Postal Life Insurance (PLI) — Yugal Suraksha (Joint Life)
Endowment assurance for couples where life risk is covered for both spouses with death benefit payable on first death and bonus accrual.
Sum Insured / Cover
Joint Life Cover for Husband & Wife
Annual Premium
Nominal Monthly / Annual Contribution
Claim Settlement
98.5% (Sovereign Guaranteed)
Network / Scope
All-India Empaneled
✦ Key Benefits & Policy Coverage
Endowment assurance for couples where life risk is covered for both spouses with death benefit payable on first death and bonus accrual.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
One spouse must be eligible for regular PLI (government or recognized educational service).
✦ Eligibility Requirements
Couples where at least one spouse is employed in central/state government or recognized PSU.
✦ Application, Enrollment & Claims Process
1. Visit bank branch, post office, or CSC.
2. Submit auto-debit mandate and nominee details.
3. Receive policy confirmation certificate.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, Savings Bank Account, Nominee KYC.
✦ Life Situations Where This Scheme Helps
💍👩
Marriage Assistance & Support
State financial grants for daughters of low-income families, mass marriage assistance, and inter-caste marriage incentives.
Widow & Destitute Women Support
Direct monthly pension support, skill training, daughter marriage financial aid, and rehabilitation for widowed or deserted women.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India