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Save for a big goal

Build a lump sum for your next big goal

Save a fixed amount and State Life adds profit to it every year. Choose how long you pay — for the whole plan, for only 7 years, or for only 3 years. Your cover amount and every bonus already added are guaranteed by the Government of Pakistan.

  • Pay for 3 years, 7 years or the whole plan
  • Profit (bonus) added every year
  • Your family is covered while you save
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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. Choose how long to pay

    Every year for 10 to 55 years, for 7 years only, or for 3 years only — whatever fits your income.

  2. Profit every year

    State Life shares 97.5% of its surplus with policyholders as bonuses. Once added, a bonus cannot be taken away.

  3. Collect your lump sum

    At the end you get your cover amount plus all bonuses — for a house, Hajj, a car or a business.

Plans for this goal

Which State Life plan fits

Try the profit calculator

  • 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

Per rupee of cover, a long Endowment Plan earns the most, because only plans of 17 years or more reach the highest bonus rate. Platinum Plus earns the highest rate in the early years. The best plan is one you can keep paying to the end.

It is different. Your family is covered from day one, and profit once added cannot be taken back. But the money is meant to stay in until the end: you can cash in after 2 years or borrow after 3, and leaving early means giving up future profit.

Every year State Life works out its surplus and shares 97.5% of it with policyholders as bonuses. The latest rates are on our bonus rates page.

The Endowment Plan can be paid yearly, half-yearly, quarterly or monthly. Platinum Plus is paid once a year for 3 years.

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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