PLI POLICY GUIDE
PLI Convertible Whole Life Assurance (Suvidha)
Whole-life cover with an option after five years to convert to an endowment policy maturing at a selected age.
Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.
Calculate Suvidha →Plan at a glance
Policy termFirst five years as whole life; conversion option thereafter
Entry age19 to 50 in the supplied PLI premium table
Sum assured basisPremium tables are quoted per ₹5,000 sum assured
Premium calculationInitial premium and post-conversion premium tables
Key policy features
- Conversion option after five years
- Maturity choices shown for ages 50, 55 and 58
- Separate premium rates before and after conversion
Maturity and survival benefit
Depends on whether the conversion option is exercised. Actual eligibility, bonuses, underwriting and final benefits remain subject to the policy rules and the quotation issued by India Post.
How the premium estimate works
The calculator matches the selected age, maturity age or term against the supplied premium-table row. It scales the published rate to the chosen sum assured and applies the selected payment frequency, rebate and GST breakdown. If no matching table row is available, the result is explicitly labelled as an indicative estimate.