RPLI:  Rural Postal Life Insurance 


RPLI IS ONE OF THE BEST SCHEMES FOR RURAL AREA PEOPLE. Malhotra committee.., The Malhotra committee advocated implementing the RPLI scheme (in 1993) because postmasters have a positive relationship with customers in rural areas. RPLI now has 146 lakh policies.

As a result of the recommendation of the Official Committee for Reforms in the Insurance Sector, the Rural Postal Life Insurance (RPLI) scheme was introduced in 1995 for the benefit of the rural populace to extend insurance coverage to people living in rural areas with a special emphasis on weaker sections and women workers.


If the policy is surrendered before 5 years, the bonus money is forfeited. According to the most recent numbers, the gram Santosh incentive rate is Rs. 48 for every 1000 amount insured.

Minimum Maximum
Rs. 10,000 Rs. 10 Lakhs

Incentive amount for a new proposal under RPL:

The procurement incentive will be payable on the procurement (first year). 4.2 For all types of RPLI policies, each sales force category will get a procurement incentive of 10% of the procurement (first year) premium.

Premium Paying Term Incentive Structure
More than 25 years 20% of First-year Premium

Can I surrender RPLI?

The procurement incentive will be payable on the procurement (first year). 4.2 For all types of RPLI policies, each sales force category will get a procurement incentive of 10% of the procurement (first year) premium.


STEP :1  Login to the ippb mobile banking app

STEP:2  After successful login into ippb mobile banking app select  POST OFFICE SERVICES

STEP:3  Select postal life insurance 

STEP:4  select pay premium

step:5 enter the policy number and date of birth then click on the continue 

Step: 6  again click on  the continue and confirm it 

Step: 7  enter MPIN

STEP:8  THE premium was paid successfully

check RPLI balance:

You can also call on the toll-free number 1800 180 5232, 155232. You can also call their landline number 011 24673177.



They are 6 types of rural postal life insurance and it is similar to the PLI

Name of the plan Type of plan Salient features 
Gram Suraksha Whole life plan
  • Whole life insurance plan that can be covered to an endowment plan after 5 years
  • Coverage up to 80 years of age
  • On maturity the sum assured and the bonus is paid
  • On death before 80 years, the sum assured and accrued bonus are paid
  • A loan facility is available after 4 years of the policy term
Gram Santosh Endowment plan
  • Sum assured of up to INR 10 lakhs can be availed
  • Bonus is added under the plan
  • Loan facility after 3 years
Gram Suvidha Convertible whole life plan
  • The plan can be converted to endowment after five years of buying the policy
  • Bonus is added to the plan’s benefits
  • A nominee will receive the assured sum in case of death
Gram Sumangal Money-back plan
  • Money-back benefits pay a part of the sum assured at periodic intervals
  • In case of death, the full sum assured with bonus is paid irrespective of money-back benefits already paid
Gram Priya Money-back plan
  • The policy has a fixed tenure of 10 years
  • 20% of the sum assured is paid at the end of the 4th and 7th policy years
  • Bonus is also added to the plan
  • There will be no interest in premiums during years of flood, drought, or earthquake
Bal Jeevan Bima Child plan
  • Up to two children can be covered under the plan
  • If the parent dies the premiums are waived but the coverage continues

Whole Life Assurance (Gram Suraksha)

Endowment Assurance (Gram Santosh)

Convertible Whole Life Assurance (Gram Suvidha)

Anticipated Endowment Assurance (Gram Sumangal)

10 Years Rural PLI (Gram Priya)

Children Policy (Bal Jeevan Bima)

  • Whole Life Assurance (Gram Suraksha)

Life Insurance Coverage (Gram Suraksha) This is a scheme in which the promised amount plus accumulated bonus is paid to the insured upon reaching the age of 80, or to his/her legal representatives or assignees upon the insured’s death, whichever occurs first, provided the policy remains in existence on the date of claim.

Whole life assurance is provided under the Gram Suraksha Rural Postal Life Insurance Scheme. The maximum amount guaranteed is Rs. 1 lakh.

Gram Suraksha Rural Postal Life Insurance Scheme Eligibility Requirements.

Minimum Entry Age 19 years
Maximum Entry Age 45 years
Maximum age at Maturity 55, 58 and 60 years

  • Endowment Assurance (Gram Santosh)

The Gram Santosh endowment assurance plan provides coverage for the policyholder’s lifetime up until the predetermined age of maturity. The policy pays promised death payments and earned bonuses to the remaining family members in the event that the life assured passes away before reaching the age of maturity.

Features of gram Santhosh:-

Death benefit:- Assigned nominees can claim the death benefit amount if the death of the policyholder occurs before attaining the pre-determined maturity age. The benefit amount is paid along with accrued bonuses.

Maturity benefits; -if the policyholder survives the pre-specified age of maturity, he/she

Can claim maturity benefit up to the sum assured, payable along with the bonus amount.

Eligibility criteria: should you wish to purchase the gram Santhosh postal insurance cover for yourself, see the below criteria 

criteria Minimum  maximum
Entry age 19 years
Maturity age 35,40,45,50,55,58 Or 60 years
Sum assured Rs.10,000 Rs .10 lakhs
Bonus rate Rs. 48 per Rs 1,000 Sum assured


Loan benefit: this rural postal life insurance scheme also offers the benefit of availing loans against the sum assured to finance any liquidity needs of the life assured. This facility can only be availed of after completing 3 policy years

Surender benefit: if the policyholder chooses to determine the policy, a reduced sum shall be payable to him/her. however, the reduced sum assured is only payable if the policy is surrendered after completing 3 policy years.

Accrued bonuses:-  the bonus under RPLI gram Santosh accrues at a rate of Rs.1000 sum assured .in the case that the policy is surrendered before completing 5 policy years, the policyholder shall not be entitled to the bonus amount.

Policy conversion:- the maturity age decided at the time of policy inception can be extended further at the time of maturity.

Medical examinations:- no, medical examinations will apply if the policyholder is aged 35 or less. Further, medical tests are also eliminated if the sum assured under the cover is less than or equal to Rs. 25,000.

 Premium payment:- premium payments shall cease once the policyholder attains the age of 35,40,45,50,55,58, or 60 years, as opted for the life assured at the time of policy inception . premiums can be paid monthly, or quarterly. Half-yearly, yearly, or through salary deductions.

Convertible Whole Life Assurance (Gram Suvidha)

A convertible whole-life rural postal insurance policy called Gram Suvidha provides life coverage up to the amount assured. The life insurance continues in effect until the policyholder reaches maturity age and if all required premium payments have been made. A type of life insurance known as convertible insurance gives the policyholder the ability to convert a term policy into a whole or universal coverage without having to reapply for the policy and through the medical underwriting process.

What is convertible whole life assurance in the post office?

Convertible Whole Life Insurance (Suvidha):

Scheme: Assured amount + accrued bonus is paid to the proponent when he or she attains the pre-decided age of maturity.

A Whole Life Assurance Policy comes with an additional feature that gives the policyholder the opportunity to convert to an Endowment Assurance Policy after five years of holding the Whole Life Assurance Policy.

  • assurance up to the amount of the money guaranteed with interest earned until the insured person reaches the age of maturity
  • In the event of the insured’s death, the full amount of the sum promised, along with any earned bonuses, was paid to the assignee, nominee, or legal heir.
  • At the time of entrance, applicants must be between 19 and 45 years old.
  • After five years, but no later than six years after taking out the policy, it is possible to convert to endowment assurance. In the event that the policy is not converted, it will be handled as Whole Life Assurance.
  • Minimum sum assured ₹ 10,000; Maximum ₹ 10 lac
  • After a period of four years, the loan facility is.
  • Surrender after 3 years
  • If the investment is given up before the conclusion of 5 years, the incentive will not be paid.
  • The most recent bonus offered was sixty rupees every one thousand rupees each year (for WLA policy if not converted to Endowment Assurance)
  • At the time of conversion, the bonus for the Endowment Assurance will be paid out.

Anticipated Endowment Assurance (Gram Sumangal)

Gram Sumangal Rural Postal Life Insurance Scheme is a money-back scheme policy that is also known as the RPLI Anticipated Endowment Assurance. Both of these names refer to the same insurance program. In addition to providing inhabitants of rural areas with insurance coverage, this program also gives cashback on a regular basis. Individuals who require periodic requirements of cash for short-term financial commitments are perfect candidates for participation in the post office plan, which is also known as the Anticipated Endowment Assurance program. The purpose of this program is to make insurance coverage available to people living in rural areas. This plan offers two distinct sorts of schemes, the primary ones being schemes with terms of 15 years and 20 years respectively. The advantages of this money-back policy are guaranteed to be paid out at regular intervals. Even in the event of an untimely death, the entire guaranteed amount as well as any bonuses that had been accumulated up until the time of the decedent’s passing will be paid out to the decedent’s lawful heirs.

Eligibility criteria:

Let us now discuss the eligibility criteria for the Gram Sumangal scheme post office.

Minimum entry age 19
Maximum entry age 45 for a 15-year term

40 for a 20-year term

Eligible employees State government

Reserve bank of India

Central Government

Local bodies

Defense services

Public Sector Undertakings

Para Military Forces

Government-aided educational institutions

All scheduled Commercial banks

Autonomous bodies

Financial institutions

Nationalized banks

Extra departmental agents in the department of posts

Features of Gram Sumangal

 Let us now discuss the important features of Gram Sumangal.

Plan type Anticipated Endowment Plan
Plan basis Individual plan
Paying terms Monthly
Mode of payment Premium receipt book or cheque
Policy term l  15-year term policy

l  20-year term policy

Funds 100% centrally funded
Medicals Any sum which exceeds Rs 25,000 requires a medical examination



Loan facility Not available
Assignment facility Not available
Alterations l  No alteration allowed

l  Can convert to Endowment Assurance plan

Nomination Acceptance
Minimum sum assured Rs 10,000
Maximum sum assured Rs 50,000
Surrender value No surrender value

Benefits of Gram Sumangal

10 Years Rural PLI (Gram Priya)

The 10 Years RPLI coverage is a form of short-term money-back insurance. In some circles, it is also referred as Gram Priya.

This policy covers a period of ten years, as the name suggests. Only people living in rural areas are eligible for this policy. This insurance coverage does not fall within the PLI (Postal Life Insurance) category and so cannot be purchased.

This is a policy of investment-grade whole life insurance.

You will receive the benefits of this money-back insurance policy at regular intervals throughout the term of the policy. Those individuals who require benefits and returns at predetermined periods are a good fit for this program.

Your nominees or your legal heirs will get the entire sum insured amount, as well as any bonuses that have accrued up until the day of your death if you should unexpectedly pass away while the policy is still active.

Age of Entry

This insurance coverage can be purchased by people between the ages of 19 and 45, depending on the specific policy.

Policy Term

The duration of this policy is ten years. There are no other terms that are available.

Total Amount Guaranteed

The bare minimum is 10,000 Indian rupees.

The maximum amount is ten million rupees.

Bonus Percentage

At this time, the bonus rate is Rs. 45 per Rs. 1,000 Sum Assured on an annual basis.

The bonus rate is not consistent and is subject to change at any time based on what the government decides to reveal.

Money Back Benefit Details

The duration of this policy is going to be 10 years. According to the following timetable, you will be given your money back in accordance with this policy.

20% of the amount of Sum Assured at the conclusion of the fourth year

20% of the remaining Sum Assured balance at the conclusion of the seventh year

60% of the Sum Assured amount, in addition to any bonuses that have been accumulated by the conclusion of the 10th year

Death Benefits

Your nominees or legal heirs will get the entire sum insured amount as well as any bonus amount that has accumulated up until the day of your death if you unexpectedly pass away during the policy term. This includes any amounts that have accumulated in bonus amounts.

In the event that you pass away unexpectedly, any returns you received as part of the periodic money-back program will not be factored into the calculation of the final payment.

Medical Test

If you want to buy this policy, the size of the sum assured as well as your age will determine whether or not you have to submit to a medical examination.

If the sum guaranteed amount is less than Rs. 25,000 and your age is less than 35 years, then you are exempt from having to go through any kind of medical examination.

If the sum insured amount is greater than Rs. 25,000 or if you are older than 35 years old, then you are required to have a medical examination in order to demonstrate that you are in good health.

Children Policy (Bal Jeevan Bima)

Policy Regarding Children (Bal Jeevan Bima) The following is a list of the most important aspects of this plan: The program offers life insurance coverage to the offspring of policyholders at an affordable rate. The policyholder (parent) can have a maximum of two children who are eligible. Children from 5 to 20 years old are eligible for this program.

Eligibility of Rural Postal Life Insurance – Bal Jeevan Bima

Criteria Minimum Maximum
Entry Age of Children 5 years 20 years
Entry Age of Policyholder (Parent) NA 45 years
Number of Children Maximum of 2 children
Maximum Sum Assured Rs. 1 Lakh or equal to the sum assured for the parent’s cover (whichever is less)


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