Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.
Independent directory of public sector life insurance schemes backed by the Government of India and the Life Insurance Corporation of India (LIC). Focuses on universal affordability, automatic bank auto-debit, and direct nominee death claims.
Public sector life insurance in India is designed to prevent impoverishment of vulnerable families following the untimely death of an earning member. The flagship vehicle is the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), offering ₹2,00,000 renewable one-year term life cover for an annual premium of just ₹436.
PMJJBY covers death due to any cause (including natural causes, illness, and accidents) and is directly linked to the beneficiary's savings bank or post office account via automated mandate.
Complementing PMJJBY are targeted social security programs administered through the Life Insurance Corporation of India (LIC), such as the Aam Aadmi Bima Yojana (AABY) and Janashree Bima Yojana, which extend subsidized life coverage and education scholarships for children of landless rural laborers and informal workers.
Click on any scheme for verified eligibility criteria, exclusions, and official government portal enrollment.
Landless tenant cultivators identified by Gram Panchayat. Includes free education scholarship for up to 2 high school children.
Artisans registered under Ministry of MSME / Vishwakarma scheme. Includes free education scholarship for up to 2 high school children.
Active rural handloom weavers registered under Ministry of Textiles. Includes free education scholarship for up to 2 high school children.
Spinners and weavers certified by Khadi and Village Industries Commission (KVIC). Includes free education scholarship for up to 2 high school children.
Commercial transport drivers registered with urban transport welfare unions. Includes free education scholarship for up to 2 high school children.
Beedi workers holding identification card under Labour Welfare Fund. Includes free education scholarship for up to 2 high school children.
Traditional fishermen holding fisheries department registration. Includes free education scholarship for up to 2 high school children.
Head of rural landless family or one earning member aged 18-59. Includes free education scholarship for up to 2 high school children.
Guaranteed monthly pension of ₹1,000 - ₹5,000 for subscriber with 100% pension continued to spouse, and complete corpus returned to nominee.
Life insurance and disability cover for grassroots ICDS female workers.
Life cover for tribal honey and kendu leaf gatherers under TRIFED.
Subsidized life and disability protection for verified urban BPL households.
₹30,000 natural / ₹75,000 accidental cover plus Shiksha Sahayog scholarship for rural women SHG members.
Non-par micro-insurance plan providing 110% return of premium on maturity and life cover for low-income women.
Term micro-insurance with return of premium on maturity and double accidental death benefit for informal workers.
Official PMJJBY registration and claim disbursement guide for AU Small Finance Bank account holders.
Official PMJJBY registration and claim disbursement guide for Axis Bank (PSU Tie-Up) account holders.
Official PMJJBY registration and claim disbursement guide for Bandhan Bank (LIC Partner) account holders.
Official PMJJBY registration and claim disbursement guide for Bank of Baroda (BOB) account holders.
Official PMJJBY registration and claim disbursement guide for Bank of India account holders.
Official PMJJBY registration and claim disbursement guide for Bank of Maharashtra account holders.
Official PMJJBY registration and claim disbursement guide for Canara Bank account holders.
Official PMJJBY registration and claim disbursement guide for Central Bank of India account holders.
Official PMJJBY registration and claim disbursement guide for Equitas Small Finance Bank account holders.
Official PMJJBY registration and claim disbursement guide for Federal Bank (PSU Tie-Up) account holders.
Official PMJJBY registration and claim disbursement guide for HDFC Bank (PSU Tie-Up) account holders.
Official PMJJBY registration and claim disbursement guide for ICICI Bank (PSU Tie-Up) account holders.
Official PMJJBY registration and claim disbursement guide for IDBI Bank (PSU Partner) account holders.
Official PMJJBY registration and claim disbursement guide for India Post Payments Bank (IPPB) account holders.
Official PMJJBY registration and claim disbursement guide for Indian Bank account holders.
Official PMJJBY registration and claim disbursement guide for Indian Overseas Bank (IOB) account holders.
Official PMJJBY registration and claim disbursement guide for IndusInd Bank (LIC Partner) account holders.
Official PMJJBY registration and claim disbursement guide for Jana Small Finance Bank account holders.
Official PMJJBY registration and claim disbursement guide for Karnataka Bank (LIC Partner) account holders.
Official PMJJBY registration and claim disbursement guide for Karur Vysya Bank (LIC Partner) account holders.
Official PMJJBY registration and claim disbursement guide for Kotak Mahindra Bank (PSU Tie-Up) account holders.
Official PMJJBY registration and claim disbursement guide for Punjab & Sind Bank account holders.
Official PMJJBY registration and claim disbursement guide for Punjab National Bank (PNB) account holders.
Official PMJJBY registration and claim disbursement guide for State Bank of India (SBI) account holders.
Official PMJJBY registration and claim disbursement guide for UCO Bank account holders.
Official PMJJBY registration and claim disbursement guide for Ujjivan Small Finance Bank account holders.
Official PMJJBY registration and claim disbursement guide for Union Bank of India account holders.
High bonus government-backed life assurance with sum assured from ₹20,000 to ₹50 Lakh for government and corporate professionals.
Endowment assurance for couples where life risk is covered for both spouses with death benefit payable on first death and bonus accrual.
Central Government subsidized term life insurance offering ₹2 Lakh death benefit for ₹436 annual premium.
Old age income and life security for unorganized workers with 50% family pension guaranteed to spouse upon subscriber death.
Government-backed retirement income security offering 7.4% guaranteed annual interest payable monthly for 10 years.
Children life insurance cover protecting children of RPLI policyholders with premium waiver upon parent death.
10-year short-term money back life insurance with survival benefits payable at 4th, 7th, and 10th year.
Subsidized rural life insurance with high bonus rates (₹48 per ₹1,000 sum assured) for rural residents.
Whole life assurance payable at age 80 or to nominee upon earlier death, maximum bonus ₹60 per ₹1,000 sum assured.
Convertible whole life assurance scheme allowing conversion to endowment assurance after 5 years.
Subsidized rural joint life insurance providing financial security for married couples with single premium payment structure.
Government guaranteed 8% - 9% return pension plan for senior citizens with immediate annuity options.