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Postal Life Insurance Premium Table

Postal Life Insurance (PLI) is one of India’s oldest insurance companies. It is known to offer insurance cover to people from various walks of life and to meet the diverse needs of its clients.

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There are different types of policies available under PLI. You can choose any of them according to your financial situation and insurance requirements.

We will have a look at the premium table for the policies available under PLI which will also give you an idea of the premiums you will have to pay depending on the policy chosen by you.

Premium Table for Anticipated Endowment Assurance

Monthly premium you will have to pay for an assurance of Rs.5,000

Age at Entry	15 Years Term Policy	Age at Entry	20 Years Term Policy
19 to 36 years	Rs.33	19 to 33 years	Rs.25
37 to 42 years	Rs.34	34 to 39 years	Rs.26
43 to 45 years	Rs.35	40 years	Rs.27

Payment of benefits under Anticipated Endowment Assurance (AEA) if the policyholder survives

AEA 15 years	AEA 20 years
20% at the end of 6 years	20% at the end of 8 years
20% at the end of 9 years	20% at the end of 12 years
20% at the end of 12 years	20% at the end of 16 years
40% at the end of 15 years with accrued bonus	40% at the end of 20 years with accrued bonus

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Premium Table for Convertible Whole Life Assurance

Monthly premium table for an assurance of Rs.5,000

The minimum age of entry is 19 years, and the maximum age of entry is 50 years.

Entry age	Monthly Premium Payable for the first 5 years and thereafter if option is not exercised but ceasing at the age of 60 years	Monthly Premium Payable after the first 5 years if option is exercised to convert the policy in to Endowment Assurance maturing at the age of 50, 55 or 58 Years
50 years	55 years	58 years
19 years	Rs.7	Rs.14	Rs.11	Rs.10
20 years	Rs.7	Rs.15	Rs.11	Rs.11
21 years	Rs.8	Rs.15	Rs.12	Rs.11
22 years	Rs.8	Rs.16	Rs.12	Rs.11
23 years	Rs.8	Rs.16	Rs.13	Rs.11
24 years	Rs.8	Rs.18	Rs.13	Rs.12
25 years	Rs.9	Rs.19	Rs.15	Rs.12
26 years	Rs.9	Rs.19	Rs.15	Rs.13
27 years	Rs.9	Rs.21	Rs.16	Rs.13
28 years	Rs.9	Rs.22	Rs.16	Rs.15
29 years	Rs.10	Rs.23	Rs.17	Rs.15
30 years	Rs.10	Rs.25	Rs.19	Rs.16
31 years	Rs.11	Rs.26	Rs.20	Rs.17
32 years	Rs.11	Rs.30	Rs.20	Rs.17
33 years	Rs.12	Rs.31	Rs.21	Rs.18
34 years	Rs.12	Rs.35	Rs.22	Rs.19
35 years	Rs.13	Rs.39	Rs.24	Rs.20

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Premium Table for Endowment Assurances

Table for monthly premiums for an assurance of Rs.5,000

Entry age	Maturity Age							Entry age
35 years	40 years	45 years	50 years	55 years	58 years	60 years
19 years	Rs.26	Rs.19	Rs.15	Rs.12	Rs.10	Rs.9	Rs.9	19 years
20 years	Rs.27	Rs.20	Rs.16	Rs.13	Rs.10	Rs.10	Rs.9	20 years
21 years	Rs.29	Rs.21	Rs.16	Rs.13	Rs.11	Rs.10	Rs.9	21 years
22 years	Rs.32	Rs.22	Rs.17	Rs.14	Rs.11	Rs.10	Rs.10	22 years
23 years	Rs.35	Rs.24	Rs.18	Rs.14	Rs.12	Rs.10	Rs.10	23 years
24 years	Rs.38	Rs.26	Rs.19	Rs.15	Rs.12	Rs.11	Rs.10	24 years
25 years	Rs.42	Rs.27	Rs.20	Rs.16	Rs.13	Rs.11	Rs.11	25 years
26 years	Rs.47	Rs.29	Rs.21	Rs.16	Rs.13	Rs.12	Rs.11	26 years
27 years	Rs.53	Rs.32	Rs.22	Rs.17	Rs.14	Rs.12	Rs.12	27 years
28 years	Rs.61	Rs.35	Rs.24	Rs.18	Rs.14	Rs.13	Rs.12	28 years
29 years	Rs.72	Rs.38	Rs.26	Rs.19	Rs.15	Rs.13	Rs.13	29 years
30 years	Rs.86	Rs.42	Rs.28	Rs.20	Rs.16	Rs.14	Rs.13	30 years

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Table for quarterly premiums for an assurance of Rs.5,000

Entry age	Maturity Age							Entry age
Entry age	35 years	40 years	45 years	50 years	55 years	58 years	60 years	Entry age
19 years	Rs.77.90	Rs.56.90	Rs.44.90	Rs.36	Rs.30	Rs.27	Rs.27	19 years
20 years	Rs.80.80	Rs.59.90	Rs.47.90	Rs.39	Rs.30	Rs.30	Rs.27	20 years
21 years	Rs.86.80	Rs.62.90	Rs.47.90	Rs.39	Rs.33	Rs.30	Rs.27	21 years
22 years	Rs.95.80	Rs.65.90	Rs.50.90	Rs.41.90	Rs.33	Rs.30	Rs.30	22 years
23 years	Rs.104.8	Rs.71.90	Rs.53.90	Rs.41.90	Rs.36	Rs.30	Rs.30	23 years
24 years	Rs.113.8	Rs.77.90	Rs.56.90	Rs.44.90	Rs.36	Rs.33	Rs.30	24 years
25 years	Rs.125.7	Rs.80.80	Rs.59.90	Rs.47.90	Rs.39	Rs.33	Rs.33	25 years
26 years	Rs.140.7	Rs.86.80	Rs.62.90	Rs.47.90	Rs.39	Rs.36	Rs.33	26 years
27 years	Rs.158.7	Rs.95.80	Rs.65.90	Rs.50.90	Rs.41.90	Rs.36	Rs.36	27 years
28 years	Rs.182.6	Rs.104.8	Rs.71.90	Rs.53.90	Rs.41.90	Rs.39	Rs.36	28 years
29 years	Rs.215.5	Rs.113.8	Rs.77.90	Rs.56.90	Rs.44.90	Rs.39	Rs.39	29 years
30 years	Rs.257.40	Rs.125.7	Rs.83.80	Rs.59.90	Rs.47.90	Rs.41.90	Rs.39	30 years
31 years	-	Rs.140.7	Rs.89.80	Rs.62.90	Rs.50.90	Rs.44.90	Rs.41.90	31 years
32 years	-	Rs.158.70	Rs.95.80	Rs. 68.90	Rs.50.90	Rs.44.90	Rs.41.90	32 years
33 years	-	Rs.182.60	Rs.104.80	Rs.71.90	Rs.53.90	Rs.47.90	Rs.44.90	33 years
34 years	-	Rs.215.50	Rs.113.80	Rs.77.90	Rs.56.90	Rs.50.90	Rs.44.90	34 years
35 years	-	Rs.257.40	Rs.125.70	Rs.83.80	Rs.59.90	Rs.53.90	Rs.47.90	35 years

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Table for half-yearly premiums for an assurance of Rs.5,000

Entry age	Maturity Age							Entry age
Entry age	35 years	40 years	45 years	50 years	55 years	58 years	60 years	Entry age
19 years	Rs.153.70	Rs.112.30	Rs.88.70	Rs.71	Rs.59.20	Rs.53.20	Rs.53.20	19 years
20 years	Rs.159.60	Rs.118.30	Rs.94.60	Rs.76.90	Rs.59.20	Rs.59.20	Rs.53.20	20 years
21 years	Rs.171.40	Rs.124.20	Rs.94.60	Rs.76.90	Rs.65.10	Rs.59.20	Rs.53.20	21 years
22 years	Rs.189.20	Rs.130.10	Rs.100.50	Rs.82.80	Rs.65.10	Rs.59.20	Rs.59.20	22 years
23 years	Rs.206.90	Rs.141.90	Rs.106.40	Rs.82.80	Rs.71	Rs.59.20	Rs.59.20	23 years
24 years	Rs.224.60	Rs.153.70	Rs.112.30	Rs.88.70	Rs.71	Rs.65.10	Rs.59.20	24 years
25 years	Rs.248.30	Rs.159.60	Rs.118.30	Rs.94.60	Rs.76.90	Rs.65.10	Rs.65.10	25 years
26 years	Rs.277.80	Rs.171.40	Rs.124.20	Rs.94.60	Rs.76.90	Rs.71	Rs.65.10	26 years
27 years	Rs.313.30	Rs.189.20	Rs.130.10	Rs.94.60	Rs.82.80	Rs.71	Rs.71	27 years
28 years	Rs.360.60	Rs.206.90	Rs.141.90	Rs.100.50	Rs.82.80	Rs.76.90	Rs.71	28 years
29 years	Rs.425.60	Rs.224.60	Rs.153.70	Rs.106.40	Rs.88.70	Rs.76.90	Rs.76.90	29 years
30 years	Rs.508.30	Rs.248.30	Rs.165.50	Rs.112.30	Rs.94.60	Rs.82.80	Rs.76.90	30 years

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Table for yearly premiums for an assurance of Rs.5,000

Entry age	Maturity Age							Entry age
Entry age	35 years	40 years	45 years	50 years	55 years	58 years	60 years	Entry age
19 years	Rs.302.70	Rs.221.20	Rs.174.70	Rs.139.70	Rs.116.50	Rs.104.80	Rs.104.80	19 years
20 years	Rs.314.30	Rs.232.90	Rs.186.30	Rs.151.40	Rs.116.50	Rs.116.50	Rs.104.80	20 years
21 years	Rs.337.60	Rs.244.50	Rs.186.30	Rs.151.40	Rs.128.10	Rs.116.50	Rs.104.80	21 years
22 years	Rs.372.50	Rs.256.10	Rs.197.90	Rs.163	Rs.128.10	Rs.116.50	Rs.116.50	22 years
23 years	Rs.407.50	Rs.279.40	Rs.209.60	Rs.163	Rs.139.70	Rs.116.50	Rs.116.50	23 years
24 years	Rs.442.40	Rs.302.70	Rs.221.20	Rs.174.70	Rs.139.70	Rs.128.10	Rs.116.50	24 years
25 years	Rs.488.90	Rs.314.30	Rs.232.90	Rs.186.30	Rs.151.40	Rs.128.10	Rs.128.10	25 years
26 years	Rs.547.10	Rs.337.60	Rs.244.50	Rs.186.30	Rs.151.40	Rs.139.70	Rs.128.10	26 years
27 years	Rs.617	Rs.372.50	Rs.256.10	Rs.197.90	Rs.163	Rs.139.70	Rs.139.70	27 years
28 years	Rs.710	Rs.407.50	Rs.279.40	Rs.209.60	Rs.163	Rs.151.40	Rs.139.70	28 years
29 years	Rs.838	Rs.442.40	Rs.302.70	Rs.221.20	Rs.174.70	Rs.151.40	Rs.151.40	29 years
30 years	Rs.1,001.10	Rs.488.90	Rs.326	Rs.232.90	Rs.186.30	Rs.163	Rs.151.40	30 years

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Quarterly premium table

Entry age	Premiums (in Rs.) ceasing at the age of			Entry age
55 years	58 years	60 years
19 years	4.35	4.2	4.05	19 years
20 years	4.5	4.35	4.2	20 years
21 years	4.65	4.5	4.35	21 years
22 years	4.8	4.65	4.5	22 years
23 years	4.95	4.8	4.65	23 years
24 years	5.1	4.95	4.8	24 years
25 years	5.25	5.1	4.95	25 years
26 years	5.4	5.25	5.1	26 years
27 years	5.7	5.4	5.25	27 years
28 years	6	5.55	5.4	28 years
29 years	6.3	5.85	5.7	29 years
30 years	6.6	6.15	6	30 years

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Yearly premium table

Entry age	Premiums (in Rs.) ceasing at the age of			Entry age
55 years	58 years	60 years
19 years	15.95	15.35	14.75	19 years
20 years	16.55	15.95	15.35	20 years
21 years	17.15	16.55	15.95	21 years
22 years	17.75	17.15	16.55	22 years
23 years	18.35	17.75	17.15	23 years
24 years	18.95	18.35	17.75	24 years
25 years	19.55	18.95	18.35	25 years
26 years	20.15	19.55	18.95	26 years
27 years	21.35	20.15	19.55	27 years
28 years	22.55	20.75	20.15	28 years
29 years	23.75	21.95	21.35	29 years
30 years	24.95	23.15	22.55	30 years

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About the Author

Annie Jangam

Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. She combines her analytical and communication skills to simplify complex financial concepts, delivering precise and creatively engaging content in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. Outside of the financial realm, she dabbles in poetry. Her extracurricular passions include organizing events like One Billion Rising and Human Rights Day. She is committed to the equality of all people, a principle rooted in her Christian faith. Annie strives to embody the values of faith, hope, and love in both her work and her life.

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