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Who are eligible for obtaining a PLI policy?
Employees  of the following Organizations are eligible.

  • Central Government
  • Defence Services
  • Para Military forces
  • State Government
  • Local Bodies
  • Government-aided Educational Institutions
  • Reserve Bank of India
  • Public Sector Undertakings
  • Financial Institutions
  • Nationalized Banks
  • Autonomous Bodies
  • Extra Departmental Agents in Department of Posts
  • Employees Engaged/ Appointed an Contract basis by central/ State Government where the contract is extendable
  • Employees of all scheduled Commercial Banks
  • Employees of Credit Co-operative Societies and other Co-operative Societies registered with Government under the Co-operative Societies Act and partly or fully funded from the Central/ State Government/RBI/ SBI/ Nationalized Banks/ NABARD and other such institutions notified by Government
  • Employees of deemed Universities an educational institutes accredited by recognized bodies such a National Assessment and Accreditation council, All India Council of Technical Education,Medical council of india etc

Whether salaried professionals in Private Sector can join PLI?

Such categories are not eligible. They can opt for RPLI policies.

If one spouse is working in a Government organization  but the other is not, is there any scheme in PLI for both?

We have ‘Yugal Suraksha’ scheme under which both can jointly get a policy, after paying a little more premium. Both can be covered under this assurance scheme.

Can one continue the policy if one quits the Government Service?

Yes. One can continue by making payment of premium at any one of the 1,55,000 post offices throughout the country, even after quitting service.

For Rural Postal Life Insurance any Indian  residing in Rural India can take RPLI.  Rural area is defined as one being outside the limits of a municipality.

Age Limit: In all policies the age limit is (age as on next birthday):19-55 years. Only in AEA and GRAM Priya in RPLI the maximum age limit is 40 years.


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