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Anticipated endowment

Family Pension Plan (Table-12)

An anticipated endowment plan that pays you back 25% of the sum assured twice during the term, and guarantees your family a 10-year income if you pass away.

  • ✓Withdraw 25% of sum assured at ⅓ and ⅔ of the term
  • ✓Guaranteed 10-year income benefit to your family on death
  • ✓Extra income depending on number of children
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Plan: Family Pension Planchange

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Who it’s for

Is this plan for you?

  • You are the main earner and want your family's monthly expenses covered if you're gone.
  • You like the idea of getting some money back during the plan, not only at the end.
  • You have young children and want extra support tied to their number.
₨Survival benefit25% of sum assured paid at one-third and two-thirds of the policy term.
⌂Family incomeOn death, a guaranteed income is paid to your family for 10 years.
+Children's supplementSupplementary income depending on the number of children.
✓Maturity benefitRemaining sum assured plus accrued bonuses at the end of the term.

Plan facts

Plan type
Anticipated endowment with family income benefit
Entry age
20 – 52 years
Policy term
18 or 21 years
Medical exam
Not required under State Life's non-medical scheme
Maturity benefit
Remaining sum assured + bonuses
Death benefit
10-year guaranteed income + supplementary child income
Bonus participation
Yes — sum assured and declared bonuses 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 — subject to eligibility.
Loan facility: Up to 80% of the net surrender value once the third premium has been paid.
Surrender: Surrender value becomes 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 two cash payments during the term and a guaranteed 10-year family income on death — exact figures depend on sum assured and declared bonuses.

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

At one-third and two-thirds of your policy term — for a 21-year plan, that is year 7 and year 14.

The family income benefit is defined separately; your advisor will show exactly how each payout interacts in your illustration.

After two years of premiums the policy has a surrender value, and paid-up or loan options may apply.

Please consult a tax advisor; we will explain State Life's payout process in your consultation.

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