Enhanced growth

Golden Endowment Plan (Table-81)

A with-profits endowment with a short payment window: premiums are payable for the first 7 years only, while life cover and bonus participation continue for the full 20-year term.

✓Premiums payable for the first 7 years only
✓20 years of life cover and bonus participation
✓Sum assured plus all accrued bonuses at maturity

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Who it’s for

Is this plan for you?

You want a long-term savings outcome without a 20-year premium commitment.
You can commit a higher premium now, while your income is strong.
You want protection and growth in one government-backed plan.

7Short premium termPay for seven years, then no further premiums are due.

20Two decades of coverLife cover and bonus participation run for the full 20-year term.

₨Maturity benefitBasic sum assured plus all accrued bonuses at the end of year 20.

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

Plan facts

Plan type: Limited-premium participating endowment
Entry age: 20 – 55 years
Policy term: 20 years
Premium term: 7 years
Maturity benefit: Sum assured + accrued bonuses
Death benefit: Sum assured + accrued bonuses
Bonus participation: Yes — 97.5% of surplus distributed; declared bonuses guaranteed by Government of Pakistan

Optional add-on riders: Accidental Death Benefit (ADB) and Term Insurance Rider (TIR).

Loan facility: Up to 80% of the net surrender value once the third premium has been paid; interest applies.

Surrender: Available after two consecutive 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

Age35 yrs

MonthlyRs. [X]

Term20 yrs

A 35-year-old paying approximately Rs. [X] per month for the first 7 years would stay covered for 20 years and receive the sum assured plus accrued bonuses at maturity — indicative only; your advisor will confirm.

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

The payment window. Premiums are payable for only the first 7 years, while cover and bonus participation continue for 20 years; the standard Endowment is paid throughout its term.

Yes — the Takaful Golden Endowment Plan is the Shariah-compliant counterpart.

Depends on age and sum assured; we will confirm in your illustration.

Declared bonuses are guaranteed by the Government of Pakistan; future bonus rates are not.

Golden Endowment Plan (Table-81)

Is this plan for you?

Plan facts

Example illustration

Questions about this plan

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