🕌 Takaful quotes, done properly
State Life Takaful calculator
Straight answer: Takaful plans aren't in State Life's online calculator — they're quoted by official personal illustration. We arrange yours free, usually within a business day.
How the numbers work
Three steps to your official Takaful figure
01
Tell us three things
Your age, your goal, and the contribution you can sustain — WhatsApp or the form below, either works.
02
We request the illustration
The official Tayyab window illustration, on State Life's format, with the charges and projections spelled out.
03
We walk you through it
Plain language, line by line — including what is promised, what is projected, and the difference.
What you can be quoted on
The Tayyab Takaful plans
Takaful Savings Plan
Minimum contribution 15,000 a year (2,500 monthly); lump-sum top-ups (Fund Acceleration Contributions) from 10,000.
Shariah-compliant saving under State Life's SECP-licensed Tayyab window: your contributions build a unit-linked investment fund inside a participants' pool, with family cover and proportionate surplus sharing instead of interest.
Plan details →Takaful Endowment Plan
Minimum contribution 15,000 a year (1,400 monthly).
The endowment structure on the Shariah-compliant track: a fixed sum covered plus declared bonuses from the participants' Takaful fund, alongside a personal investment account.
Plan details →Takaful Golden Endowment Plan
Quoted by personal illustration; State Life's brochure describes contributions for the first 7 years with cover to year 20. We confirm exact eligibility for your age when we prepare the illustration.
The Golden Endowment's pay-for-7, covered-for-20 structure on the Shariah-compliant Tayyab track — contributions stop early, membership and benefits run on.
Plan details →Takaful Platinum Plus Plan
Minimum contribution 65,000 a year, payable for the first 3 years only.
Three years of contributions, ten years of Shariah-compliant cover — and on death the family receives twice the face value plus bonuses and the fund's value.
Plan details →Takaful Child Education & Marriage Plan
Minimum contribution 15,000 a year (2,500 monthly).
Fund a child's education or marriage on the Shariah-compliant track — and if the payer dies, State Life credits the remaining contributions itself so the child's fund still completes.
Plan details →Orientation only
Curious what a similar conventional plan costs?
This is State Life's official calculator for its conventional plans. Use it for a rough feel of premiums at your age — your Takaful figure comes from the personal illustration, which we arrange free.
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.
Takaful quotes
Before you ask for numbers
Is there a State Life Takaful calculator online?
No — State Life's public calculator quotes conventional plans only. Tayyab Takaful plans are quoted by official personal illustration from the Takaful window. Send us your age, goal and intended contribution and we return the illustration, free, usually within one business day.
What will the illustration show?
Your contribution schedule, the sum covered or fund projection under the plan's rules, the Takaful charges, and the death benefit — on State Life's official format. For unit-linked plans the projections are scenarios, not promises, and the document says so.
What are the minimum contributions?
From the official plan pages: Takaful Savings and the Child plan start at 15,000 a year (2,500 monthly); the Takaful Endowment from 15,000 a year (1,400 monthly); Takaful Platinum Plus from 65,000 a year, paid for the first 3 years only.
Can I use the conventional calculator to estimate a Takaful plan?
Only as a rough feel for what a similar sum assured costs conventionally — the contracts and charges differ, so treat it as orientation, never a quote. The tool below is that conventional calculator; your Takaful number comes from the illustration.
Are Takaful returns guaranteed?
No fixed return is promised — that is part of what makes the structure Shariah-compliant. Benefits combine the plan's sum covered (where it has one), declared bonuses or fund value, and proportionate surplus distributions from the participants' pool.
Free consultation
Get your Takaful illustration — free
Tell us your age, goal and budget. We return State Life's official Tayyab illustration and explain it line by line.
Prefer to just ask?
Message us your budget on WhatsApp — a real advisor replies, mon–sat · 9am–7pm.
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.