Endowment Plan (Table-03)

State Life's classic plan: save regularly, get life cover from day one, and receive the sum assured plus bonuses at maturity or earlier on death.

✓Sum assured plus bonuses at maturity
✓Full sum assured plus bonuses paid on earlier death
✓Flexible terms from 10 to 55 years

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Who it’s for

Is this plan for you?

You want a disciplined way to save with protection built in.
You prefer a simple, well-understood plan trusted for decades.
You want life cover without a separate policy.

₨Maturity benefitSum assured plus accrued bonuses at the end of the term.

⌂Death benefitSum assured plus bonuses paid to your family if you pass away during the term.

↔Flexible termChoose a term of 10 to 55 years to match your goal.

✓Government-backedSum assured and declared bonuses guaranteed by the Government of Pakistan.

Plan facts

Plan type: Participating endowment (savings + protection)
Entry age: 10 – 65 years
Policy term: 10 – 55 years (maximum maturity age 75)
Maturity benefit: Sum assured + bonuses
Death benefit: Sum assured + bonuses
Bonus participation: Yes — guaranteed by Government of Pakistan

Optional add-on riders: Accidental Death Benefit (ADB), Term Insurance Rider (TIR), Accidental Indemnity Benefit (AIB), Family Income Benefit (FIB), Waiver of Premium (WP), Special Waiver of Premium, Guaranteed Insurability, Hospital & Surgical, Refund of Premium Rider.

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

Age30 yrs

MonthlyRs. [X]

Term20 yrs

A 30-year-old paying approximately Rs. [X] per month for 20 years could receive the sum assured plus accrued bonuses at maturity — indicative only.

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

It combines savings with life cover: your family receives the full sum assured plus bonuses even if you pass away early in the term.

State Life distributes 97.5% of its surplus as bonuses to with-profit policies each year. Declared bonuses are guaranteed by the Government of Pakistan; future bonus rates are not.

Yes — yearly, half-yearly, quarterly and monthly modes are available.

A surrender value is available after two years; a loan facility is also available.

Endowment Plan (Table-03)

Is this plan for you?

Plan facts

Example illustration

Questions about this plan

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