Dating back to February, 1884, PLI (Postal Life Insurance) is one of the oldest life insurers in the country. Started as a welfare scheme to provide benefits to the employees of the Postal department, PLI has really come a long way. It now offers its policies to a large number of state and central government departments such Nationalised Banks, Universities, Officers and staff of the Defence services, Government Aided Educational Institutions and Para-military forces, amongst a host of others.
PLI is perhaps the only department that has spread its operations to several areas besides its regular mail distribution and collection services. With the advent of technology, it has added many facilities in order to make it easy for people to avail the Postal Life Insurance seamlessly and quickly.
Many policy holders spend endless hours on the phone or standing in queues at one of the Post Offices in order to check their postal life insurance policy status and to make premium payments. Why? This is because a large fraction of policy holders are unaware of the fact that they can now check their postal life insurance policy status not only offline, but also online.
Earlier there was no online facility to check the PLI status. Now you can check your Postal Life Insurance policy status online. You can follow the steps below to track the status of your policy:
If you have a policy, you can simply create an account on India post’s website. You can login to your account and request for postal Life Insurance policy status online.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
You can send an email to pli.dte@gmail[dot]com to obtain the information and status of your PLI policy. You will get the latest updates about the policy.
Log on to the Official Website of India Post:
You can check your Postal Life Insurance Policy status online by logging on to the official website of Indian Post, i.e. www.indiapost.gov[dot]in. You need to click on ‘customer care’ on the top. On clicking on the tab, you will see a drop-down list and you need to pick complain registration option. From the complaint category, choose ‘postal insurance’ and fill the form with your query to provide the information on your latest status.
Now that you know how to check your postal life insurance policy status online, let’s get under the skin of PLI and understand it a little better.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Your premium is decided on age at which you buy the policy and remains same, throughout your life
Premiums can increase between 4-8% each year after your Birthday
Your policy application could be rejected or premiums increase by 50-100%, if you develop a lifestyle disease
Postal Life Insurance is a scheme where you are offered Life Insurance cover with higher returns on the premium. Under this scheme, you can assure a maximum sum of Rs. 50 lakhs. The government of India offers this plan to the employees of State and Central Governments, State and Central Public Sector Enterprises, Universities, Government Aided Educational Institutions, Local Bodies, Autonomous Bodies, Joint ventures with a minimum of 10% of PSU/Government stake etc. Postal Life Insurance also manages a group life insurance scheme for the ‘Gramin Dak Sevaks’, that is, Extra Departmental Employees of Department of Posts.
You can avail the benefits mentioned below by investing in PLI:
Nomination Facility: The insured has the right to nominate his or her beneficiary along with this; he can make any changes to the nomination.
Policy Revival: A lapsed policy can be revived by a policy holder. The insured can revive the policy when it has lapsed under the following circumstances:
Policy lapses if the policyholder does not make payments of 6 successive premiums with the policy being effective for not more than 3 years.
Policy lapses if the insured makes non-payment of 12 successive premiums with the policy being in effect for more than three years.
Conversion of Policy: A policy holder can convert this policy to Endowment Assurance Policy from Whole Life Assurance policy. Endowment Assurance Policy can be transformed to a new Endowment Assurance plan according to the guidelines and regulations laid down by the policyholder.
Loan Facility: The policy holder can take a loan against this policy. The insured can pledge his policy as a security to the Heads of Circle/Region on behalf of India’s President, once the policy attains 3 years maturity in the case of Endowment Assurance policy and 4 years period of policy in case of a Whole Life Insurance policy. The policy holder is provided with assignment facility under this scheme.
Duplicate Policy Document: The policy holder is issued with a duplicate policy document in case of misplacement or loss of the original document. Also, if the insured’s original document is burned, torn or mutilated and require a duplicate copy of the document then he can get it issued.
Postal Life Insurance (PLI) is available in 6 different types for those looking to make the maximum bangs for their bucks by investing in it.
PLI Scheme |
Type of Insurance |
Age Eligibility (in years) |
Conversion |
Sum Assured (in Rs) |
Loan Facility |
Medical Test |
Suraksha |
Whole Life Insurance |
Min - 19 Max - 55 |
Allowed |
Min - 20,000 Max – 50 lakh |
Yes |
Mandatory |
Santosh |
Endowment Policy |
Min - 19 Max - 55 |
Allowed |
Min - 20,000 Max – 50 lakh |
Yes |
Mandatory |
Suvidha |
Convertible Whole Life Insurance |
Min - 19 Max - 55 |
Allowed |
Min - 20,000 Max -50 Lakhs |
Yes |
Mandatory |
Sumangal |
Anticipated Endowment Policy |
NA |
NA |
Max- 50 Lakhs |
NA |
Mandatory |
Yugal Suraksha |
Joint Life Endowment Policy |
Min - 19 Max - 55 |
Allowed |
Min - 20,000 Max -1 Lakhs |
Yes |
Mandatory |
Bal Jeevan Bima |
Children Policy |
Primary Policyholder: Max – 45 Children: Min – 5 Max – 20 |
Not Allowed |
Max – 3 Lakhs |
No |
Not Mandatory |
Now that you know the different types of life insurance policy offered by Postal Life Insurance , let’s check out the key benefits of investing your hard-earned money in PLI.
If you’re still wondering why PLI is so popular? Let us also introduce you to the key features of this amazing scheme.
Over to You!
Now when you know how check your Postal Life Insurance policy status, and make PLI premium payments online, we would recommend you to consider investing in this policy if you are employees of Defence Services, State Governments, Central Government, Para Military Forces, Nationalized Banks and a host of other state owned departments. The different schemes available under PLI would help you ensure maximum savings and comprehensive financial protection for self and loved ones. You can secure the future of your loved ones if you buy term plan.
Helpful Resources: HDFC life insurance, ICICI Life insurance, SBI Life insurance