Rural Postal Life Insurance (RPLI) is a government-backed life cover scheme launched by India Post in 1995. The RPLI scheme in post office provides highly affordable, low-premium policies with attractive bonuses to rural citizens, targeting particularly women workers, farmers, and economically weaker sections across the country.
Rural Postal Life Insurance (RPLI) was introduced on 24 March 1995 to extend insurance coverage to people living in rural areas of India. In 1993, a special committee named Malhotra Committee reported that insurance created a very small percentage of the gross household savings of India i.e., life insurance funds accounted for only 10% of the total household savings and only 22% of the population eligible for insurance coverage in India had been insured. The Indian Government approved all the committee’s recommendations and allowed Postal Life Insurance to increase its insurance coverage to the rural areas.
The aim of RPLI scheme in post office is to offer insurance coverage to the rural population and to provide benefits to the women workers of rural regions and weaker sections of society. Also, RPLI post office is creating awareness about insurance among rural masses. Leveraging the vast post office network, RPLI makes insurance accessible and cost-effective for rural communities that were previously underserved.
Term Plans
There are currently 6 different types of plans under Rural Postal Life Insurance scheme.
Under this RPLI post office scheme, the assured amount along with an accrued bonus is paid to the policyholder either upon acquiring 80 years of age or to their legal representatives/assignees on the assured’s death (whichever occurs earlier), provided the plan is in force on the claim date.
| Parameters | Minimum | Maximum |
| Entry Age | 19 years | 55 years |
| Sum assured limit | Rs. 10,000 | Rs. 10 Lacs |
| Policy Term/Maturity | 80 years or death (whichever is earlier) | |
| Loan Facility | After 4 years | |
| Surrender | After 3 years (if it surrendered before 5 years, bonus is not payable in the policy) | |
| Conversion Facility | Plan can be converted into endowment assurance plan upto the maximum age of 59 years | |
| Premium payment ceasing age | May be opted for as 55, 58 or 60 years | |
| Bonus | Rs. 60/-per Rs. 1000 sum assured per year |
This RPLI post office scheme comes with an added feature to convert the whole life assurance plan to an endowment assurance plan at the end of the 5 years of buying a policy.
| Parameters | Minimum | Maximum |
| Entry Age | 19 years | 45 years |
| Sum assured limit | Rs. 10,000 | Rs. 10 Lacs |
| Policy Term/Maturity | 80 years or death (whichever is earlier) | |
| Loan Facility | After 4 years | |
| Surrender | After 3 years (if it surrendered before 5 years bonus is not payable) | |
| Conversion Facility | Plan can be converted into endowment assurance plan after 5 years, but later than 6 years of buying the policy. In case of non-conversion, the plan will be continue as Whole Life Assurance. | |
| Premium payment ceasing age | May be opted for as 55, 58 or 60 years | |
| Bonus | Rs. 60/-per Rs. 1000 sum assured per year as on 01.04.2023 |
Note: Bonus of Endowment Assurance will be paid in case of conversion.
In this RPLI scheme in post office, an assurance is given to the proponent to the extent of the Sum Assured and accrued bonus till he/she acquires the pre-determined maturity age (35 years to 60 years of age). Legal heir/nominee/assignee is paid the total Sum Asssured with accrued bonus in case of life assured’s death.
| Parameters | Minimum | Maximum |
| Entry Age | 19 years | 55 years |
| Sum assured limit | Rs. 10,000 | Rs. 10 Lacs |
| Loan Facility | After 3 years | |
| Surrender | After 3 years (if it surrendered before 5 years, bonus is not payable) | |
| Bonus | Rs. 48/-per Rs. 1000 sum assured per year as on 01.04.23 |
The Post Office Gram Priya Scheme is a money back plan for the people living in rural areas only. The 10-year RPLI is a money-back insurance plan that provides periodic survival benefits during the policy term. If the policyholder passes away during the tenure, the nominee receives the full sum assured along with the accrued bonus. This RPLI post office suitable for individuals seeking regular payouts and life insurance protection.
| Parameters | Minimum | Maximum |
| Entry Age | 20 years | 45 years |
| Sum assured limit | Rs. 10,000 | Rs. 10 Lacs |
| Policy Term | 10 years | |
| Loan Facility | Not Available | |
| Surrender | Not Available | |
| Bonus | Rs. 45/-per Rs. 1000 sum assured per year as on 01.04.23 | |
| Survival Benefits | 20% of sum assured on completion of 4th and 7th year of policy and the remaining 60% with a bonus at maturity age |
This RPLI post office scheme is a money back plan which has a maximum Sum Assured of Rs. 10 Lakhs. This plan is best suitable for those people who need returns periodically. The survival proceeds are paid to the policyholder on a periodic basis. These types of payments will not be considered in case of an unforeseen policyholder’s death. In this case, the total Sum Assured with accrued bonus is paid to the nominee/legal heir/assignee.
| Parameters | Minimum | Maximum |
| Entry Age | 19 years | 40 years for 20 years term plan 45 years for 15 years term insurance plan |
| Sum assured limit | Rs. 10,000 | Rs. 10 Lacs |
| Policy Term | 15 years and 20 Years | |
| Loan Facility | Not Available | |
| Surrender | Not Available | |
| Bonus | Rs. 45/-per Rs. 1000 sum assured per year as on 01.04.23 | |
| Survival Benefits | For 15-year term policy- 20% of sum assured on completion of 6th, 9th and 12th year of policy and balance 40% with bonus on maturity. | |
| 20% of sum assured on completion of 8th, 12th and 16th year of policy and balance 40% with bonus on maturity. |
Bal Jeevan Bima is an RPLI scheme in post office for the children of rural policyholders. It provides life cover for up to two children aged 5 to 20 years. The maximum sum assured is ₹1 lakh or the parent's sum assured, whichever is lower.
| Parameters | Minimum | Maximum |
| Insurance cover | Maximum of 2 children of EA/WLA policyholders | |
| Entry Age (child) | 5 years | 20 years |
| Entry Age of parent (policyholder) | - | 45 years |
| Sum assured limit | Rs. 20,000 | Rs. 1 Lacs |
| Medical Examination | Not necessary for child | |
| Loan Facility | Not Available | |
| Surrender | Not Available | |
| Bonus | Rs. 48/-per Rs. 1000 sum assured per year as on 01.04.23 |
Here are the bonus rates of Rural Postal Life Insurance schemes:
| Types of Insurance Plan | Bonus Rates of RPLI Scheme (per 1000 SA per year) |
| Whole Life Assurance (Gram Suraksha policy) | Rs 76/- |
| Convertible Whole Life Assurance (Gram Suvidjha policy) | Rs 76/- (applicable for a Whole Life Assurance policy that hasn't been converted to Endowment Assurance. Upon conversion, you'll receive the bonus associated with the Endowment Assurance) |
| Endowment Assurance (Gram Santosh) | Rs 52/- |
| 10 Years Rural RPLI (Gram Priya) | Rs 52/- |
| Anticipated Endowment Assurance (Sumangal policy) | Rs. 48/- |
| Gram Bal Jeevan Bima – Children Policy | Rs 52/- |
| Financial Year | RPLI | ||
| Rate of Bonus per thousand of sum assured | |||
| Whole Life Assurance (WLA) | Endowment Assurance (EA) (including children policies) | Anticipated Endowment Assurance (AEA) | |
| 2009-10 | 65 | 50 | 47 |
| 2010-11 | 65 | 50 | 47 |
| 2011-12 | 65 | 50 | 47 |
| 2012-13 | 65 | 50 | 47 |
| 2013-14 | 65 | 50 | 47 |
| 2014-15 | 65 | 50 | 47 |
| 2015-16 | 65 | 50 | 47 |
| 2016-17 | 65 | 50 | 47 |
| 2017-18 | 65 | 50 | 47 |
| 2018-19 | 65 | 50 | 47 |
| 2019-20 | 65 | 50 | 47 |
| 2020-21 | 60 | 48 | 45 |
| 2021-22 | 60 | 48 | 45 |
| 2022-23 | 60 | 48 | 45 |
| 2023-24 | 60 | 48 | 45 |
Rural Postal Life Insurance (RPLI) policies come with several practical benefits that add flexibility and security for policyholders:
Lapsed policies can be revived by paying the pending premiums within the permitted period. You can check the premium amount using the RPLI calculator.
Policyholders can avail loans against their RPLI policy, providing financial support in times of need.
Plans can be switched or changed from one type to another e. g. changing from a Whole Life Assure plan to an Endowment Assure plan after a given time period.
Nominee information can be revised any time if you send a note to the relevant post office.
If policy papers are lost or destroyed, an exact copy is available.
You can also check the benefits of term insurance.
You can find your Rural Postal Life Insurance (RPLI) policy details through various sources:
To learn about your RPLI insurance policy like, when you last paid the premium, what your policy current status is and other details such as cumulative bonus, etc. log in on the official website of the Postal Life Insurance, the customer portal.
If your RPLI policy is in process, then you can track the status online by providing your proposal number through the proposal tracking service.
Several premium payment services and other policy servicing facilities for the Rural Postal Life Insurance are available to the policyholders through the India Post Payments Bank (IPPB) mobile app.
RPLI policy details can be checked, updated, or assistance can be obtained from the postal staff if you simply carry your policy bond/passbook and go to the post office.
You can get help with your RPLI policy details by contacting the Postal Life Insurance customer care helpline for policy status, premium information, or other service-related support.
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India Post is the main channel where you can purchase Rural Postal Life Insurance, but you can also buy it at an RPLI Post Office by going there in person. Before starting the application, take some time to learn all about the Rural Postal Life Insurance Plan Details, RPLI Policy Details, and also get a rough idea of your premium by using the Rural Postal Life Insurance Calculator.
Step 1: Visit the India Post portal and select Purchase a Policy.
Step 2: Enter your mobile number, email ID, and PIN code. The nearest RPLI Post Office will be displayed.
Step 3: Fill in the proposal form with your personal and nominee details.
Step 4: Pay the first premium online.
Step 5: Upload the required KYC and supporting documents to complete your Post Office RPLI Scheme application.
Step 1: Visit the nearest RPLI in Post Office branch and collect the application form.
Step 2: Fill in the form and attach the required KYC documents. A medical report may be needed for some policies.
Step 3: Pay the initial premium at the counter. Your RPLI Post Office Scheme application will then be processed.
Proposal Form
Self-attested or thumb impressed age proof such as:
Birth Certificate
School Certificate/Mark sheet
PAN Card / PRAN Card
Passport
Driving Licence
Aadhar Card
Voter-id
Elder’s declaration
Approximate age certificate from the Medical Examiner
Declaration by the life assured, and then signed by a Panchayat Member
Self-attested or thumb impressed address proof and identity proof such as:
Aadhar Card
Voter-id
Passport
Driving License
Ration Card
Electricity Bill or Water Bill
Medical Report
Declaration of Medical Examiner
Declaration in cases wherein the proposer is illiterate
Certificate and Confidential Report by DO/FO(PLI)/AGENT
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Rural Postal Life Insurance (RPLI) is a suitable choice for individuals who live in rural area and are looking for a reasonable life insurance policy with the added advantage of savings benefits over the years. Besides low premium rates, RPLI will give assured financial safeguard, enable you to earn bonuses, and allow you to pick from various Rural Postal Life Insurance schemes. It helps families prepare financial safety nets and also life Insurance coverage in return. This would be a decent choice for those looking for a government-insured product that gives stable returns.
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