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Savings for children

Child Education & Marriage Plan (Table-76)

A savings plan that pays out at a chosen future date — your child's university or wedding — whether or not you are there to see it.

  • ✓Lump sum at the date you choose for education or marriage
  • ✓Plan continues for your child even if you pass away
  • ✓Bonuses added to your savings, guaranteed by Government of Pakistan
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Plan: Child Education & Marriage Planchange

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Who it’s for

Is this plan for you?

  • You have a child under 12 and want university fees ready when they turn 18.
  • You want a wedding fund built gradually, without loans later.
  • You want the plan to complete for your child even if something happens to you.
🎓Milestone payoutSum assured plus bonuses paid at the chosen maturity date.
⌂Continues without youOn the parent's death, premiums stop but the benefit is still paid at maturity.
₨Flexible termChoose a term that ends when your child reaches the milestone.
✓Government-backedSum assured and declared bonuses guaranteed by the Government of Pakistan.

Plan facts

Plan type
Child savings (education / marriage) endowment
Entry age (parent)
20 – 60 years
Child's age at entry
1 – 15 years
Policy term
10 – 24 years (maximum maturity age 70)
Maturity benefit
Sum assured + accrued bonuses — lump sum or five equal annual instalments
Death benefit
Future premiums waived; maturity paid as planned
Bonus participation
Yes — guaranteed by Government of Pakistan
Optional add-on riders: On the parent: Accidental Death Benefit (ADB), Term Insurance Rider (TIR), Accidental Indemnity Benefit (AIB), Family Income Benefit (FIB), Waiver of Premium (WP). No rider is available on the child's life.
Loan facility: Up to 80% of the net surrender value once the third premium has been paid.
Surrender: Available after two full years' premiums have been paid.
Free-look period: 14 days from receipt of the policy document to review and, if you wish, return it for a refund of premium (subject to State Life terms).
Read the full official product page on statelife.com.pk

Example illustration

SAMPLE — AGENCY TO SUPPLY FIGURES
Age32 yrs
MonthlyRs. [X]
Term15 yrs

A 32-year-old parent saving approximately Rs. [X] per month for 15 years could have a lump sum ready as their child turns 18 — indicative only; your advisor will confirm exact figures.

Indicative and for illustration only. Past performance is not a guide to future performance. Your advisor will provide a personalised illustration; full terms are in the policy document.

How the yearly profit adds up — worked example at 2025 rates
Want exact figures for your age and budget?
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Questions about this plan

Yes — the term is set so the maturity date matches your child's planned education or marriage age.

Remaining premiums are waived and the maturity benefit is still paid to your child as planned.

Usually one plan per child works best; your advisor can structure it for your family.

Sum assured and declared bonuses are guaranteed by the Government of Pakistan; projected future bonuses are not.

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