🧮 Maturity & profit
State Life maturity calculator
What a State Life policy grows to: sum assured plus every bonus at the rates declared in the 2025 valuation. Pick the plan type, term and sum assured — then get the premium from State Life's official calculator below.
1
Premium is one calculator
State Life's official calculator answers: what does Rs X of sum assured cost per month or year for my age and term? We relay it live below.
2
Maturity is arithmetic on bonuses
Maturity value = sum assured + reversionary bonuses (a declared rate per Rs 1,000 for every policy year) + terminal bonus on longer policies. This page does that arithmetic.
3
Together they show the trade
Premium in, maturity out. Compare the two on the same page and you can see what each extra year of term or rupee of sum assured actually changes.
Illustration at declared rates
Estimate the maturity value
Uses the reversionary bonus bands and terminal bonus rule from State Life's bonus page (valuation 2025-12-31). Money-back plans show the amount paid to you during the term separately.
Rates: Rs 52 / 117 / 178 per 1,000 sum assured per year for policy years 1–5 / 6–16 / 17+ (band for terms of 20+ years), as declared at State Life's 2025-12-31 valuation.
Illustration at declared rates
- Sum assured at maturity
- Rs 1,000,000
- + Reversionary bonuses, 20 yrs (Rs 2,259 per 1,000)
- Rs 2,259,000
- + Terminal bonus (10 premium-yrs beyond 10)
- Rs 900,000
Est. total benefit
Rs 4,159,000
Bonuses are declared annually and are not guaranteed; this shows what the last declared rates would produce. It does not include the premium — use the premium calculator below for that, or ask us for State Life's official illustration.
Now the premium
What that sum assured costs — live from State Life
Pick the plan, your age, term and the sum assured you just illustrated; State Life's official calculator returns the premium for each payment mode.
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.
Maturity questions
How the maturity value is worked out
Does State Life have an official maturity calculator?
No. State Life's official online calculator returns the premium for a plan, age, term and sum assured. Maturity value is worked out from the sum assured and the bonus rates State Life declares each year — which is what this page does, using the published rates. Your agent's printed illustration uses the same rates.
Is this the "State Life 20 years policy profit calculator"?
Yes, in effect: choose the plan type, a 20-year term and your sum assured, and it shows the reversionary bonuses over 20 years plus the terminal bonus for the ten premium-years beyond the first ten. For the premium that buys that sum assured, use the official calculator further down.
Are State Life bonuses compounded?
No. Reversionary bonuses are simple additions per Rs 1,000 of sum assured for each policy year, at the rate for that year band. They do not earn bonus on bonus, which is why the totals here are straightforward multiplication.
Why might my agent's figure differ?
Illustrations differ if they assume future bonus rates rising (or falling), include or exclude the terminal bonus, or use an older declaration. This page uses only the last declared rates with no projection — a deliberately conservative basis.
What is the terminal bonus and when does it apply?
Rs 90 per Rs 1,000 sum assured for every premium-year beyond ten (capped at Rs 1,800 per 1,000), paid on maturity or earlier death. It does not apply to Anticipated Endowment policies, and a single-premium policy has only one premium-year, so earns none.
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
Want State Life's official illustration?
Tell us the plan, sum assured and term and we send the printed illustration with premium and maturity side by side — free, within one business day.
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.