How to Pay PLI ( Postal Life Insurance ) Premium Online @ pli.indiapost.gov.in Login Details have set up by yourself at India Post Official Website www.indiapost.gov.in

Registration at indiapost.gov.in for Online Payments
To deal with Cashless Transactions/Electronic Transactions at India Post for PLIWe have register first at indiapost.gov.in.

Insurance Plans in PLI
PLI offers the following six types of policies:
Whole Life Assurance (Suraksha)
Endowment Assurance (Santosh)
Convertible Whole Life Assurance (Suvidha)
Anticipated Endowment Assurance (Sumangal)
Joint Life Assurance (Yugal Suraksha)
Children Policy (Bal Jeevan Bima)
 Salient Features of PLI policies

1. Whole Life Assurance (Suraksha) 
This is a scheme where the assured amount with accrued bonus is payable to the insured either on attaining the age of 80 years, or to his/her legal representatives or assignees on death of the insured, whichever occurs earlier, provided the policy is in force on the date of claim.

Minimum & Maximum age at entry: 19-55 years
Minimum Sum Assured ₹ 20,000; Maximum ₹ 50 lac
Loan facility after 4 years
Surrender after 3 years
Last declared Bonus- ₹ 85/- per ₹ 1000 sum assured per year

2.Endowment Assurance (Santosh)
Under this scheme the proponent is given an assurance to the extent of the sum assured and accrued bonus till he/she attains the pre- determined age of maturity i.e 35,40,45,50,55,58 & 60 years of age.

In case of death of insurant, assignee, nominee or legal heir is paid full amount of sum assured with accrued bonus

Minimum & maximum age at entry: 19-55 years
Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
Loan facility after 3 years
Surrender after 3 years
Last declared Bonus – ₹ 58/- per ₹ 1000 sum assured per year

3.Convertible Whole Life Assurance (Suvidha)
This is a Whole Life Assurance Policy with the added feature of an option to convert to Endowment Assurance Policy at the end of five years of taking policy.

Assurance to the extent of sum assured with accrued bonus till attainment of maturity age
In case of death, assignee, nominee or legal heir paid full amount of sum assured with accrued bonus
Minimum age & Maximum age at entry: 19-50 years
Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
Loan facility after 4 years
Surrender after 3 years
Last declared Bonus- ₹ 85/- per ₹ 1000 per year (for WLA policy if not converted to Endowment Assurance)

4. Anticipated Endowment Assurance (Sumangal)
It is a Money Back Policy with maximum sum assured of ₹ 50 lacs, best suited to those who need periodical returns. Survival benefits are paid to the insurant periodically. Such payments will not be taken into consideration in the event of unexpected death of the insurant.  In such cases, full sum assured with accrued bonus is payable to the assignee, nominee of legal heir.

Policy term: 15 years and 20 years
Minimum age 19 years; maximum age at entry 40 years for 20 years’ term policy & 45 years for 15 years’ term policy
Survival benefits paid periodically as under: –
15 years Policy- 20% each on completion of 6 years, 9 years & 12 years and 40% with accrued bonus on maturity
20 years Policy- 20% each on completion of 8 years, 12 years & 16 years and 40% with accrued bonus on maturity
Last declared bonus -₹ 53/- per ₹ 1000 sum assured per year

5.Joint Life Assurance (Yugal Suraksha)
It is a Joint Life Endowment Assurance in which one of the spouses should be eligible for PLI policies.

Life cover to both spouses to the extent of sum assured with accrued bonus.
Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
Minimum age & Maximum age at entry of spouses: 21-45 years
Maximum Age of the elder policy holder should not be more than 45 years & the couple should be between 21 years to 45 years.
Loan facility after 3 years
Loan after 3 years
Death benefits are paid to either of the survivors in the event of death of spouse or main policy holder
Last declared Bonus- ₹ 58/- per ₹ 1000 sum assured per year

6. Children Policy (Bal Jeevan Bima)
The salient features of this scheme are as under:
The scheme provides life insurance cover to children of policy holders.
Maximum two children of policy holder (parent) are eligible
Children between 5- 20 years of age are eligible
Maximum sum assured ₹ 3 lac or equal to the sum assured of the parent, whichever is less
Policy holder(parent) should not be over 45 years of age.
No premium to be paid on the Children Policy, on the death of policy holder (parent).  Full sum assured and bonus accrued shall be paid on completion of term
Policy holder (parent) shall be responsible for payment of Children policy
Attract the rate of bonus applicable for Endowment policy (Santosh) i.e. last bonus rate is ₹ 58/- per ₹ 1000 sum assured per year.

How to Pay PLI Premium Online @indiapost.gov.in-Step by Step Process

1. Visit Postal Department Official Website https://pli.indiapost.gov.in/
2. Go to Postal Life Insurance
3. Click on Customer Login
4. Click on Generate Customer Id
5. Submit your Policy Details along withyour Mobile Number and Enail ID
6. Customer ID and Link will be sent to your Mail within 24 hours
7. Click on the Link sent to your Mail ID and set Password
8. With that Customer ID and Password you can Pay PLI Premium Online by using Debit/ Credit/ Net Banking

Postal Life Insurance

Rural Postal Life Insurance

Pay your PLI Premium

Forms