PLI Joint Life Assurance (Yugal Suraksha) Calculator

PLI Joint Life Assurance (Yugal Suraksha) Calculator

Dual life coverage with combined protection for couples

Postal Life Insurance
Joint Life Assurance (Yugal Suraksha) Calculator

Calculate premium and maturity benefits for joint life coverage designed specially for married couples.

Yugal Suraksha covers two lives in one policy – perfect for married couples ensuring financial security for the family with higher premium but dual protection.

๐Ÿ‘ซ Special Features: Joint Life Coverage

  • Two Lives Covered: Both husband and wife insured under single policy
  • Higher Premium: 25% higher than regular endowment (covers 2 lives)
  • Death Benefit: Payable to survivor on first death
  • Maturity Benefit: If both survive, maturity paid to both
  • Age Restriction: Both lives must be between 21-45 years
  • Maximum Term: 5-20 years policy term
  • Bonus Accumulation: โ‚น52 per โ‚น1000 per year

๐Ÿ’‘ How Dual Life Coverage Works:

During Policy Term: If either person dies, nominee receives Sum Assured + Accumulated Bonus immediately. Policy terminates after first death.

At Maturity: If both survive till maturity, both receive Sum Assured + Full Bonus together.

Premium: Single premium covers both lives – more economical than two separate policies.

๐Ÿ“Œ Note: This is a joint life policy for married couples only. Both lives must meet age criteria (20-50 years). Premium is higher than individual policy but cheaper than two separate policies combined.
โœ“ CURRENTLY CALCULATING FOR:
PLI Joint Life Assurance (Yugal Suraksha)

๐Ÿ‘ค Person 1 (Husband)

๐Ÿ‘ค Person 2 (Wife)

50 years
26 years 65 years
โ‚น2,00,000
โ‚น50,000 โ‚น50,00,000

๐Ÿ‘ซ Joint Life Coverage Details

๐Ÿ‘ค
Person 1 Age
๐Ÿ‘ค
Person 2 Age
๐ŸŽฏ
Policy Term
๐Ÿ’ฐ
Maturity Amount
โ‚น0
Combined Age
Joint Premium
Total Investment
Maturity Benefit
Premium & Benefits Calculation Details
Policy Name PLI Joint Life Assurance (Yugal Suraksha)
Person 1 Age (on next birthday)
Person 2 Age (on next birthday)
Older Person’s Age
Maturity Age
Policy Term
Sum Assured (Combined)
Premium Frequency
Premium per Payment
Annual Premium
Total Premium Paid
Extra Premium vs Single Policy
Bonus Rate โ‚น52 per โ‚น1,000 per year
Total Bonus Accumulated
Maturity Amount (If Both Survive)
Death Benefit (On First Death) Same as maturity
Financial Comparison
โ‚น0
Total Premium Paid
โ‚น0
Bonus Earned
โ‚น0
Maturity Amount
Year-wise Premium & Bonus Accumulation
Year Person 1 Age Person 2 Age Annual Premium Premium Paid Bonus Total Value
Key Benefits of Yugal Suraksha
๐Ÿ‘ซ

Dual Life Coverage

Both husband and wife covered under single policy with combined protection

๐Ÿ’ฐ

Cost Effective

Cheaper than buying two separate policies – save on administrative costs

๐Ÿ›ก๏ธ

Death Benefit

Sum assured + bonus payable immediately on first death of either life

๐ŸŽฏ

Maturity Benefit

If both survive, full maturity amount paid to both lives together

๐Ÿ“ˆ

Guaranteed Bonus

Bonus accumulates at โ‚น52 per โ‚น1000 annually throughout policy term

๐Ÿ’ณ

Loan Facility

Avail loan against policy after 3 years for emergency needs

โš ๏ธ Important Disclaimer This calculator provides indicative premium and benefit values for PLI Joint Life Assurance (Yugal Suraksha). Actual values may vary based on:
  • Official premium tables published by Department of Posts
  • Annual bonus declarations by the government
  • Both lives’ health conditions and medical examination
  • Marriage certificate and relationship proof required
  • Policy-specific terms and conditions
Important: This policy covers two lives. Death benefit is payable on first death. Policy terminates after first death payment. Both lives must be between 20-50 years at entry. For accurate details, visit your nearest Head Post Office.

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