📅 20-year policies
State Life 20-year plan calculator
The classic "20 years policy" — what it costs and what it illustrates to at the declared 2025 bonus rates. Premium preset to a 20-year term below; profit illustrated on Rs 1,000,000 of sum assured.
Profit at declared rates
Three ways to run a 20-year policy, on Rs 1,000,000
Reversionary bonuses at the 20-year-and-over band (Rs 105 per 1,000 per year for years 1–5, then the higher bands) plus terminal bonus where the premium-paying term exceeds ten years.
Endowment (Table-03), 20 years
Pay 20 years, covered 20.
- Sum assured
- Rs 1,000,000
- + Bonuses, 20 yrs at declared rates
- Rs 2,259,000
- + Terminal bonus
- Rs 900,000
Est. total benefit
Rs 4,159,000
Sada Bahar (Table-74), 21 years
20% + 20% paid to you at years 7 and 14.
- 60% of sum assured at maturity
- Rs 600,000
- Paid to you during the term
- Rs 400,000
- + Bonuses, 21 yrs at declared rates
- Rs 2,275,000
- + Terminal bonus
- Rs 990,000
Est. total benefit
Rs 4,265,000
Golden Endowment (Table-81), 7 → 20
Pay 7 years, covered and earning for 20.
- Sum assured
- Rs 1,000,000
- + Bonuses, 20 yrs at declared rates
- Rs 2,259,000
Est. total benefit
Rs 3,259,000
Verified premiums — State Life's calculator, age 30 male, per Rs 1,000,000 sum assured (fetched 2026-08-17)
Endowment (Table-03), 20 years
PKR 48,020/year · PKR 4,322/month
Sada Bahar (Table-74), 21 years
PKR 55,450/year · PKR 4,991/month
Golden Endowment (Table-81), 7 → 20
PKR 106,450/year · PKR 9,581/month
Illustrations at State Life's declared rates (valuation 2025-12-31); bonuses are not guaranteed.
Your exact number
Your 20-year premium, live from State Life
Preset to the Endowment with a 20-year term — change the plan to Sada Bahar (21 years) or Golden Endowment (7-year payment) to compare.
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.
20-year questions
The 20-year policy, answered
How much profit does a 20-year State Life policy give?
At the 2025 declared rates an endowment-type policy of 20 years earns Rs 2,259 of reversionary bonus per Rs 1,000 sum assured over the term, plus a terminal bonus for the ten premium-years beyond ten. On Rs 1,000,000 of sum assured that illustrates to roughly Rs 4,159,000 at maturity. Bonuses are not guaranteed; the cards above show the arithmetic.
What is the premium for a 20-year State Life policy?
It depends on your age, the plan and the sum assured. As a verified example, State Life's calculator quoted the 20-year Endowment at PKR 48,020 a year per Rs 1,000,000 sum assured for a 30-year-old man. Use the calculator on this page — it is preset to 20 years — for your own figure.
Why is 20 years the sweet spot?
State Life's endowment bonus bands step up at 15 and 20 years: 20-year-and-over policies earn the highest declared rate in every policy year, and the terminal bonus only starts after the tenth premium-year. A 20-year policy captures both.
Endowment, Sada Bahar or Golden Endowment for 20 years?
Endowment maximises the maturity lump sum; Sada Bahar pays you 40% of the sum assured along the way and 60% plus bonuses at the end, at a higher bonus rate; Golden Endowment gives the same 20-year cover for seven years of premiums. We illustrate all three side by side in a consultation.
Can I check a 20-year policy's value online?
Existing policyholders can see their policy details through State Life's own portal; this page is for planning a new policy. If you already hold one, send us the policy number and we will explain the current bonuses attached.
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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 20-year illustration for your age
Tell us your date of birth and monthly or yearly budget — we send State Life's official 20-year illustration for the plans that fit, side by side.
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.