🛡️ State Life plans
Plans explained, honestly.
The State Life savings and investment plans we advise on — what each one is for, and what it generally includes. We'll match the right one to your goal.
Guaranteed Savings & Endowment
Disciplined, protected savings with life cover built in — plans like Sada Bahar even pay part of your money back during the term, not just at the end.
Who it's for: Anyone building a guaranteed lump sum for a future goal while staying protected.
State Life plans for this goal
What this plan generally includes
- Sada Bahar pays part of your sum assured back in stages during the term — the rest, plus accrued bonuses, at maturity
- Golden Endowment: 20 years of cover with premiums for only the first 7 years
- Platinum Plus: 10 years of cover with premiums for only the first 3 — and, State Life states, bonuses 50% higher than a standard 10-year endowment
- With-profit plans that share in State Life's declared bonuses over the term
Exact premium, term, returns and maturity value are set out in a personal illustration — we'll walk you through it in plain language before you commit.
Child Education & Marriage
Save steadily for your child's education or wedding — and if something happens to you, premiums are waived and the plan continues with full benefits.
Who it's for: Parents planning ahead for a child's education or marriage costs.
State Life plans for this goal
What this plan generally includes
- A payout timed to your child's milestone — age 18, 21 or 25 depending on the plan — for education, marriage or starting out
- If a parent passes away, future premiums are waived and the plan continues with full benefits
- Maturity paid as a lump sum or in five equal annual instalments
- Shehnai adds built-in automatic annual increases so the plan keeps pace with rising costs
Exact premium, term, returns and maturity value are set out in a personal illustration — we'll walk you through it in plain language before you commit.
Retirement & Pension
Build a retirement fund during your working years and turn it into a pension — guaranteed for a fixed period, then continued for life.
Who it's for: Anyone who wants a self-funded, dignified retirement.
State Life plans for this goal
What this plan generally includes
- Personal Pension Scheme: a pension guaranteed for a fixed period, then continued for life
- Pension payments with automatic annual increases under the plan's terms
- Deferred annuities that build retirement income by single or annual premiums
- Death benefits for your family under each plan's terms
Exact premium, term, returns and maturity value are set out in a personal illustration — we'll walk you through it in plain language before you commit.
Family Protection + Savings
Long-term life cover that also builds a cash value over time — including joint plans that cover both partners in one policy.
Who it's for: Families who want lasting protection and a growing cash value in one plan.
State Life plans for this goal
What this plan generally includes
- Whole Life: cover that lasts your lifetime while building a cash value
- Jeevan Saathi covers both partners in one plan — on the first death the survivor is paid the sum insured, future premiums are waived and cover continues
- Muhafiz Plus adds double payout on accidental death and a fixed family income paid for 15 years
- Policy loans available against the plan's value after the early years
Exact premium, term, returns and maturity value are set out in a personal illustration — we'll walk you through it in plain language before you commit.
Takaful (Shariah-Compliant)
State Life's Tayyab Takaful range — the savings, endowment and child plans in Shariah-compliant form, run on the Wakala–Waqf model with surplus shared among participants.
Who it's for: Savers who want their plan run on Islamic principles, end to end.
State Life plans for this goal
What this plan generally includes
- Contributions pool in a shared Waqf fund under the Wakala–Waqf model — State Life administers the fund as your Wakeel
- On death, the higher of your fund's value or the sum cover is paid
- Any surplus in the fund is distributed among participants proportionately
- Takaful versions of the savings, endowment, Golden Endowment, Platinum Plus and child-education plans
Exact premium, term, returns and maturity value are set out in a personal illustration — we'll walk you through it in plain language before you commit.
How it works
Three steps, no pressure
01
Tell us what you need
Share a few details about yourself and the coverage you're looking for.
02
We compare & explain
We shortlist plans from reputable insurers and walk you through the fine print — in plain language.
03
You decide, we handle the rest
Paperwork, follow-ups and claims support. You stay covered, we stay accountable.
Who provides the plans
Backed by a name you already know
State Life Insurance
State Life Insurance Corporation of Pakistan has served the country since 1972 and is its largest life and health insurer — state-owned, AAA-rated, with policyholder benefits backed by a Government of Pakistan guarantee. Sidq Advisors helps you choose the right State Life plan for your goal — from Sada Bahar and the endowment plans to child education, pension schemes and the Shariah-compliant Tayyab Takaful range — explains the returns, bonuses and terms in plain language, and handles the paperwork and follow-up for you.
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
Not sure which plan fits?
Tell us your goal. We'll compare the options, explain the returns and terms, and come back to you within one business day — at no cost.