IRDAI & Department of Posts Disclaimer

Regulatory position

Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) are life-insurance schemes owned and administered directly by the Department of Posts (DoP), Government of India, under a special statutory framework dating back to 1884. They are therefore not regulated by the Insurance Regulatory and Development Authority of India (IRDAI), which regulates private and public insurers under the Insurance Act, 1938.

PLI and RPLI plans, bonus rates, sum-assured caps and eligibility rules are notified from time to time by the Department of Posts through official circulars published on indiapost.gov.in.

What this means for you

• Complaints and grievances follow the DoP grievance mechanism (via pgportal.gov.in) and, where applicable, consumer forums under the Consumer Protection Act, 2019.
• The IRDAI Bima Bharosa / IGMS complaint route is not directly applicable to PLI/RPLI.
• PLI/RPLI policies come with a sovereign guarantee of the Government of India — payouts do not depend on the solvency margin of a private company.

About this advisor network

This website is operated by an authorised network of certified PLI and RPLI advisors. Members of the network hold the “Direct Agent” or equivalent authorisation issued by the Department of Posts, empanelled under the relevant DoP circular. Individual advisor identity numbers can be verified with the assigned advisor on request.

We do not hold an IRDAI corporate-agent license because PLI/RPLI is outside IRDAI’s remit. Our advisors are also not insurance brokers under the IRDAI (Insurance Brokers) Regulations, 2018.

Nature of information on this site

Premium, bonus, sum-assured and maturity figures shown here are estimates fitted to public DoP material. The exact numbers for your policy will be governed by the policy bond issued by DoP and by the DoP circular in force on the date of proposal.

Payments

All premium, revival and loan payments are made directly on indiapost.gov.in or at an India Post branch. We do not collect premium payments, do not maintain any UPI / bank account for premium collection, and will never ask you to transfer premium to us.

Trademarks

“India Post”, “PLI”, “RPLI”, “Postal Life Insurance” and the plan names Suraksha, Santosh, Sumangal, Yugal Suraksha, Suvidha and Bal Jeevan Bima are the property of the Department of Posts, Government of India, and are used on this site solely in a descriptive, informational sense.

Verify anything

Before purchasing a policy, please verify plan features, current bonus rate and premium tables with your advisor and on the official India Post PLI portal at indiapost.gov.in → PLI/RPLI.

For any grievance about this website or an advisor in our network, please see the Grievance Redressal page.