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A comfortable retirement

Retire with a lump sum you can count on

Choose the age you want to retire — 50, 55 or 60. Save every year until then, and State Life pays you your cover amount plus every year's profit in one lump sum. If you pass away first, your family receives it.

  • You choose your retirement age
  • The profit rate goes up the longer you save
  • Your family is covered all the way
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Get your free plan

Tell us who you are. An advisor sends you a plan for your age and budget — free, no obligation.

Mashwara bilkul muft hai — koi pabandi nahi.

  • Free
  • No obligation
  • Call back within 24 hours

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In simple words

How it works

  1. Pick your age

    Choose when you want the money. The Endowment Plan runs from 10 to 55 years and can end as late as age 75.

  2. Save every year

    Pay a fixed amount. State Life adds a bonus every year, and the rate steps up after year 5 and again after year 16.

  3. Collect at retirement

    Get the full amount plus all bonuses as one lump sum. If you pay for more than 10 years, an extra end-of-plan bonus is added too.

Plans for this goal

Which State Life plan fits

Read the full retirement guide, with a worked example

  • Government guaranteeYour cover and every bonus already declared are guaranteed by the Government of Pakistan.
  • You pay State Life directlyPremiums go to State Life Insurance Corporation, with an official State Life receipt every time.
  • Free adviceWe are an authorized State Life agency. Advice and your plan illustration are free, with no obligation.

Common questions

Yes. Set the term so the plan ends at 50 — for example, start at 30 with a 20-year term.

Your family receives the cover amount plus all bonuses added so far, and no more payments are due.

After 3 years of payments you can borrow up to 80% of the plan's cash value and pay it back later, so your plan keeps growing.

Tell us your retirement age and the amount you want. We will send a free plan with the exact payment for your age.

Yes. The Takaful Golden Endowment is Shariah-compliant: contribute for 7 years and stay covered for 20.

Talk to an advisor — it’s free

Tell us your goal and budget. We’ll explain the plan in Urdu or English and send you exact figures for your age. No obligation.

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StateLife Advisors is an independent agency authorized to sell State Life plans; this is not the official State Life website. Plan facts are as published by State Life Insurance Corporation of Pakistan. Your cover and declared bonuses are guaranteed by the Government of Pakistan; future bonus rates are not.

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