Hindi : PLI/RPLI Guide - AI Mode - IP/PA/SA/MTS/GDS DOP Examination

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https://drive.google.com/file/d/1tdN6... PLI & RPLI Masterclass: GDS to PA/MTS/Postman Exam Special Postal Life Insurance Rules & "Boss Points" Explained (Exam Specific)

*Score Full Marks in PLI/RPLI Questions: Complete Guide for Dept Exams*

*Description:* Welcome to this comprehensive guide on Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI), specifically designed for Gramin Dak Sevaks (GDS) preparing for the PA, MTS, and Postman departmental examinations. In this video, I break down the complex rules, policy types, and "Boss Points" you need to remember to crack the insurance section of your exam. We cover everything from eligibility and loan rules to lapse conditions and suicide clauses. *📌 What’s Covered in This Video:* *1. PLI vs. RPLI Basics:*

History: PLI (since 1884) vs. RPLI (since 1995).

Eligibility: Who can buy PLI (Govt/Semi-Govt/Professionals/NSE/BSE employees) vs. RPLI.

Policy Limits: Max Sum Assured for PLI (₹50 Lakh) vs. RPLI (₹10 Lakh).

*2. Policy Types (The 6 Pillars):*

*Suraksha (WLA):* Maturity at 80 years.

*Suvidha (CWLA):* Convertible to Endowment after 5 years.

*Santosh (EA):* The most popular policy.

*Sumangal (AEA):* Money back policy with periodic returns.

*Yugal Suraksha (Joint Life):* Covers spouse too; 5-20 year term.

*Bal Jeevan Beema (Children):* For up to 2 children; no premium after parent's death. *3. Crucial Exam Rules ("Boss Points"):*

*Lapsing:*
Policy 3 years: Lapses after 6 unpaid premiums.

Policy 3 years: Lapses after 12 unpaid premiums.

*Loans:* Available after 3 years for EA/Yugal Suraksha and 4 years for WLA.

*Suicide Clause:* What happens if suicide occurs within 1 year vs. after 1 year.

*Medical Limits:* Non-medical limits for PLI (₹5L) and RPLI (₹1L).

*Advance Premium Rebates:* How much discount for 6 months vs. 12 months payment. *4. Important Dates & Numbers:*

*24.03.1995:* Launch date of RPLI.

*Age Limits:* Minimum and maximum age entry for different policies.

*Free Look Period:* 15 days to cancel. *💡 Why This Video is Important:* PLI/RPLI questions are a scoring part of the Paper-II syllabus. This video consolidates all the "Boss Points" and circulars into one easy lecture so you don't have to read through hundreds of pages.