Shariah-compliant

Takaful Platinum Plus Plan

The Shariah-compliant Platinum Plus: contribute for the first three years only, stay protected for ten, and receive your maturity benefit — all under Shariah supervision.

✓Contributions for the first 3 years only
✓10 years of Takaful coverage
✓Halal structure with Shariah Supervisory Board oversight

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Who it’s for

Is this plan for you?

You want a halal home for a larger lump sum.
You prefer a short contribution window.
You want government-backed, Shariah-compliant protection.

☪Shariah-compliantInvested only in Shariah-compliant instruments — no interest (riba).

3Short contribution termContribute for three years, then nothing further.

10Decade of coverTakaful coverage continues for the full 10 years.

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

Plan facts

Plan type: Bonus-based, unit-linked family Takaful (limited contribution)
Entry age: 1 – 60 years (maximum maturity age 70)
Membership term: 10 years
Contribution term: 3 years
Minimum contribution: Rs. 65,000 per year
Death benefit: Sum covered + accrued benefits
Shariah oversight: State Life Shariah Supervisory Board

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 and 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

Age40 yrs

MonthlyRs. [X]

Term10 yrs

A 40-year-old contributing approximately Rs. [X] per year for 3 years could remain covered for 10 years and receive a maturity benefit — 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

Yes — contributions are payable for the first three years; coverage continues for 10.

Contributions are pooled with other participants to pay claims, with a separate investment account for savings — mutual cooperation under Shariah supervision, with no interest.

Sum covered and declared bonuses are guaranteed by the Government of Pakistan.

Adults within the eligible age range; your advisor will confirm.

Takaful Platinum Plus Plan

Is this plan for you?

Plan facts

Example illustration

Questions about this plan

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