What will your State Life plan actually give you?

Everything a plan does with your money in one place: the premium (live from State Life's own calculator), the sum assured it buys, the bonuses that accrue at the currently declared rates, any money-back payouts during the term, the terminal bonus, the illustrated maturity value, and the return on what you paid in — plus a year-by-year picture of what your family would receive if you died in any given year.

Yes. When you press the button we ask State Life's official premium calculator for your plan, age, term and sum assured and show its answer unchanged. State Life notes the final premium is confirmed after underwriting.

No — and any site that tells you otherwise is misleading you. The sum assured is guaranteed. Bonuses are declared each year after State Life's actuarial valuation; we illustrate at the rates declared on 2025-12-31. Future declarations can be higher or lower. State Life's own illustration carries the same caveat.

State Life prices per Rs 1,000 of sum assured, so the premium scales with the amount covered. We quote Rs 1,000,000 once to learn the rate for your age and term, work out the sum assured your budget buys (rounded to Rs 50,000), then re-quote that exact sum assured with State Life so the premium you see is theirs, not our arithmetic.

Every conventional with-profit plan State Life publishes bonus rates for: Endowment, Golden Endowment, Sada Bahar, Three Payment, Single Premium Endowment, Shad Abad, Child Education & Marriage, Child Protection, Family Pension, Whole Life, Jeevan Saathi and Joint Life Endowment get live premiums; Platinum Plus and Muhafiz Plus are illustrated from a sum assured because State Life quotes them offline. Pension annuities and the unit-linked Takaful plans are excluded — they have no published bonus scale to illustrate honestly.

The illustrated total benefit (maturity value plus any money paid to you during the term) divided by everything you pay in. A 20-year Endowment at Rs 1,000,000 for a 30-year-old, for example, illustrates to roughly four times the premiums paid. It is a simple multiple, not an annualised rate, and it includes the life cover you had throughout.

State Life's public calculator rates joint-life plans on the first life entered; the second life's age is captured for the illustration. The exact joint premium is confirmed on the official illustration we obtain for you.