Postal Life Insurance and Rural Postal Life Insurance

Postal Life Insurance

Postal Life Insurance is 124 years young. It was started on February 1, 1884 as a welfare measure for the employees of Posts & Telegraphs Department under Government of India dispatch No. 299 dated 18-10-1882 to the Secretary of State. Due to popularity of its schemes, various departments of Central and State Governments were extended its benefits. Now Postal Life Insurance is open for employees of all Central and State Government Departments, Nationalized Banks, Public Sector Undertakings, Financial Institutions, Local Bodies like Municipalities and Zila Parishads, Educational Institutions aided by the Government etc.


  • Santhosh (Endowment Assurance)
  • Suraksha (Whole Life Assurance)
  • Suvidha (Convertible Whole Life Assurance)
  • Sumangal (Anticipated Endowment Assurance)
  • Yugalsuraksha (Joint Life Endowment Assurance)
  • Children Policy

Eligibility :

  • Age between 19 and 50 years as on next birth date of the proponent
  • Employees of :
    • Central and State Governments, Defence Services
    • Government aided Educational Institutions
    • Universities established by Government Local bodies like Municipalities
    • All nationalized banks, RBI and SBI Subsidiaries
    • State and Central Government Undertakings, Corporations, Boards
    • Financial institutions like UTI, IDBI, etc.
    • Railway Employees
    • Employees State Insurance Corporation
    • Provident Fund Organisation

Rural Postal Life Insurance

On 24th March, 1995, the benefits of Postal Life Insurance were extended to rural populace of the country under the banner of Rural Postal Life Insurance.


  • Gram Santosh (Endowment Assurance)
  • Gram Suraksha (Whole Life Assurance)
  • Gram Suvidha (Convertible Whole Life Assurance)
  • Gram Sumangal (Anticipated Endowment Assurance)
  • Gram Priya (10 Years RPLI)
  • Children Policy

Eligibility :

  • Age between 19 and 50 years as on next birth date of the proponent
  • Any public resident in Rural areas

Benefits in the both schemes :

  • 100% security by Government of India
  • Income Tax Rebate under Sec. 88.
  • Low Premium.
  • High Bonus.
  • Options for Loan, Assignment, Surrender, Conversion and Paid Up Value.
  • Repayment of Loan is optional. However interest is payable every 6 months.
  • Easy transfer to any place in India free of cost.
  • Pass book facility for payment of premia & other payments like loan, interest through any Departmental Post Office.
  • Pay recovery facility for Institutions and Organizations having more than 20 policies.
  • Facility for payment of premia monthly, half yearly and annually on any working day of the month for which it is due.
  • Rebate @ 1% for payment of 6 months premia in advance.
  • Rebate @ 2% for payment of 12 months premia in advance.
  • Nomination facility.
  • Facility for revival of policies lapsed due to non-payment of premium.
  • Payment of policy money through any Post Office, anywhere in India.
  • Centralized accounting for quick and easy settlement of claims through fully computerized office management.
  • Facility of payment of premium by cheque when the amount is Rs.20/- or more.

For know about more schemes , benefits and details Click here.

Feel free to contact us (Working hours 10.00AM - 05.00PM)
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Rural PLI Customer Care 044-28544900
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