📋 The complete list
State Life plans list 2026
Every State Life savings, child, pension and protection plan we advise on — what each one is for, how long you pay, how long you're covered, and whether the online calculator quotes it.
19 plans, one table
Every plan at a glance
| Plan | Table | Goal | Shape | Terms (yrs) | Entry age | Online quote |
|---|---|---|---|---|---|---|
| Endowment PlanState Life's classic savings-plus-protection plan | 03 | 💰 Guaranteed Savings | Full-term endowment | 10–55 | 10–65 | ✓ Calculator |
| Golden EndowmentPay premiums for seven years only, stay insured and keep earning bonuses for the full twenty | 81 | 💰 Guaranteed Savings | Pay 7 yrs · cover 20 | 20 | 20–55 | ✓ Calculator |
| Platinum Plus PlanThree annual premiums, ten years of cover and bonuses State Life declares 50% higher than a standard 10-year endowment | — | 💰 Guaranteed Savings | Pay 3 yrs · cover 10 | 10 | 1–65 | Illustration |
| Sada Bahar PlanA savings plan that pays you back along the way | 74 | 💰 Guaranteed Savings | Money-back 20% + 20% | 12 / 15 / 18 / 21 / 24 / 27 / 30 | 20–60 | ✓ Calculator |
| Endowment by Single PremiumOne payment, one policy | 09 | 💰 Guaranteed Savings | Single premium | 10 / 15 / 20 / 25 / 30 / 40 / 50 | 20–60 | ✓ Calculator |
| Three Payment Plan (Anticipated Endowment)The original money-back plan | 05 | 💰 Guaranteed Savings | Money-back 25% + 25% | 18 / 21 / 24 / 27 / 30 | 20–57 | ✓ Calculator |
| Shad Abad PlanAn endowment with doubled protection | 36 | 🛡️ Family Protection + Savings | Full-term endowment | 10 / 15 / 20 / 25 | 20–60 | ✓ Calculator |
| Child Education & Marriage PlanA payout timed to your child's milestone | 76 | 🎓 Child Education | Full-term endowment | 10–24 | 20–60 | ✓ Calculator |
| Child Protection PlanA joint policy on parent and child | 07 | 🎓 Child Education | Joint life | 10–24 | 20–50 | ✓ Calculator |
| Family Pension PlanA three-payment plan with a family safety net | 12 | 🌅 Retirement | Money-back 25% + 25% | 18 / 21 | 20–52 | ✓ Calculator |
| Personal Pension SchemeTurn a one-time contribution into a pension guaranteed for 25 years and then for life | 71 | 🌅 Retirement | Single premium | By illustration | 18– | Illustration |
| Whole Life PlanCover that never expires | 01 | 🛡️ Family Protection + Savings | Whole of life | Life | 10–65 | ✓ Calculator |
| Muhafiz PlusAn endowment with a built-in family income | 78 | 🛡️ Family Protection + Savings | Full-term endowment | By illustration | — | Illustration |
| Jeevan Saathi PlanOne policy for two lives | 19 | 🛡️ Family Protection + Savings | Joint life | By illustration | 20–50 | Illustration |
| Takaful Savings PlanShariah-compliant saving under State Life's SECP-licensed Tayyab window | — | 🕌 Takaful (Shariah-Compliant) | Full-term endowment | 10–48 | 18–56 | Illustration |
| Takaful Endowment PlanThe endowment structure on the Shariah-compliant track | — | 🕌 Takaful (Shariah-Compliant) | Full-term endowment | 10–57 | 18–65 | Illustration |
| Takaful Golden Endowment PlanThe Golden Endowment's pay-for-7, covered-for-20 structure on the Shariah-compliant Tayyab track | — | 🕌 Takaful (Shariah-Compliant) | Pay 7 yrs · cover 20 | By illustration | — | Illustration |
| Takaful Platinum Plus PlanThree years of contributions, ten years of Shariah-compliant cover | — | 🕌 Takaful (Shariah-Compliant) | Pay 3 yrs · cover 10 | 10 | 1–60 | Illustration |
| Takaful Child Education & Marriage PlanFund a child's education or marriage on the Shariah-compliant track | — | 🕌 Takaful (Shariah-Compliant) | Full-term endowment | 10–30 | 18–57 | Illustration |
Facts paraphrased from each plan's official State Life page and calculator; every plan page links to its source.
💰 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.
Anyone building a guaranteed lump sum for a future goal while staying protected.
Table 03
Endowment Plan
State Life's classic savings-plus-protection plan: pay for a fixed term, get the sum assured plus every bonus declared along the way — and your family gets the same if you don't make it to maturity.
Details + calculator →Table 81
Golden Endowment
Pay premiums for seven years only, stay insured and keep earning bonuses for the full twenty — State Life's limited-pay endowment for people who want a short commitment and a long result.
Details + calculator →Wealth management
Platinum Plus Plan
Three annual premiums, ten years of cover and bonuses State Life declares 50% higher than a standard 10-year endowment — the shortest commitment in the State Life range.
Details + illustration →Table 74
Sada Bahar Plan
A savings plan that pays you back along the way: 20% of the sum assured at one-third of the term, another 20% at two-thirds, and 60% plus all bonuses at maturity — with bonus rates 25% above the standard anticipated endowment.
Details + calculator →Table 09
Endowment by Single Premium
One payment, one policy: put a lump sum into a full endowment and let cover and bonuses run to maturity with nothing further to pay.
Details + calculator →Table 05
Three Payment Plan (Anticipated Endowment)
The original money-back plan: 25% of the sum assured at one-third of the term, 25% at two-thirds, and the remaining 50% plus all bonuses at maturity.
Details + calculator →🎓 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.
Parents planning ahead for a child's education or marriage costs.
Table 76
Child Education & Marriage Plan
A payout timed to your child's milestone — age 18, 21 or 25 — that keeps going even if you are not there: premiums are waived on the parent's death and the plan pays in full.
Details + calculator →Table 07
Child Protection Plan
A joint policy on parent and child: the sum assured plus bonuses when both reach maturity, premiums waived and an income paid to the child if the parent dies, and a scaled benefit if the child dies.
Details + calculator →🌅 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.
Anyone who wants a self-funded, dignified retirement.
Table 12
Family Pension Plan
A three-payment plan with a family safety net: 25% of the sum assured back at one-third and two-thirds of the term, and a guaranteed ten-year income to the family on top of the lump sum if you die.
Details + calculator →Table 71
Personal Pension Scheme
Turn a one-time contribution into a pension guaranteed for 25 years and then for life — State Life's answer to "what if I outlive my savings?"
Details + illustration →🛡️ 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.
Families who want lasting protection and a growing cash value in one plan.
Table 36
Shad Abad Plan
An endowment with doubled protection: twice the sum assured on death, four times on accidental death, and the sum assured plus bonuses if you reach maturity.
Details + calculator →Table 01
Whole Life Plan
Cover that never expires: the sum assured plus every bonus ever declared goes to your family whenever you die — or to you at 85 — with State Life's highest declared bonus rates.
Details + calculator →Table 78
Muhafiz Plus
An endowment with a built-in family income: double the sum assured on accidental death, and a fixed yearly income to your dependants for 15 years on top of the lump sum.
Details + illustration →Table 19
Jeevan Saathi Plan
One policy for two lives: on the first death the sum assured is paid and all future premiums stop, yet the policy continues to maturity — when the survivor collects the sum assured plus bonuses again.
Details + illustration →🕌 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.
Savers who want their plan run on Islamic principles, end to end.
Wealth management
Takaful Savings Plan
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.
Details + illustration →Wealth management
Takaful Endowment Plan
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.
Details + illustration →Wealth management
Takaful Golden Endowment Plan
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.
Details + illustration →Wealth management
Takaful Platinum Plus Plan
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.
Details + illustration →Wealth management
Takaful Child Education & Marriage Plan
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.
Details + illustration →Other ways to choose
Start from your goal, your budget or the numbers
Choosing a plan
Questions people ask first
How many State Life plans are there in 2026?
State Life sells several dozen tables across individual life, group, health and Takaful. This page covers the 19 individual savings, protection, child and pension plans people actually buy — each with its own detailed page — and we add the rest as we verify them against State Life's official pages.
Which State Life plans can I calculate online?
State Life's official premium calculator quotes 10 of the plans listed here, including the Endowment, Sada Bahar, Golden Endowment, Shad Abad, Child Education & Marriage and Whole Life. Platinum Plus, Jeevan Saathi, the Personal Pension Scheme and Muhafiz Plus are quoted by personal illustration instead — we prepare those free.
Which State Life plan is best for 20 years?
For a plain 20-year savings goal the Endowment (Table-03) sits in State Life's highest endowment bonus band; the Golden Endowment gives the same 20-year cover for seven years of premiums; Sada Bahar returns cash along the way. Which is best depends on whether you want the lump sum at the end or payouts during the term — a five-minute consultation settles it.
Which plans have a Takaful version?
State Life's Tayyab Takaful window offers Takaful versions of the Endowment, Golden Endowment, Platinum Plus and Child Education & Marriage plans, plus a Takaful Savings Plan, all on the Wakala–Waqf model under its Shariah Advisor.
Where do the bonus rates come from?
Every maturity illustration on this site uses the reversionary and terminal bonus rates State Life declared at its 2025 actuarial valuation, published on statelife.com.pk. We keep a plain-language copy on our bonus-rates page and update it when State Life declares again.
What is an investment or savings plan?
It is a life-insurance plan that does two jobs at once: it protects your family, and it builds up a savings amount you receive later — on maturity, at retirement, or at a milestone like a child's education. You pay regular premiums and the plan grows over time.
What does your advice cost me?
Nothing. Our consultation is free and we do not charge you a fee. We are paid a standard commission by the insurer when a plan is issued, which is why we will tell you plainly when a plan is not right 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
Free consultation
Not sure which plan? Tell us the goal.
Describe what the money is for and when you need it — we reply within one business day with the two or three State Life plans that genuinely fit, and why.
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.