Now, PLI and RPLI Customers can pay their premium online through Debit/Credit Card, Net Banking, Wallet & UPI.
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Customer Portal > FAQ
Common FAQ's
When did PLI start?

PLI as a scheme has been available since 01.02.1884.

What is the difference between PLI and other Insurance?

PLI is only for Government, Semi-Government employees and professionals.

Is there any limit to the number of policies one can take for children?

One policy on each child can be taken, subject to the maximum of two children.

How can a policy be transferred from one Post Office to another?

PLI /RPLI policy need not be transferred from one Circle to another Circle. Now premium can be paid at any post office across the country and policy payment can also be taken from any post office.

Which type of PLI policy is more beneficial to opt for without hesitation?

Every scheme has some unique features, as given in pre-pages.

If one spouse is working in a Govt. organization but the other is not, is there any scheme in PLI for both?

'YugalSuraksha' scheme under which both can jointly get a policy, after paying a little more premium.

Can one continue the Policy if one quits the Government Service?

One can continue by making payment at any post office throughout the country, even after quitting service.

Is loan facility available?

Loan can be taken from Endowment Assurance, YugalSuraksha after completion of 3 years and in respect of Whole Life, Convertible Whole Life Policy after completion of 4 years. Loan facility is not available in AEA policies.

Is Home loan available?


What are the terms on which loan can be availed?

  • Endowment Assurance (Santosh)policies after 3 years from date of issue of policy.
  • Whole Life Assurance (Suraksha)policies after 4 years.
  • Interest @ 10 % p.a calculated on six monthly basis.
  • Loan entitlement is calculated on a prefixed proportion of the surrender value.
  • Interest is payable once in six months.

What is surrender value of a policy?

"Surrender value" of a policy, means the amount Life assured when on surrender of a policy for immediate cash payment.

What will be the surrender value of the policy?

"Surrender value" of a policy, means the amount Life assured when on surrender of a policy for immediate cash payment.

Can one get the full amount paid with accrued bonus, if policy is surrendered prematurely?

  • Proportionate Bonus on reduced sum assured is paid if policy is surrendered after 5 years.
  • Endowment Assurance policy can be surrendered after 36 months
  • WLA policy can be surrendered after 48 months
  • No surrender of AEA policy
  • No, Bonus will be given only once policy completed. Surrendering any policy is always a loss.

Premia Payment
What is the mode of premium deposit?

Premium receipt book is issued to the insurants for deposit of Premium in any Departmental PO. There is a facility of recovery from pay for all employees belonging to central government organizations.

Is there any other mode of payment?

Premium can be paid online through

Is premium recovered through salary?

Yes, recovery of the premia through salary is possible.

If one had taken a PLI policy six years back, but after credit of only 20 monthly premium, the insurant could not deposit further premium and now has realized that due to non credit of premium for 36 months, his policy has become discontinued and no amount against that is payable unless it is revived . Is it possible to revive this policy?

Yes, before date of last premium, he can apply for its revival and after credit of due premium with interest @ 12% per annum and a good health certificate, he can continue this policy. After revival due bonus will be automatically attached with this policy.

Can one revive a lapsed policy?

If the premia are not paid for 6 month in case policy within 3 year, (or) 12 months in case of policy is for more than 3 years, then the policy becomes lapsed. This needs revival to make it active. Revival shall be on any number of occasions during the entire term of the policy.

What happens if one forgets to pay one's premium in a month?

One can pay the premium in the subsequent month, by paying a minimum fine of 1% of premium amount per month.

Income Tax & Rebate
Is income tax rebate admissible for PLI policies?

Available under section 80 C of I.T. Act. toward premium paid.

Is there any special rebate for PLI premium?

For every Rs.20000/- sum assured Rs.1/- is allowed as rebate every month, as long as the policy continues e.g. for taking lakh policy PLI allows Rs.5/- as rebate in EA/WLA/AEA policy. Further, if premium is paid in advance for six months 1 % rebate will be given. If premium is paid in advance for 12 months 2 % rebate will be given. Besides this rebate, Income tax Department also allows rebate on Income tax for your premium payment.

How are claims settled?

All claims are settled as per set norms promptly.

What is the amount the nominee is entitled to receive after the death of insurant?

Sum Assured with accrued bonus till the date of death of the policy holder.

Is claim available in suicide case?

Yes, if the policy continues for two years.

Will you compare the signature signed at the time of taking policy with the signature available in claim (maturity) form? What about variation?

PLI payment is made to the right person through proper identification by the local postmaster. The variation in signature will not be a hurdle in taking payment. No comparison is done in normal circumstances.

Medical & Non-Medical Policy
When is the medical examination of proposer mandatory?

Medical examination of the proposer is compulsory in the following cases :-
PLI : Sum assured/Aggregate Sum assured limit is more than Rs. 1 lacs or proposer's age is more than 35 years.
RPLI : Sum assured/Aggregate Sum assured limit is more than Rs.25,000/- or proposer's age is more than 35 years.

What are the benefits of medical policy?

It is always better & safe to go for medical policy. Non medical policy attracts deduction of a sizable percentage of death claim amount, if policy holder dies within 3 years from the date of acceptance of policy.

Has a declaration on proposal form about fitness/medical history any bearing on the policy is safe?

Yes, it is always safe and secure to declare truthfully about one's health condition, ailments or family history while taking a policy.

Nomination & Assignment
When can assignment of a policy be made?

Policies may be assigned by the policy holder, either:
For valuable consideration, loan against policy or by way of gift.

Is there any nomination facility in PLI & RPLI?

Nomination can be made for maximum three persons.

Why is nomination necessary?

A policy holder is advised to nominate a person to whom the sum assured shall become payable in the event of his death, so as to save his legal heirs the trouble and expense of obtaining legal title to the sums payable under the policy.

What happens in the event of the nominees also pre-deceases?

Where the policy matures for payment during the life time of the person whose life is insured or where the nominee or, if there are more nominees than one, all the nominees die before the policy matures for payment, the amount secured by the policy shall be payable to the policy holder or his heirs or legal representatives of the holder on the basis of succession certificate as the case may be.

Who can take a RPLI Policy?

All persons, male or female, who permanently reside in rural areas and are ordinarily residents in India in the age group between 19 years and 55 years, can take RPLI policies. A person having non standard age proof should be in age group between 19 years and 45 years.

Which are standard age proofs?

Extract from School Register, extract from transfer certificate, extract from service register, extract from service records of small commercial institute, ID card of Defense Personnel, Board or University Certificate showing date of birth, Municipal or other live records.

Which are non standard age proofs?

Horoscope, elder's declaration, Medical examiner's appropriate age certificate, self-declaration counter signed by Panchayat member.

What if the nominee is a child? Will the money be paid to him?

The holder of a policy of life insurance may, where the nominee is a minor, appoint any person to receive the money secured by the policy in the event of his death during the minority of the nominee. The consent of the appointee should be obtained at the same time as the appointment is made. Provision for this is made in the Proposal form.

How can assignment of a policy be made?

The assignment may be made either by an endorsement on the reverse of the policy itself or by a separate deed. The assignment must be dated and signed by the assignor in the presence of a witness. Except in the case of an assignment in favour of the President of India as a security for the repayment of any loan granted out of the fund, an assignment, otherwise complete, will be inoperative against the Fund, unless a notice in writing of the assignment has been delivered to the CPC/Divisional Head /Chief Postmaster General/ Postmaster General.

Customer Care
How does the customer get a grievance settled?

Customers can contact the Customer Care Centre, Office of the Chief PMG of the concerned Postal Circle from where the policy has been taken. Toll free numbers : 1800 5232/155232