AGIF Extended Benefits for Retired Army Personnel : Must Know factors

agif extended insurance claim

All Retired Army Navy and Air Force Officers, JCOs, NCOs and Other Ranks have extended insurance benefit who Redired after 31 December 1980 (for Army, AGIF).   Extended Insurance is a financial protection for retired soldiers upto the age of 75 years for JCOs/OR and for Officers 80 years.

AGIF stands for the “Armed Forces Group Insurance Fund.” It is an insurance program specifically designed to provide financial protection and security to armed forces personnel, including soldiers, both during their active service and after retirement. AGIF is a voluntary insurance scheme that aims to offer various insurance benefits to members of the armed forces and their families. Here’s how AGIF works and how it can protect soldiers after their retirement.  Insurance Coverage: AGIF provides various types of insurance coverage, including life insurance, disability insurance, and other related policies. The insurance coverage can vary in terms of the amount of coverage and the specific benefits provided.

Premium Payments: Military personnel who wish to participate in AGIF typically pay regular premiums to maintain their coverage. The premiums are deducted from their salary or pension while they are in service.  Coverage During Service: While soldiers are in active service, AGIF coverage provides protection in case of accidents, injuries, or death. It offers financial support to the soldier or their beneficiaries in the event of a covered incident.

Post-Retirement Protection: One of the significant advantages of AGIF is that it continues to provide insurance coverage and protection to soldiers after they retire from the armed forces. This post-retirement coverage can be crucial for maintaining financial security and supporting the retiree and their family.  Family Benefits: AGIF often extends coverage to the families of armed forces personnel, including spouses and children. This ensures that the family members are also protected in case of unfortunate events involving the soldier.

Financial Support: In the event of disability or death, AGIF provides financial support to the insured or their beneficiaries. This support can include lump-sum payments, annuities, or other benefits, depending on the terms of the insurance policy.

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Optional Riders: AGIF policies may offer optional riders or additional coverage options, such as coverage for critical illnesses, education funds for children, or mortgage protection, allowing individuals to tailor their insurance plans to their specific needs.   Savings and Investments: In addition to insurance coverage, AGIF may offer investment and savings options, helping soldiers build financial assets for their future needs, such as retirement planning or educational expenses.

Veterans Guaranteed Insurance Claim upto 14 Lakh Rupees : Process and Rules

It’s important to note that the specific details of AGIF programs, including coverage, premium rates, and eligibility criteria, can vary by country and armed forces branch. Soldiers and veterans are encouraged to review the terms and conditions of AGIF policies, consult with insurance advisors, and make informed decisions about their insurance coverage to ensure adequate protection during and after their military service. We should know the basic features of Extended Insurance scheme as described in the Advisory issued by DIAV, Ministry of  Defence .  Let’s have a look on it.


  1. EI Scheme was introduced wef 01 Jan 81 as an extension of Insurance cover post retirement.
  2. Covers specific period and is applicable as per the cover defined at the time of retirement (Please Note: Earlier retirees not entitled to cover provided by the later modifications to the scheme).
  3. Onetime non refundable premium deducted at the time of retirement.
  4. Being a term insurance, no survival benefits nor any saving component.
  5. An EI Certificate is issued by AGIF to each individual on retirement.
  6. On demise of ESM, NOK required to inform AGIF along with death certificate and the EI Certificate.
  7. On re-employment, EI scheme is suspended as cover provided by existing insurance scheme
  8. The EI Table below is for general awareness; specific terms and conditions are given in the EI Certificate.
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(Note: Term Period of Cover is for No of yrs after retirement or age, whichever is earlier & Amt in Lacs)

SerPeriod ofSum AssuredTerm of CoverRefundable
 Retirement (Whichever is earlier) 
  OffrsJCOs/ORYears post
Years of age 
1.01 Jan 81- 31 Mar 8965,00030,0001065No
2.01 Apr 89 – 31 Mar 941 L0.5 L1065No
3.01 Apr 94 – 30 Jun 992 L1 L2070No
4.01 Jul 99 – 30 Dec 043 L1.5 L2072No
5.31 Dec 04 – 29 Jun 094L2L2675No
6.30 Jun 09- 30 Jul 106L3L2675No
7.31 Jul 10 – 30 Dec 136L3L2675Yes
8.31 Dec 13 – 31 Dec 1410L5L2675Yes
9.01 Jan 15 – 31 Mar 1710L5L3080Yes
10.01 Apr 17 – 31 Dec 2110L5L3080No
11.01 Jan 22 – 31 May 2210L5L26 Offrs
80 Offrs
75 JCOs/OR
12.01 Jun 22 Onwards15L7.5L26 Offrs
80 Offrs
75 JCOs/OR

Documents Required For Claiming EI.

  • Death certificate issued by Registrar of Birth and Death (Death certificate issued by Military Hospital is accepted)
  • Cancelled cheque/cheques with name of beneficiaries (alternatively copy of first page of passbook with names, if cheque does not have name imprinted)
  • AADHAR Card of beneficiaries (as proof of identity).
  • EI Certificate, if available.

In case beneficiary is other than Nominee / Contingent Nominee


Note: Before sending AGI claims, widow must intimate DEATH of ESM to his RECORD OFFICE in writing.


STEP-1: Check Validity period of Insurance Certificate. If death of ESM occurred within the validity period, then widow should send insurance claim to AGI office through ZSB.

STEP-2: Prepare following Documents for AGI:-

1) Personal Application. Hand written or typed in 3 copies. Addressed to AGI and Signed by the widow. Send to AGI after recommendation by ZSB. Sample Application given below.

2) Original Extended AGI Certificate. Must be signed with Revenue Stamp by the Widow. Sample.

Note-1: In case Widow can’t sign on the certificate and puts her Left Hand Thumb Impression (LTI), then same must be done in front of a Gazetted Officer or Secretary ZSB and authenticated by him. 

Note-2: Widow must write her mobile number below her signature on the AGI Certificate.

Note-3: If AGI original certificate is lost then:-

(a) If a PHOTOCOPY of original AGI certificate is AVAILABLE then fill up the photocopy of certificate, widow should sign and send it to AGI like an original.

(b) If a photocopy of original AGI certificate is NOT AVAILABLE, then mention in your application that, Original Extended AGI Certificate is lost and if found later, it will be submitted to AGI Office.

3) Death Certificate of ESM. It must be signed by widow and attested by the Secretary ZSB. If the Death Certificate has QR code, then it may not require any attestation.

(d) Death Certificate from Doctor/Hospital. This must have the cause of death written.
Note: In case of unnatural death, an attested copy of FIR, Post-mortem Reports and Police Investigation Report are to be attached.

4) Bank Passbook. First page of Bank account passbook, in which Widow’s Name, Account number and IFS Code are clearly written. If not, attach an original Cancelled Cheque of the Widow’s bank account.

5) Photocopy of Aadhaar Card of Widow. Self attested.

6) Photocopy of PAN Card of Widow. Self attested.

STEP-3: Bring all documents to ZSB. After checking, it will be recommended by tje Officer in Charge. One only application copy will be kept with ZSB. One copy of Application will be given to you for future reference.

STEP-4: Send one copy of Personal Application and all above-mentioned documents to Army Group Insurance (AGI) Office by Post Office Speed Post on following address:-

Vasant Vihar
Rao Tula Ram Marg,
Post Bag No. 14
New Delhi-110057
(Through ZSB)

STEP-5: Insurance amount will be directly Credited to the Widow’s/NoK’s account by AGI. In case of any query, AGI staff will contact Widow on phone.
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