FEATURES OF THIS PLAN

1. LOW PREMIUM-HIGH BONUS

2. INCOME TAX REBATE UNDER SECTION 80-C

3. INSURANCE AGE BETWEEN 19 TO 55 YEARS.

4. PREMIUM PAYMENT FACILITY BY CASH OR CHEQUE AT ANY POST OFFICE

5. FACILITY OF LOAN AFTER COMPLETION OF THREE YEARS

6. SURRENDER VALUE ADMISSIBLE AFTER 3 YEARS

7. FACILITY OF CONVERSION AND ASSIGNMENT

8. RISK COVERED FROM THE DATE OF COMMENCEMENT (WITH PROFIT PLAN)

9. FACILITY OF NOMINATION

10.PROVISION FOR REVIVAL OF VOID OR INACTIVE POLICIES

11. MAXIMUM LIMIT OF AGGREGATE SUM ASSURED IS TWENTY LAC (20 LAC)

12. AT PRESENT BONUS IS RS-65/- PER 1000/- BUT IT MAY BE CHANGE IN FUTURE ACCORDING POSTAL DEPT.POLICEY.

lago Raho Prem, Success will definately touch your feet. Also give some brief about the individual plan from PLI

ReplyDeleteCan you confirm if the Bonus declared for 2010 is Rs. 70 per 1000.

ReplyDeleteWhere can I find the details on the postal website?

Dear Sir, please see the table of PLI premium calculate.

ReplyDeletethere is no online informa~n availabel for our policies (PLI)

ReplyDeletemy pol. no:

MH-297707-CS

MH-299901-CS

MH-297707-CS

Pls provide resources

kiranab78@yahoo.com

Through mail justification Dated 07-12-2010

ReplyDeletePrem Bhai, nice talking to you. I must say, you are an expert of PLI. Thank you for taking my call and solving my query.

ReplyDeleteThanks for compliment friend.

ReplyDeleteDoes this policy gives some fixed interest rate like Fixed Deposit (no where in net i found this infomation). And what about this bonus stuff.

ReplyDeleteAlso can she cancle this policy (she has given 1 month premium till now)

Can you please help me understand this.

Regards

Debu

Dear Debu Ji please give me your phone no while i sloving your all quary.

ReplyDeleteThanks

please tell how to calculate total amount at the maturity date.i have 8 lac sum assured and premium of 3000 for 21 years

ReplyDeleteDear sir The bonus is 7000 per Year 1 lakh sum assured,your Policy is 8 lakh,Sir Your Yearly bonus is 56000 per year, so that 56000x21=1176000.this is your bonus & 8 lakh is sum assured your Maturity value is 1976000.

ReplyDeletewhat is surrender value for policy taken on 01/10/2005 for rs.1.5lac at the age of 27, and what was the quantam of loan as on today for this policy , prima paid for 69 months

ReplyDeleteDear Sir,

ReplyDeleteAs per your deposit Ammount, 80% loan section.

Surrender value, pl contact your nerest post office deptt,Your all quarey are shoulb.

Prem

Can anyone tell me what would be my maturity amt ??? I already paid 2 Premium and my last premium year is 2025 I just took Rs.1lac policy.......Please revert on my email ID fahim2803@gmail.com

ReplyDeleteDear Sir,

ReplyDeleteYou paid 2 Premium Yearly,so that your policy started in 2009, total

year of 16 years, your matuity Amount is

7000x16=112000+100000=212000/- two lakh twelve thousands only.

prem

Dear sir,

DeleteNeed your help for choosing a gud pli.i was heared for PLI EA.

Could u pls guide what is the best features for this policy.

If, suppose PLI EA I m taking Rs.1000000 for 20 years.what is the monthly premium amount?also pls tell me insurence coverd for how much amount.what amt I m getting after maturity 20 years.my

D.o.b is 24/9/1986.pls take pli ea date as 1/8/2013.pls send me mail parth_gandhi1985@yahoo.com

loan eligibilty 80% means 80% of what sumassured or premium paid or premium paid + bonus

ReplyDeletemy policy is EA-50 started in march 2005

ReplyDeletepremium rs 1875/- monthly

sum assured rs 500000/-

premium paid till date rs 151875/-

how much loan amount can i get

how much surrender amount can i get

Dear Sir,

ReplyDeleteloan eligibility 80% means Deposit premium in after 3 Years or more.

Dear Naveen kumar Ji as per postal Rule, your loan is 70 to 80% Sanction in your deposits amount.

ReplyDeletesurrender amount,pl.contact to any nearest post office or PLI Head office.

Thanks

thanks for the information

ReplyDeletewhat is the advantage of santhosh plan when compared to other postal life insurance

ReplyDeleteDEAR FRIEND ADVANTAGE FO OTHER INSURANCE PLAN AS THE BONUS IS DECALERD TILL DATE AND 100% SECURITY OF YOUR MONEY.

ReplyDeletesir...is the maturity amount tax free under santosh policy?

ReplyDeletePeople are telling me that LIC is comparatively better as maturity proceeds are tax free whereas in PLI maturity amount excluding principle paid is liable for tax

Regards

Varun

Dear Sir,Yes the maturity amount tax free PLI, santosh policy.

ReplyDeleteI have two pli policies both will be metured Feb 2012 aboth sum assured value is Rs. 100000 each in Santhosh enodonement EA-60. How will I get back.

ReplyDeleteMy email id is elenraju@gmail.com

Dear Sir,

ReplyDeleteAs per matured feb-2012, but polices starting period is ??????, as rule 6500/- per year in your bonus per 100000 Assured value, pl calculate.

pl make the pli primium calculater for mobile sofware pl make and send my mail id vijay27Patel@gmail.com

ReplyDeletehi sir

ReplyDeletei have done santosh policy.can you tell me how much maturity returns il get for 5 lakh policy?

pls give me a clear break-up calculation of maturity.

ReplyDeletemonthly premium= 5500 for 20 Lacs.time= 29 years.

Maturity= ??????

Dear Sir, SumAssured is 20 lakh, terms 29 years, so that pl calculat Maturity Ammount is

Delete= 130000x29=3770000+20lakh=57 Lakh 70 thousands Only.

IF ANY DOUBT PL A CALL 9968243597.

PREM

Dear sir,

ReplyDeletePlease sent me PLI E.A> Bonus rate

my email ID is- rakeshbhardwaj099@gmail.com

bonus rate is 1000 sum assured 65/- yearly.& pl.see the web site of post office.or call me 9968243597.

DeleteSir,i have opened a PLI in march 2011 for sum assured of 3 lakhs for 20 years and my premium is Rs.1185/. My date of birth is 02-01-1977(dd/mm/yr). I want to know about my maturity value.Please let me know my maturity total value in details by sending an e-mail to my mail id .My e-mail id is amitabhborah@yahoo.com

ReplyDeleteyour maturity amount is 3lakh+390000/-

Deletetotal 690,000/- is your maturity amount .other clfection pl call 9968243597

Sir My K.Veerabrahmam I am PLI Direct Agent Sir Code

ReplyDeleteAPDA 53586.2011-2012 year 2.28 Lack Business Best PLI Da Award Given Kurnool Regian COMMISSION , FOR PRIMIUM PLEASE MAIL AT katamveerabrahmam@gmail.com Cell No:8106153828

sir i want premium calculation yearly

ReplyDeletefor santosh plan

for sum assured 20,00,000 age is 43 for period of 20 yrs

TV Kumarswamy

Borivali east

mumbai

Requsted sir I am PLI DA agent U R PLI Period onely at 7 Years (1235) ,12Years (715), 15Years (575), 17Years (495) Sir for One Lac Premium Rates U No mention Exact D O B Sir

Deletepl call 9968243597

Deletepl.convinced me ,that PLI is much better than LICI.....Raju Dandalkar.email id..raju-dandalkar@rdiffmail.com....9433187911

ReplyDeletepl call 9968243597

DeleteThis comment has been removed by a blog administrator.

DeleteSir, I want to take PLI 500000/- policy for 15 years. My D.O.B. is 09.02.1971. I am from Hyderabad. Please mail me the premium amount for 15 years and 20 years and Hyderabad PLI Ajent Phone no. if any. Sir i want salary deduction facility. My email is:rani_1289@yahoo.co.in please do the needful

ReplyDeleteChief Postmaster General(PLI)

DeleteKarnataka Post Circle

080-22392662

email :ddmplibg@gmail.com

or contact Dhanajaya Acharya

9448858310

Sir, My EA/35 (Santhosh) policy will be matured in May 2013 and sum assured is Rs 5,00,000/-. Can you please tell me the maximum loan amount admissible, if i am applying for that now. Also, is it beneficiary to surrender the policy? please guide.

ReplyDeleteSir,i have opened a PLI in march 2011 for sum assured of 3 lakhs for 20 years and my premium is Rs.1305/. My date of birth is 06-01-1970(dd/mm/yr). I want to know about my maturity value.Please let me know my maturity total value in details by sending an e-mail to my mail id .My e-mail id is ashish17888@gmail.com

ReplyDeletepl. tell me the bonus rate for santosh policy at present on 14-09-2012 and 15-09-2009

ReplyDeleteWhich one is better between SANTOSH ( ENDOWMENT ASSURANCE )& SURAKSHA (WHOLE LIFE ASSURANCE )and Why (details) !!? My email ID : bishwa82@gmail.com

ReplyDeletehello sir,

ReplyDeletejust wanna know about my maturity amount i have completed 3years in this and I have took Santosh endowment policy frm post i have paying INR5586 per year and my last premium would be paid in 2025...kindly calculate and let me know maturity amount for me please my email add is fahim2803@gmail.com

Sir,

ReplyDeleteMy Birth Date Is 14,Oct,1989

I Have Not Taken Any Policy

So ,Please Tell Me What Should Be Best For Me In This Plan(EA).

And Plz Tell Me How To Calculate Premium Value.

And I Should Go For One Policy or Many Policy's(EA)Like 1 Policy Of Rs 500000 For 5 yrs,2nd of Rs 500000 for 10 yrs ,3rd Of Rs 200000 For 20 yrs,etc

And If Many Than Suggest Me What To DO,As I Don,t Want To Increase My Premium From Rs 5000.And I Also Want To Use Money Regularlly,Means After evry 5 yrs.

I,M In Big Confusion..plz Help Me..my email...www.rsinghbrar@yahoo.com

pl call 9968243597

DeleteDear Sir, Let me know, whether it is possible to deposit the PLI Premium online? if so, what is the process and through which card, i may able to deposit the pli premium online?

ReplyDeleteThanks

Regard:- Rakesh Ranjan Verma

rraj6300@gmail.com

This comment has been removed by a blog administrator.

Deletesir

ReplyDeleteam a pli agent as well as PA. kindly tell me the procedure to calculate pli agent comission at present.and tell me the pli rulings website address.my mail id is lovablerajxxx@gmail.com

pl. tell me the bonus rate for all policies at present on January 2013

ReplyDeleteThis comment has been removed by a blog administrator.

ReplyDeletedear sir premium are declare yearly base low and high,all agent pl told the insurant of this factor.

DeleteGO FOR ONLY TERM PLAN VIA LICI. SECURE UR LIFE BY THIS WITH MINIMUM PREMIUM. SAVE REST AMOUNT AND INVEST IN VARIOUS SECTORS----LOW RISK-MID RISK-HIGH RISK.EARN HUGE AMOUNT. THIS IS MY OWN VIEW.

ReplyDeletesir i want to sum assured amount 100000 4 19 years in endovement plan, date of birth 1-5-82 pls tel me annual premeum, bon es and meturity amount

ReplyDeleteIf I take Suraksha Policy now and convert it later to Santosh. How to calculate bonus?

ReplyDeleteIn case of Suraksha Policy, who will get money in case of person having insurance is alive at the time of maturity?

Waiting for reply...

Thanks in advance for reply...

I am a postal Assistant at indore......

ReplyDeleteI want PLI of rupess 100000 for 20 years...

please tell me , how much premium i will have to pay ???

Sir,

ReplyDeleteI am a Govt employee, can I invest more than 1lac in Santosh Plan of PLI

This comment has been removed by a blog administrator.

DeleteDear all, Cany anyone pls advise on surrendering PLI(Santosh-EA). Policy No.DL-54878-00 and DL-54879-00. What is the surrender value as on date and what is the procedure to surrender?

ReplyDeletepls dont surrender any of your insurance even PLI, it will return minimum amount and u will lose the insurance. so try to continue it after reviving the policy if lapsed. However, surrender value depends on span of the policy and age factor

DeleteMy Policy dated 11.05.1992; EA/55 for Rs.50000/- enters the last premium stage i.e. last premium is April, 2013. I want to know the following:

ReplyDelete1. What will be the maturity value?

2. Is it so that the process of maturity on date of birth is withdrawn and now my policy as above will mature in May, 2013?

3. Presently Sr. Supdts of Post Offices are authorised to settle claims and L.I.9 (B) needs to be filed with dist. HQ.

Please clarify the above.

Regards.

Anyone to enlighten me please.

DeleteRegards

my age is 24 years & turning 25 in april 2013.

ReplyDeleteWhat type of pli policy is good for me

i am not able to understand the premium table of EA policy,& the pli premium calculator.I can invest upto 200lakhs.

plz guide

sorry its 20 lakh & not 200 lakhs

ReplyDeleteDear sir,

ReplyDeletei have started the pli EA in ist may,2012 for 10lakh with monthly premium 3750 for 23years .please tell mee the maturity amount

Hello Sir,

ReplyDeleteI am from Odisha would like to know about the bonous. How the bonus is given. I have PLI (SANTOSH) of amount 5 laks. Please, say about the bouous & when it will be available.

hello sir ji,

ReplyDeleteI am from u.p. would like to know about the my pli police.whose amount Will be given by our policy by matured time.I have PLI(SANTOSH) OF AMOUNT 5 LAKS

hi

ReplyDeleteI have taken PLI Santosh(EA)term EA35.date of policy acceptence is 08 NOV04 and my DOB is 18 Oct 1983.please tell me how much will get if I surrender it now

and dom is 07 Nov2017

hi, Plz. give me the calculation of bonus & rate of bonus from feb,2008 to till date? Is bonus calculated on the rate of commencement or it is to be calculated every year. Plz. inform me the % of amount can I draw as Loan. Prosenjit Dey, Kolkata.

ReplyDeletehey expertss plzz tell me how can I surrender My PLI policy. Its been 4.3 yrs since i taken it.

ReplyDeleteCan anyone help me what steps I've to follow to surrender policy?

hi! sir,i hav done santosh policy of 10,00000 rs for 9 nyrs..now i hav given amount for 3 yrs /36 months,now i hav to surrender ,what amount i can get if i surrender.

ReplyDeletehello sir,

ReplyDeletei want to take polici of 5 lacks for 20 yrs then what will be the monthly premium and matured value.

PL. CALL 9968243597

Deletesir my sum assured is Rs. 1000000 for 32 years

ReplyDeleteplease tell me about:

(1) matured value?

(2)is the matured value is tax free?

(3)can i increase the sum assured from 1000000 to 2000000?

please reply as soon as possible,thanks

pl call 9968243597

Deleteprem

Sir,i have opened a PLI in 2009 for sum assured of 3 lakhs for 10 years and my premium is Rs.2265/. My date of birth is 17-08-1986(dd/mm/yr). I want to know about my maturity value.Please let me know my maturity total value in details by sending an e-mail to my mail id .My e-mail id is souravkansabanik@yahoo.co.in

ReplyDeletesir whether the bonus will change yearly

ReplyDeleteany problem to surrender santosh policy before maturity

Hello Prem,

ReplyDeleteI want to take PLI for Rs. 10,00,000/-. My DOB is 23 feb-1985. Considering EA scheme, for how many Years, I should take this insurance i.e. 20 years or 25 years. Which one is suggestible according to you.I can pay the premium up to 3500 Rs. per month.

Please send your reply on

chirag2302@gmail.com

Please guide me.

Thanking you in anticipation.

Sir i opened a ea policy in june 2012 with 1875. Per month for 20 years and paid only. 2 inst. .now i have changed my job .and want to revive my policy. Pls guide me.

ReplyDeletepl. call 9968243597

ReplyDeleteSir,

ReplyDeleteI have a policy EA/45, sum assured 20000, dated 31.8.88 premium 63/pm date of maturity 9.01.2014. How much maturity amount will I get.

Sir,

ReplyDeletei have policy EA/50,of 50000,dated 20-12-2002 n i paid 132/pm permium of 298 means total 39336 i paid and i want to surrender it in oct2013.so may i knw how much amount approx i vl get it..

sir wat is the bonus declared for ea 2013-14 santosh policy pls...

ReplyDeleteSir, I would like to invest 25k/year for PLI, which is the best PLI plan for maximum returns? What's my premium? I was born on 8/4/83. How would be my return break up? Should I got for endowment policy?

ReplyDeletePlease and please advise, your help is very much appreciated:)

Mike

Sir

ReplyDeleteI have a PLI of 10 lacs for 30years premium I have to pay premium is 2550/month. Maturity is 55years . I want to know that at the time of maturity how much amount would I get (including bonus). Sir please show me the calculation also...????

appxi maturity amount willbe=3000000

Deletecal culation=6500/lakhx10x30=1950000+1000000=2950000

sir I want to know this 6500 per lac is what ? is it bonus amount??

Deletei want to know the surrender value of a pli policy started from april 2012 and sum assured is of rs. 10,00,000. and term is EA-60. Monthly premium is Rs. 3350 /- . i want to know the surrender value at the end of 3,5,10 years .

ReplyDeleteI have policy santosh premium 1965monthly 3 lacs insurance. Birth date 15.8.72. Comlitly in 2027. How many amount will me.

ReplyDeleteSir

ReplyDeleteI bought PLI in OCT 2012. I have a PLI of 10 lacs for 30years premium I have to pay premium is 2550/month. Maturity is 55 years . I want to know that at the time of maturity how much amount would I get (including bonus). please show me the calculation also....

Presuming that your policy is Endowment Assurance(SANTOSH) and considering the latest bonus declared hovering around Rs.70 per 1000 sum assured, you will get an yearly bonus of Rs.70000/. If the same trend continues you will get a maturity benefit of Rs.31,00,000(i.e., Bonus accrued for 30 years@ Rs.70000/year plus sum assured of Rs.10,00,000. Precisely you will get a return of 7%.

DeleteDear sir,i want to know in briefly about santosh policy that what is guaranteed return and non-guaranteed return.thanks

ReplyDeletea.k.mittal

I have enrolled in Endowment Assurance(SANTOSH) in Kerala. My premium amount is Rs. 3150/- per month. I am a salaried employee and tax payer. Am I eligible for income tax rebate under Sec. 88D? If yes, what amount can I claim as rebate with the above mentioned premium?

ReplyDeleteDear PREM,i want to know in briefly about santosh policy that what is guaranteed return and non-guaranteed return,my mail-akmittal@tatasponge.com-mobile 9238883261.thanks

ReplyDeletea.k.mittal

plz provide me all detail about pli and premier and maturity calculater,wanna take pli in this month.

ReplyDeleteSir,i have opened a PLI in november 2012 for sum assured of 7 lakhs for 20 years and my premium is Rs.2215/ PM. My date of birth is 29-01-1987(dd/mm/yr). I want to know about my maturity value.Please let me know my maturity total value in details by sending an e-mail to my mail id .My e-mail id is vy01234@yahoo.co.in

ReplyDeleteawasome

ReplyDeleteSir,i have opened a PLI in March 2014 for sum assured of 10 lakhs for Pre Determine Age Maturity and my premium is Rs.2950/ PM. My date of birth is 05-03-1981(dd/mm/yr). I want to know about my maturity value.Please let me know my maturity total value in details by sending an e-mail to my mail id .My e-mail id is sneogi.sn.sn@gmail.com

ReplyDeleteSir

ReplyDeleteI bought PLI in March 2014 I have a PLI of 10 lacs for 27years premium I have to pay premium is 2950/month. Maturity is60 years . I want to know that at the time of maturity how much amount would I get (including bonus). please show me the calculation also....

Say you get bonus of Rs.70/- per Rs.1000/-. Therefore you will get Rs.70/-*1000=Rs.70,000/- bonus every year.

DeleteTotal bonus Rs.70,000/-*27=Rs.18,90,000/-

Maturity Value = Rs.18,90,000/-+Sum Assured Rs.10,00,000/-=Rs.28,90,000/-

I Want to Join LIC as a agent. how to join lic as agent, you can just require 12th pass and 18 years completed. Any Query call us- 7428189423 or visit our website http://www.licagentdelhi.net

ReplyDeleteDear sir i recently joined in bank job.... I want to join in pli policy....... Can u tell me which policy is better to me...... My dob is 14-01-1990..... My mail id Vijay.nalli116@gmail.com

ReplyDeleteFind new way if you Want to Become LIC Agent in Delhi. We offer new opportunities for anyone Want to know How to Apply for LIC Agent in Delhi call us:9953122754 for more detail visit our website http://www.becomelicagentdelhi.in

ReplyDeleteI took PLI yugal suraksa YS on 20.06.2009 for 5 yrs of Rs. One lac@ 1933/- per month. Maturity date is 21.7.2014 what amt will be due. Pl. Reply

ReplyDeleteHello sir I have 02 policy of Santosh. One of them started from jan2009 2680per month 8 lakh for 23 years. & second is started from nov. 2012.4150per month for10lakh for 19years. I want to know total money with bones in the end of both policy . please tell me sir my email I'd is jitukarhana2014@gmail.com

ReplyDeletePls give me a clear break up calculation of maturity of EA. Monthly premium rs.1665/- for rs.300000/-time-16 years.policy started 22/07/2009. Date of maturity 22/07/2024. Tell me on my email I.d sudnaveen@gmail.com

ReplyDeleteA frank advise to all who are buying EA(Santosh). Do not buy this policy, if you surrender due to any reason, you will be a big looser. 65% policy holder surrender this policy. Loss to people, profit to postal dept. Better buy term insurance, Do not mix insurance with investment. You may consider PPF and Bank FD for investment.

ReplyDeleteWHICH ONE WILL BE MORE BENEFICIAL POLICY EA OR AEA, IF I OPEN A PLI WITH SUM ASSURED 30000/- FOR 20 YEARS . PLEASE INFORM ME AT MY EMAIL ID JAYEETARAY100@GMAIL.COM

ReplyDeletemy pli policy 500000 five lakh and risk cover fifty lakh my police ter m is seven years and EA policy maturity value

ReplyDeleteSir i paid premium of 3 years for ea.total amount 80000 around .i want to left the policy how much i get?

ReplyDeleteWhat is the monthly premium payable for yugal policy of rs 25 lacs for 20 years

ReplyDeleteDob 04 12 1965

Dob 23 08 1962

MY BOB IS 31/03/1986 AND I HAVE 200000 FOR 35 YR AND 300000 FOR 50YR AND I WANT TO MORE PLI AS 1000000 OR 2000000 FOR 50 OR 55 YR WHAT IS PREMUM FOR THAT GIVE ME ADVISE FOR THAT

ReplyDeleteHOW IS YUGAL SURXA

WHAT IS BET.??

PLS MY MAIL ID raj.sumesra@gmail.com

DeleteI have started a EA Policy for 17 years. per month premium is 2375 RS. for 5 lakhs without service charge. please calculate actual maturity amount and benefits. email me- bharatchdas@yahoo.in

ReplyDeleteI have started a EA Policy for 28 years. per month premium is 1275 RS. for 5 lakhs without service charge. please calculate actual maturity amount and benefits. email me- bharatchdas@yahoo.in

ReplyDeleteHello Sir.

ReplyDeleteI have taken a Santosh policy for 27 years starting May 2009. Sum assured is Rs 1000000. Premium fixed is Rs 2750. This may it will be 6 years i would have paid my premium. what will be the Surrender value if i surrender in june this year.

Thanks

Sir, I had Taken EA (RLIP) policy as on Feb'2005 for 15 Years Premium amount 214 PM. For this policy I had taken loan 17,175 in the year 2013. I want how much amount i will receive after maturity of My policy.pl give details

ReplyDeleteDear Sir

ReplyDeleteI have taken EA-55 for 30 years with assured amount 10 lakhs. Please throw some light on following doubts :

1. What would be the final maturity value including bonus ?

2. Can i submit premium in any post office across India ?

You guys are living in fools' paradise and imagining bonus rate of 70 per thousand is prevailing (for Santosh policy - EA), and calculating your returns. Poor chaps, please update yourself that bonus rate of 70 had been discontinued long back in 2008. In 2009 it was revised downwards to 65, and in 2010-11 to 60. Currently the bonus rate for the policy is mere 58 per thousand for 2014-15. If you add the hassles of premium payment at post office counters and nightmares of getting settlement of maturity, it does not worth any value. Better buy Term assurances from LIC or good private insurers for covering the risk by paying very less premium and invest rest of money invest in bank/company FDs or in equity as per your choise.

ReplyDelete