Suraksha
PLI · Whole Life AssuranceLifelong protection at the lowest premium among PLI plans. Sum assured plus accrued bonus is paid at age 80, or to the nominee on earlier death.
PLI · Since 1884
Postal Life Insurance (PLI)
Life insurance for eligible professionals and employees, since 1884.
Eligibility
- Central & State Government employees
- Defence & Para-military personnel
- Public Sector Undertakings, Banks & Local bodies
- Employees of Government-aided educational institutions
- Professionals — doctors, engineers, CAs, lawyers, MBAs, architects
- Employees of companies listed on NSE / BSE
- Department of Posts employees & agents
Latest bonus rates
- Whole Life ₹76
- Endowment ₹52
- Anticipated Endowment ₹48
- Convertible ₹76→₹52 on conversion
- (per ₹1,000 SA / year)
Verify current terms with India Post.
PLI Explore the schemes
PLI schemes
Santosh
PLI · Endowment AssuranceThe most popular PLI plan. A guaranteed lump sum (sum assured + bonus) on a fixed maturity date, with full cover on earlier death.
Suvidha
PLI · Convertible Whole Life AssuranceWhole-life cover with the option to convert to an Endowment plan after 5 years (before age 55). Flexibility to switch to a fixed-date payout later.
Sumangal
PLI · Anticipated Endowment AssuranceA money-back plan paying periodic survival benefits during the term, with the balance plus bonus at maturity. Full sum assured on death — survival payouts already made are not deducted.
Yugal Suraksha
PLI · Joint Life AssuranceA joint-life endowment covering both spouses under one policy and one premium. Sum assured + bonus on maturity, or on death of either spouse with cover continuing for the survivor.
Bal Jeevan Bima
PLI · Children PolicyA children's endowment taken by a PLI-holding parent on a child's life. If the parent dies, no further premium is due and the policy continues to maturity.