PLI POLICY GUIDE
PLI Whole Life Assurance (Suraksha)
Long-duration Postal Life Insurance cover with premiums ceasing at a selected age and whole-life protection.
Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.
Calculate Suraksha →Plan at a glance
Policy termPremiums generally cease at age 55, 58 or 60
Entry age19 to 55, depending on premium-ceasing age
Sum assured basisPremium tables are quoted per ₹5,000 sum assured
Premium calculationAge-at-entry and premium-ceasing-age tables
Key policy features
- Long-term whole-life cover
- Choice of premium-ceasing age
- High declared bonus category compared with endowment plans
Maturity and survival benefit
Whole-life assurance benefit with eligible bonus. 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.