Is the bonus guaranteed?

Once a bonus is declared and added to your policy it is guaranteed by the Government of Pakistan and cannot be reduced. Rates for future years are not guaranteed and are set at each annual actuarial valuation.

When is the bonus added to my policy?

Bonuses are declared after each year's actuarial valuation (as at 31 December) and credited to with-profit policies that are in force. They accumulate on the policy and are paid with the sum assured at maturity or on death.

Why does the rate go up after year 5 and year 16?

State Life rewards policies that stay in force: the rate per Rs. 1,000 steps up at year 6 and again at year 17, so long-term policyholders earn a larger share of the surplus.

What is the terminal bonus?

An extra bonus paid on maturity and death claims for policies that have paid more than ten years' premiums — Rs. 90 per 1,000 sum assured per year for 2026 claims, capped at Rs. 1,800 per 1,000. It does not apply to Anticipated Endowment policies.

Actuarial valuation as at 31 December 2025

State Life bonus rates 2025

Every year State Life declares a reversionary bonus for each Rs. 1,000 of sum assured on with-profit policies. Once declared it is added to your policy and guaranteed by the Government of Pakistan. These are the rates from the latest valuation, as published by the Corporation.

Reversionary bonus — Pak Rupee policies

Rupees per Rs. 1,000 sum assured, per policy year, by how long the policy has been in force.

Plan	Policy term	Years 1–5	Years 6–16	Year 17+
Whole Life (Table-01)	All terms	62	134	206
Endowment (Table-03)	20 years or more	52	117	178
Endowment (Table-03)	15 – 19 years	35	98	111
Endowment (Table-03)	14 years or less	21	80	—
Platinum Plus	10 years	32	120	—
Sada Bahar (Table-74)	20 years or more	46	105	178
Sada Bahar (Table-74)	15 – 19 years	32	91	111
Sada Bahar (Table-74)	14 years or less	24	80	—
Anticipated Endowment (incl. Family Pension, Table-12)	20 years or more	35	85	136
Anticipated Endowment (incl. Family Pension, Table-12)	15 – 19 years	25	73	80
Anticipated Endowment	14 years or less	20	64	—

Golden Endowment, Child Education & Marriage and the Takaful plans have their own rows in the Corporation’s bonus circular — see the official bonus rates page, or ask us for the figure that applies to your plan.

Terminal bonus · claims in 2026Rs. 90 per 1,000 sum assured, per yearCapped at Rs. 1,800 per 1,000. Paid on maturity and death claims where more than ten years’ premiums have been paid. Not applicable to Anticipated Endowment policies.

Special reversionary bonusRs. 300 – 3,165 per 1,000 benefitOn Anticipated Endowment and Sada Bahar policies with survival benefits falling due in 2026, scaled by the period left to maturity.

Where the money comes from97.5% of surplus to policyholdersPKR 181 billion was allocated to policyholders in this declaration. Declared bonuses are guaranteed by the Government of Pakistan.

How to read the table

Find your plan and its term. A 20-year Endowment (Table-03) uses the 20+ years row; Platinum Plus has a single row.
Read across for the policy year you are in. Bonus rises in steps: one rate for years 1–5, a higher one for 6–16, and higher again from year 17.
Multiply by your sum assured in thousands. At the “years 6–16” rate of Rs. 117, a Rs. 1,000,000 Endowment earns Rs. 117,000 of bonus that year — added to the policy, paid out with the sum assured.

See what these rates mean for you

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Bonus questions

Is the bonus guaranteed?: Once a bonus is declared and added to your policy it is guaranteed by the Government of Pakistan and cannot be reduced. Rates for future years are not guaranteed and are set at each annual actuarial valuation.
When is the bonus added to my policy?: Bonuses are declared after each year's actuarial valuation (as at 31 December) and credited to with-profit policies that are in force. They accumulate on the policy and are paid with the sum assured at maturity or on death.
Why does the rate go up after year 5 and year 16?: State Life rewards policies that stay in force: the rate per Rs. 1,000 steps up at year 6 and again at year 17, so long-term policyholders earn a larger share of the surplus.
What is the terminal bonus?: An extra bonus paid on maturity and death claims for policies that have paid more than ten years' premiums — Rs. 90 per 1,000 sum assured per year for 2026 claims, capped at Rs. 1,800 per 1,000. It does not apply to Anticipated Endowment policies.

Source: State Life Insurance Corporation of Pakistan, bonus declaration for the actuarial valuation as at 31 December 2025. In the Corporation’s words, “bonus rates for future years are not guaranteed and may either go up or down depending on future actuarial valuations.” StateLife Advisors is an independent authorized agency; this is not the official State Life website.