What is PLI Incentive? Types of PLI Incentives
The Postal Directorate has issued an order on PLI/RPLI incentive Structure on 25.06.2021. As per this order, PLI incentive structures are categorized into two types. These are as under-- Procurement Incentive on PLI
- Renewal Incentive on PLI

Procurement PLI Incentive Structure
PLI Incentive on WLA, CWLA, EA, Children Policy and Yugal Suraksha |
|
Up to equal to 15 years |
4% of first-year premium |
More than 15 years but less than or equal to 25 years |
10% of first-year premium |
More than 25 years |
20% of first-year premium |
PLI Incentive on Anticipated Endowment Assurance Policy |
|
Less than or equal to 15 years |
5% of first-year premium |
With term beyond 15 years |
7% of first-year premium |
Renewal PLI Incentive Structure
Renewal PLI Incentive on those PLI policies that procured between
01.10.2009 to 31.03.2017 |
|
Departmental Employees |
Nil |
Field Officer |
2% of renewal premium |
Direct Agent |
2% of renewal premium |
Gramin Dak Sevaks |
Nil |
Renewal PLI Incentive on those PLI policies that procured between 01.04.2017 to 30.06.2020 |
|
Departmental Employees |
Nil |
Field Officer |
2% of renewal premium |
Direct Agent |
2% of renewal premium |
Gramin Dak Sevaks |
Nil |
Renewal PLI Incentive on those PLI policies that procured on or after
01.07.2020 |
|
Departmental Employees |
Nil |
Field Officer |
1% of renewal premium |
Direct Agent |
1% of renewal premium |
Gramin Dak Sevak |
Nil |
New PLI Incentive Structure
Procurement incentive
- Premium paying term- up to and equal to 15 years- 4% of first-year premium income
- Premium paying term- more than 15 years but less than or equal to 25 years- 10% of first-year premium income
- Premium paying term- more than 25 years- 20% of first-year premium income
- Premium paying term- less than or equal to 15- 5% of first-year premium income
- Premium paying term- more than beyond 15 years- 7% of first-year premium income
Procurement incentive rate for PLI policy for Development Officer (DO PLI)
Renewal PLI incentive
New RPLI Incentive Structure
Procurement incentive on RPLI
Renewal incentive on RPLI
PLI/RPLI Incentive on online /cash/pay policies
FAQs
Question 01. Can sales force of PLI RPLI procure insurance business from outside their parent Postal Division?
Answer-(i) The sale force of PLI RPLI may procure PLI RPLI business from anywhere in a Postal Circle.
(ii) In such cases, PLI RPLI policy will be indexed at the HO CPC nearest to the address/place of residence of the insurant.
(iii) No TA/DA will be payable to the sale force of PLI RPLI for procuring PLI RPLI business.
Question 02. Is Sorting Assistant/AAO/PACO Cadre eligible to procure PLI RPLI business?
Answer-Yes, all categories of Departmental employees drawing salary up to the level-8 (as per 7th CPC) including MTS, postman, PA, SA, PACO, IP, AAP, ASP, etc. are eligible to procure PLI RPLI business.
Today I discussed on PLI incentive Structure. How much post office employee gets PLI incentive? you can know after reading this post.
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