📅 10-year policies
State Life 10-year plan calculator
The ten-year State Life policy, with the honest caveat: it is the lowest bonus band. Premium preset to a 10-year term below; maturity illustrated on Rs 1,000,000 at the 2025 declared rates, next to the Platinum Plus alternative.
Profit at declared rates
Three ten-year routes, on Rs 1,000,000
Ten-year endowments use the "14 years and less" band and earn no terminal bonus. Platinum Plus has its own, higher row — which is why it dominates the ten-year comparison.
Endowment (Table-03), 10 years
Pay 10 years, covered 10 — lowest endowment band.
- Sum assured
- Rs 1,000,000
- + Bonuses, 10 yrs at declared rates
- Rs 505,000
Est. total benefit
Rs 1,505,000
Platinum Plus, pay 3 → 10 years
Own bonus row, 50% above the 10-year endowment.
- Sum assured
- Rs 1,000,000
- + Bonuses, 10 yrs at declared rates
- Rs 760,000
Est. total benefit
Rs 1,760,000
Shad Abad (Table-36), 10 years
Same maturity shape; double sum assured on death.
- Sum assured
- Rs 1,000,000
- + Bonuses, 10 yrs at declared rates
- Rs 505,000
Est. total benefit
Rs 1,505,000
The honest note
Per Rs 1,000 of sum assured, a 10-year endowment earns Rs 505 of bonus over its life; a 20-year endowment earns Rs 2,259 plus terminal bonus. If your goal can wait, the longer term is not a little better — it is a different league. We say this on the page so you don't hear it after signing.
Illustrations at State Life's declared rates (valuation 2025-12-31); bonuses are not guaranteed.
Your exact number
Your 10-year premium, live from State Life
Preset to the Endowment with a 10-year term — switch to Shad Abad or the Single Premium Endowment to compare. Platinum Plus is quoted by illustration.
Your estimate appears here
Every figure comes straight from State Life's official premium calculator — we don't make numbers up. Your final premium is confirmed on the policy illustration after underwriting.
Good to know
- • The consultation and our advice are free — you pay only your plan premium.
- • With-profit plans add State Life bonuses on top of the sum assured.
- • We handle the paperwork and stay with you to claims and maturity.
10-year questions
Ten years, answered straight
Is a 10-year State Life plan worth it?
Be clear-eyed: ten-year endowments sit in State Life's lowest bonus band (Rs 505 per 1,000 over the term versus Rs 2,259 for a 20-year policy) and earn no terminal bonus because the premium-paying term does not exceed ten years. It suits a goal that is genuinely ten years away; for open-ended saving a longer term illustrates far better.
What is the best State Life plan for 10 years?
For a ten-year horizon, Platinum Plus usually illustrates strongest — three premiums, ten years of cover and a bonus row 50% above the standard 10-year endowment. If you want to pay across all ten years, the Endowment or Shad Abad (for extra death cover) are the straightforward choices.
What is the 10-year plan price?
The premium depends on age and sum assured; the calculator on this page is preset to a 10-year term so you can see your own figure instantly. Platinum Plus is quoted by illustration — ask us.
Can I get my money back after 10 years on a longer policy?
You can surrender a longer policy after ten years, but the surrender value is below the maturity value and forfeits the terminal bonus. If ten years is your real horizon, choose a ten-year plan rather than planning to exit a 20-year one early.
Does the terminal bonus apply to a 10-year policy?
No. State Life pays the terminal bonus per premium-year beyond ten, so a ten-year policy earns none; an 11-year policy earns one year's worth.
Free
Consultation, always — advice costs you nothing
1 day
Maximum response time, Monday to Saturday
AAA
State Life's financial rating — Pakistan's only AAA-rated insurer
1972
State Life serving Pakistan since — state-owned and guaranteed
Free consultation
Get a 10-year illustration — including Platinum Plus
Tell us your age and the sum assured or budget you have in mind; we send the official illustrations for the ten-year options, Platinum Plus included.
Sidq Advisorsis an independent advisory practice, not State Life's official website. Figures are illustrations per State Life's calculator and declared bonus rates; final terms per State Life's policy documents.