About StateLife Advisors

Scholars hold different views on conventional insurance, so the choice is yours. If you want a Shariah-compliant option, State Life offers Window Takaful plans: participants contribute to a shared Waqf fund, there is no riba (interest), money is invested only in Shariah-compliant instruments, and operations are supervised by a Shariah Advisor. Ask us about the Takaful Golden Endowment or Takaful Platinum Plus plans.

The sum assured and every bonus, once declared, are guaranteed by the Government of Pakistan under the Life Insurance (Nationalization) Order, 1972. Bonus rates for future years are not guaranteed — State Life declares them each year after its actuarial valuation.

Share your name and number through the form. Our representative calls you, explains the plans in Urdu or English and prepares a free illustration for your age and budget. When you are ready, we complete the proposal form with you, you pay the first premium to State Life, and State Life issues your policy.

Premiums are paid to State Life Insurance Corporation of Pakistan, not to us. You can pay online through State Life's e-payment portal, through major banks, or at State Life offices and authorized collection centers, and you receive an official State Life receipt every time.

State Life distributes 97.5% of its surplus as bonuses to with-profit policies each year — PKR 181 billion was allocated to policyholders for 2025. Declared bonuses are guaranteed by the Government of Pakistan; future bonus rates are not.

Conventional endowment plans acquire a surrender value after two full years' premiums are paid. You can surrender the policy or take a loan against it. Takaful plans also offer early cash value options.

You have 31 days after each due date to pay. If a policy does lapse, State Life lets you revive it within 5 years of the first unpaid premium, subject to its terms, so a bad year does not have to end your plan.

It depends on your age and the sum assured you request. Many younger applicants for standard amounts do not require a medical exam. Your advisor will guide you.

Once the proposal form and initial premium are submitted, standard policies are typically issued within a few working days.