PLI POLICY GUIDE
PLI Joint Life Assurance (Yugal Suraksha)
Joint-life endowment assurance for spouses, priced using an equivalent age calculated from both lives.
Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.
Calculate Yugal Suraksha →Plan at a glance
Policy term5 to 20 years, subject to equivalent age
Entry ageEquivalent-age premium table starts at age 21
Sum assured basisMinimum ₹20,000; multiples of ₹10,000 in the supplied table
Premium calculationEquivalent age and policy term, quoted per ₹10,000
Key policy features
- One policy covering two spouses
- Equivalent age derived from both ages
- Special sum-assured rebate rules
Maturity and survival benefit
Joint-life endowment benefit under policy conditions. 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.