Our conventional life insurance plans — savings, protection and family security, with bonuses. Choose a plan to see its details and calculate your own premium:

Confused about which plan suits you? Get free advice:
Call or WhatsApp Ali Salman — Sales Manager, State Life Insurance: 0336-3598210

Takaful is a Shariah-compliant system of mutual protection. Under State Life Family Takaful (Wakalah–Waqf model), participants contribute on the basis of Tabarru (donation) into a common Waqf fund, and the fund supports any participant’s family in time of need — protection, the Islamic way.

Our Takaful plans — Shariah-compliant protection and savings. Choose a plan to see its details and calculate your own contribution:

Call or WhatsApp Ali Salman — Sales Manager, State Life Insurance: 0336-3598210

Our Team

Are you hardworking and looking for a career where your income grows with your effort?

Join the team of Ali Salman, Sales Manager — State Life Insurance, Karachi, and build your future by protecting the future of other families.

Why join our team?

• Complete training and step-by-step guidance — you are never left alone in the field
• A supportive team that works together and celebrates every success
• Your earnings grow with your performance — the harder you work, the more you earn
• A respected career with Pakistan’s largest life insurance organisation, serving families since 1972

Who can apply?

• Students who want to earn alongside their studies
• Job holders looking for a second income
• Anyone seeking a full-time career in sales and financial services

No previous insurance experience is required — training is provided. What matters is honesty, hard work and the will to succeed.

Call or WhatsApp Ali Salman — Sales Manager, State Life Insurance: 0336-3598210

← All Conventional Plans

This plan gives you both savings and protection — you receive the amount at the end of the term, and if anything happens in between, your family still gets complete protection.

What this plan offers

• At maturity: if you survive the term, you receive the Sum Assured + accrued Bonus
• On death (God forbid): if death occurs during the term, the full Sum Assured + Bonus is paid to your heirs
• This is a with-profit plan — you share in State Life’s annual bonus
• Once at least 2 years of premiums are paid, the policy acquires a Surrender Value
• The policy can be cancelled within 14 days of receiving it (free look period)

Eligibility and term

• Entry age: minimum 10 years, maximum 65 years
• Maximum age at maturity: 75 years
• Premiums: yearly, half-yearly, quarterly or monthly — payable until the end of the term or death, whichever comes first
• Extra cover (riders): additional cover such as Accidental Death Benefit can be added — on accidental death, an extra amount equal to the basic Sum Assured is paid

How much will the premium be?

The premium depends on your age, Sum Assured and term. A real example: age 30, term 20 years, Sum Assured Rs 500,000 — yearly premium Rs 24,060 (monthly Rs 2,165). You can also add the Family Income Benefit (FIB) and Accidental Death Benefit (ADB) riders — the calculator below includes them. Use the calculator to work out your own premium, or share your age and required amount on WhatsApp to get your exact figure.

Ali Salman — Sales Manager, State Life Insurance
Call or WhatsApp: 0336-3598210

← All Conventional Plans

The Child Education & Marriage Plan is made for one purpose: your child’s future. It provides a lump sum when your child reaches the age where money matters most — 18, 21 or 25 years — the time of higher education, marriage, or setting up a business.

How it works

• You choose the target age: 18, 21 or 25 years
• At the end of the term, the child receives the full Sum Assured + accrued Bonuses
• The amount can be taken as a lump sum, or in five equal annual instalments

Who can take this plan

• Child’s age at entry: 1 to 15 years
• Policyholder’s age at entry: 20 to 60 years
• Plan term: 10 to 24 years (set so the amount is payable at age 18, 21 or 25)
• Parents can take this plan — and so can grandparents, uncles, aunts, or anyone who pays for the child’s maintenance

If the child passes away during the term (God forbid)

The policyholder can choose:

• Continue the same plan for another child, or
• Take a refund of all premiums paid or the policy’s cash value — whichever is higher — or
• Continue the policy without naming another child

Good to know

• Premium is level — the same every year — payable till maturity
• The Family Income Benefit (FIB) Rider can be attached separately (this plan has no built-in income benefit)
• ADB (Accidental Death Benefit) rider is also available
• No medical evidence is required on the child’s life

Note: Final premium is subject to State Life’s underwriting. For your child’s exact premium, use the Premium Calculator on this page or contact on WhatsApp: 0336-3598210

— Ali Salman, Sales Manager, State Life Insurance
Call or WhatsApp: 0336-3598210

← All Conventional Plans

Jeevan Sathi is a joint-life plan for a husband and wife. One policy covers both lives, with one Sum Assured — so the protection continues even if one of you is no longer there.

How it works

• Premiums are payable until the end of the term, or the first death, whichever comes first.
• On the first death, the Sum Assured is paid to the surviving spouse — and all further premiums are waived. The surviving spouse’s cover continues, and the policy keeps sharing in bonuses.
• On the second death, the Sum Assured is paid again, together with the bonuses — a double payment of protection from a single plan.
• If the surviving spouse lives to the end of the term, the Sum Assured and bonuses are paid at maturity — even though the Sum Assured was already paid once.
• If both of you survive the term, the Sum Assured and bonuses are paid at maturity.
• Both lives are medically examined, and two proposal forms are completed — one for each life.

Terms available: 10, 15, 20, 25, 30 or 35 years

How the premium is calculated

The premium is based on an Equivalent Age. If both of you are the same age, that age is used. If your ages differ, a small deduction (from the State Life Uniform Seniority Table) is made from the elder spouse’s age — so an age gap does not push the premium up unfairly. Try it yourself in the calculator below.

Extra protection

• ADB (Accidental Death Benefit) can be added for both lives. Note: special terms and conditions (T&C) apply to ADB on the woman’s life — please ask for details.

Note: The premium shown by the calculator is an estimate. The final premium is decided by State Life’s policy and underwriting.

For free advice, call or WhatsApp Ali Salman — Sales Manager, State Life Insurance: 0336-3598210

← All Conventional Plans

Golden Endowment is a special endowment plan with one big advantage: you pay premiums for only 7 years, while your policy runs for a full 20 years. After 7 years, you stop paying — and your protection and bonuses keep growing until maturity.

Salient features

• Policy term: 20 years
• Premium term: only 7 years — no premiums after the 7th year
• Entry age: 20 to 55 years
• Premium mode: yearly only
• Death benefit: Sum Assured + accrued bonuses
• Maturity benefit: Sum Assured + bonuses at the end of 20 years
• Bonuses are declared at the same rates as the Endowment Assurance plan (20-year term)

Extra protection

• ADB (Accidental Death Benefit) can be added up to age 40.

Note: The premium shown by the calculator is an estimate. The final premium is decided by State Life’s policy and underwriting.

For free advice, call or WhatsApp Ali Salman — Sales Manager, State Life Insurance: 0336-3598210

← All Conventional Plans

Whole Life Assurance is a unique combination of protection and savings that can be purchased at a very economical premium. There is no fixed policy term to choose — your cover runs for the whole of your life, and premiums are payable until death or until the policy anniversary nearest age 85, when the policy matures.

Salient features

• Cover: for the whole of life — the policy matures at the policy anniversary nearest age 85
• Entry age: 10 to 65 years (the ages priced in the official rate table)
• Premium modes: yearly, half-yearly, quarterly or monthly
• Death benefit: Sum Assured + bonuses (if any)
• Maturity benefit: Sum Assured + bonuses at the policy anniversary nearest age 85
• With profits: the rate book notes that bonus rates under this plan are usually much higher than those of the other plans
• After two years’ premiums have been paid, the policy acquires surrender and non-forfeiture values, and a policy loan of up to 80% of the surrender value can be taken

Extra protection

• ADB (Accidental Death Benefit) can be added — standard rate Rs 1.25 per Rs 1,000 of Sum Assured.

Note: The premium shown by the calculator is an estimate. The final premium is decided by State Life’s policy and underwriting.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

Platinum Plus is a 10-year endowment assurance plan with one big advantage: the premium paying period is limited to only 3 years. You pay for 3 years — yearly only — while your policy runs for the full 10 years.

Salient features

• Policy term: 10 years
• Premium term: only 3 years — no premiums after the 3rd year
• Entry age: 20 to 65 years
• Premium mode: yearly only
• Bonus: according to the rate book, the bonus rates for this plan are 50% higher than those of the 10-year Endowment plan (Table 03/10)
• Full benefit details are given in the official State Life policy document

Extra protection

• ADB (Accidental Death Benefit) can be added at this plan’s own rate — Rs 3.42 per Rs 1,000 of basic Sum Assured.

Note: The premium shown by the calculator is an estimate. The final premium is decided by State Life’s policy and underwriting.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

Titanium is a single premium universal life insurance plan. You invest one time only — there are no yearly or monthly premiums — and your money combines life protection with investment growth over a coverage term of 2 to 15 years.

Salient features

• Premium: one-time single premium — pay once, no repeat premiums
• Minimum single premium: Rs 100,000
• Entry age: up to 65 years
• Coverage term: 2 to 15 years (determined by State Life according to the customer’s profile)
• Life Sum Assured: up to 10 times of the single premium (determined by State Life according to the customer’s profile and subject to underwriting)
• Death benefit: Sum Assured PLUS Net Account Value
• Maturity benefit: Net Account Value at the end of the selected term
• Partial withdrawal: up to 80% of the cash value can be withdrawn without surrendering the policy
• Investment income is credited annually, based on statutory actuarial valuation

Please note: the maturity value is the Net Account Value, which depends on investment performance. No fixed or guaranteed maturity amount or return is promised — the brochure’s figures are indicative and for illustration purposes only.

Note: The figures shown by the calculator are an illustration. The final Sum Assured is decided by State Life’s policy and underwriting.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

Titanium Plus is a single premium universal life insurance plan. You invest one time only — there are no yearly or monthly premiums — and your money combines life protection with investment growth over a coverage term of 2 to 15 years, with added cover for utility bills and funeral expenses on accidental death.

Salient features

• Premium: one-time single premium — pay once, no repeat premiums
• Minimum single premium: Rs 500,000
• Entry age: up to 65 years
• Coverage term: 2 to 15 years (determined by State Life according to the customer’s profile)
• Life Sum Assured: up to 10 times of the single premium (determined by State Life according to the customer’s profile and subject to underwriting)
• Death benefit: Sum Assured PLUS Net Account Value
• Maturity benefit: Net Account Value at the end of the selected term
• Partial withdrawal: up to 80% of the cash value can be withdrawn without surrendering the policy
• Investment income is credited annually, based on statutory actuarial valuation

Extra protection on accidental death (as per brochure)

• Utility Bill cover up to Rs 120,000
• Funeral cover up to Rs 350,000

Please note: the maturity value is the Net Account Value, which depends on investment performance. No fixed or guaranteed maturity amount or return is promised — the brochure’s figures are indicative and for illustration purposes only.

Note: The figures shown by the calculator are an illustration. The final Sum Assured is decided by State Life’s policy and underwriting.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

Titanium Elite is a single premium universal life insurance plan for larger one-time investments. You invest one time only — there are no yearly or monthly premiums — and your money combines life protection with investment growth over a coverage term of 2 to 15 years, with the family’s highest utility bill and funeral covers on accidental death, plus a Special Reward Discount Card for one year.

Salient features

• Premium: one-time single premium — pay once, no repeat premiums
• Minimum single premium: Rs 1,000,000
• Entry age: up to 69 years
• Coverage term: 2 to 15 years (determined by State Life according to the customer’s profile)
• Life Sum Assured: up to 10 times of the single premium (determined by State Life according to the customer’s profile and subject to underwriting)
• Death benefit: Sum Assured PLUS Net Account Value
• Maturity benefit: Net Account Value at the end of the selected term
• Partial withdrawal: up to 80% of the cash value can be withdrawn without surrendering the policy
• Investment income is credited annually, based on statutory actuarial valuation
• Special Reward Discount Card for the policyholder for one year

Extra protection on accidental death (as per brochure)

• Utility Bill cover up to Rs 600,000
• Funeral cover up to Rs 1,000,000

Please note: the maturity value is the Net Account Value, which depends on investment performance. No fixed or guaranteed maturity amount or return is promised — the brochure’s figures are indicative and for illustration purposes only.

Note: The figures shown by the calculator are an illustration. The final Sum Assured is decided by State Life’s policy and underwriting.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

The Personal Pension Scheme is a single premium pension plan: you pay one premium, once — there are no yearly or monthly premiums after that — and in return you receive a guaranteed pension. It is designed for lifetime security, especially for self-employed people and those whose organisations have no pension scheme.

Salient features

• Single Premium: pay once only — minimum Rs 50,000, no maximum
• Entry age: 18 years and above — no upper age limit
• No medical evidence required — the plan is issued regardless of health
• Pension guaranteed for 25 years — and if you outlive the 25 years, the pension continues for life
• First pension payment at the beginning of the 8th policy year; the pension amount depends on your entry age and sex (the rate book’s chart)
• On death after the pension starts (before 25 years of pension are paid), your nominee(s) keep receiving the pension for the balance of the 25 years
• Full encashment option after 6 years: instead of the pension, take a lump sum equal to double the single premium
• Part encashment (25% / 50% / 75%) with a reduced pension is also allowed, as long as the remaining pension is at least Rs 2,500 per year
• Monthly pension option available on request when the yearly pension exceeds Rs 36,000

Note: A company fee is charged in addition to the single premium, at the fee rate applicable in the month the policy is issued (the fee is revised every month). Please contact us for the current month’s fee.

Figures: State Life Rate Book (Nov 2025), Table 71 · Final figures as per State Life policy terms/underwriting

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Conventional Plans

The Term Insurance plan — the Nigehban Plan — is a pure protection plan. It carries no savings or maturity component, which is why it gives the largest life cover for the lowest premium: if death occurs during the chosen term while the policy is in force, the full sum assured is paid to your family.

Salient features

• Entry age: 20 to 60 years (age nearest birthday)
• Term: 5 to 10 years — you choose
• Two ways to pay: yearly premiums (Table 24 — yearly mode only, there is no monthly mode in this plan), or a single premium paid once for the whole term (Table 25)
• Pure death cover: sum assured is payable on death during the term; there is no maturity benefit, no surrender value and no loan value, and the plan is without profits
• Accidental Death Benefit (ADB) rider may be attached at Rs 1.25 per Rs 1,000 of sum assured (on the single premium plan, the rider premium for the whole term is charged once, at the start)
• The normal Non-Medical Scheme and underwriting requirements apply

Figures: State Life Rate Book (Nov 2025), Tables 24 & 25 · Final figures as per State Life policy terms/underwriting

For free advice, contact Ali Salman — Sales Manager, State Life Insurance
WhatsApp/Call: 0336-3598210

← All Takaful Plans

Takaful Endowment is a bonus-based, Shariah-compliant plan that combines life protection with savings. Your contributions are shared between the Participant Takaful Endowment Fund (PTEF), which provides your Sum Cover and declared bonuses, and the Participant Investment Endowment Fund (PIEF), which builds your investment value — family protection and disciplined savings in one membership.

Salient features

• Entry age: 18 to 65 years
• Contribution paying term: 10 to 57 years — offered where entry age + term does not exceed 75 (maximum maturity age 75)
• Contributions: calculated from the rate book’s contribution table for your age and term, applied per Rs 1,000 of Sum Cover, and shown here on an annual basis
• Minimum contribution: Annual Rs 15,000 · Semi-Annual Rs 10,000 · Quarterly Rs 5,000 · Monthly Rs 2,500
• Death benefit: Sum Cover plus declared bonuses from the PTEF, and in addition the carrying value of the PIEF is payable to the nominee
• Maturity benefit: Sum Cover and declared bonuses from the PTEF, in addition to the carrying value of the PIEF
• Supplementary Takaful benefits (riders): Accidental Death Benefit (ADB), Accidental Death and Indemnity Benefit (AIB), Family Income Benefit (FIB) and Term Takaful Rider — as the rate book notes, the contribution rates of supplementary Takaful contracts are the same as those of conventional business
• Unit allocations: 1st year 40% · 2nd year 80% · 3rd year 90% · 4th year onwards 100%
• Surplus sharing: any surplus is shared 97.5% to participants as bonuses / 2.5% to the Operator’s Shareholders Fund (OSF), as printed in the rate book
• Partial withdrawal: available after two membership years, subject to the conditions in the membership documents

Please note: declared bonuses are announced under the Takaful model and the investment fund value depends on investment performance, which is borne by the participant — actual values may be lower or higher than any illustration. No fixed or guaranteed amount or return is promised.

Note: The contribution shown by the calculator follows the rate book’s contribution table for your age and contribution paying term, applied per Rs 1,000 of Sum Cover, on an annual basis. Final terms and conditions are as per the State Life Takaful membership documents.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance · WhatsApp/Call: 0336-3598210

← All Takaful Plans

Takaful Child Education & Marriage is a unit-linked, Shariah-compliant plan for building a lump sum for your child’s education and marriage. The contribution level is chosen by you, the participant, and your contributions accumulate in the Participants Investment Fund (PIF). The plan is inspired by State Life’s conventional Child Education and Marriage Plan (Table 76), in a Shariah-compliant Takaful form.

Salient features

• Contribution: chosen by the participant (level basic contribution) — no fixed rate table applies to this plan
• Participant entry age: 18 to 57 years
• Term: 10 to 30 years (maximum maturity age 67)
• Sum Cover: Basic Annual Contribution × term (see the book’s example below)
• Minimum contribution: Annual Rs 15,000 · Semi-Annual Rs 10,000 · Quarterly Rs 5,000 · Monthly Rs 2,500
• If the participant passes away: the membership continues — subsequent regular contributions are waived (paid from the Participants Takaful Fund into the investment fund), so the planned savings for the child are still achieved, and the accumulated fund value is paid at maturity
• Maturity benefit: the accumulated value of the Participants Investment Fund
• Unit allocations: 1st year 40% · 2nd year 80% · 3rd year 90% · 4th year onwards 100%
• Partial withdrawal: available after the first membership year, at the latest NAV
• Surrender: 100% of the investment fund at the latest NAV, with no surrender charge
• Surplus sharing: any surplus is shared through PIF units — 80% to participants / 20% to the Operator’s Shareholders Fund (OSF) as Modarib Fee, as printed in the rate book

Please note: this is a unit-linked plan. The value of your investment fund depends on investment performance, and the investment risk is borne by the participant — actual maturity and surrender values may be lower or higher than any illustration. No fixed or guaranteed maturity amount or return is promised.

Note: The Sum Cover shown by the calculator follows the rate book’s formula (Basic Annual Contribution × term). Final terms and conditions are as per the State Life Takaful membership documents.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance · WhatsApp/Call: 0336-3598210

← All Takaful Plans

Takaful Golden Endowment is a bonus-based, Shariah-compliant plan designed for those who want long-term protection without a long payment commitment: you pay contributions for only the first 7 years, while your cover — and your participation in the fund’s surplus — continues for the full 20-year coverage term.

Salient features

• Coverage term: 20 years (fixed)
• Contribution paying term: 7 years only — benefits and bonuses are based on the 20 coverage years, and the membership continues to participate in surplus after the 7-year contribution term; the bonuses announced for a 20-year Takaful Endowment plan apply to this plan
• Entry age: 20 to 55 years
• Contributions: calculated from the rate book’s single rate table for your entry age, applied per Rs 1,000 of Sum Cover, and shown here on an annual basis
• Minimum annual contribution: Rs 15,000
• Death benefit: Sum Cover plus declared bonuses from the Participant Takaful Fund (PTF), and in addition the carrying value of the Participant Investment Fund (PIF) is payable to the nominee
• Maturity benefit: Sum Cover and declared bonuses from the PTF, in addition to the carrying value of the PIF
• Supplementary Takaful benefits (riders): Accidental Death Benefit (ADB) and Term Takaful Rider (TTR) — rider contributions are payable for seven years only while protection runs for the entire membership term; maximum rider entry age 55 years, and rider benefits cease at age 70
• Unit allocations: 1st year 70% · 2nd year 85% · 3rd year 90% · 4th year onwards 100%
• Surplus sharing: any surplus is shared 97.5% to participants as bonuses / 2.5% to the Operator’s Shareholders Fund (OSF), as printed in the rate book
• Partial withdrawal: available after two membership years, subject to the conditions in the membership documents

Please note: declared bonuses are announced under the Takaful model and the investment fund value depends on investment performance, which is borne by the participant — actual values may be lower or higher than any illustration. No fixed or guaranteed amount or return is promised.

Note: The contribution shown by the calculator follows the rate book’s contribution table for your entry age, applied per Rs 1,000 of Sum Cover, on an annual basis. Final terms and conditions are as per the State Life Takaful membership documents.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance · WhatsApp/Call: 0336-3598210

← All Takaful Plans

Takaful Savings is a unit-linked, Shariah-compliant plan in which you choose your own contribution level. Your contributions accumulate in the Participants Investment Fund (PIF), while the plan provides life protection throughout the term — savings growth and family protection in one membership.

Salient features

• Contribution: chosen by the participant (level basic contribution, payable throughout the term) — no fixed rate table applies to this plan
• Entry age: 18 to 56 years
• Term: 10 to 48 years (maximum maturity age 66)
• Sum Cover: Basic Annual Contribution × term (see the book’s example below)
• Minimum basic contribution: Annual Rs 15,000 · Semi-Annual Rs 10,000 · Quarterly Rs 5,000 · Monthly Rs 2,500
• Death benefit: the higher of the Sum Cover or the Carrying Value of the Participants Investment Fund
• Fund choices: three Shariah-compliant funds — Conservative, Balanced and Aggressive — with free switching up to 3 times per membership year
• Surplus sharing: any surplus is shared through PIF units — 80% to participants / 20% to the Operator’s Shareholders Fund (OSF) as Modarib Fee, as printed in the rate book

Please note: this is a unit-linked plan. The value of your investment fund depends on investment performance, and the investment risk is borne by the participant — actual maturity and surrender values may be lower or higher than any illustration. No fixed or guaranteed maturity amount or return is promised.

Note: The Sum Cover shown by the calculator follows the rate book’s formula (Basic Annual Contribution × term). Final terms and conditions are as per the State Life Takaful membership documents.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance · WhatsApp/Call: 0336-3598210

← All Takaful Plans

Takaful Platinum Plus is a Shariah-compliant, bonus-based plan with a short contribution period: you contribute for only the first 3 years, while your coverage continues for 10 years — and you remain eligible for bonuses even after the contribution term ends.

Salient features

• Entry age: 1 to 60 years (maximum maturity age 70)
• Contribution paying term: 3 years only
• Coverage term: 10 years
• Contribution mode: Annual only
• Minimum contribution: Rs 65,000
• Contribution rates: fixed by the rate book per Rs 1,000 of Face Value, according to the participant’s age (Annexure-A1)
• Death benefit: twice the Face Value plus declared bonuses, together with the carrying value of the investment fund — as described in the rate book
• Maturity benefit: Face Value plus declared bonuses, plus the carrying value of the investment fund and any declared surplus, if applicable
• Bonuses: declared at the 10-year Takaful Endowment bonus rates, with 50% higher bonus rates for this plan, as printed in the rate book
• Unit allocations: 1st year 94% · 2nd year 97% · 3rd year 100%
• Rider: Accidental Death Benefit (ADB) only — maximum rider entry age 50; the ADB contribution is payable for 3 years while its protection runs for the entire membership term
• Surplus sharing: 97.5% to participants as bonuses / 2.5% to the Operator’s Shareholders Fund (OSF), as printed in the rate book

Please note: bonuses and surplus are declared according to the fund’s performance and the rate book’s rules — they are not guaranteed in advance. Final benefits are as per the membership documents.

Note: The contribution shown by the calculator is computed from the rate book’s Platinum Plus Contribution Rates (Annexure-A1). Final terms and conditions are as per the State Life Takaful membership documents.

For free advice, contact Ali Salman — Sales Manager, State Life Insurance · WhatsApp/Call: 0336-3598210