What is Gram Suraksha RPLI scheme & how does Whole Life Assurance work?

Gram Suraksha (Whole Life Assurance - WLA) is an RPLI policy where the insured pays premiums until a chosen age (50, 55, 58, or 60 years) while receiving life insurance coverage up to 80 years of age. Upon attaining age 80, or upon death, full Sum Assured plus all accrued bonuses are paid.

What is the declared annual bonus rate for RPLI Gram Suraksha?

Gram Suraksha carries an annual bonus rate of ₹60 per ₹1,000 Sum Assured per year.

When is the maturity payout delivered under Gram Suraksha?

Under Gram Suraksha (Whole Life Assurance), premiums stop at the chosen age (50, 55, 58, or 60 years), and the full Sum Assured plus all accrued bonuses up to age 80 are paid to the policyholder upon attaining age 80, or to the nominee in case of death.

Can Gram Suraksha policy be converted to Endowment Assurance?

Yes, a Gram Suraksha policy can be converted into an Endowment Assurance (Gram Santosh) policy after completing 1 year up to 59 years of age, provided the conversion date is not within 5 years of maturity.

What are the loan, surrender, and tax rules for RPLI Gram Suraksha?

Policy loan facility is available after completing 4 policy years. Surrender option is available after 3 policy years, with bonus eligibility starting after 5 completed policy years. Premiums qualify for 80C deduction and maturity payouts are 100% tax-free under Section 10(10D).

RPLI Gram Suraksha Calculator 2026: Whole Life Premium Quote

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