Plans

State Life plans, in simple words

Every plan saves your money, adds a yearly profit (bonus) guaranteed by the Government of Pakistan once declared, and protects your family while you save. Invest before 31 December 2026 to earn the full 2026 profit. Start with your goal below, or let the Plan Finder suggest one.

Start here

What is your goal?

My child's educationFees ready when your child starts college or university.See how it works
My child's weddingMoney for your son's or daughter's shaadi, without loans.See how it works
A comfortable retirementA big lump sum at 55 or 60, so you can stop working.See how it works
Protect my familyIf something happens to you, your family is looked after.See how it works
Save for a big goalA house, Hajj, a car or a business — build a lump sum with yearly profit.See how it works
Halal savingsShariah-compliant Takaful plans, with no interest (riba).See how it works
Cover my employeesGroup life and health cover for your staff under one policy.See how it works
Not sure?Answer 4 quick questions and we’ll suggest a plan.Take the 1-minute quiz

At a glance

Compare all 8 plans

Plan	You pay for	Covered for	Entry age	Best for	Action
Family Pension PlanFamily Protection	Full term	18 or 21 years	20 – 52 years	Your family gets an income for 10 years if you're gone — and you get cash back twice during the plan.	View
Child Education & Marriage PlanFamily Protection	Full term	10 – 24 years	20 – 60 years	Money for your child's education or wedding, on the date you choose — even if you're not there.	View
Jeevan Saathi PlanFamily Protection	Full term	Your choice	20 – 50 years	One policy for husband and wife — if one partner passes away, the other stops paying and is still paid.	View
Endowment PlanSavings & Wealth	Full term	10 – 55 years	10 – 65 years	The most popular, time-tested State Life savings plan — savings plus life cover in one.	View
Golden Endowment PlanSavings & Wealth	7 years	20 years	20 – 55 years	Pay for 7 years. Build value over 20.	View
Platinum PlusSavings & Wealth	3 years	10 years	1 – 65 years	Pay for 3 years, stay covered for 10 — for high-value savers and investors.	View
Takaful Golden EndowmentTakaful	7 years	20 years	20 – 55 years	Contribute for 7 years, covered for 20 — the halal version of Golden Endowment.	View
Takaful Platinum PlusTakaful	3 years (once a year)	10 years	1 – 60 years	Contribute for 3 years, covered for 10 — the halal version of Platinum Plus.	View

Swipe sideways on a phone. Entry ages and terms are as published by State Life; your advisor confirms eligibility.

Earn profit

Savings & Wealth

Endowment PlanThe most popular, time-tested State Life savings plan — savings plus life cover in one.View plan Golden Endowment PlanPay for 7 years. Build value over 20.View plan Platinum PlusPay for 3 years, stay covered for 10 — for high-value savers and investors.View plan

Protect

Family Protection

Family Pension PlanYour family gets an income for 10 years if you're gone — and you get cash back twice during the plan.View plan Child Education & Marriage PlanMoney for your child's education or wedding, on the date you choose — even if you're not there.View plan Jeevan Saathi PlanOne policy for husband and wife — if one partner passes away, the other stops paying and is still paid.View plan

Halal profit

Takaful (Shariah-compliant)

Takaful Golden EndowmentContribute for 7 years, covered for 20 — the halal version of Golden Endowment.View plan Takaful Platinum PlusContribute for 3 years, covered for 10 — the halal version of Platinum Plus.View plan

For employers

Protect Your Employees

Group Insurance for EmployeesLife, health and retirement cover for your whole team under one State Life group policy.View plan

Not sure which plan? Ask us — it’s free

Pick your goal and leave your number. An authorized State Life advisor will explain your options in Urdu or English and send you exact figures for your age. No obligation.