PLI POLICY GUIDE

PLI Whole Life Assurance (Suraksha)

Long-duration Postal Life Insurance cover with premiums ceasing at a selected age and whole-life protection.

Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.

Calculate Suraksha →

Plan at a glance

Policy termPremiums generally cease at age 55, 58 or 60

Entry age19 to 55, depending on premium-ceasing age

Sum assured basisPremium tables are quoted per ₹5,000 sum assured

Premium calculationAge-at-entry and premium-ceasing-age tables

Key policy features

Long-term whole-life cover
Choice of premium-ceasing age
High declared bonus category compared with endowment plans

Maturity and survival benefit

Whole-life assurance benefit with eligible bonus. Actual eligibility, bonuses, underwriting and final benefits remain subject to the policy rules and the quotation issued by India Post.

PLI policyholder checklist

Use this practical PLI policy checklist after issue and revisit it whenever your contact or nomination details change. Ticking an item is only a personal reminder and does not update India Post records.

Store the original policy bond securely and keep it protected from loss or damage.
Tell a trusted family member or nominee where the policy bond is kept.
Review the policy schedule on the first page and confirm that the recorded details are correct.
Write down the policy number, premium amount and every premium due date in a reliable reminder system.
Save the telephone number and contact details of the post office that services the policy.
Keep the PLI customer support or information-centre details within easy reach.
Notify the post office promptly whenever the postal address, phone number or email address changes.
Pay each premium by its due date even when a premium notice has not arrived.
Confirm that a nominee is registered under the policy and keep the nomination details current.

Based on the customer checklist published by the Department of Posts. For current service instructions, refer to the official PLI or RPLI page.

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.