Shariah-compliant

Takaful Golden Endowment Plan

The Shariah-compliant counterpart of the Golden Endowment: contributions are payable for the first 7 years only, with 20 years of Takaful cover and participation in declared bonuses through the Participant Takaful Endowment Fund.

✓Contributions for the first 7 years only
✓20 years of Shariah-compliant cover — no interest (riba)
✓Sum covered plus declared bonuses and investment fund value at maturity

WhatsApp about this plan Call 0340-8988872

Who it’s for

Is this plan for you?

You want your savings and protection to be halal.
You want the enhanced benefits of Golden Endowment in a Takaful structure.
You want a government-backed Shariah-compliant plan.

☪Shariah-compliantContributions pooled with other participants and invested only in Shariah-compliant instruments — no riba.

↑Maturity benefitSum covered plus declared bonuses, plus the value of your Participant Investment Fund.

⌂Family protectionSum covered paid to your family on death during the term.

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

Plan facts

Plan type: Bonus-based, unit-linked family Takaful endowment
Entry age: 1 – 60 years (maximum maturity age 70)
Membership term: 20 years
Contribution term: 7 years
Minimum contribution: Rs. 65,000 per year
Maturity benefit: Sum covered + declared bonuses + investment fund value
Death benefit: Sum covered + declared bonuses + investment fund value
Shariah oversight: State Life Window Takaful Shariah Advisor

Optional add-on riders: Term Takaful Rider (TTR); Accidental Death Benefit (ADB) up to entry age 50, ending at age 60. Optional 6% annual indexation of contributions and lump-sum fund acceleration contributions.

Loan facility: Shariah-compliant facility against cash value, subject to terms.

Surrender: Cash value available after two full years' contributions.

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 contributing approximately Rs. [X] per year for the first 7 years could stay covered for 20 years and receive the sum covered plus declared 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

Participants contribute to a shared Takaful fund that pays claims — mutual cooperation with no interest, invested only in Shariah-compliant instruments under Shariah supervision.

State Life Window Takaful operations are supervised by a Shariah Supervisory Board.

Yes — sum covered and declared bonuses are guaranteed by the Government of Pakistan.

Ask your advisor; new membership is usually the simplest route.

Takaful Golden Endowment Plan

Is this plan for you?

Plan facts

Example illustration

Questions about this plan

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