State Life plans, as packages

• ✓On maturity: basic sum assured plus all accrued bonuses.
• ✓On death during the term: basic sum assured plus accrued bonuses to the nominee.
• ✓Participates in State Life's annual bonus declarations (with-profit).

Best for: Salaried savers who want a fixed finish line — a house deposit, a child's degree, retirement capital.

⚡ Live premium available in the calculator

• ✓On maturity at year 20: basic sum assured plus all bonuses declared over the twenty years.
• ✓On death at any point in the 20 years: basic sum assured plus accrued bonuses.
• ✓Only seven annual premiums to pay; the policy then runs paid-up-in-full to maturity.

Best for: Earners who can commit strongly for a few years — overseas contracts, peak business years — and want nothing to pay after that.

⚡ Live premium available in the calculator

• ✓On maturity at year 10: basic sum assured plus bonuses accrued at the Platinum Plus rates.
• ✓On death during the ten years: basic sum assured plus accrued bonuses as at the date of death.
• ✓Premiums for three years only (annual mode).

Best for: People with a windfall or three strong years ahead — a bonus, a property sale, a contract abroad.

✉️ Premium quoted by official illustration

• ✓Survival benefit: 20% of the basic sum assured at one-third of the term and 20% at two-thirds.
• ✓At maturity: the remaining 60% of the sum assured plus all accrued bonuses.
• ✓On death during the term: the full basic sum assured plus accrued bonuses, regardless of instalments already taken.

Best for: Families who want savings discipline but know they will need cash at two points along the way.

⚡ Live premium available in the calculator

• ✓On maturity: basic sum assured plus accrued bonuses.
• ✓On death during the term: basic sum assured plus accrued bonuses.
• ✓Nothing further to pay after the single premium.

Best for: Anyone with a lump sum who wants it protected, growing and out of temptation's reach.

⚡ Live premium available in the calculator

• ✓Survival benefit: 25% of the sum assured at one-third of the term and 25% at two-thirds.
• ✓At maturity: the remaining 50% of the sum assured plus accrued bonuses.
• ✓On death during the term: full sum assured plus accrued bonuses plus any unclaimed survival benefits and special reversionary bonuses.

Best for: Savers who want larger mid-term cash-outs than Sada Bahar's 20% steps.

⚡ Live premium available in the calculator

• ✓On maturity: sum assured plus accrued bonuses.
• ✓On death during the term: double the sum assured plus accrued bonuses.
• ✓On accidental death: four times the sum assured plus accrued bonuses.

Best for: Sole earners with young dependants who want the biggest death benefit per rupee of premium in an endowment shape.

⚡ Live premium available in the calculator

• ✓At maturity: sum assured plus accrued bonuses to the child, as a lump sum or five annual instalments.
• ✓On the parent's death: all future premiums waived; the policy stays in force with full benefits.
• ✓Optional Family Income Benefit: a regular annual income to the child until maturity after the parent's death.

Best for: Parents of children under 15 who want a guaranteed fund at a known age.

⚡ Live premium available in the calculator

• ✓At maturity (both lives surviving): sum assured plus accrued bonuses.
• ✓On the parent's death: future premiums waived and an annual income to the child of 100 per 1,000 of sum assured until maturity.
• ✓On the child's death: 10%–100% of the sum assured plus bonuses by age (20%–100% with the optional higher schedule).

Best for: Parents who want the child's own life covered as well as the education fund.

⚡ Live premium available in the calculator

• ✓Survival benefit: 25% of the sum assured at one-third and two-thirds of the term (optional).
• ✓At maturity: sum assured plus accrued bonuses, less any instalments withdrawn.
• ✓On death: full sum assured plus accrued bonuses, plus a guaranteed ten-year income benefit to the family.

Best for: Breadwinners in their 20s to early 50s who want an income stream, not just a lump sum, left behind.

⚡ Live premium available in the calculator

• ✓Pension guaranteed for 25 years, then payable for life.
• ✓Single contribution — no ongoing premiums.
• ✓Lump-sum death benefit to nominees if death occurs within the first six years.

Best for: People approaching retirement with gratuity or provident-fund money to convert into income.

✉️ Premium quoted by official illustration

• ✓On death at any age: basic sum assured plus all accrued bonuses.
• ✓On survival to age 85: basic sum assured plus accrued bonuses paid as a maturity benefit.
• ✓Bonuses at State Life's Whole Life rates — the highest declared category.

Best for: People who want a guaranteed legacy for children or a spouse regardless of when they die.

⚡ Live premium available in the calculator

• ✓On maturity: sum assured plus attached bonuses.
• ✓On death: basic sum assured plus attached bonuses, paid immediately.
• ✓On accidental death: double the sum assured plus bonuses.

Best for: Sole earners whose family would need a monthly income, not just a lump sum, if they died.

✉️ Premium quoted by official illustration

• ✓On the first death: sum assured paid to the surviving partner; all future premiums waived; policy continues.
• ✓On the second death or at maturity: sum assured plus all accrued bonuses paid again.
• ✓Bonuses accrue for the full term at State Life's Endowment rates.

Best for: Couples who both contribute to the household and want each other protected in one premium.

⚡ Live premium available in the calculator

• ✓On maturity: the accumulated value of your Participant Investment Fund.
• ✓On death: the sum cover or the fund's carrying value, whichever is higher.
• ✓Any year-end surplus in the Takaful pool is distributed among participants proportionately.

Best for: Savers who want the saving-plus-protection structure but on a Shariah-compliant contract.

✉️ Premium quoted by official illustration

• ✓On maturity: sum covered plus declared bonuses from the Takaful fund, plus your investment account's value.
• ✓On death: sum covered plus declared bonuses, plus the investment account's value, to the family.
• ✓Year-end pool surplus distributed among participants proportionately.

Best for: Savers who like the endowment's fixed finish line but want a Shariah-compliant contract.

✉️ Premium quoted by official illustration

• ✓Contribute for the first 7 years only; membership and benefits continue to year 20 (per the official brochure).
• ✓Benefits combine the sum covered, declared bonuses from the Takaful fund and your investment account's value.
• ✓Year-end pool surplus distributed among participants proportionately.

Best for: High-earning years now, lighter commitments later — business owners and overseas earners especially.

✉️ Premium quoted by official illustration

• ✓Contribute for 3 years; covered and participating for 10.
• ✓On death: twice the face value plus declared bonuses, plus the investment fund's carrying value.
• ✓On maturity: face value plus declared bonuses, the investment fund's value and any declared surplus.

Best for: Savers with strong cash flow now who want the shortest possible commitment on the Shariah track.

✉️ Premium quoted by official illustration

• ✓On maturity: the accumulated value of the child's investment fund, for education, marriage or a start in life.
• ✓If the payer dies: future contributions are waived and credited to the fund by State Life; the plan completes for the child.
• ✓If the child dies while the payer lives: switch the membership to another child, continue it, or end it and take the fund's value.

Best for: Parents who want the education fund on a Shariah-compliant contract.

✉️ Premium quoted by official illustration