RPLI Gram Suraksha (Whole Life) Calculator
Calculate premium for Rural Postal Life Insurance (Gram Suraksha). Pay premiums for a limited term, enjoy coverage till age 80.
Calculate Gram Suraksha Premium
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What is RPLI Gram Suraksha (Whole Life)?
Gram Suraksha is a Whole Life Assurance scheme under Rural Postal Life Insurance (RPLI). It provides life insurance cover up to 80 years of age with a high bonus rate. The policy is designed for residents of rural areas.
Eligibility & Key Details
| Entry Age | 19 to 55 Years |
| Minimum Sum Assured | ₹10,000 |
| Maximum Sum Assured | ₹10,00,000 (₹10 Lac) |
| Maturity Age | 80 Years |
| Bonus Rate | ₹60 per ₹1,000 SA per year |
Premium Payment Options
You choose to pay premiums only until a certain age — the coverage and bonus accumulation continue until age 80.
- Option 1: Pay premiums until age 55.
- Option 2: Pay premiums until age 58.
- Option 3: Pay premiums until age 60.
Key Features
- Maturity Benefit: Sum Assured + Accumulated Bonus paid at age 80.
- Death Benefit: Full Sum Assured + Bonus paid to nominees on death before 80.
- Loan Facility: Loan available after 4 years of premium payment.
- Surrender: Policy can be surrendered after 3 years.
- High Bonus: One of the highest bonus rates among insurance schemes.
Estimated Monthly Premium (for ₹1 Lac SA)
Below is an estimated monthly premium for a ₹1 Lakh policy paying till age 55.
| Age of Entry | Est. Monthly Premium |
| 25 Years | ₹220 – ₹250 |
| 30 Years | ₹250 – ₹290 |
| 35 Years | ₹300 – ₹350 |
| 40 Years | ₹370 – ₹430 |
| 45 Years | ₹480 – ₹540 |