Terms of Use

1. Acceptance

By accessing or using this website you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.

2. Who we are

This website is operated by a network of certified Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) advisors. We are an information and advisory service. Policies are issued by the Department of Posts, Government of India. We are not the insurer; we do not underwrite risk, receive premium, or settle claims. See our IRDAI & DoP disclaimer for the full regulatory position.

3. What we offer

• Free information about all seven PLI and RPLI plans.
• A premium calculator and eligibility checker for orientation only.
• Personalised guidance from a certified advisor by phone, WhatsApp or doorstep visit.
• Assistance with proposal paperwork, renewal reminders, revival, loan, claim and duplicate-bond processes.

4. What we do NOT do

• We never collect premium payments. All payments happen directly on the official India Post portal or at an India Post branch.
• We never ask for your India Post login password, OTP, debit-card CVV, net-banking credentials or Aadhaar OTP.
• We do not guarantee acceptance of your proposal. Underwriting decisions rest solely with the Department of Posts.
• We do not guarantee any specific bonus rate, maturity value or investment return. Bonus is declared by the Department of Posts each year.

5. Accuracy of information

Premium figures, bonus rates, sum-assured limits and eligibility rules shown on this site are estimates fitted to publicly available Department of Posts material and may change without notice. Actual figures depend on your medical examination, occupation class, current DoP circulars and any circle-specific factors. Always confirm the final numbers with your advisor and in the official policy bond.

6. User obligations

• Provide accurate information in all forms. Insurance is a contract of utmost good faith — concealment or misrepresentation may void the policy.
• Do not use the site for unlawful purposes, scraping, spamming or reverse-engineering.
• Do not upload defamatory, obscene or infringing content in service requests.

7. Third-party links

We link to indiapost.gov.in, DoP circulars, WhatsApp and Google Maps. We are not responsible for the content, policies or availability of third-party sites.

8. Intellectual property

Content, logos, product descriptions, articles and city-guide pages on this site are our copyrighted work unless clearly attributed. “India Post”, “PLI”, “RPLI”, plan names such as Suraksha, Santosh, Sumangal, Yugal Suraksha, Suvidha and Bal Jeevan Bima belong to the Department of Posts, Government of India, and are used here in a purely descriptive, informational sense.

9. Limitation of liability

The site is provided on an “as is” basis without warranty of any kind. To the maximum extent permitted by law, we are not liable for any indirect, incidental or consequential loss arising from use of the site or reliance on any information published here. Our aggregate liability, if any, shall not exceed ₹1,000.

10. Termination

We may suspend or terminate access to the site at any time, without notice, at our sole discretion.

11. Governing law & jurisdiction

These Terms are governed by the laws of India. Courts at Kochi, Kerala shall have exclusive jurisdiction over any dispute arising from these Terms, subject to grievance redressal under Indian consumer law and the applicable data-protection framework.

12. Contact

Questions about these Terms may be sent through our Contact page or to the Grievance Officer listed on the Grievance Redressal page.