Post Office PLI Proposal
Post Office PLI Proposal Form download
The Proposal Form for Postal Life Insurance (PLI) is a comprehensive document used to apply for life insurance schemes run by the Department of Posts (1004pjm2we… p. 1).
📋 Core Policy & Product Options
The form covers five primary policy types (1004pjm2we… p. 1):
- WLA: Whole Life Assurance (Suraksha) (1004pjm2we… pp. 1, 7)
- CWA: Convertible Whole Life Assurance (Suvidha) (1004pjm2we… pp. 1, 7)
- EA: Endowment Assurance (Santosh) (1004pjm2we… pp. 1, 7)
- AEA: Anticipated Endowment Assurance (Sumangal) (1004pjm2we… p. 1)
- YS: Yugal Suraksha (Joint Life Assurance for spouse) (1004pjm2we… pp. 1, 7)
🔑 Key Fields & Information Required
1. Personal & Family Details
- Proposer Details: Full name, father’s/husband’s name, gender, marital status, and nationality (1004pjm2we… p. 1).
- Age Proof: Standard valid documents must be ticked (e.g., Birth Certificate, Matriculation Certificate, PAN, Passport, Driving License, or Service Register extract) (1004pjm2we… p. 1).
- Spouse Details: Specifically required for Yugal Suraksha (YS) policies, including the spouse’s age proof and Aadhaar number (1004pjm2we… p. 1).
- Photos: Recent passport-size photographs of the proponent and spouse (if YS) must be affixed to the front page (1004pjm2we… p. 1).
2. Address & Employment Profile
- Addresses: Separate grids for current communication address, permanent residential address, and office address (1004pjm2we… p. 2).
- Employment Categories: Dedicated check-boxes to specify if the proposer works for Central/State Govt, PSU, Railways, Banks, Defence, Paramilitary, or educational institutions (1004pjm2we… p. 2).
- Financials: Requires disclosure of designation, monthly income, PAN number, and DDO (Drawing and Disbursing Officer) code (1004pjm2we… p. 2).
3. Legal Beneficiaries & Existing Policies
- Nomination: Provision to state details, relationships, and share percentages for up to three nominees (1004pjm2we… pp. 2-3). An appointee must be named if the nominee is a minor (1004pjm2we… p. 3).
- MWPA 1874: Special sections to provide beneficiary and trustee details if the policy is taken under the Married Women’s Property Act (1004pjm2we… p. 2).
- Existing Insurance: The proposer must declare details of all existing PLI/RPLI policies and policies from private insurers (1004pjm2we… p. 4).
4. Coverage, Premium, & Health Disclosures
- Policy Details: Fields to specify the total Sum Assured, policy term, and premium ceasing age (1004pjm2we… p. 4).
- Payments: Choices for premium payment frequencies (Monthly, Quarterly, Half-Yearly, Yearly) and methods (Cash, Cheque, Salary deduction, etc.) (1004pjm2we… p. 4).
- Comprehensive Health Questionnaire: Proposers must disclose past or present history of critical illnesses (e.g., Tuberculosis, Cancer, Heart/Kidney disorders) and any family medical history (1004pjm2we… pp. 4-5).
🛑 Rules for High-Value Policies (Above ₹20 Lakh)
If the aggregate Sum Assured exceeds ₹20 Lakh, the form enforces additional strict regulatory filters (1004pjm2we… p. 1):
- Additional Health & Habits: Proposers must fill out an additional medical checklist (1004pjm2we… pp. 5-6) and declare personal consumption habits regarding tobacco, alcohol, or drugs (1004pjm2we… p. 6).
- Suitability Analysis: Financial evaluation sheets must be filled out detailing current/projected income, annual expenditure, and dependent tracking to verify affordability (1004pjm2we… p. 6).
- Mandatory Medical Tests: Based on age, specific medical testing protocols must be fulfilled at the proposer’s expense (ranging from ECG and Hb% to Supplementary Bio-Chemical Tests (SBT-13), CTMT, or Hemograms) (1004pjm2we… p. 8).
📜 Declarations & Certifications
- Surrender Clause: The proponent acknowledges that a policy cannot be surrendered before completing 36 months, or the deposited premium will be forfeited (1004pjm2we… p. 7). No bonus is payable on surrender before 5 years (1004pjm2we… p. 7).
- Employer Certificate: The immediate superior of the employee must sign a certificate verifying that the provided employment and service details are accurate (1004pjm2we… p. 7).
- Medical Fitness Certificate: A registered Medical Examiner must formally fill out, sign, and stamp the final page declaring the proponent medically fit or unfit (1004pjm2we… p. 8).
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