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Category: Life Insurance

Sparsh Defence Pension Portal (A Complete Guide)

Post author By parastar
Post date June 23, 2023

Sparsh Defence Pension Portal (A Complete Guide) – Login, Register & More

The Sparsh Defence Pension Portal was launched by Principle Controller of Defence Accounts (Ministry of Defence) for effective management and disbursement of pensions for defence pensioners of the Army, Navy, Defence Civilians, and Air force.

The Sparsh Defence Pension Portal provides pensioners with the ability to view their eligible pension amount, disburse pension to bank account, grievance management, and other disbursement related services. The Sparsh Portal is developed by India’s largest I.T company Tata Consultancy Services.

We will talk about some of the most important aspects of Sparsh Defence Pension Portal, such as:

What is Sparsh Defence Pension Portal?
How does Sparsh Defence Pension Work?
How to Login to Sparsh Defence Pension Portal
How to Register with Sparsh Defence Pension Portal
Features and Benefits of Sparsh Defence Pension Portal
Sparsh Defence Pension Customer Support

What is Sparsh Defence Pension Portal?

What is the full-form of Sparsh Defence Pension Portal? SPARSH stands for The System for Pensions Administration – RakSHa (SPARSH). SPARSH was introduced in October-2020, and the roll-out continued till August 2021.

In fact, in 2021-22, the Sparsh Defence Pension Portal had onboarded over 5 lakh defence pensioners, and disbursed over 11600 crores in pensions that year alone.

The core activities of Sparsh Defence Pension Portal are the following:

Pension intimation and sanction.
Pension disbursement directly in the pensioner’s linked bank account.
Complete history of all pensions received.
Complete profile of the pensioner.
System to make complaints and get complaints solved.
Generate pension slips.
Identification through life certificate.

How does Sparsh Defence Pension Work?

Let us now understand how Sparsh Defence Pension Portal works:

The portal is made by TCS, and pensioners need to register/login to the portal to begin using it.
The pensioner will be allotted a unique account number.
The pensioner can use this unique account number to initiate their pension claim requests.
Once a claim is initiated by the pensioner, the claim gets sent to the Pay Accounts Office, where the claim is verified and approved. This process is called the Pensioner Data Verification (PDV).
Once approved, the pensioner can see their approved claim on the Sparsh Defence Penstion Portal.
Now, they can initiate a payout request to their linked bank account through the portal.

How to Login to Sparsh Defence Pension Portal

Let us now understand how you can login to the portal by following these simple steps.

Step 1.) Visit the Official Sparsh Defence Portal

First, you will need to visit the official portal. You can either search for ‘Sparsh Defence Portal’ on your preferred search engine and navigate to the official portal, or you can visit the official Sparsh portal here.

Step 2.) Enter your Credentials

Now, click on the ‘Login’ button on the top right hand side. You will now be redirected to the login page. Kindly use your username and password, enter the captcha, and press on ‘Login.’

Note that your username and password will be sent to your registered mobile phone or email ID if you are eligible to receive a pension. Use this to login to the portal.

Step 3.) Submit Declarations

Now, a pensioner may be required to submit some declarations on the portal. These declarations are case specific. Go through these requirements and submit the declarations if required.

Step 4.) Submit Aadhar and complete PDV

Next, you will need to submit your Aadhar number to the portal. Once you submit your Aadhar number, you will be initiate the Pensioner Data Verification (PDV) process. Once the PDV process is complete by the Pay Accounts Office, you will get an imitation stating that the PDV process is complete.

Also, Be sure your change your account password and make your Sparsh account secure.

Step 5.) Use the Portal

Finally, you can now access all of the features and benefits of the portal. Make yourself familiar with the portal interface and spend some time there to get the hang of it.

How to Register with Sparsh Defence Pension Portal

Let us now talk about how a pensioner can register himself on the Sparsh Portal.

Step 1.) Visit the Sparsh User Registration Page

First, a pensioner will have to visit the new user registration page on the portal. You can also access it from here.

Step 2.) Enter your Details

Now, you will be prompted to fill-up a whole host of details. Kindly fill-up these details and click on ‘Register.’

Features and Benefits of Sparsh Defence Pension Portal

Mentioned within are some of the most important features and benefits of the Sparsh Portal:

View and Update Pensioner Profile: The portal gives the option to view and update all details pertaining to a defence pensioner.
Update Dependent Details: You can also update your family or dependent details on the portal to ensure clarity and continuity.
Pensioner Data Verification (PDV): Sparsh can check and validate all details pertaining to a pensioner and ensure that all records are up to date and valid.
Application Tracking: A pensioner can track his or her application and can get real-time status updates for the same.
Grievances: A pensioner can also lodge a grievance and get a resolution on the same through the Sparsh portal.
Identification through Life Certificate: A pensioner can upload his or her life certificate and authenticate themselves on Sparsh. Once authenticated, they can initiate a pension request.

Login ID not Received to Pensioner

Pensioners who have not received their login ID need to register their grievance on the Sparsh Portal. You can access the grievance / complaint lodging page here.
Now, you will need to enter a list of details including PPO number, mobile number, email ID, Account number, full name, and more. Once entered, kindly lodge your complaint.

You can also lodge a complaint by navigating to the ‘services section’ on the Sparsh homepage, and navigate to the ‘Grievances’ part.

Once your complaint is registered, Sparsh will send across your user ID and password to your registered mobile number. Post this, you can login to your Sparsh account.

How to Download and Read PPO

Find out how a pensioner can read his or her PPO after downloading it.

How to Read PPO

A PPO will have the following important details mentioned within it:

PPO Number
Full Name
Regimental Number
Date of Enrollment and Discharge
Record Office
Last Held Rank
Payment Details (including pay level, military service pay, classification allowance, average pay for last 10 months, pay in pay matrix, and last emolument drawn)
Beneficiary bank account details
Lump sum entitments
Recurring payments
Spouse Details (including Aadhar number, PAN, Name, Phone Number, and Email ID)
Family Details (including children details)

How to Download PPO

Let us now find out how you can download your PPO in simple steps:

First, login to your Sparsh account.
Next, click on ‘My Documents’ on the left-hand side.
Now, navigate to the ‘Pensioner PPO’ section.
Download and open your Pensioner PPO PDF file.

Sparsh Defence Pension Customer Support

Sr. No

Address

Contact Details

1.)

Principal Controller of Defence Accounts (Pensions),

Draupadi Ghat, Near, Sadar Bazar, Prayagraj,

Uttar Pradesh – 211014

18001805325

2.)

SPARSH Seva Kendras

Sparsh Center Locator

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Postal Life Insurance

What is the Postal Life Insurance (PLI) Scheme? – Interesting Facts

Post author By parastar
Post date May 6, 2023

What is the Postal Life Insurance (PLI) Scheme? – With Interesting Facts

Are you curious to read and learn about the Postal Life Insurance Scheme, also referred to as the Post Office PLI Scheme? This article will go in-depth on the topic of the Postal Life Insurance (PLI) Scheme: its history, benefits, Plans, and more. Did you know that the PLI Scheme was ordered by the Queen Empress of India herself?

Continue reading to know about more such interesting facts about the PLI Scheme of India.

History of PLI Scheme
Benefits of PLI Scheme
PLI plans and policies
Interesting Facts about the PLI Scheme

History of the PLI Scheme

The Postal Life Insurance Scheme is one of the earliest welfare schemes introduced in India. In fact, PLI Scheme was introduced around 63 years prior to India’s independence in 1947. The PLI Scheme was founded on February 1, 1884, and was solely introduced as a welfare scheme for employees of the post office.

The PLI Scheme has come a long way since 1884, with many modifications and changes. Today, the PLI Scheme provides six types of life insurance schemes or plans for a variety of different audiences, including officers of the central and state governments, nationalised banks, RBI employees, professionals, and beyond.

Benefits of the PLI Scheme

The most important benefits of the Postal Life Insurance Scheme are:

High coverage: The Postal Life Insurance Scheme provides a reasonably high life insurance coverage of Rs. 50 lacs. Life insurance coverage has slowly but steadily increased over the course of many years. This is extremely important as it is keeping pace with general inflation levels in the nation.
Highly accessible: The PLI Scheme is accessible throughout the nation via over 1.5 lakh post office branches across India. This makes it the easiest life insurance scheme to access in India.
Tax Benefits: Policyholders can avail of tax benefits under Section 80C and Section 10(10D) of the Income Tax Act on premiums paid.
Affordable Premiums: With the spirit of welfare intact, the PLI Scheme provides a good amount of life insurance coverage for reasonably affordable premium rates. This increases insurance penetration in India.
Guaranteed Returns: Returns are guaranteed by India Post. This ensures safety and stability for policyholders.

PLI Schemes and Policies

There are six plans offered under the PLI Scheme, and they are:

Endowment Assurance (Santosh)
Anticipated Endowment Assurance (Sumangal)
Whole Life Assurance (Suraksha)
Convertible Whole Life Assurance (Suvidha)
Children’s Policy (Bal Jeevan Bima)
Joint Life Assurance (Yugal Suraksha)

You can also read in detail about the PLI plans.

Interesting Facts About the PLI Scheme

Mentioned below are some of the lesser-known but interesting facts about the PLI Scheme:

The PLI Scheme was founded in 1884 by order of the Queen Empress of India.
The PLI Scheme was suggested by the then Director General of Post Offices, Mr. F.R. Hogg.
There are over 46 lakh policyholders under the PLI Scheme (as of 2017).
PLI policyholders can avail of a loan against their PLI policy.
Maximum life insurance coverage under the PLI scheme is Rs. 50 lacs (as of 2023).
The PLI Scheme is backed by the Central Government of India.
The annual budget of the post office is ₹ 20,820.02 crore (as of 2022) and employs over 4 lakh employees across the country.

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How much is an LIC Agent’s Commission? (LIC Commission Chart)

Post author By parastar
Post date May 5, 2023

How much is an LIC Agent’s Commission? (LIC Commission Chart)

So, are you wondering how much commission does an LIC agent get? Are you interested in getting into the insurance agency business, or are you just curious about how much commission LIC gives to its agents? Well, learn about LIC’s commission structure, its rate of commission, LIC commission details and the LIC agent commission chart (plan wise) through this information-packed article. We will talk about the following:

How much is an LIC agent’s commission?
How do LIC agents make a commission?
LIC agent Commission Chart

How much is an LIC agent’s commission?

The exact commission of an LIC agent depends on the type of policy they have sold, and the bonus they have earned. But you can get an idea of the structure of LIC commission payments and understand how much commission an LIC agent can earn.

Commission Type	Commission Percentage %
Fresh policy sold	20-25% (depending on the policy sold)
Bonus on first year policies sold	Up to 40% of policy premium
Recurring commission (2nd and 3rd year)	7.5% of policy premium
Recurring commission (4^th year onwards)	5% of policy premium

Now, let us understand the commission rates for different types of LIC policies:

Policy Type	Commission
Health Insurance	25%
Term Plan	25%
Endowment Plan	25%
Money Back Plan	20%
Child Plan	25%
Pension Plan	2%

To get a further idea about the commission rate, refer to the plan wise LIC Agent Commission Chart below. The chart specifically gives a detailed break-up of the commission rate based on the policy type and policy tenure.

How do LIC agents make a commission?

An LIC agent makes a commission in the following ways:

When they sell an LIC policy: This is the primary way an LIC agent earns a commission. An LIC agent gets a 20-25% commission on fresh LIC policies sold. This commission generally makes up the bulk of the LIC agent’s earnings.
When the policyholder renews a policy: An LIC agent also earns a recurring commission of 7.5% on the premium value whenever an existing LIC policyholder renews their LIC policy. The agent makes 7.5% on renewals for the 2nd and 3rd years. From the 4th year onwards, the agent makes a flat commission of 5% until the policy is in force.
Commission from bonus: LIC also provides its agents with a 40% bonus commission on the first year’s commission, provided the agent meets certain sales targets set by LIC.
Hereditary commission: If an LIC agent passes away, their commission will be paid to their next of kin or nominee. This feature provides a sense of security to the family of the LIC agent.
Free term insurance: LIC pays free term insurance to an agent under Schedule VI of the Agents Rules, 1972, if the agent passes away before the age of 60, subject to certain terms and conditions.
Retirement benefits: A gratuity of up to ₹ 2,00,000 is payable to an LIC agent as per Schedule VI of the Agents Rules, 1972.

As you can see, LIC has quite a few robust earning metrics for its agents, ensuring that they make a healthy income. If you are considering becoming an LIC agent, it could be a wise choice.

LIC Agent Commission Chart

LIC agent commissions are dependent on the type of policy sold and the tenure of the LIC policy sold. Different types of policies and different tenures attract different commission rates for LIC agents.

Get a detailed idea of LIC commissions by viewing the LIC agent commission chart below.

LIC commission chart — LIC Commission Chart

We hope this article shed some light on agent commission details, and agent commission structure.

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sbi life insurance

How to check SBI Life Insurance Fund Value?

Post author By parastar
Post date May 4, 2023

How to check SBI Life Insurance Fund Value?

When we invest in a life insurance policy, we expect that it provides financial security to us and our loved ones during uncertain times. SBI Life Insurance is a leading provider in the life insurance industry, helping millions of individuals achieve this peace of mind. However, just buying the policy and forgetting about it is not enough.

It is imperative that policyholders monitor the fund value of their life insurance policy to ensure that their investment is growing and meeting their financial goals. Hence, in this article, we will discuss about fund value and also show the steps to keep track of your fund value with SBI Life Insurance. This article will talk about the following:

What is Fund Value?
How to check SBI Life Insurance Fund Value?
5 Popular Unit Linked Plans by SBI Life Insurance

What is Fund Value?

In simple terms, fund value is the aggregate value of investments made in the unit linked life insurance plan. It is calculated based on the net asset value (NAV) of the policy, which takes into account the investment balance, cash balance, and valuation of securities, while deducting charges like management and operating fees. Simply put, fund value represents the current worth of the policyholder’s investment in the plan.

Upon maturity of the policy or in the event of the policyholder’s unfortunate demise during the policy term. The policyholder or their beneficiaries will receive the fund value or the sum assured, whichever is higher, as per the policy terms and conditions.

How to check SBI Life Insurance Fund Value?

Below are the steps to check your fund value:

Step 1: Visit the official website of SBI Life Insurance, i.e, https://www.sbilife.co.in/.
Step 2: Click on the “Services” tab.
Step 3: Select “Policy Fund Details” and then click on “Proceed.”
Step 4: Your latest fund value will be displayed on the screen.
Step 5: You can also contact the company’s customer care at 022-624-58501 or check the same through the Smart Care App provided by the company.

5 Popular Unit Linked Plans by SBI Life Insurance

SBI Life Smart Power Insurance: This ULIP life insurance plan offers two unique fund options to the policyholders. The two fund choices offered in this plan are Trigger Fund and Smart Fund option. Policyholders can choose the fund depending on their risk appetite. This plan also comes with the benefit of in-built accelerated total and permanent disability cover.
SBI Life Wealth Assure Plan: This is a unit linked life insurance plan that offers the dual advantage of a life cover and an investment benefit. Along with offering life coverage, this plan aims to offer higher returns to the policyholders by investing in market-linked securities.
SBI Life Smart Wealth Builder Plan: This ULIP, non-participating life insurance plan not only offers life coverage but also guaranteed returns from market related investments. SBI Life Smart Wealth Builder is the perfect plan for individuals who want to secure their family’s financial future.
SBI Life Retire Smart Plan: As the name suggests, this is a ULIP pension plan designed for people seeking a stable stream of income after retirement. The plan offers a guaranteed payout to the policyholder upon policy maturity.
SBI Life Smart Elite Plan: This Unit linked plan is specifically designed for high net-worth individuals. The plan provides life insurance coverage and also provides higher returns by investing in equity, gold, debt funds and so on. This plan comes in two different variants, i.e Gold and Platinum option.

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LIC AAO Syllabus -2023 (Everything you need to know)

Post author By parastar
Post date May 4, 2023

LIC AAO Syllabus -2023 (Everything you need to know)

Are you a student looking to find out what is the LIC AAO syllabus for 2023? Well, then you’re in the right place. Get detailed information about the LIC AAO syllabus, LIC AAO exam pattern, and more. Let’s begin!

We will talk about the following:

What is the LIC AAO Exam?
LIC AAO Syllabus -2023
LIC AAO Exam Pattern

What is the LIC AAO Exam?

The LIC AAO exam is an exam conducted by the Life Insurance Corporation (LIC) of India with the objective of selecting suitable candidates for the job of Assistant Administrative Officer with the LIC of India.

The LIC AAO exam is held every year, for roughly 500+ positions of assistant administrative officers. It is a national level exam. For 2023, LIC has notified a vacancy for 300 positions.

LIC AAO Syllabus -2023

Let us now discuss about the syllabus of the LIC AAO Exam. The syllabus is divided in prelims syllabus and main exam syllabus. We will talk about both.

Prelims Syllabus
Main Syllabus
Descriptive Test Syllabus

LIC AAO Prelims Syllabus

The Prelims syllabus is divided into 3 categories: Reasoning, English Language, and Quantitative Aptitude.

LIC AAO Reasoning Syllabus

Sr. No	Topic
1	Order and Ranking
2	Logical Reasoning
3	Puzzles
4	Alphabet and Number Series
5	Syllogism
6	Coding-Decoding
7	Alpha-Numeric-Symbol Series
8	Machine Input-Output
9	Logical Reasoning
10	Seating Arrangements
11	Direction Test
12	Statement, Arguments, and Conclusion
13	Blood Relations
14	Inequalities
15	Puzzles

LIC AAO English Language Syllabus

Sr. No	Topic
1	Word Usage
2	Reading Comprehension
3	Direct and Indirect Speech
4	Error Corrections
5	Cloze Tests
6	Antonyms and Synonyms
7	Fillers
8	Idioms and Phrases
9	Spotting Errors
10	Subject-Verb Agreement
11	Vocabulary based questions
12	Passage Completion
13	Phrase/Connector
14	Cloze Tests
15	Parts of Speech
16	Sentence Improvement
17	Para-jumbles
18	Singular-Plural

LIC AAO Quantitative Aptitude Syllabus

Sr. No	Topic
1	Quadratic Equations
2	HCF and LCM
3	Mensuration
4	Average
5	Ratio and Proportion
6	Number Series
7	Profit and Loss
8	Approximation
9	Mixtures & Alligations
10	Partnership
11	Data Interpretation
12	Surds and Indices
13	Permutation and Combination
14	Cistern and Pipe
15	Speed, Distance and Time
16	Simple and Compound Interest
17	Probability
18	Boats and Streams
19	Problem on Ages
20	Data Sufficiency
21	Percentage
22	Simplification
23	Work and Time

LIC AAO Main Exam Syllabus

The Main exam syllabus is divided into 3 categories: Data Analysis and Interpretation, Insurance and Financial Market Awareness, and GK and Current Affairs.

Sr. No	Data Analysis and Interpretation
1	Data Handling
2	Data Implementation
3	Data Derivation
4	bar graphs
5	Elementary mathematics
6	pie charts
7	Arithmetic Chapters

Insurance and Financial Market Awareness

Sr. No	Topic
1	history of banking
2	Current Banking news
3	financial institutes, terminologies & derivations
4	various laws and policies
5	Basics of Insurance industry
6	Insurance terminologies
7	Latest policies
8	Major policies of insurance industry
9	Insurance Development

General Knowledge and Current Affairs

Sr. No	Topic
1	Indian Constitution
2	Inventions and Discoveries
3	Geography of India and the World
4	Sports News
5	Important Days
6	People in the News
7	Current Affairs (special emphasis on Insurance news related news)
8	National and International Events
9	National and International Organizations
10	Awards and Honours
11	Government Schemes
12	Indian Economy
13	Books and Authors
14	History of India
15	Environment Topics
16	New Legislations
17	Government Policies
18	Science and Technology
19	Committee, Commissions and Reports

Descriptive Test Syllabus

The descriptive test exam syllabus is divided into 4 categories: Essay, Travel Insurance, and Financial Security and its Elements, and Preference. Under the descriptive test, candidates must write insightful, well documented, and valuable essays on the following topics:

Descriptive essay demonstrating good Letter writing skills
Importance of Travel Insurance:
Financial Security and its Elements
Preference – What is your preference? (Insurance or mutual funds)

LIC AAO Exam Pattern

Understanding the LIC AAO exam pattern is key to a student’s success. Below mentioned is the exam pattern for both the prelims exam as well as the main exam.

LIC AAO Prelims Exam Pattern

Subjects	No of Questions	Total Marks	Exam Duration
Quantitative Aptitude	35	35	20 minutes
Reasoning	35	35	20 minutes
English Language	30	30*	20 minutes
Total	100	70	60 minutes

LIC AAO Main Exam Pattern

Subjects	No of Questions	Total Marks	Exam Duration
Professional knowledge	30	90	40 minutes
Reasoning	30	90	40 minutes
General Knowledge & Current Affairs	30	60	20 minutes
Insurance and Financial Market Awareness	30	60	20 minutes
Total	120	300	120 minutes
Legal Drafting / Letter Writing	2	25*	30 minutes

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Postal Life Insurance

Rural Postal Life Insurance (RPLI) Agent Login

Post author By parastar
Post date May 1, 2023

Rural Postal Life Insurance (RPLI) Agent Login – A Simple Guide

Rural Postal Life Insurance (RPLI) has influenced the lives of millions of individuals belonging to the rural sector of India by offering them very affordable life insurance coverage. As an RPLI agent, it is crucial to manage policies, access customer data, and streamline operations to enhance customer service. That’s where the RPLI agent portal comes in. It is an online portal offered by India Post to help agents manage policies for their clients.

In this article, we will talk about the features of RPLI agent portal and also give you a complete guide on how to access the portal.

How to login into RPLI Agent Portal?
How to register on RPLI Agent portal?
How to reset password on RPLI Agent portal?
Features of RPLI Agent Portal
Frequently Asked Questions (FAQs)

How to login into RPLI agent portal?

Follow these simple steps to login to the portal:

Step 1: Visit the official website of India Post or click on this official link, i.e. https://dopagent.indiapost.gov.in/. to directly access the portal.
Step 2: Enter your login ID and password.
Step 3: Enter the captcha code and click on “Log in.”
Step 4: You will be successfully logged in.

Note: If you are a first time user, you will need to register yourself on the portal. Once you have successfully registered yourself on the portal, you can log in anytime using the agent ID and password created during the registration process.

How to register on RPLI agent portal?

Follow these simple steps to register yourself on the portal:

Step 1: Click on this link, http://www.postallifeinsurance.gov.in/, to access the official portal.
Step 2: Click on the “Register” option on the login page.
Step 3: Enter your user ID or agent ID received by India Post and your date of birth. Also, enter the security code and click on “Generate Password.”
Step 4: Create a unique login password. You can use this password to log into the RPLI portal at any time.

Note: If you face any issues while logging in or registering on the RPLI agent portal, you can contact India Post Customer Care or your RPLI Branch Office for assistance.

How to reset password on RPLI agent portal?

in case you have forgotten your password. Let us show you how you can reset the password in these simple steps:

Step 1: Go to the official portal link for the same, which has been provided above.
Step 2: Click on the “Forgot Password” option given on the login page.
Step 3: Enter your user ID, date of birth, and security code and click on the “Request Password” option.
Step 4: A link will be generated to reset the password. You can now reset your password accordingly.

Features of RPLI agent portal

Below are a few features and benefits of the portal:

Policy Management: This portal enables the agents to manage their customers insurance policies efficiently. Agents can track and submit claims, generate premium quotes, track policy applications, and much more through the portal.
Customer Details: This portal provides agents access to important customer details like KYC, premium receipts, policy bonds, etc., which are stored in a secured database. This feature enables the agents to manage and update any policy-related records efficiently.
Renewals: RPLI agents can easily track the policy renewal dates for their customers and send them timely reminders for renewals.
Policy-related Resources: The portal offers a plethora of policy-related resources such as brochures, policy wordings, etc. so that the agents can guide and educate the customers in detail.

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Frequently Asked Questions

Step 1: Login to the portal using your user ID and password.
Step 2: Click on the "Customer" tab.
Step 3: Select the customer whose information you want to update.
Step 4: Update the necessary fields with the new information or data.
Step 5: Click on "Save" to make the necessary changes.

Follow these simple steps:

Step 1: Login to the portal using your user ID and password.
Step 2: Click on the "Policy Reports" tab.
Step 3: Select the customer’s policy whose premium due report you want to generate.
Step 4: Then click on "Maturity Report."
Step 5: The premium-due report for that policy will be generated instantly.

All policy-related documents, such as the policy bond, revival application form, death claim form, and more, can be downloaded through the portal.

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sbi life insurance

SBI life Insurance policies under 50 Thousand (Top 6 Plans)

Post author By parastar
Post date April 28, 2023

SBI Life Insurance Policies under ₹50,000 (Top 6 Plans)

Are you looking for a low cost insurance policy that provides life insurance coverage for less than ₹50,000? Well, SBI Life Insurance offers many such life insurance plans.

SBI Life Insurance offers a range of life insurance plans that extend life insurance coverage for a small premium of ₹50,000. The company also offers a one time premium payment option.

SBI Life Insurance also offers a variety of life insurance plans with varied premium payment terms. For instance, under the SBI Life Retire Smart policy, a policyholder will have to pay a minimum premium of ₹50,000 for 5 years and he or she will receive life long insurance coverage.

There are a variety of such plans offered by SBI Life Insurance, explore them below:

SBI Life Smart Platina Assure
SBI Smart Wealth Assure
SBI Life Grameen Bima
SBI Life Shubh Nivesh
SBI Life Smart Wealth Builder
SBI Life Retire Smart

Policies under ₹50,000

SBI Life Plans	Type of Plan	Premium Paying Term	Entry
SBI Life Smart Platina Assure	Endowment assurance savings plan	6- 7 years	3 years
SBI Smart Wealth Assure	Unit linked plan	10 years	8 Years
SBI Life Grameen Bima	micro- life insurance	5 years	18 Years
SBI Life Shubh Nivesh	Savings plan	5 years	18 years
SBI Life Smart Wealth Builder	Unit linked plan	5 years	2 Years
SBI Life Retire Smart	Unit linked pension plan	5 years	30 years

SBI Life Smart Platina Assure

SBI Life Smart Platina Assure is a non-linked, non-participating individual life insurance product designed to provide financial stability to the policyholder in the form of comprehensive life coverage and guaranteed returns. The minimum premium amount a policyholder can choose to pay under this plan is ₹50,000.

Key features of SBI Life Smart Platina Assure Plan

Some of the key features of the plan are as follows:

Life Cover: This plan offers life insurance coverage, that will assist in securing the financial future of the family members in case of the unfortunate death of the insured individual.
Guaranteed Additions: This plan offers guaranteed additions of 5.25% or 5.75%, increasing the sum assured at the end of each policy year.
Maturity Benefit: The policyholder will receive a lump sum payout of the total sum assured plus accumulated bonuses at the end of the policy tenure.
Flexible Premium Payment: The policyholder can choose to pay the premium for a limited term of 6 or 7 years and avail the benefits of the plan for a longer term of 12 or 15 years.
Tax Benefit: The policyholders can avail of a tax benefit on the premium paid by them under Section 80C of the Income Tax Act, 1961.

SBI Smart Wealth Assure

This unit linked, non-participating life insurance product offers the dual advantage of both life insurance coverage and an investment benefit. Along with offering life coverage, this plan aims to offer higher returns to the policyholders by investing in market-linked securities, debt funds, and so on. The policyholder can choose to pay a single premium and avail of life coverage during the whole policy tenure. The minimum premium amount under this policy is ₹ 50,000.

Key features of Wealth Assure Plan

Some of the key features of the plan are as follows:

Life cover: This plan offers life insurance coverage to the policyholder, offering financial security in case of any unfortunate event.
Investment Options: This plan offers a choice of seven investment funds, ranging from equities to debt funds and so on.
Suicide Claim: In case of death of the life assured due to suicide within 12 months from policy inception, the nominee under the policy will be entitled to a lump-sum payout equal to the fund value.
Partial Withdrawal: Since this is a ULIP policy, there is a locking period of 5 years. The policyholders can choose to make partial withdrawals from the policy after the completion of the lock-in period.
Additional Riders: This plan can be purchased with other additional riders, such as accidental death cover or so on, for better insurance coverage.
Tax Benefit: You can avail of tax exemptions on the premiums paid by you under Section 80 C of the Income Tax Act.

SBI Life Grameen Bima

This is a micro-life insurance policy designed to provide life insurance coverage to individuals belonging to the rural sector of the country at an affordable premium. The policyholder can choose to pay a single premium and avail of the benefits during the whole policy tenure.

Key features of SBI Life Grameen Bima

Some of the key features of the plan are as follows:

Death Cover: This plan offers financial security to family members in case of the unfortunate death of the insured.
Suicide Claim: In case of suicidal death of the insured within 12 months of policy inception, 80% of the total premiums paid will be payable to the family members of the policyholder.
Affordable Premium: The minimum premium under this plan starts at ₹300 and the maximum premium under this plan is ₹50,000.
Tax Benefit: The policyholders can avail themselves of a tax benefit under the Income Tax Act.

SBI Life Shubh Nivesh

SBI Life Shubh Nivesh is a non-participating, non-linked savings life insurance plan offered by SBI Life Insurance. This plan is designed to offer life insurance coverage and savings benefits to its policyholders. The minimum premium amount under this policy is ₹ 43,000 with no upper limit cap.

Key features of SBI Life Shubh Nivesh

Some of the key features of the plan are as follows:

Death Cover: This plan provides a lump sum payout to the beneficiary of the policy in case of the unfortunate demise of the policyholder.
Maturity Benefit: The policyholder will be paid the sum assured plus any accrued bonuses as a maturity benefit upon the maturity of the policy tenure.
Additional Riders: Policyholders can boost their coverage by adding riders like Accidental Death Benefit, Accidental Total and Permanent Disability Benefit, and Preferred Term Rider to the base plan.
Premium Flexibility: The policyholders have the option of paying a one-time single premium or making regular payments.
Tax Benefit: The policyholder can avail of tax benefits as per the provisions of the Income Tax Act.

SBI Life Smart Wealth Builder

This is a unit linked, non-participating life insurance plan that not only offers life coverage but also guaranteed returns from market-linked investments. SBI Life Smart Wealth Builder is an ideal plan for individuals who want to accumulate wealth over the long term while securing their family’s financial future. This plan gives the choice of a single, one-time premium payment or a regular payment option. The minimum premium under the single premium payment option is ₹65,000.

Key features of SBI Life Smart Wealth Builder

Death Cover: In the event of the untimely passing of the life insured, this plan offers a lump sum payout to their nominee.
Maturity Benefit: A lump sum payout equivalent to the fund value will be payable on policy maturity.
Fund Options: The policy provides various fund options, including equity funds, debt funds, and so on.
Partial Withdrawals: The policyholder will be eligible to make partial payment withdrawals from the policy in the 6th year of policy completion.
Tax Benefit: A tax exemption on premiums paid by the policyholder will be applicable.

SBI Life Retire Smart

As the name suggests, this is a unit-linked, non-participating individual pension plan ideal for individuals seeking a stable income source post-retirement. The minimum premium payable under this plan is ₹30,000 for the regular payment option and ₹1,00,000 for a single, one-time premium.

Key features of SBI Life Retire Smart

Death Cover: In the event of the untimely passing of the policyholder, this plan offers a lump sum payout to their nominee.
Guaranteed Additions: At the end of the policy term, the plan provides guaranteed payouts that the policyholder can receive in the form of a lump sum.
Premium Flexibility: The policyholders have the choice to pay a single premium or make regular payments, depending on their preferences.
Loyalty Addition: The plan offers a loyalty addition benefit that is added to the policy fund value at the end of every fifth policy year, provided that the policy is in force.

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Postal Life Insurance

Difference between RPLI and PLI (8 Key Differences)

Post author By parastar
Post date April 26, 2023

Difference between RPLI and PLI (8 Key Differences)

Are you planning to purchase a life insurance plan from Rural Postal Life Insurance (RPLI) or Postal Life Insurance (PLI) by India Post? If so, it is important that you understand the similarities and differences between RPLI and PLI.

Hence, in this article, we will draw a comparison table between RPLI and PLI plans so that you can make an informed decision based on your insurance needs and preferences.

Rural Postal Life Insurance

Postal Life Insurance

What is RPLI?

India Post’s Rural Postal Life Insurance was introduced in 1995 with the main objective of providing life insurance coverage at an affordable premium to individuals belonging to the rural sector of India.

What is PLI?

Postal Life Insurance by India Post was established on February 1, 1884.

It was established with the intention of providing life insurance coverage to postal employees, female employees of P&T departments, etc. Postal Life Insurance has now expanded its services and offers coverage to the armed forces, government employees, and so on.

Plans under Rural Postal Life Insurance

Whole Life Assurance Policy (Gram Suraksha)
Convertible Whole Life Assurance Policy (Gram Suvidha)
10 years Rural PLI Policy (Gram Priya)
Endowment Assurance Policy (Gram Santosh)
Anticipated Endowment Assurance Policy (Gram Sumangal)
Children Policy (Gram Bal Jeevan Bima)

Plans under Postal Life Insurance

Whole Life Assurance Policy (Suraksha)
Convertible Whole Life Assurance Policy (Suvidha)
Joint Life Assurance Policy (Yugal Suraksha)
Endowment Assurance Policy (Santosh)
Anticipated Endowment Assurance Policy (Sumangal)
Children Policy (Bal Jeevan Bima)

Benefits of Rural Postal Life Insurance Plans

Below are a few general benefits under RPLI plans:

Death Benefit: In the event of the unfortunate demise of the policyholder, the nominee of the policy will receive the sum assured along with any accrued bonus.
Unnatural Death: RPLI plans also offer coverage for unnatural death in cases of suicide, etc., but only if the policy is continued for more than 2 years.
Survival Benefit: A certain percentage of the total sum assured will be payable to the policyholder under the survival benefit, along with any accrued bonus, after 4 years, 7 years, and 10 years of policy completion.
Loan Facility: The policyholder can also avail of a loan facility upon the policy’s completion after 3 or 4 years. The loan facility is not admissible under the Bal Jeevan Bima Policy.
Interest Waiver: All interest on arrears of premium up to one year will be waived off, in the case of natural calamities such as floods, droughts, earthquakes, cyclones, etc.
In Case of Parents Death: In case of the death of the parent of the insured child under the (Gram) Bal Jeevan Bima Policy, all premiums will be waived off. The insured child will receive total SA along with any accrued bonus.
Tax Rebate: RPLI plans are eligible for an income tax rebate under Section 80C of the Income Tax Act. The insured can also avail of a rebate under Section 88 of the Income Tax Act.

Benefits of Postal Life Insurance Plans

Below are a few general benefits under PLI plans:

Death Benefit: In the event of the death of the insured individual, the sum assured under the plan will be paid to the beneficiaries of the policy.
Accidental Death Benefit: In case of the unfortunate accidental death of the policyholder, the sum assured along with the accrued bonus will be paid to the beneficiary of the policy.
Total Permanent Disablement Cover: PLI plans also financially compensate in the event of any total permanent disability suffered by the policyholder due to an accident.
Unnatural Death: Like RPLI, PLI plans also offer coverage for unnatural deaths like suicide, murder, etc. only if the policy has been active for more than 2 years.
Loan Facility: The policyholder can also avail of a loan facility upon the policy’s completion after 3 or 4 years. The loan facility is not admissible under the Bal Jeevan Bima Policy.
In Case of Parent’s Death: Under the Children Policy (Bal Jeevan Bima), all premiums will be waived in case of the unfortunate death of the parent.
Tax benefit: PLI plans are eligible for income tax exemption under Section 80C of the Income Tax Act.

Sum Assured

Below are the sum assured options under the RPLI plans:

Minimum sum assured: ₹ 10,000

Maximum sum assured: ₹ 10,00,000

Sum Assured

Below are the sum assured under PLI plans:

Minimum sum assured: ₹ 20,000

Maximum sum assured: ₹ 50,00,000

Eligibility

Following individuals are eligible to opt for RPLI plans:

Rural Postal Life Insurance plans can be purchased by all individuals belonging to rural sector of India.

Eligibility

All government employees, the Defence and Para-Military Services, employees of PSU banks, educational institutions, Local Bodies, and professionals like doctor’s, MBAs, lawyers, etc. Employees of companies listed with the Bombay Stock Exchange( BSE) and the National Stock Exchange (NSE)

Age Criteria

Following are the general age criteria for purchasing the plan: The same may vary according to the type of policy.

Minimum age: 5 years

Maximum age: 55 years

Age Criteria

Following are the general age criteria for purchasing the plan: The same may vary according to the type of policy.

Minimum age: 5 years

Maximum age: 55 years

Premium

Premiums under RPLI plans are low as compared to PLI plans, as these plans are specifically made for weaker sections of society.

Premium

Premiums under the PLI plans are slightly on the higher side because of their extensive coverage.

Renewability

RPLI policies can be renewed yearly.

Renewability

PLI policies can be renewed on a year to year basis.

Conclusion

The main difference between Rural Postal Life Insurance (RPLI) and Postal Life Insurance (PLI) is that RPLI can only be purchased by individuals belonging to the rural sector of the country, while PLI plans can be bought by all professionals, government officials, persons serving in the armed forces, and so on.

Secondly, although the coverage under both life plans is similar, the premium of Postal Life Insurance is marginally on the higher side due to the benefits offered by its extensive coverage.

Thirdly, another major difference between both RPLI and PLI plans is the sum assured options. Postal Life Insurance offers a wide range of sum assured options, as compared to RPLI plans to choose from. The sum assured options ranges between ₹10,000 up to ₹ 1,00,000 in Rural Postal Life Insurance, where as the sum assured option in Postal Life Insurance plans ranges from ₹ 20,000 up to ₹ 50,00,000.

Learn more about PLI and RPLI via their official website: https://www.indiapost.gov.in/Financial/Pages/Content/rpli.aspx

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Frequently Asked Questions

A bonus is declared every year under the Rural Postal Life Insurance and Postal Life Insurance plans.

You can pay the premiums of Rural Postal Life Insurance and Postal Life Insurance plans through any of their official apps, like Postinfo, the India Post Payments Bank Mobile Banking (IPPB) Application, or the India Post website. You can also make the payment by visiting any of the nearest India Post branches.

Yes, you can register a maximum of three individuals as nominees under both plans.

For Rural Postal Life Insurance plans: A medical examination is compulsory if the sum assured is more than ₹ 25,000 and the proposer’s age is more than 35 years.
For Postal Life Insurance plans: A medical examination is compulsory if the sum assured is more than ₹ 1,00,000 and the proposer’s age is more than 35 years

The customer care number for Rural Postal Life Insurance and Postal Life Insurance is 1800 266 6868.

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Max Life Insurance

What is Max life Insurance’s Ownership Structure?

Post author By parastar
Post date April 21, 2023

What is Max Life Insurance’s Ownership Structure?

Max Life Insurance is one of the prominent life insurance companies in India. The company has cemented its name in the insurance sector with excellent customer service and innovative insurance plans. However, behind the company’s impressive track record lies the driving force of its success; its three major promoters: Max Group, Axis Bank, and Mitsui Sumitomo Insurance Group.

In this article, we will talk about Max Life Insurance, its shareholding pattern, and promoters.

About Max Life Insurance

Max Life Insurance, previously known as Max New York Life Insurance, is a joint venture between Max Financial Services, Axis Bank, an Indian Banking Institution, and Mitsui Sumitomo Insurance Company Limited.
The company was incorporated on the 11th of July 2000 after the liberalization of the insurance industry in India. Since then, Max Life Insurance has sold more than 55 Lakh policies and has a customer base of more than 1 crore individuals.
Max Life Insurance is headquartered in New Delhi, with 250+ branches, and more than 50,000 employees working in India. Along with selling life insurance coverage, the company also sells various other plans like investment plans, health plans, and so on.

Shareholding Pattern of Max Life Insurance

As per the annual reports of FY 2022-2023:

Max Financial Service Limited holds an 81.84% stake in Max Life Insurance.
Mitsui Sumitomo Insurance Company Limited holds a 5.17% stake in Max Life Insurance.
Axis Bank and its two subsidiaries – Axis Securities Limited and Axis Capital Limited – compositely own a 12.99% stake in Max Life Insurance.
As per a leading news report, the banking institution intends to increase its stake in Max Life Insurance up to 7%, making it a 20% stakeholder in the insurance company.

Below given is this shareholding pattern Max Life Insurance as per the annual report for FY 2022-2023:

Shareholders	Holding % (as as of 30^th June 2022)
Max Financial Services Limited	81.84%
Axis Bank	12.99%
Mitsui Sumitomo Insurance Company Limited	5.17%
Total	100%

Now, let us tell you in a nutshell about the promoters of Max Life Insurance:

Max Financial Services Limited

Max Financial Services Limited is part of Max Group, a prominent Indian conglomerate and the majority parent holding company of Max Life Insurance. The company’s main objective is to provide long-term insurance solutions through its subsidiary Max Life Insurance. The company also offers financial solutions and wealth management services to its customers.

Axis Bank

Axis Bank is a leading private sector banking institution in India established in 1993. Headquartered in Mumbai, the bank provides a wide range of services to its customers such as home loans, corporate loans, insurance investments, portfolio management services, etc. As of 2022, Axis Bank has a network of 4500+ branches, 75,000+ employees, and 10,000+ ATM centers. Life Insurance Corporation of India (LIC), National Insurance Company Limited, and United India Insurance Company Ltd are among the major promoters of Axis Bank.

Mitsui Sumitomo Insurance Company Limited

Mitsui Sumitomo Insurance is a prominent insurance company headquartered in Tokyo, Japan. It is the subsidiary of MS & AD Insurance Group, one of the largest insurance institutions in the world.
The company offers a wide range of insurance products like marine insurance, aviation insurance, life insurance, health insurance, life insurance, and more.

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Postal Life Insurance

Make Online Payments using RPLI Online Payment App (Simple Guide)

Post author By parastar
Post date April 20, 2023

How to Make Online Payments using RPLI Online Payments App?

In today’s era of digitization, the demand for safe and convenient payment options has become crucial in the insurance business. As it provide convenience to policyholders to renew their insurance policy on time. India Post’s Postal Life Insurance, a prominent name in the insurance industry has launched many such apps for the convenience of its customers.

In this article, we will talk about the online payment applications introduced by Postal Life Insurance and the steps to make premium payments. They are:

Postinfo App by India Post
India Post Payments Bank Mobile Banking (IPPB) Application
India Post Official Website

Postinfo App by India Post

India Post introduced an online mobile application named Postinfo for its policyholders on the 11th of June 2015. This mobile application can be downloaded on both iOS and Android platforms.
This application provides customers with hassle-free access to multiple policy-related services such as grievance redressal, premium payment, policy monitoring, and more.

Steps to pay Rural Life Insurance Premium through Postinfo App

Now, let us guide you as to how you can make your Rural Life Insurance Policy premium through the Postinfo application:
Follow these simple steps to make the payment through the app:

Step 1: Download the official Postinfo application by India Post on your mobile phone.
Step 2: Once the application is downloaded select the “Insurance” option.
Step 3: Then click on the “Customer Login” tab.
Step 4: Enter the correct “Customer ID”, “Password” and then click on “Log in”
Step 5: Click on the “Payments” option and select the policy for which you want to make the payment.
Step 6: Verify the policy details, check the premium amount, and click on “Pay Now.”
Step 7: Choose your preferred payment gateway option and Select “Continue to Pay.” You can make the payment via a debit or credit card, UPI, net banking, PAYTM, etc.
Step 8: Click on ‘Proceed to Payment.’ Once the payment is successfully made, you will receive a confirmatory message on your registered mobile number.

What are the services offered on the Postinfo App?

Below given are a few services that can availed by customers through the application:

Premium Payments: As mentioned earlier, policyholders can make premium payments for their policies in a matter of minutes.
Services Request: This feature allows policyholders to place various policy-related requests through the application. The concerned department of India Post will process the request and take necessary action to solve the issue. Customers can submit requests such as address change, tracking of postal documents, grievance redressal, and so on.
Interest Calculator: This feature allows the policyholders to calculate the rate of interest they will receive on Recurring Deposits, Senior Citizens Savings Scheme, Sukanya Samriddhi Scheme, Public Provident Fund, and so on.
Post Office Search: This feature will allow the customer to locate the nearest postal office in their area or regional zone.
Postage Calculator: This feature allows the customers to calculate the postage charges for sending their posts, mail, and parcels, depending on the location of region, weight, and dimensions of the package. This feature will assist the customers in estimating the cost of postal services and help them plan their finances accordingly.

India Post Payments Bank Mobile Banking (IPPB) App

India Post Office has launched an online mobile banking application for its customers in 2022. This application was launched with the main objective that the policyholders pay their Post Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) premiums easily online.

Steps to make Rural Life Insurance payments through IPPB Mobile Banking App

Follow the simple steps to pay your premiums with IPPB Mobile App:

Step 1: Log into the India Post Payments Bank Mobile Application.
Step 2: Click on “Post Office Services” and then select on “Postal Life Insurance.”
Step 3: Then select the “Pay Premium” option.
Step 4: Enter the policy number and date of birth. Then click on “Continue.”
Step 5: Verify the policy details and premium amount and click on “Confirm”
Step 6: Enter your “MPIN” and make the premium payment online.
Policyholders can also make premium payments by visiting the official branch, counter, or ATM centers of India Post Payments Bank (IPPB.)

How to activate Post Office Mobile Banking?

In order to use the IPPB Mobile Banking Application, the customers will have to active internet and mobile bank for their savings account with the post office.
Follow these simple steps to activate your online mobile banking with India Post:

Step 1: Visit the nearest Post Office branch.
Step 2: Request for the Internet and Mobile banking form.
Step 3: Enter all the requested details and submit the form.
Step 4: Your internet and mobile banking will be activated shortly.
Step 5: Once you have completed the above formality. Download the official IPPB Mobile Banking App on your phone.
Step 6: Enter your CIF ID under the username section, date of birth, mobile number, and CIF ID again. Then click on “Activate.”
Step 7: You will receive a four-digit OTP on your mobile number. Enter the OTP and click on “Activate.”
Step 8: The final step would be to enter a new “MPIN” and click on “Submit.”

India Post Official Website

You can also make your Rural Life Insurance premium payments by visiting the official website of India Post. Follow these simple steps to make your premium payment online:

Step 1: Go to the official website of India Post i.e www.indiapost.gov.in.
Step 2: Select the “Postal Life Insurance” section.
Step 3: Click on “OK” as you will be redirected to an external page of India Post.
Step 4: Click on Rural Postal Life Insurance (RPLI)
Step 5: Click on “Pay Postal Life Insurance Premium.” Enter all the details and make the premium payment online.

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Frequently asked questions

Yes, Postal Life Insurance applications are safe to make online payments.

You can pay the premium of your Rural Life Insurance through any of the official applications of the insurer such as the Postinfo App, IPPB Mobile App, or by visiting the official website of India Post.