India's #No.1 Trusted
Postal Life Insurance Calculator
Figure out the actual premium and benefits at maturity using the best available Postal Life Insurance calculator. No matter if it is the PLI calculator or the RPLI calculator, we have you covered.
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Postal Life Insurance (PLI) Calculators
Calculate premium & maturity amount with our most accurate PLI Calculators.
Whole Life (Suraksha)
Lifetime coverage with accumulated bonus payable at age 80 or death.
Endowment (Santosh)
Get maturity amount at a specific age (35, 40, 45, 50, 55, 58, 60).
Convertible (Suvidha)
Start as Whole Life and convert to Endowment Assurance after 5 years.
Money Back (Sumangal)
Periodic returns: 20% payouts every few years with insurance cover.
Joint Life (Yugal Suraksha)
Life insurance coverage for both spouses under a single premium.
Children Policy (Bal Jeevan)
Secure your children's future. Max Sum Assured ₹3 Lakhs.
Rural Postal Life Insurance (RPLI) Calculators
Fast, Free and Accurate RPLI Calculator for premium and maturity results.
Gram Suraksha
RPLI Whole Life Assurance. Maximum coverage for rural citizens.
Gram Suvidha
RPLI Endowment Plan. Savings and Insurance combined.
Gram Santosh
RPLI Endowment Plan. Savings and Insurance combined.
Gram Priya
Unique short-term scheme (10 years only) for rural citizens.
Gram Sumangal
Anticipated Endowment. Get money back periodically.
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What is Postal Life Insurance (PLI)?
Postal Life Insurance (PLI) founded in 1884, stands as India longest standing and most reliable government powered life insurance scheme. While it was initially meant for Postal employees, its coverage now extends to Personnel from Central and State Governments, Defense, Banking institutions, Accredited Professionals and Indian citizens.
One of the main benefits of Postal Life Insurance is its ability to provide higher bonus rates at lower premiums than other private insurance providers in the market. It provides a dual benefit: financial security for the family in case of death and excellent returns on maturity.
Eligibility & Comparison
| Eligibility | PLI | RPLI |
|---|---|---|
| Target Audience | Govt, PSU, Bank Employees & Professionals | Rural residents of India |
| Min Entry Age | 19 Years | 19 Years |
| Sum Assured | ₹20,000 - ₹50 Lakh | ₹10,000 - ₹10 Lakh |
PLI Bonus Rates 2025
How to Apply
Online Process
Register on PLI Portal (pli.indiapost.gov.in), upload KYC, and pay premium.
Offline Process
Visit nearest Post Office, contact Field Officer, and submit physical form.