Government of India
Ministry of Communications, Department of Posts
DIRECTORATE OF POSTAL LIFE INSURANCE
Chanakyapuri Post Office Complex, Chanakyapuri, New Delhi-110021

No: 28-06/ 2014-LI (Pt-I)

Dated: 15.09.2023

To
The Secretary General
National Federation of Postal Employees
1st floor, North Avenue Posta Office Building
New Delhu -110001

Subject: Promotional, Incentive and Monitoring Structure of PLI/RPLI -clarification thereof-reg

Reference No: Your Union Letter No. PF/NFPE/ PLI- RPLI dated 20.07.2023

Kindly refer to your Union letter dated 20.07.2023 regarding promotional incentive and monitoring structure of PLI/RPLI.

2. In this connection, it is intimated that CPC staff / account office staff works exclusively for PLI/ RPLI which includes scrutinising applications, data entry, quality check and approval. This is their core work. Further, salary to CPC staff is ultimately paid by PLI/RPLI in the form of ‘Recoveries’. On the other hand, the monitoring staff i.e. Divisional Heads, SDIs and ASP (HQ) have other core functions in day-to-day administration of Division/Sub-Division. Incentive to Divisional Heads, SDIs and ASP (HQ) is granted for the additional efforts of monitoring and motivating sales force under their jurisdiction in order to procure more PLI and RPLI business.

3. It is further intimated that incentive to GDS/ DE is paid till the date of discharge/ superannuation. They may register themselves as Field Officer and earn procurement and renewal incentive on PLI and RPLI polices afresh.

4. This issues with approval of the competent authority,

Assistant Director (PLI)

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Chanakyapuri P.O. Complex, New Delhi-110021
Dated : 19.06.2020

To,

1. All Heads of Circles
2. Addl DG APS
3. Director, RAKNPA/GM, CEPT
4. All Regional PMsG
5. All Directors PTCs

Office Memorandum

Subject: New Promotional and Incentive Structure of PLI / RPLI

The promotional (sales) structure and incentive structure of PLI/RPLI was last revised in August 2016 & April 2017 respectively. However, most of Circles had raised concerns in the implementation of the revised promotional structure.

2. In view of the concerns raised by Circles in implementing the promotional structure, low growth in procurement of new PLI/ RPIA business and decreasing trend in net accretion of PLI/ RPLI premia, the existing sales structure of PLI/ RPLI has been revamped based on the feedback received from the Circles.

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3. The new promotional and incentive structure of PLI/ RPLI is enclosed as Annexure-I to Annexure-VI.

4. The new promotional and incentive structure of PLI/ RPLI will be effective from 01.07.2020.

(L.N. Sharma)
Chief General Manager (PLI)

Annexure-I

New Promotional (Sales) Structure of PLI/ RPLI

Salient features of new promotional structure:

1. The post of Group Leader has been rechristened as Development Officer.
2. Each Postal Division will have one Development Officer. The responsibility of these Development Officers will be to take the charge of their Postal Division for development of PLI /RPLI business. Their responsibilities include marketing of PLI /RPLI business, meeting prospective clients, training and nurturing of Direct Agents in the Division and procuring PLI/ RPLI business through Direct Agents.
3. Sales force of PLI and RPLI comprise of Direct Agents, Gramin Dak Sevaks, Field Officers and Departmental Employees.
4. For procuring PLI /RPLI business, Departmental employees will also include Inspector of Posts (IP) and Assistant Superintendent of Post Offices (ASP).
5. Sales force of PLI/ RPLI can procure business from anywhere in the Postal Division. However, in exceptional circumstances, the sales force can procure PLI /RPLI business from outside the Postal Division with the permission of concerned ADM/ DDM (PLI) at Regional/ Circle Office level. In such cases, the PLI/RPLI policy will be indexed at the CPC where the insurant resides.

Annexure-II

Selection and duties of Development Officer

1. Every Postal Division will have one post of Development Officer, who will perform exclusively and only PLI/RPLI related work.
2. The existing post of Group Leader will be re-designated as Development Officer.
3. Presently, there are 185 sanctioned posts of Development Officers in Circles. The remaining posts of Development Officers in a Circle will be manned by diversion of the existing posts of PA Circle Office Cadre meant for PLI related work to Postal Divisions, failing which one of the posts of PA cadre in the sanctioned strength of the Postal Division will be earmarked for Development Officer. In the case of post of Development Officer being earmarked from the sanctioned strength of the Postal Division, their salary and other related costs will be borne from PLI/ RPLI fund.
4. The Development Officer will be a part of the Divisional Office. DO will report to the Divisional Head and will assist Divisional Head in achievement of business targets and after sales related issues of PLI /RPLI.
5. APAR of DO will be written by the Divisional Head. Leave and TA / DA of DO will be sanctioned by the Divisional Heads.

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For the Rural populace of India the Department of Posts has an insurance scheme called Rural Postal Life Insurance (RPLI). Giving this information in written reply to a question in the Rajya Sabha today, Shri Kapil Sibal, Minister of Communications and Information Technology, said that following steps have been taken to promote and popularize postal life insurance policy in the rural areas:

(i) Rural PLI processing work has been decentralized to Divisional level:-  Bringing decision making closer to the common man thereby expediting sanction of loans, revival of lapsed policies and  maturity claims.  This allows contingent needs of the people to be met easily.

(ii) Facilitating payment of premia through Post Offices anywhere in the country regardless of where the policy was issued without any transfer of policy being required.

(iii) Facility for payment of premium online through www.epostoffice.gov.in.

(iv) Opportunity to work as Rural PLI Agent:-  Providing common man, especially  Aanganwadi workers, un-employed youth, Self Help Groups, etc. with additional source of income by engaging them as Direct Agents under Rural Postal Life Insurance Scheme. Incentive structure for RPLI business has been made attractive i.e. 10% of premium in the first year and subsequently 2.5% of premium income till policy lasts.

(v) Higher Sum Assured:-  For providing opportunity for financial security in line with increasing requirements of the people, the maximum sum assured limit has been raised  for RPLI from Rs. 3 lacs to Rs. 5 lacs.

(vi) A Toll free number (18001805232/ 155232) has been operationalized and publicized for inquiries and grievance settlement. People from anywhere in the country can call and get their problems settled.

(vii) Training to Rural PLI marketing staff i.e. GDS staff, Direct Agents and Departmental employees is being imparted to improve their marketing skills.

(viii) Facility of Payment of outstanding premia of policy on installments basis.

(ix) Technology/IT initiative:-  The technological initiatives being undertaken for Rural Postal Life Insurance are :
(a) Development of Centralized software for improved after sales service for all RPLI customers.
(b) Development of Web and mobile portal for customers to allow seamless issue of insurance policies and making online payments under Financial Services Integration plan of the Department.
(c) Call centre for handling customer services.
(d) Real time updating of premium payments.
(e) Centralized monitoring of grievances.
(f) Setting up of 809 Central Processing Centres (CPCs) at all Head Post Offices in the country for providing single window for handling of insurance proposals, service requests and claims for RPLI customers.

Source: PIB News

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