Earn yearly profit on your savings with government-guaranteed State Life plans — invest before December 2026 for the full 2026 profit
What are you saving for?
- Retire earlyPick your own maturity date
- Pay 7, profit 20Golden Endowment
- Short commitmentPay 3 years, covered 10
- Halal profitShariah-compliant Takaful
- Child's futureEducation & marriage fund
- Family incomeCash back + 10-yr income
- Compare all plansSide-by-side table
- How profit worksWorked example, 2025 rates
Our plans
Plans that pay you profit every year
Seven government-guaranteed State Life plans — from 3-year and 7-year profit builders to early-retirement and family plans. Invest before 31 December 2026 to earn the full 2026 profit.
Your money should be making money
Profit declared every year. Locked in the moment it’s declared.
Every year State Life declares a profit (bonus) on every Rs. 1,000 of your sum assured. It is added to your policy and paid out with the sum assured — and once declared, it can never be taken away. The earlier you start, the more years of profit you collect.
Deadline: 31 December 2026- Invest before 31 December 2026 and earn the full 2026 profit on your plan.
- Retire early: set your maturity date to 50, 55 or 60 and take everything as one lump sum.
- Short commitments: pay for 7 years and profit for 20, or pay for 3 and profit for 10.
Figures published by State Life Insurance Corporation of Pakistan. Sum assured and declared bonuses are guaranteed by the Government of Pakistan. Terms apply.
- 97.5%of profit shared with youState Life hands 97.5% of its surplus to with-profit policyholders every year.
- PKR 181Bprofit paid for 2025Declared to policyholders in the latest bonus announcement — the largest in Pakistan.
- 7 / 20years paid / years of profitGolden Endowment: premiums stop after year 7, profit keeps coming until year 20.
- 100%government guaranteedSum assured and every declared profit are guaranteed by the Government of Pakistan.
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Guaranteed by
Government of Pakistan
How it works
We handle everything — you just tell us your goal
- 1Tell us your goalUse our Plan Finder or request a quote for a specific plan.
- 2Free consultationAn authorized advisor calls you to explain options in plain English or Urdu.
- 3Personalised illustrationWe send you a custom breakdown of premiums and benefits for your age.
- 4Policy issuedWe handle the paperwork. You pay State Life directly, and your policy is issued.
Profit-earning plans
See all 7 plans Start earning profit this year
Savings & WealthGolden Endowment Plan (Table-81)Pay premiums for 7 years, stay covered for 20 — with full bonus participation throughout.
Savings & WealthPlatinum PlusPay for 3 years, stay covered for 10 — for high-value savers and investors.
Savings & WealthEndowment Plan (Table-03)The most popular, time-tested State Life savings plan — savings plus life cover in one.
TakafulTakaful Golden Endowment PlanContribute for 7 years, covered for 20 — the Shariah-compliant Golden Endowment.
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