🔔Clarifications on PLI/RPLI Promotional & Incentive Structure - Directorate PLI 📁F.No: 28-03/2019-LI 🗓️ dated: 28.07.2025

📍 Directorate of Postal Life Insurance (PLI) Chanakyapuri, New Delhi
🗓️ Dated: 28.07.2025📁 F.No: 28-03/2019-LI

🔔 Subject: Clarifications on PLI/RPLI Promotional & Incentive Structure

In reference to Kerala Circle’s letter dated 25.06.2025, the following clarifications are issued regarding renewal incentives for DEs/GDSs post superannuation/discharge:

📌 Key Points:

1️⃣ Eligibility for Renewal Incentive after Discharge:

DEs/GDSs will only be eligible for renewal incentives if they:

✅ Enroll as Field Officers (FO) within 3 months of superannuation/discharge.

• Incentives will remain on hold until enrollment.
• Upon timely enrollment, held incentives will be released.

2️⃣ Termination of Agent ID:

• If an agent fails to enroll as an FO within 3 months, their Agent ID will be terminated automatically.

3️⃣ Forfeiture of Incentive:

• Agents who do not enroll within the 3-month window will permanently lose entitlement to renewal incentives.

F.No : 28-03/2019-L1

Dated:28.07.2025

To,
Deputy Divisional Manager(PLI)
O/O The Chief Postmaster General
Kerala Circle-695033

Sub : Changes in Promotional and Incentive Structure of PLI/RPLI-regarding.

2. In connection with your letter No. L1/4-8/2024 Thiruvananthapuram-33 dated 25.06.2025, the pointwise clarification is tabulated below:

St. No.	Issue	Para (vi) of PLI Directorate OM No. 28-03/2019-L1 (1) dated 19.03.2025	Clarification
(i)	Whether the DE/GDS will be eligible for renewal incentive for three months after discharge or superannuation, regardless of whether they get enrolled as a Field Officer during that period.	Incentive after discharge to DE/GDS: DE/GDS will continue to earn renewal incentive even after the superannuation / discharge from service till the renewal premia on the policies procured while in service, is received provided he/she enrolls himself/herself as Field Officer within three months of superannuation / discharge from service.	DE/GDS will have to send themselves as Field Officer within three months after superannuation / discharge then only they will be eligible and continue to earn renewal incentive on the policies procured while in service. The incentive for the period from the date of superannuation / discharge will be kept on hold till expiry of three months period or till the time the superannuated/ discharged DE/GDS enrolls as FO, whichever is earlier.
(ii)	Can the termination of the agent ID for a DE/DGS, who has been discharged from service, be initiated only after the prescribed three-months period, even if the agent is unwilling to get enrolled as a Field Officer?	If, the agent not enrolled within the prescribed period of three months after superannuation / discharge, the agent ID will be terminated after three months.
(iii)	Whether the entitlement to the renewal incentive will get permanently forfeited in cases where the DE/GDS fails to enrol as a Field Officer within the prescribed time limit of three months on superannuation/discharge, even if renewal premiums for policies procured by them during service continue to be received?	In case the superannuated / discharged DE/GDS fails to enrol as FO within three months after superannuation/ discharge, the incentive for the period after superannuation/ discharge will be forfeited.

3. This issues with approval of the competent authority.