Gram Suraksha
RPLI · Whole Life AssuranceThe rural whole-life plan — lifelong cover at a low premium. Sum assured plus accrued bonus is paid at age 80, or to the nominee on earlier death.
RPLI · Since 1995
Rural Postal Life Insurance (RPLI)
Affordable life cover for rural India, with the trust of India Post.
Eligibility
- Any person who permanently resides in a rural area
- No employment condition — farmers, daily-wage workers, homemakers, self-employed all eligible
- Must have attained majority (18+) and be an ordinary resident of India
- Special focus on weaker sections and women workers of rural areas
- NRIs and foreign nationals are not eligible
Latest bonus rates
- Gram Suraksha ₹65
- Gram Santosh ₹50
- Gram Sumangal / Gram Priya ₹47
- Gram Suvidha ₹65
- (per ₹1,000 SA / year, last declared)
Verify current terms with India Post.
RPLI Explore the schemes
RPLI schemes
Gram Santosh
RPLI · Endowment AssuranceThe rural endowment plan — a guaranteed sum assured plus bonus on a chosen maturity age, with full cover on earlier death.
Gram Suvidha
RPLI · Convertible Whole Life AssuranceA rural whole-life plan with the option to convert to an endowment policy at the end of 5 years. Whole-life cover now, flexibility later.
Gram Sumangal
RPLI · Anticipated Endowment AssuranceThe rural money-back plan — periodic survival benefits during the term plus the balance and bonus at maturity. Full sum assured on death, undiminished by payouts already made.
Gram Priya
RPLI · Anticipated Endowment (10-year)A short 10-year rural money-back plan with two interim payouts and the balance plus bonus at maturity — with relief on premium arrears during natural calamities.
Bal Jeevan Bima
RPLI · Children PolicyCover for the children of an RPLI policyholder. On the parent's death, no further premium is due and the sum assured plus bonus is paid at term-end. No medical exam for a healthy child.