Articles & guides
Life insurance, explained in plain words
Straight answers to the questions families ask us: how life insurance works, what it is worth, whether it is halal, and how claims are paid.
Articles
Life insurance basicsWhat is life insurance? A simple guide for Pakistani familiesLife insurance in plain words: how a policy works, the main types in Pakistan, terms like sum assured and nominee, and what happens if you miss a payment.Read Life insurance basicsBenefits of life insurance: 8 reasons families in Pakistan buy a policyThe real benefits of life insurance for Pakistani families: protection from day one, a yearly bonus, a government guarantee, loans, riders and Takaful.Read Life insurance basicsHow much life insurance do I need? A simple way to work it outA simple three-step way to work out how much life cover your family needs in Pakistan, with a worked example and a quick rule of thumb.Read Halal & TakafulIs life insurance halal or haram? What scholars say, in plain wordsWhy most scholars see conventional life insurance as impermissible, who allows it, how Takaful answers the objections, and State Life's halal options.Read Halal & TakafulTakaful vs conventional life insurance: the real differencesHow Takaful works (a donation, a Waqf fund, an agent's fee), how it differs from conventional life insurance, and how State Life's two ranges compare.Read Trust & safetyIs State Life safe? The government guarantee, explainedWhat the Government of Pakistan guarantee on State Life policies covers and what it does not, how bonuses are decided, and how to keep your policy safe.Read ClaimsHow a State Life claim is paid: death and maturity claims, step by stepWhat your family does if a policyholder dies, State Life's four claim forms and documents, and how maturity payments work, from State Life's own process.Read ChildrenWhat is a child education plan? How it secures your child's futureHow a child education plan builds a lump sum for university or a wedding, keeps going if a parent dies, and how State Life's plan works.Read
Profit & retirement guides
Profit explainedHow profit works on a State Life plan — with a worked exampleWhat the yearly State Life profit actually is, how the 2025 bonus rates step up over time, and a worked example on a Rs. 1,000,000 Endowment — reversionary plus terminal bonus.Read Choosing a planBest savings plan in Pakistan: how the State Life plans compareEndowment, Golden Endowment or Platinum Plus? How the three State Life savings plans differ in commitment, cover and profit profile, and which one fits your budget and horizon.Read RetirementHow to retire early in Pakistan with a State Life planSet an Endowment Plan to mature at 50, 55 or 60 and receive the sum assured plus every year’s profit as one lump sum. Why long terms pay most, a worked example, and how to ladder policies for retirement income.Read