Post Office CWA Conversion Form Download

Post Office CWA Conversion

Based on the official India Post application document, here are the key guidelines for converting a Convertible Whole Life Assurance (CWA / Suvidha) policy into an Endowment Assurance (EA / Santosh) policy (p. 1): [1]

⏳ Critical Timeframe

Conversion Window: You can only exercise this option after completing 5 years but within the 6th year of the policy’s commencement (p. 1).
Consequence of Non-Conversion: If you do not submit this conversion form within the 6-year deadline, your plan automatically defaults to a standard Whole Life Assurance (WLA / Suraksha) policy for life. [1, 2]

💼 Financial and Maturity Changes

Premium Adjustment: By converting to an EA policy, you agree to pay premiums at an enhanced (higher) rate (p. 1).
Bonus Advantage: On conversion, the accumulated bonus rate of an Endowment Assurance policy becomes payable from the very commencement date of the policy.
Maturity Age Options:
- PLI Policy: You can choose a maturity age of 50, 55, or 58 years (p. 1).
- RPLI Policy: You can choose a maturity age of 50, 55, 58, or 60 years (p. 1). [1, 3]

📋 Required Supporting Documents

When submitting the form, you must attach the following items (p. 1):

Original Policy Document (duly updated) (p. 1)
Premium Receipt Book (p. 1)
Certificate of Pay Disbursing Officer (only required if premium recovery is directly deducted from your salary for the last six months) (p. 1).