PLI POLICY GUIDE
PLI Anticipated Endowment Assurance (Sumangal)
A periodic money-back PLI policy providing scheduled survival benefits during the term and a final payment with bonus.
Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.
Calculate Sumangal →Plan at a glance
Policy term15-year or 20-year term
Entry age19 to 45 for 15 years; up to 40 for 20 years in the supplied table
Sum assured basisMonthly rates are quoted per ₹5,000 sum assured
Premium calculationAge band and selected 15- or 20-year term
Key policy features
- Periodic money-back benefits
- Choice of 15-year or 20-year term
- Final 40% benefit with accrued bonus
Maturity and survival benefit
20% survival payments at intervals and 40% plus accrued bonus at maturity. Actual eligibility, bonuses, underwriting and final benefits remain subject to the policy rules and the quotation issued by India Post.
How the premium estimate works
The calculator matches the selected age, maturity age or term against the supplied premium-table row. It scales the published rate to the chosen sum assured and applies the selected payment frequency, rebate and GST breakdown. If no matching table row is available, the result is explicitly labelled as an indicative estimate.