scheme
The scheme includes several components, including:
Insurance + Maturity Benefit + Extended Insurance + Social Security Deposit + Welfare/Educational benefits, subject to eligibility.
2. Extended insurance depends on the applicable category
The extended insurance amount shown in the chart varies from ₹30,000 to ₹15 lakh, depending upon the relevant discharge period.
3. The ₹75 lakh figure relates to the death benefit shown in the chart
It should not be confused with the extended insurance amount applicable after retirement/discharge.
4. Minor children’s benefits deserve special attention
The SSD provision and specially abled child sustenance allowance can be particularly important for eligible families.
5. Do not rely solely on old information
AGIF rules and benefit amounts can be revised from time to time. Before submitting a claim, beneficiaries should verify the latest applicable AGIF/Army instructions.
Frequently Asked Questions (FAQs)
What is Army Group Insurance (AGI)?
Army Group Insurance (AGI) is a group insurance and welfare arrangement for eligible Army personnel, providing insurance protection and other financial/welfare benefits according to the applicable AGIF rules.
What is the AGI death benefit?
According to the provided AGI benefit chart, the death benefit is ₹75 lakh for the BC and PC categories shown.
What is the AGI extended insurance amount?
As per the provided chart, the extended insurance amount varies according to the date/period of discharge. The highest amount shown is ₹15 lakh for personnel covered under the 01 April 2025 onwards category.
Is AGI extended insurance available to Territorial Army personnel?
The provided chart specifically states:
“No extended Insurance facility for TA Pers.”
The applicable TA provisions should nevertheless be verified from the latest official instructions.
What is the AGI maturity benefit?
The chart states that the maturity benefit is the contributed amount, subject to the applicable scheme provisions.
Is there any AGI benefit for specially abled children?
Yes. The chart mentions a Specially Abled Sustenance Allowance of ₹6,000 per month, subject to specified eligibility conditions, including the disability and circumstances mentioned in the AGI instructions.
What happens to the share of a minor child?
Under the Social Security Deposit (SSD) provision mentioned in the chart, the minor child’s share is kept in SSO by AGIF until the child attains 18 years of age, subject to applicable rules.
What is the AGI benefit for TA personnel?
The provided chart mentions ₹25 lakh under “AGI (TA Personnel).” The exact applicability and claim conditions should be confirmed under the current TA/AGIF rules.
Conclusion
The Army Group Insurance (AGI) scheme provides an important layer of financial protection for Army personnel and their families. Its benefits extend beyond the basic insurance component and include death benefits, maturity benefits, extended insurance, Social Security Deposit for minor children, specially abled sustenance allowance and education-related assistance.
For veterans, one of the most important areas to understand is Extended Insurance, because the amount and duration depend upon the applicable discharge period and scheme provisions. Families should also be aware of the provisions relating to minor children and specially abled dependants.
The benefit figures in this article are reproduced from the AGI chart provided for reference. Since AGIF rules and rates may be revised, beneficiaries should verify the latest official notification/instructions and their individual service records before submitting any claim.