Insuring future. Ensuring smiles.

Postal
Life insurance

Mkd thou chek xzkeh.k Mkd thou chek

Postal Life Insurance Rural Postal Life Insurance

Call us on: 18001805232, 155232 e- mail us at: [email protected]

www.postallifeinsurance.gov.in or contact nearest
CONTENT

Content
Delivering a million smiles a day 2
Postal Life Insurance 3
Organization Structure 4
Operational Mechanism
Collection of Premia 5
Settlement of Claims 5
Types of PLI Policies
Suraksha - Whole Life Assurance 6
Santosh - Endowment Assurance 6
Suvidha - Convertible Whole Life Assurance 7
Sumangal - Anticipated Endowment Assurance 7
Yugal Suraksha - Joint Life Assurance 8
Bal Jeevan Bima - Children Policy 8
Rural Postal Life Insurance
Types of RPLI Policies 9
Gram Suraksha - Whole Life Assurance 9
Gram Santosh - Endowment Assurance 9
Gram Suvidha - Convertible Whole Life Assurance 10
Gram Sumangal - Anticipated Endowment Assurance 10
Gram Priya - 10 Years RPLI 11
Gram Bal Jeevan Bima - Children Policy 11
Frequently Asked Questions 12-19
PLI Premium Table 20-25
RPLI Premium Table 26-31
Contact Numbers 32-33
 Delivering A Million Smiles A Day Postal Life Insurance (PLI)

Postal Life Insurance (PLI)

Delivering A Million Smiles A Day

The postman has been an integral Postal Life Insurance (PLI) was introduced as a welfare scheme for the
part of the scene in India. Typically benefit of postal employees in 1884. It was the first insurer to extend
traversing the lush green fields of the coverage to women in 1894 at a time when no other insurer provided such
countryside on a cycle, the Postman coverage. Over the years, PLI has extended insurance coverage to all
delivers a million smiles a day. regular employees of Central and State Governments, Local Bodies,
India Post has the unique distinction Defence and para-military forces, Central and State Public Sector
of having one of the most intricate Undertakings, Universities, Government-aided Educational institutions,
and efficient distribution systems for Banks, Joint ventures, Credit Co-operative Societies etc.
mail delivery anywhere in the world.
In 1995 insurance coverage was extended to rural areas through Rural
It caters to myriad services like banking in the form of savings account and
Postal Life Insurance so that affordable Life insurance coverage is
fixed deposit and insurance services and also money transfer apart from
provided to rural populace in general and weaker sections and women
wide ranging premium services which have recently been introduced. With
workers of rural areas in particular.
so many value added features, India Post has been a part of our collective
memory and of our lives. PLI has grown from a few hundred policies in 1884 to more than
The postal service developed initially in towns and strategic locations to 52 lacs PLI and 152 lacs Rural PLI active policies as on 31.03.2015 . Postal
serve imperial interests. However, after independence, the focus shifted to Life Insurance also manages a Group Insurance scheme for Gramin Dak
providing universal postal service to every citizen especially in the hitherto Sevaks of the Department of Posts.
neglected rural, hilly and tribal areas. Out of a total of 1,54,882 post offices
in India, 1,39,225 are in rural areas. This fulfils not only the social
obligations of providing essential postal service to all citizens but also helps PLI FACT FILE (As on 31.03.2016)
in creating the required infrastructure for promoting economic activity.
Its network of more than 1.5 Lacs Post Offices across the country has • Over 49 lacs PLI policies with 1,09,982.09 crores sum assured.
made India Post the largest retail and financial service provider and is
• Over 149 lac RPLI policies with rupees 81,723.73 crores
among the most widely recognized and trusted brands in the country,
sum assured.
offering a wide range of products and essential services.
• Total PLI/RPLI corpus more than 65,000 crores.

INDIA POST FACT FILE

• 1,54,882 Post Offices. With liberalization of the insurance sector, PLI and RPLI operate in an
• Over 89% offices in rural areas. extremely competitive market. Due to its unique administrative structure,
• 5.20 lakh employees workforce. life insurance cover through PLI and RPLI offers lower premium and higher
bonus. This factor has made it a successful and cost effective enterprise of
• Over 80,000 trained employees in use of computers.
India Post.
• Working with strategic partners to offer non-life insurance, mutual
funds, micro credit, international money transfer.

2 3
 Organization Structure Collection of Premia

Collection of Premia
Organization Structure

The Directorate of Postal Life Insurance under the Department of Posts is • PLI/RPLI Premium can be deposited through cash/cheque in post offices, or
the apex body for formulation of policy, products and administration of the online.
Post Office Life Insurance Fund (POLIF) and Rural Post Office Life Insurance • In case of cash policies, insurants are issued a premium receipt book (PRB)
Funds (RPOLIF). The procurement of business, after sale service and all where deposit of premium is duly recorded.
types of claims management are handled in Central Processing Centres
co-located at Head Post Offices. The Office of Director, PLI, Kolkata under • The facility of deposit of premium through pay deduction is available to
employees of central and state governments and personnel of defence and
the Directorate of PLI functions as the accounting office for the country as
para military forces.
a whole.
• Facility of online payment of premium is available through
PLI DIRECTORATE - ORGANISATIONAL CHART
www.ePostoffice.gov.in who have policies with Army Postal Services and
Minister of Communications https://pli.indiapost.gov.in & https://postallifeinsurance.gov.in for all
other policies and shortly it will be available through ECS also.
Secretary (Posts)

DG (Posts)

Member (PLI) & Chairman of Investment Board

Settlement of Claims

Settlement of Claims
Investment Insurant/claimant can prefer his/her claim along with original policy
CGM (PLI) CPMsG bond, premium receipt book and loan repayment record book, if any at any
Division
CPC. After due examination, clear claims are sanctioned by the compenent
authority. The insurant can take payment through the Post Office.

GMs Director
PLI Actuary PMsG The following facilities are also offered to policy holders:
(PLI)
Kolkata • Change of nomination.
AGMs Director • Assignment of Policy for taking loan.
(PLI) HQ/Region
• Revival of lapsed policy
• Issue of Duplicate Policy Bond.

ACRONYMS DDMs/ADMs Divisional • Conversion of Whole Life Assurance to Endowment Assurance and
(PLI) Superintendents change of term in respect of Endowment Assurance Policy.
CGM - Chief General Manager
GMs - General Managers
AGMs - Addl. General Managers Group Leader /
CPMsG - Chief Postmasters General CPCs
PMsG - Postmasters General Deptl. Employees /
DDMs - Deputy Divisional Managers Field Officer /
ADMs - Asst. Divisional Managers
Direct Agent /
CPC - Central Processing Centers
Gramin Dak Sevaks
4 5
 Types of PLI Policies Suvidha – Convertible Whole Life Assurance
Suraksha

Suvidha
Suraksha - Whole Life Assurance A whole Life Policy with the added feature of an option to convert
to Endowment Assurance Policy at the end of five years of taking policy.
This is a scheme where the assured amount with accrued bonus is • Assurance to the extent of sum assured with accrued bonus till
payable to the insured either on attaining the age of 80 years, or to his/her attainment of age
legal representatives or assignees on death of the insured, whichever occurs
• In case of death, assignee, nominee or legal heir paid full amount of
earlier, provided the policy is in force on the date of claim.
sum assured with accrued bonus
• Minimum & Maximum age at entry : 19-55 years • Minimum age & Maximum age at entry : 19-50 years
• Minimum Sum Assured 20000 Maximum 50 lacs • Can be Converted into Endowment Assurance after 5 years not later than
• Loan facility after 4 years 6 years of taking policy. If not converted, the policy will be treated as
• Surrender after 3 years Whole Life Assurance
• Not eligible for bonus if surrendered before 5 years • Minimum sum assured 20000, maximum 50 lacs
• Can be converted into Endowment Assurance Policy upto 59 years of • Loan facility after 4 years
age of the insurant provided the date of conversion does not fall within • Surrender after 3 years
one year of the date of cessation of premium payment or date of maturity. • Not eligible for bonus if surrendered before completion of 5 years
• Premium paying age can be opted for as 55, 58 or 60 years. • Last declared bonus – 85/- per 1000 per year (for WLA policy if
• Proportionate bonus on reduced sum assured is paid if policy is not converted to Endowment Assurance)
surrendered • On conversion, bonus of Endowment Assurance will be payable.
• Last declared Bonus – 85/- per 1000 sum assured per year

Santosh- Endowment Assurance Sumangal-Anticipated Endowment Assurance

Sumangal
Santosh

Under this scheme the proponent is given an assurance to the extent of

It is a Money back Policy with maximum Sum assured of 50 lac, best
the sum assured and accrued bonus till he/she attains the pre-determined
suited to those who need periodical returns. Survival benefits are paid to
age of maturity i.e. 35, 40,45,50,55,58, & 60 years of age.
the insurant periodically. Such payments will not be taken into consideration
• In case of death of insurant, assignee, nominee or legal heir is in the event of unexpected death of the insurant. In such cases, full sum
paid full amount of sum assured with accrued bonus assured with accrued bonus is payable to the assignee, nominee or legal heir.
• Minimum & maximum age at entry : 19-55 years • Policy term 15 years & 20 years
• Minimum sum assured 20000, maximum 50 lac • Minimum age 19, maximum age at entry 40 for 20 years term policy &
• Loan facility after 3 years 45 years for 15 years term policy
• Surrender after 3 years • Survival benefits paid periodically as under:-
• Not eligible for bonus if surrendered or before completion of 5 years • 15 years Policy- 20 % each on completion of 6 years, 9 years &
• Proportionate bonus on reduced sum assured is paid if policy is 12 years and 40% with accrued bonus on maturity.
• 20 years Policy – 20 % each on completion of 8 years, 12 years &
surrendered after 5 years.
16 years and 40% with accrued bonus on maturity.
• Last declared Bonus – 58/- per 1000 sum assured per year
• Last declared Bonus – 53/- per 1000 sum assured per year

6 7
 Yugal Suraksha – Joint Life Assurance Rural Postal Life Insurance
It is a Joint Life Endowment Assurance in which one of the spouses should RPLI offers the following six types of policies :
Yugal Suraksha

Gram Suraksha
be eligible for PLI policies. 1. Whole Life Assurance (Gram Suraksha)
• Life cover to both spouses to the extent of sum assured with accrued 2. Endowment Assurance (Gram Santosh)
bonus with a single premium. 3. Convertible Whole Life Assurance (Gram Suvidha)
• Minimum Sum assured 20000, maximum 50 lac 4. Anticipated Endowment Assurance (Gram Sumangal)
• Minimum age & Maximum age at entry of spouses : 21- 45 years 5. 10 Years RPLI (Gram Priya)
• Maximum Age of the elder policy holder should not be more than 45 6. Children Policy (Bal Jeevan Bima)
years & the couple should be between - 21 years to 45 years
• Minimum term of policy 5 years and maximum 20 years Gram Suraksha – Whole Life Assurance
• Loan facility after 3 years This is a scheme where the assured amount with accrued bonus is
• Surrender after 3 years payable to the insured either on attaining the age of 80 years, or to his/her
• Not eligible for bonus if surrendered before completion of 5 years legal representatives or assignees on death of the insured, whichever occurs
• Proportionate bonus on reduced sum assured is paid if policy is earlier, provided the policy is in force on the date of claim.
surrendered • Minimum & maximum age at entry : 19-55 years
• Death benefits are paid to either of the survivors in the event of death of • Minimum Sum Assured 10000, maximum 10 lacs
spouse or main policy holder Loan facility after 4 years
•
• Last declared bonus 58/- per 1000 sum assured per year
• Surrender after 3 years
• Not eligible for bonus if surrendered before 5 years
• Can be converted into Endowment Assurance Policy upto 59 years of age of
Bal Jeevan Bima-Children Policy the insurant provided the date of conversion does not fall within one year of
the date of cessation of premium payment or date of maturity.
The salient features of this scheme are as under: • Premium paying age can be opted for as 55, 58 or 60 years
• The Scheme provides Life Insurance cover to children of policy holders. • Proportionate bonus on reduced sum assured is paid if policy is surrendered
Bal Jeevan Bima

Gram Santosh
• Maximum two children of policy holder (parent) are eligible • Last declared Bonus 65/- per 1000 sum assured per year
• Children between 5-20 years eligible
• Maximum sum assured 3 lakh or equal to the sum assured of the Gram Santosh – Endowment Assurance
parent, whichever is less
Under this scheme the proponent is given an assurance to the extent of the sum
• Policy holder (parent) should not be over 45 years of age.
assured and accrued bonus till he/she attains the pre-determined age of maturity
• No premium to be paid on the Children policy, on the death of the i.e. 35, 40,45,50,55,58 & 60 years of age.
policy holder (parent). Full sum assured and bonus accrued shall be
paid on completion of term • In case of death of insurant, assignee or nominee or legal heir is
• Policy holder (parent) shall be responsible for payments of Children policy paid full amount of sum assured with accrued bonus
• No loan admissible • Minimum & maximum age at entry : 19-55 years
• Has facility for making it paid up, provided premium are paid • Minimum sum assured 10000, maximum 10 lac
continuously for 5 years • Loan facility after 3 years
• Surrender facility is not available
• Surrender after 3 years
• No medical examination of child necessary, however, child should be
healthy and risk shall start from day of acceptance of proposal • Not eligible for bonus if surrendered or before completion of 5 years
• Attract the rate of bonus applicable for Endowment policy i.e. last • Proportionate bonus on reduced sum assured is paid if policy is
declared bonus rate is 58/-per 1000 sum assurd per year surrendered after 5 years.
8 • Last declared Bonus – 50/- per 1000 sum assured per year 9
 Gram Suvidha – Gram Priya – 10 Years Rural PLI
Convertible Whole Life Assurance It is a short term money back scheme for Rural populace only.
Gram Suvidha

Gram Priya
• Insurant is given life cover to the extent of Sum Assured for ten years.
A whole Life Policy with the added features of an option to convert
to Endowment Assurance Policy at the end of five years of taking policy. • Survival benefits are paid after 4 years- 20 %, after 7 years- 20 %, and
after 10 years -60 % with accrued bonus
• Assurance to the extent of sum assured with accrued bonus till
• Minimum & maximum age at entry : 20-45 years
attainment of maturity age
• In case of death, assignee, nominee or legal heir paid full amount of • Minimum Sum Assured 10000, maximum 10 lacs
sum assured with accrued bonus • No interest is charged up to one year on arrears of premia in case of natural
• Minimum age & Maximum age at entry : 19-45 years calamities like flood, drought, earthquake, cyclone, etc.
• Can be Converted into Endowment Assurance after 5 years not later than • Last declared bonus 47/- per 1000/- sum assured per year
6 years of taking policy. If not converted, the policy will be treated as
Whole Life Assurance
• Minimum sum assured 10000, maximum 10 lacs
• Loan facility after 4 years
Gram Bal Jeevan Bima - Children Policy
• Surrender after 3 years
The salient features of this scheme are as under:
• Not eligible for bonus if surrendered before completion of 5 years

Gram Bal Jeevan Bima

• The Scheme provides Life Insurance cover to children of policy holders.
• Last declared bonus – 65/- per 1000 per year (for WLA policy if
• Maximum two children of policy holder (parent) are eligible
not converted to Endowment Assurance)
• Children between 5-20 years eligible
• On conversion, bonus of Endowment Assurance will be payable.
• Maximum sum assured 1 lakh or equal to the sum assured of the
parent, whichever is less
• Policy holder (parent) should not be over 45 years of age.
Gram Sumangal- • No premium to be paid on the Children policy, on the death of the
Anticipated Endowment Assurance policy holder (parent). Full sum assured and bonus accrued shall be
Gram Sumangal

paid on completion of term

It is a Money back Policy with maximum Sum assured of 10 lac, best • Policy holder (parent) shall be responsible for payments of Children policy
suited to those who need periodical returns. Survival benefits are paid to • No loan admissible
the insurant periodically. Such payment will not be taken into consideration • Has facility for making it paid up, provided premium are paid
in the event of unexpected death of the insurant. In such cases, full sum continuously for 5 years
assured with accrued bonus is payable to the assignee, nominee or legal heir. • Surrender facility is not available
• No medical examination of child necessary, however, child should be
• Policy term 15 years & 20 years healthy and risk shall start from day of acceptance of proposal
• Minimum age 19, maximum age at entry 40 for 20 years term policy • Attract the rate of bonus applicable for Endowment policy (Santosh) i.e.
& 45 years for 15 years term policy last declared bonus rate is 50/-per 1000 sum assurd per year
• Survival benefits paid periodically as under:-
• 15 years Policy- 20 % each on completion of 6 years, 9 years &
12 years and 40% with accrued bonus on maturity.
• 20 years Policy – 20 % each on completion of 8 years, 12 years &
16 years and 40% with accrued bonus on maturity.
• Last declared Bonus – 47/- per 1000 sum assured per year

10 11
 Frequently Asked Questions Q Can one continue the Policy if one quits the Government Service?

Frequently Asked Questions

Frequently Asked Questions

A One can continue by making payment at any post office throughout the
Q. When did PLI Start? country, even after quitting service.
A. PLI as a scheme has been available since 01.02.1884. LOAN

Q. Is loan facility available ?

Q. What is the difference between PLI and other Insurance?
A. Loan can be taken from Endowment Assurance Yugal Suraksha after
A. PLI is only for Government and Semi-Government employees.
completion of 3 years and in respect of Whole Life, Convertible Whole

Q Is there any limit to the number of policies one can take for children? Life Policy after completion of 4 years. Loan facility is not available
A. One policy on each child can be taken, subject to the maximum of two in AEA policies.
children. Q. Is home Loan available?
A. No
Q Why is PLI policy bond send to Office address of the Insurant?
A PLI policies are issued to people who are employed under Q What are the terms on which loan can be availed ?
Government/Semi Govt. Sector, etc. That is why the bonds are sent to A.
Office address of the insurant.
• Endowment Assurance (Santosh) policies after 3 years from date of
Q How can a policy be transferred from one Post Office to another ? issue of policy
• Whole Life Assurance (Suraksha) policies after 4 years
A. PLI /RPLI policy need not be transferred from one Circle to another
Circle. Now premium can be paid at any post office across the • Interest @ 10 % p.a calculated on six monthly basis.
country and policy payment can also be taken from any post office. • Loan entitlement is calculated on a prefixed proportion of the
surrender value.
Q Which type of PLI policy is more beneficial to opt for without • Interest is payable once in six months.
hesitation?
A. Every scheme has some unique features, as given in pre-pages. SURRENDER

Q Whether salaried professionals in Private sector can join PLI? Q. What is surrender value of a policy?
A. Such categories are not eligible, but they can have RPLI policies if they A. “Surrender value” of a policy, means the amount Life assured when on
have permanent rural address and residing in rural areas. surrender of a policy for immediate cash payment.
Q If one spouse is working in a Govt. organization but the other is not, is
there any scheme in PLI for both? Q What will be the surrender value of the policy?
A. ‘Yugal Suraksha’ scheme under which both can jointly get a policy, after A. Surrender value depends on the surrender factor, type and term of policy.
paying a little more premium.

12 13
 Q Can one get the full amount paid with accrued bonus, if policy is A. Yes, before date of last premium, he can apply for its revival and after

Frequently Asked Questions

Frequently Asked Questions

surrendered prematurely? credit of due premium with interest @ 12% per annum and a good
A. Proportionate Bonus on reduced sum assured is paid if policy is health certificate, he can continue this policy. After revival due bonus
surrendered after 5 years.
will be automatically attached with this policy.
• Endowment Assurance policy can be surrendered after 36 months.
Q Can one revive a lapsed policy ?

• WLA policy can be surrendered after 48 months. A If the premia are not paid for 6 month in case policy within 3 year, (or)
12 months in case of policy is for more than 3 years, then the policy
• No surrender of AEA policy. becomes lapsed. This needs revival to make it active. Revival shall be
on any number of occasions during the entire term of the policy.
No, Bonus will be given only once policy completed. Surrendering any Q. What happens if one forgets to pay one's premium in a month?
policy is always a loss.
A. One can pay the premium in the subsequent month, by paying a
PREMIA PAYMENT minimum fine of 1% of premium amount per month.

Q. What is the mode of premium deposit?

INCOME TAX & REBATE
A. Premium receipt book is issued to the insurants for deposit of Premium in
any Departmental PO. There is a facility of recovery from pay for all Q. Is income tax rebate admissible for PLI policies?
employees belonging to central government organizations.
A. Available under section 80 C of I.T. Act. toward premium paid

Q Is there any other mode of payment?

Q Is there any special rebate for PLI premium ?
A. Premium can be paid online through www.ePostoffice.gov.in and
https://pli.indiapost.gov.in ECS, Credit/Debit card facility will be A For every 20000/- sum assured 1/- is allowed as rebate every
provided shortly. month, as long as the policy continues e.g. for taking one lakh policy
PLI allows 5/- as rebate in EA/WLA/AEA policy. Further, if premium

Q Is premium recovered through salary? is paid in advance for six months 1 % rebate will be given. If premium
is paid in advance for 12 months 2 % rebate will be given. Besides
A Yes, recovery of the premia through salary is possible.
this rebate, Income tax Department also allows rebate on Income tax
Q. If one had taken a PLI policy six years back, but after credit of only 20 for your premium payment.
monthly premium, the insurant could not deposit further premium
and now has realized that due to non credit of premium for 36 CLAIMS
months, his policy has become discontinued and no amount against
Q. How are claims settled?
that is payable unless it is revived . Is it possible to revive this
A. All claims are settled as per set norms promptly.
policy?

14 15
 Q. What is the amount the nominee is entitled to receive after the death BONUS
of insurant?
Q What is the frequency of the declaration of bonus?

Frequently Asked Questions

Frequently Asked Questions

A. Sum Assured with accrued bonus till the date of death of the policy holder.
A. The bonus is declared every year
Q. Is claim available in suicide case? Q Whether the Rates of bonus decrease?
A. Yes, if the policy continues for two years. A. Bouns rates are subject to valuation of fund and surplus amount.

Q. Will you compare the signature signed at the time of taking policy NOMINATION AND ASSIGNMENT
with the signature available in claim (maturity) form? What about
variation? Q When can assignment of a policy be made?

A. A. Policies may be assigned by the policy holder, either:

PLI payment is made to the right person through proper identification
by the local postmaster. The variation in signature will not be a hurdle in • For valuable consideration, loan against policy or by way of gift.
taking payment. No comparison is done in normal circumstances.
Q Is there any nomination facility in PLI & RPLI
MEDICAL & NON MEDICAL POLICY A Nomination can be made for maximum three persons.

Q . When is the medical examination of proposer mandatory ? Q Why is nomination necessary?

A. Medical examination of the proposer is compulsory in the following A A policy holder is advised to nominate a person to whom the sum
cases :- assured shall become payable in the event of his death, so as to save
PLI : Sum assured/Aggregate Sum assured limit is more than 1 lacs or his legal heirs the trouble and expense of obtaining legal title to the
proposer’s age is more than 35 years sums payable under the policy.
RPLI : Sum assured/Aggregate Sum assured limit is more than 25,000/-
Q What happens in the event of the nominees also pre-deceases ?
or proposer’s age is more than 35 years
A Where the policy matures for payment during the life time of the
Q . What are the benefits of medical policy ? person whose life is insured or where the nominee or, if there are

A. It is always better & safe to go for medical policy .Non medical policy more nominees than one, all the nominees die before the policy
attracts deduction of a sizable percentage of death claim amount, if policy matures for payment, the amount secured by the policy shall be
holder dies within 3 years from the date of acceptance of policy. payable to the policy holder or his heirs or legal representatives
of the holder on the basis of succession certificate as the case
Q. Has a declaration on proposal form about fitness/medical history any
may be.
bearing on the policy is safe ?

A. Yes, it is always safe and secure to declare truthfully about one’s

health condition, ailments or family history while taking a policy .

16 17
 Q Who can take a RPLI Policy? be inoperative against the Fund, unless a notice in writing of the
A All persons, male or female, who permanently reside in rural areas assignment has been delivered to the CPC/Divisional Head /Chief

Frequently Asked Questions

Frequently Asked Questions

and are ordinarily residents in India in the age group between Postmaster General/ Postmaster General.
19 years and 55 years, can take RPLI policies. A person having non
standard age proof should be in age group between 19 years and CUSTOMER CARE
45 years. Q How does the customer get a grievance settled?
Q Which are standard age proofs? A Customers can contact the Customer Care Centre, Office of the Chief
A Extract from School Register, extract from transfer certificate, extract from PMG of the concerned Postal Circle from where the policy has been taken.
service register, extract from service records of small commercial institute, They can get their grievances sent to- Chief General Manager (PLI),
ID card of Defense Personnel, Board or University Certificate showing Directorate of Postal Life Insurance, Chanakyapuri, New Delhi-110021
date of birth, Municipal or other live records. e.mail : [email protected] & Toll free numbers : 1800 5232/155232

Q Which are non standard age proofs? Q What is the service performance that can be expected from PLI / RPLI?
A Horoscope, elder’s declaration, Medical examiner’s appropriate age A. The standards that should be expected from PLI are delineated in the
certificate, self declaration counter signed by Panchayat member. Citizen’s Charter of Department of Posts which has also been posted
For non-standard age proof policy holders, premium will be on the Department’s website. The same are as under :-
charged 5% extra.
Sl. No. Item of work No of days
Q What if the nominee is a child? Will the money be paid to him?
1. Issue of acceptance letter 15 days
A The holder of a policy of life insurance may, where the nominee is a minor, 2. Issue of Policy Bond 15 days
appoint any person to receive the money secured by the policy in the event 3. Settlement of claims on maturity 30 days
of his death during the minority of the nominee. The consent of the 4. Settlement of claim on death with nomination 30 days
appointee should be obtained at the same time as the appointment is made. 5. Settlement of claim on death involving investigation 90 days
Provision for this is made in the Proposal form. 6. Paid up value 30 days

Q How can assignment of a policy be made?

7. Loan on policies 10 days

A 8. Change of Address 10 days

The assignment may be made either by an endorsement on the
9. Change of Nomination 10 days
reverse of the policy itself or by a separate deed. The assignment
10. Assignment 10 days
must be dated and signed by the assignor in the presence of a
11. Issue of Duplicate Policy Document 10 days
witness. Except in the case of an assignment in favour of the
12. Revival of Policy 15 days
President of India as a security for the repayment of any loan
13. Conversion of Policy 15 days
granted out of the fund, an assignment, otherwise complete, will

18 19
 PLI Premium Table Premium Table
SURAKSHA- Whole Life Assurance SANTOSH - Endowment Assurance
Suraksha

Santosh
Monthly Premium for an assurance of 10,000/- Monthly Premium for an Assurance of 10,000/-
Age of Entry Premium ceasing at the age of Age at Policy Maturity at the Age
55 Years ( ) 58 Years ( ) 60 Years ( ) Entry 35 Yrs 40 Yrs 45 Yrs 50 Yrs 55 Yrs 58 Yrs 60 Yrs
19 16 14 14 ( ) ( ) ( ) ( ) ( ) ( ) ( )
20 16 16 14 19. 52 38 30 24 20 18 18

21 16 16 16 20. 54 40 32 26 20 20 18

22 16 16 16 21. 58 42 32 26 22 20 18

23 18 16 16 22. 64 44 34 28 22 20 20

24 18 18 16 23. 70 48 36 28 24 20 20

25 18 18 18 24. 76 52 38 30 24 22 20
25. 84 54 40 32 26 22 22
26 18 18 18
26. 94 58 42 32 26 24 22
27 20 18 18
27. 106 64 44 34 28 24 24
28 20 20 18
28. 122 70 48 36 28 26 24
29 22 20 20
29. 144 76 52 38 30 26 26
30 22 22 20
30. 172 84 56 40 32 28 26
31 24 22 22
31. - 94 60 42 34 30 28
32 24 24 22
32. - 106 64 46 34 30 28
33 26 24 24
33. - 122 70 48 36 32 30
34 28 26 24
34. - 144 76 52 38 34 30
35 28 26 26
35. - 172 84 56 40 36 32
36 30 28 26
36. - - 94 60 44 38 34
37 32 30 28
37. - - 106 64 46 40 36
38 34 32 30
38. - - 122 70 50 42 38
39 36 32 32
39. - - 144 78 52 44 40
40 38 34 32
40. - - 174 86 56 46 42
41 42 36 34
41. - - - 96 60 50 44
42 46 40 36
42. - - - 108 66 54 48
43 50 42 38
43. - - - 124 72 58 50
44 54 46 42
44. - - - 144 78 62 54
45 60 48 44 45. - - - 174 86 66 58
46 66 54 48 46. - - - - 96 72 62
47 76 58 52
47. - - - - 110 80 68
48 84 64 56
48. - - - - 126 88 74
49 98 70 60
49. - - - - 146 98 80
50 118 80 66
50. - - - - 176 110 88
51 - 98 82
51. - - - - - 130 104
52 - 114 92
52. - - - - - 150 118
53 - 134 104
53. - - - - - 178 132
54 - - 118
54. - - - - - - 152
55 - - 140
55. - - - - - - 180
Note: Note:
1 For the purpose of above ‘age at entry’ means the age on next birthday 1 For the purpose of ‘age at entry’ means the age on next birthday will be
following the date of acceptance of policy. taken for fixing premium.
2 For the purpose of Fixing Premium minimum age at entry will be 19 years and
maximum 55 years

20 21
 Premium Table Premium Table
SUMANGAL- Anticipated Endowment Assurance

Sumangal
SUVIDHA - Convertible Whole Life Assurance
Suvidha

Monthly Premium for an Assurance of 10,000/- with option to convert (Provides Periodical flow of cash)
the policy, at the end of 5 Years after commencement into Endowment Monthly Premium for an assurance of 10,000/-
Assurance maturing at a specified age.
15 years Terms policy 20 years Terms policy
Age at Monthly premium payable for the Monthly premium payable for the first Age at entry Monthly Premium Age at entry Monthly Premium
entry first 5 years and there after if option 5 years and there after if option is exercised 19 66 19 50
is not exercised but ceasing at age of to convert the policy into Endowment
Assurance maturing at age of 20 66 20 50
21 66 21 50
60 Yrs 50 Yrs. 55 Yrs. 58 yrs.
19 14 28 22 20 22 66 22 50
20 14 30 22 22 23 66 23 50
21 16 30 24 22
22 16 32 24 22
24 66 24 50
23 16 32 26 22 25 66 25 50
24 16 36 26 24 26 66 26 50
25 18 38 30 24
26 18 38 30 26 27 66 27 50
27 18 42 32 26 28 66 28 50
28 18 44 32 30
29 66 29 50
29 20 46 34 30
30 20 50 38 32 30 66 30 50
31 22 52 40 34 31 66 31 50
32 22 60 40 34
32 66 32 50
33 24 62 42 36
34 24 70 44 38 33 66 33 50
35 26 78 48 40 34 66 34 52
36 26 86 54 44
37 28 94 56 46
35 66 35 52
38 30 108 62 48 36 66 36 52
39 32 128 66 50 37 68 37 52
40 32 154 72 54
41 34 192 80 60 38 68 38 52
42 36 252 92 66 39 68 39 52
43 38 376 104 72 40 68 40 54
44 42 728 116 78
45 44 - 138 84 41 68 - -
46 48 - 170 94 42 68 - -
47 52 - 226 110
43 70 - -
48 56 - 332 128
49 60 - 638 156 44 70 - -
50 66 - - 198 45 70 - -

22 23
 Premium Table Premium Table
Yugal Suraksha

Bal Jeevan Bima

YUGAL SURAKSHA- Joint Life Endowment Assurance BAL JEEVAN BIMA POLICY - Children Policy
Monthly Premium for Sum Assured of 10.000/-
Children Add on with profit
age
at
5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 (Monthly premium of sum assured of 10000/-)
Entry Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs
21 191 159 136 118 104 93 84 77 70 64 59 55 51 48 45 42 Age at Entry Age at Maturity
22 191 159 136 118 104 93 84 77 70 64 59 55 51 48 45 42 18 19 20 21 22 23 24 25
23 191 159 136 118 104 93 84 77 70 64 59 55 51 48 45 42 5 81.3 76.7 72.7 69.3 66.3 63.6 61.3 59.2
24 191 159 136 118 104 93 84 77 70 64 59 55 51 48 45 42
6 86.8 81.3 76.7 72.7 69.3 66.3 63.6 61.3
25 191 159 136 118 104 93 84 77 70 64 60 55 51 48 45 42
7 93.3 86.8 81.3 76.7 72.7 69.3 66.3 63.6
26 191 159 136 118 104 93 84 77 70 64 60 55 51 48 45 42
8 101.1 93.3 86.8 81.3 76.7 72.7 69.3 66.3
27 191 159 136 118 104 93 84 77 70 65 60 55 52 48 45 42
9 110.7 101.1 93.3 86.8 81.3 76.7 72.7 69.3
28 191 159 136 118 105 93 84 77 70 65 60 55 52 48 45 42
29 191 159 136 118 105 94 84 77 70 65 60 56 52 48 45 43 10 122.8 110.7 101.1 93.3 86.8 81.3 76.7 72.7
30 191 159 136 118 105 94 85 77 70 65 60 56 52 49 46 43 11 138.5 122.8 110.7 101.1 93.3 86.8 81.3 76.7
31 191 159 136 118 105 94 85 77 71 65 60 56 52 49 46 43 12 159.4 138.5 122.8 110.7 101.1 93.3 86.8 81.3
32 191 159 136 118 105 94 85 77 71 65 60 56 52 49 46 43 13 188.8 159.4 138.5 122.8 110.7 101.1 93.3 86.8
33 191 159 136 119 105 94 85 77 71 65 61 56 53 49 46 44 14 - 188.8 159.4 138.5 122.8 110.7 101.1 93.3
34 191 159 136 119 105 94 85 78 71 66 61 57 53 50 47 44
15 - - 188.8 159.4 138.5 122.8 110.7 101.1
35 191 159 136 119 105 94 85 78 71 66 61 57 53 50 47 44
16 - - - 188.8 159.4 138.5 122.8 110.7
36 191 159 136 119 105 94 86 78 71 66 61 57 54 50 47 45
17 - - - - 188.8 159.4 138.5 122.8
37 191 159 136 119 106 95 86 78 72 66 62 58 54 51 48 45
18 - - - - - 188.8 159.4 138.5
38 191 160 137 119 106 95 86 79 72 67 62 58 54 51 48 46
39 191 160 137 120 106 95 86 79 73 67 63 58 55 52 49 47 19 - - - - - - 188.8 159.4
40 192 160 137 120 106 96 87 79 73 68 63 59 56 52 50 47 20 - - - - - - - 188.8
41 192 160 137 120 107 96 87 80 74 68 64 60 56 53 51 -
Note :
42 193 161 138 121 107 97 88 80 74 69 64 60 57 54 - -
43 193 161 138 121 108 97 88 81 75 70 65 61 58 - - - 1.The minimum sum proposed for assurance is 20,000/-
44 193 161 139 122 108 98 89 82 76 70 66 62 - - - - 2. The sum proposed for Assurance shall be in multiples of 10,000/-
45 194 162 139 122 109 98 90 83 76 71 67 - - - - -
3. A rebate of 1/- on policies of Sum Assured of 20,000/-

24 25
 RURAL POSTAL LIFE INSURANCE GRAM SUVIDHA- Convertible Whole Life Assurance
GRAM SURAKSHA- Whole Life Assurance
Gram Suraksha

Gram Suvidha
Monthly Premium Per 10000/- Sum Assured
Monthly Premium Per 10000/- Sum Assured
Age at Monthly premiums payable Monthly Premiums payable after the first
Age at Entry Premium Ceasing at age of 5 Years if option is exercised to convert the
Entry for the first 5 years and there
55 58 60 after if option is not exercised policy into endowment assurance maturing
at age
Rs. P Rs. P Rs. P but ceasing at age of 60 years
19 15 14.5 14
20 15.5 15 14.5 60 Yrs 50 Yrs. 55 Yrs. 58 Yrs. 60 yrs.
21 16 15.5 15 19 14 28 23 20.5 19.5
22 16.5 16 15.5
20 14.5 29.5 24 21.5 20
23 17 16.5 16
24 17.5 17 16.5 21 15 31 25 22.5 21
25 18 17.5 17 22 15.5 32.5 26 23.5 22
26 18.5 18 17.5 23 16 34 27 24.5 23
27 19.5 18.5 18 24 16.5 36 28.5 25.5 24
28 20.5 19 18.5
25 17 38 30 26.5 25
29 21.5 20 19.5
30 22.5 21 20.5 26 17.5 40 31.5 27.5 26
31 23.5 22 21 27 18 42.5 33 29 27
32 24.5 23 22 28 18.5 45 34.5 30.5 28
33 25.5 24 23
29 19.5 48 36.5 32 29
34 27 25 24
35 28.5 26.5 25
30 20.5 51.5 38.5 33.5 30.5
36 30 28 26.5 31 21 55 40.5 35 32
37 32 29.5 28 32 22 59.5 43 37 33.5
38 34 31 29.5 33 23 64.5 46 39 35.5
39 36 32.5 31
38.5 32.5
34 24 70 49 41.5 37.5
40 34.5
41 41.5 36.5 34.5 35 25 77 52 44 39.5
42 45 39 36.5 36 26.5 85 56 46.5 42
43 49 42 38.5 37 28 95 60.5 49.5 44.5
44 53.5 45 41
38 29.5 107.5 65.5 53 47
45 59 48.5 44
46 65.5 53 47.5 39 31 123.5 71.5 57 50
47 73.5 58 51.5 40 32.5 144.5 78 61.5 53.5
48 84 63.5 55.5 41 34.5 0 88.5 66.5 57.5
49 98 70.5 60.5 42 36.5 0 96.5 72.5 62
50 117.5 79 66.5
51 98 82.7
43 38.5 0 109 79.5 67.5
52 113 92.1 44 41 0 125 87.5 73
53 133.4 103.7 45 44 0 146 97.5 80
54 118.9
55 139.8

26 27
 GRAM SANTOSH - Endowment Life Assurance GRAM SUMANGAL- Anticipated Endowment Assurance

Gram Sumangal
Gram Santosh

Monthly Premium for an Assurance of 10,000/- Sum Assured (Provides Periodical flow of cash)

Age at Premium ceasing at Age of Monthly Premium Per 10000/- Sum Assured
Entry 35 Yrs 40 Yrs 45 Yrs 50 Yrs 55 Yrs 58 Yrs 60 Yrs 15 years Terms policy 20 years Terms policy
Rs. P. Rs. P. Rs. P. Rs. P. Rs. P. Rs. P. Rs. P.
Age at entry Monthly Premium Monthly Premium
19 51 37.5 29.5 24 20 18.5 17.5
20 54.5 39.5 31 25 20.5 19 18 19 65.5 49.50
21 58.5 42 32.5 26 21 19.5 18.5
22 63.5 44.5 34 27 22 20 19
20 65.5 49.50
23 69.5 47.5 35.5 28 23 20.5 19.5 21 65.5 49.50
24 76 51 37.5 29.5 24 21.5 20
25 84 54.5 39.5 31 25 22.5 21 22 65.5 49.50
26 94 58.5 42 32.5 26 23.5 22
27 106.5 63.5 44.5 34 27 24.5 23
23 65.5 49.50
28 122 69.5 47.5 36 28.5 25.5 24 24 65.5 49.50
29 143 76 51 38 30 26.5 25
30 172.5 84 55 40 31.5 27.5 26 25 65.5 49.50
31 0 94 59 42.5 33 29 27
32 0 106.5 64 45 34.5 30.5 28
26 65.5 50.00
33 0 122 69.5 48 36.5 32 29 27 65.5 50.00
34 0 143 76.5 51.5 38.5 33.5 30.5
35 0 172.5 84.5 55 40.5 35 32 28 65.5 50.00
36 0 0 94.5 59.5 43 37 33.5
37 0 0 106.5 64.5 46 39 35.5
29 65.5 50.00
38 0 0 122.5 70 49 41.5 37.5 30 66 50.00
39 0 0 143.5 77 52 44 39.5
40 0 0 173 85 56 46.5 42 31 66 50.50
41 0 0 0 95 60.5 49.5 44.5
42 0 0 0 107.5 65.5 53 47
32 66 50.50
43 0 0 0 123.5 71.5 57 50 33 66 50.50
44 0 0 0 144.5 78 61.5 53.5
45 0 0 0 174 86.5 66.5 57.5 34 66 51.00
46 0 0 0 0 96.5 72.5 62
47 0 0 0 0 109 79.5 67.5
35 66.5 51.00
48 0 0 0 0 125 87.5 73 36 66.5 51.50
49 0 0 0 0 146 97.5 80
50 0 0 0 0 175.5 110 88.5 37 67 51.50
51 0 0 0 0 0 130.6 104.9
52 0 0 0 0 0 150.7 117.1
38 67 52.00
53 0 0 0 0 0 178.4 132.4 39 67.5 52.50
54 0 0 0 0 0 0 152.5
55 0 0 0 0 0 0 180.1 40 67.5 53.00

28 29
 GRAM PRIYA – 10 Years Rural Postal Life Insurance GRAM BAL JEEVAN BIMA - Children Policy
Gram Priya

Gram Bal Jeevan Bima

Monthly Premium per 10,000/- sum assured (Monthly premium of sum assured of 10000/-)

Age at entry Monthly Age at Entry Age at Maturity

20 97.00 18 19 20 21 22 23 24 25
21 97.00 5 81.3 76.7 72.7 69.3 66.3 63.6 61.3 59.2
22 97.00 6 86.8 81.3 76.7 72.7 69.3 66.3 63.6 61.3
23 97.00 7 93.3 86.8 81.3 76.7 72.7 69.3 66.3 63.6
24 97.00 8 101.1 93.3 86.8 81.3 76.7 72.7 69.3 66.3
25 97.00 9 110.7 101.1 93.3 86.8 81.3 76.7 72.7 69.3
26 97.00
10 122.8 110.7 101.1 93.3 86.8 81.3 76.7 72.7
27 97.50
11 138.5 122.8 110.7 101.1 93.3 86.8 81.3 76.7
28 97.50
12 159.4 138.5 122.8 110.7 101.1 93.3 86.8 81.3
29 97.50
13 188.8 159.4 138.5 122.8 110.7 101.1 93.3 86.8
30 97.50
14 - 188.8 159.4 138.5 122.8 110.7 101.1 93.3
31 97.50
15 - - 188.8 159.4 138.5 122.8 110.7 101.1
32 98.00
16 - - - 188.8 159.4 138.5 122.8 110.7
33 98.00
34 98.00
17 - - - - 188.8 159.4 138.5 122.8

35 98.00 18 - - - - - 188.8 159.4 138.5

36 98.50 19 - - - - - - 188.8 159.4

37 98.50 20 - - - - - - - 188.8
38 98.50
Note :
39 98.50
40 98.50 1.The minimum sum proposed for assurance is 20,000/-

41 99.50 2. The sum proposed for Assurance shall be in multiples of 10,000/-

42 99.50
3. A rebate of 1/- on policies of Sum Assured of 20,000/-
43 100.00
44 100.50
45 101.50

30 31
 CONTACT NUMBERS Circle Name Address Contact No/ Toll free no E-mail- id No.

Contact Numbers
Contact Numbers

Directorate of Postal Life Insurance First Floor, Chanakyapuri Maharashtra O/o Chief PMG, 022-22624470 [email protected] /
Post Office Complex, New Delhi-110021, Maharastra Circle, Toll Free No. 1800 225 232 [email protected]
GPO Building,
Phone 091-11-24672458, 24674794 Fax -011-26876809,
Mumbai-400001
Toll free numbers – 1800 180 232 & 155232
Madhya Pradesh % Chief PMG, MP Circle, 0755-2550603 [email protected]
Website http://www.postallifeinsurance.gov.in Dak Bhawan, Hoshangabad Toll Free No. 1800 233 2074
E-mail.: [email protected] Road, Bhopal-462012
Phone numbers and E-mail id of
Deputy Divisional Manager, PLI of Circle Offices North East O/o Chief PMG, 0364-2226430 [email protected]
NE Circle, Toll Free No. 1800 345 3656
Name of Circle Address Telephone No. E-mail- id No. Shillong-793001
Andhra Pradesh O/o Chief PMG, AP Circle, 040-23463606 [email protected]
Dak Sadan, Abids, Toll Free No. 1800 425 8222 Orissa O/o Chief PMG, 0674-2390003 [email protected]
Hyderabad-500001 Orissa Circle, Toll Free No. 1800 345 6550
Vidhan Sabha Chowk,
Assam O/o Chief PMG, Assam Circle, 0361-2547385 [email protected] / Bhubaneswar-751001
Meghdoot Bhawan, Toll Free No. 1800 345 3754 [email protected]
Guwahati-781001
Punjab O/o Chief PMG, 0172-2702231 / 4390 [email protected]
Base Circle (APS) Addl Dte Gen of APS (PLI Cell) 011-26152474 [email protected] Punjab Circle, GPO Building, Toll Free No. 1800 180 2105
Sena Dak Sewa Bhawan Toll Free No. 1800 11 5699 [email protected] Chandigarh-160017
PIN-900108 C/O 56 APO
Bihar O/o Chief PMG, Bihar Circle, 0612-2225020 [email protected] Rajasthan O/o Chief PMG, Rajasthan Circle, 0141-2379212 /1800 180 6655 [email protected]
GPO Complex, Toll Free No. 1800 345 6107 Sardar Patel Marg, Toll Free No. 1800 180 6655
Patna-800001 Jaipur-302007

Chattisgarh O/o Chief PMG, Chattisgarh, 0771-2236388 [email protected] Tamilnadu O/o Chief PMG, Tamilnadu Circle, 044-28520308 [email protected]
Raipur-492001 Toll Free No. 1800 233 1614
Anna Road, Chennai-600002 Toll Free No. 1800 425 6334
Delhi O/o Chief PMG, Delhi Circle, 011-23620831 [email protected]
Meghdoot Bhawan, Link Road, Toll Free No. 1800 11 5232 Uttar Pradesh O/o Chief PMG, UP Circle,4, 0522-2613126 [email protected]
New Delhi-110001 Hazratganj, Lucknow-226001 Toll Free No. 1800 180 5456 [email protected]

Gujarat O/o Chief PMG, Gujarat Circle, 079-22866806 [email protected] /

[email protected] Uttarakhand O/o Chief PMG, UKD Circle, 0135-2652226 [email protected]
Khanpur, Ahmedabad-380001 Toll Free No. 1800 233 55232
Dehradun -248001 Toll Free No. 1800 180 4196
Himachal O/o Chief PMG, HP Circle, 0171-2629005 [email protected]
Pradesh Kaithu Shimla-171009 Toll Free No. 1800 180 8047 West Bengal O/o Chief PMG, WB Circle, 033-22120710 [email protected],
Yogayog Bhawan, Toll Free No. 1800 345 5655
Haryana O/o Chief PMG, Haryana Circle, 0177-2629005 [email protected]
107 The Mall, Ambala-133001 Toll Free No. 1800 180 1373 [email protected] Kolkata-700012

J&K O/o Chief PMG, J & K Circle, 0191-2543585 [email protected]

Meghdoot Bhawan, Toll Free No. 1800 180 7046
Jewel Chowk,
Jammu Tawi-180001

Jharkhand O/o Chief PMG, 0651-2480112 [email protected]

Jharkhand Circle, Toll Free No. 1800 345 6508
Ranchi-834002

Kerala % Chief PMG, Kerala Circle, 0471-2303005 [email protected]

Thiruvanthapuram-695033 Toll Free No. 1800 425 05252

Karnataka O/o Chief PMG, 080-22862223 [email protected]

Karnataka Circle, Toll Free No. 1800 425 0232
Beaulieu, Palace Road,
Bengaluru-560001

32 33
Online at www.epostoffice.gov.in (For PLI Online at https://pli.indiapost.gov.in
policies in APS) / https://pli.indiapost.gov.in At Post Office any where in India
At Post Office any where in India
By Deductions from salary