Is this the exact amount I will get?

No. It assumes State Life declares the same bonus rates as in 2025 every year. Rates are set each year and can go up or down. Bonuses already added to your policy are guaranteed by the Government of Pakistan.

Why does it not show my premium?

Your yearly payment depends on your age, the plan and the cover amount, from State Life’s own rate tables. Leave your number and we will send you the exact figure for free.

Why does a longer plan earn so much more?

The bonus rate steps up after year 5 and again after year 16, and plans paid for more than 10 years also get an end-of-plan (terminal) bonus. So the last years of a long plan earn the most.

Where do these rates come from?

From State Life’s bonus declaration for the valuation as at 31 December 2025, published on statelife.com.pk. See the full table on our bonus rates page.

Based on State Life’s 2025 bonus rates

How much will my State Life plan pay?

Choose a plan, the amount of cover and the number of years. You’ll see your cover plus the yearly bonuses State Life would add, as one lump sum at the end.

Estimate only. It uses State Life’s bonus rates declared for 2025 (valuation as at 31 December 2025) and assumes the same rates every year, with every premium paid. State Life says future bonus rates “may either go up or down”; declared bonuses, once added, are guaranteed by the Government of Pakistan. Your official illustration from State Life is the binding figure.

Want your exact numbers?

Tell us your name and number. An advisor will send you the yearly payment for your age and a year-by-year illustration from State Life — free, with no obligation.

Questions about the calculator

Is this the exact amount I will get?: No. It assumes State Life declares the same bonus rates as in 2025 every year. Rates are set each year and can go up or down. Bonuses already added to your policy are guaranteed by the Government of Pakistan.
Why does it not show my premium?: Your yearly payment depends on your age, the plan and the cover amount, from State Life’s own rate tables. Leave your number and we will send you the exact figure for free.
Why does a longer plan earn so much more?: The bonus rate steps up after year 5 and again after year 16, and plans paid for more than 10 years also get an end-of-plan (terminal) bonus. So the last years of a long plan earn the most.
Where do these rates come from?: From State Life’s bonus declaration for the valuation as at 31 December 2025, published on statelife.com.pk. See the full table on our bonus rates page.

See the full 2025 bonus rate table