Life insurance,
explained simply.
بیمۂ حیات یعنی بیمۂ زندگی
Hayat means life, energy — the force that keeps a family going. That energy earns the money that puts food on the table, clothes on your back, a roof over your head, and your children through school. But life is uncertain. Life insurance is the umbrella that keeps your family standing when the rain comes. 54 years of State Life behind every policy. No jargon, no pressure, just the right plan for you.
حیات یعنی زندگی، توانائی — وہ قوت جو خاندان کو آگے بڑھاتی ہے۔ یہی توانائی روٹی، کپڑا، مکان اور تعلیم کا بندوبست کرتی ہے۔ مگر زندگی غیر یقینی ہے۔ لائف انشورنس وہ چھتری ہے جو بارش میں آپ کے خاندان کو سنبھالتی ہے۔ ہر پالیسی کے پیچھے اسٹیٹ لائف کے ۵۴ سال۔ کوئی پیچیدگی نہیں، کوئی دباؤ نہیں — بس آپ کے لیے صحیح پلان۔
Our Plans
From short-term savings to lifelong family protection, there is a plan built for every stage of life.
Platinum Plus
Pay for just 3 years and stay covered for 10. Bonus rates 50% higher than standard endowment.
- Pay premiums for only 3 years
- 50% higher bonus than standard plans
- Adults (20-65) and minors (1-19)
Golden Endowment
Pay for 7 years, enjoy protection for 20. Strong maturity returns with limited commitment.
- 7-year premium, 20-year coverage
- Ages 20 to 55
- Same bonus as 20-year endowment
Endowment Assurance
The classic plan. Choose your term, pay throughout, get full maturity benefits with bonuses.
- Flexible terms: 10 to 35 years
- Multiple payment modes
- All supplementary riders available
Child Education & Marriage
Secure your child's future. Premiums are waived and policy stays intact if policyholder passes away.
- Built-in family income benefit (T-75)
- Premiums waived if policyholder dies
- 24% of SA paid annually till maturity
Jeevan Sathi (Joint Life)
One policy, two lives covered. If either spouse passes away, SA is paid and premiums are waived.
- Covers husband and wife together
- If one dies: SA + bonuses paid
- Remaining premiums waived
Anticipated Endowment
Periodic payouts during the term. 25% of SA at each third, plus bonuses at maturity.
- 25% SA at 1/3rd and 2/3rd of term
- 50% SA + bonuses at maturity
- Terms: 18, 21, 24 years
Takaful Endowment
Shariah-compliant endowment combining savings and life protection.
- Ages 18-65, terms 10-57 years
- Annual & Semi-Annual
- Request a quote
Takaful Golden Endowment
Pay for 7 years, stay covered for 20. Shariah-compliant savings and protection.
- Ages 20-55 (max maturity 75)
- Annual mode
- Request a quote
Takaful Platinum Plus
Pay for 3 years, stay covered for 10. Bonus 50% higher than Takaful Endowment.
- Ages 1-60 (max maturity 70)
- Min Rs 65,000/yr
- Request a quote
Premium Calculator
Instant estimates using actual 2025 State Life rates. All riders calculated automatically.
Supplementary Riders (optional — all rates auto-calculated)
This plan requires personalized calculation based on your specific details.
Get Quote on WhatsAppPremiums shown are illustrative estimates based on the 2025 State Life Rate Book. Actual premiums may vary based on medical examination, underwriting, and applicable taxes.
Why State Life?
Pakistan’s largest and most trusted life insurer, backed by the federal government.
Government Guarantee
Owned by the Government of Pakistan. Your money is as safe as it gets.
AAA Rating by PACRA
Highest possible credit rating. Unmatched financial strength.
97.5% Surplus Ratio
Nearly all funds available for policyholder benefits. Higher bonuses for you.
54 Years of Service
Operating since 1972. Over half a century of paying claims.
Millions of Policyholders
Trusted by families across Pakistan, from cities to villages.
How It Works
Getting insured is simpler than you think.
Choose a Plan
Pick the plan that fits your family's needs and budget.
Calculate Premium
Use our calculator to see exact costs based on your age and sum assured.
Submit Documents
Share your CNIC, photos, and medical details. We handle the paperwork.
Get Covered
Your policy is issued within days. Your family is now protected.
Four Decades of Recognition
From basic training in 1987 to international LIMRA certifications in Hartford, Connecticut and Gold Medal awards — a journey of continuous learning at State Life.
Yusuf Zafar Hayati
Meet Your Advisor
My surname Hayati comes from Hayat which means life. Beema e Hayat translates to life insurance. When people ask what I do, my name already answers that question.
Read Yusuf's full story →Insurance Guides
Honest, clear articles about State Life plans — no jargon, no sales pressure.
Platinum Plus vs Golden Endowment — Which Plan is Right for You?
A clear, honest side-by-side comparison of State Life's two most popular savings plans.
State Life Takaful: Complete Guide to Shariah-Compliant Insurance in Pakistan
Is Takaful really halal? How does the Wakalah-Waqf model work? All questions answered.
Insurance Explained Simply
Watch official State Life videos to understand how each plan works — before you decide anything.
More videos coming soon
Common Questions
Straight answers to what people actually ask.
State Life Insurance Corporation of Pakistan is a government-owned life insurance company established in 1972. It is the largest life insurer in the country with a sovereign guarantee on all policies.
It depends on your age, the plan, and coverage amount. A 30-year-old getting Platinum Plus for Rs 5 lakh SA pays roughly Rs 1,40,000/year for just 3 years. Use our calculator for exact numbers.
Platinum Plus (Table 91) is State Life’s most attractive plan. Pay for 3 years, stay covered for 10. Bonus rate is 50% higher than regular endowment. Available for adults (20-65) and children (1-19).
Your nominee receives the full sum assured plus declared bonuses, regardless of premiums paid. With ADB rider, accidental death doubles the payout.
Yes. Tayyab Takaful offers Savings, Endowment, Child Education, and Golden Endowment variants — all Shariah-compliant with independent Shariah advisory oversight and the same government guarantee.
ADB (accidental death — Rs 3.45 for Platinum, Rs 2.78 for Golden, Rs 1.25 for other plans), AIB (accident indemnity, Rs 4/1000), WP (waiver on disability, Rs 0.50-1.00/1000), SWP (special waiver incl. sickness), TIR (doubles coverage), FIB (family income 10-50%), GI (guaranteed future coverage), and RPR (refund all premiums on death). All are calculated automatically in our calculator.
Yes. Table 75/76 is designed for children. Parents, grandparents, or even uncles/aunts can take out a policy. If the policyholder dies, future premiums are waived and the child still gets full maturity benefit.
CNIC copy and financial evidence (income proof). Medical requirements depend on your age and sum assured per the Underwriting Chart. Use our calculator to see exact medical requirements for your case.
Ready to protect your family?
Start your State Life proposal online — a clear, step-by-step form. Or message Yusuf and he will guide you through every step.
Get a Free Quote
Fill the form and we’ll reach out on WhatsApp with a personalized recommendation.