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Insurance Plan : Invest in this post office insurance plan, you will get a bonus of ₹ 24 lakh on maturity

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Insurance Plan : Invest in this post office insurance plan, you will get a bonus of ₹ 24 lakh on maturity

In the rural areas of the country, the trend of buying or investing in an insurance policy is much less as compared to the cities. Keeping this in mind, the Rural Postal Life Insurance Plan was started by the post office. The person investing in its whole life insurance plan gets insurance cover till the age of 80 years.

New Delhi. Apart from postal services, the post office also provides many facilities. The post office insurance policy is considered very reliable. There is no risk to your money by investing in the post office. This is a good option to invest for long term. In this, your money is safe and you also get guaranteed returns.

In the rural areas of the country, the trend of buying or investing in an insurance policy is much less as compared to the cities. Keeping this in mind, the Rural Postal Life Insurance Plan was started by the post office. This scheme was started with the aim of connecting the people of rural areas with the insurance policy.

Benefits of this post office scheme

Rural Postal Life Insurance Scheme was launched by the Post Office on 24 March 1995. At that time 6 plans were launched under it. The person investing in its whole life insurance plan gets insurance cover till the age of 80 years. It is also known as village security. If the person dies till this age, then his nominee gets the sum assured. On the other hand, if the person taking the insurance lives more than this age, then he gets the benefit of maturity.

What are the investment limits?

The minimum limit of sum assured in the Rural Postal Life Insurance Plan of the post office is Rs 10,000 and the maximum limit is Rs 10 lakh. You can take a loan under it after 4 years of starting investment in it. You can withdraw the investment even before the maturity of this plan. You can surrender the policy after about three years of taking the policy. But if you surrender the policy before 5 years, you do not get the benefits of bonus. To invest in this post office plan, your minimum age should be 19 years and maximum 55 years.

How much premium has to be paid?

If you can start investing in this post office plan from the age of 19. If you choose a plan with maturity of 50 years, then you will have to pay Rs 1666 + GST ​​as premium every month. Whereas for 55 years, you will have to pay a premium of Rs 1515 every month, Rs 1436 for 58 years and Rs 1388 every month for maturity plan of 60 years, while for maturity of 60 years you have to pay a premium of Rs 1388 every month. .

Rs 60 bonus will be available on Rs 1000.

Recently the post office is offering a bonus of Rs 60 on every Rs 1000 sum assured as annual bonus on this plan. According to this, you will get 60 thousand as annual bonus on the sum assured of 10 lakhs. If you choose this 60-year maturity plan at the age of 20, then you will get a bonus of Rs 60,000 per year for 40 years. Which is around 24 lakh rupees. In this case, at the time of maturity, you will get a total of Rs 34 lakh including bonus of Rs 24 lakh and sum assured of Rs 10 lakh.

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