State Life · Table 05
State Life Three Payment Plan 2026
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.
- Entry age
- 20–57 years
- Policy term
- 18, 21, 24, 27 or 30 years
- You pay
- Throughout the term
- Covered for
- The full term you choose
- Online calculator
- Yes — quote below
- Bonus basis
- State Life Anticipated Endowment rates
- Official page
- statelife.com.pk ↗
How it works
The Three Payment Plan (Anticipated Endowment), explained plainly
The Anticipated Endowment (Table-05), better known as the Three Payment Plan, is the parent of Sada Bahar. It returns half the sum assured in two instalments during the term and the other half, with bonuses, at the end.
Terms available run 18 to 30 years in three-year steps. If you leave an instalment uncollected, State Life attaches a special reversionary bonus for the deferred amount.
Its declared bonus rates are State Life's Anticipated Endowment row; Sada Bahar's rates are set 25% higher, which is why we usually illustrate both side by side.
- Start
You choose the sum assured and term; premiums begin (yearly, half-yearly, quarterly or monthly).
- ⅓ of term
25% of the sum assured is paid to you in cash. Cover for the full sum assured continues.
- ⅔ of term
Another 25% of the sum assured is paid to you.
- Maturity
The remaining 50% of the sum assured plus every bonus declared over the whole term.
What the policy pays
Benefits, as State Life defines them
- 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.
- Special reversionary bonus on instalments left with State Life.
- Supplementary covers can be attached.
Paraphrased from State Life's official plan page (checked 2026-08-22). The policy document governs.
✓ Who it suits
- • Savers who want larger mid-term cash-outs than Sada Bahar's 20% steps.
- • Anyone planning two known expenses roughly a third and two-thirds of the way to a goal.
✗ Who should not buy it
- • Maximising the end lump sum — half the sum assured is paid out before maturity.
- • Terms shorter than 18 years.
We would rather lose a sale than fit you to the wrong plan.
What it grows to
What Rs 1,000,000 of sum assured illustrates to
Illustration at State Life's officially declared 2025 bonus rates for this plan's category, on a nominal sum assured of Rs 1,000,000. Scale it to your own sum assured; the calculator below gives the premium that buys it.
18-year policy
pay 18 yrs · covered 18 yrs
- 50% of sum assured at maturity
- Rs 500,000
- Paid to you during the term
- Rs 500,000
- + Bonuses, 18 yrs at declared rates
- Rs 1,088,000
Est. total benefit
Rs 2,088,000
21-year policy
pay 21 yrs · covered 21 yrs
- 50% of sum assured at maturity
- Rs 500,000
- Paid to you during the term
- Rs 500,000
- + Bonuses, 21 yrs at declared rates
- Rs 1,790,000
Est. total benefit
Rs 2,790,000
24-year policy
pay 24 yrs · covered 24 yrs
- 50% of sum assured at maturity
- Rs 500,000
- Paid to you during the term
- Rs 500,000
- + Bonuses, 24 yrs at declared rates
- Rs 2,198,000
Est. total benefit
Rs 3,198,000
Bonuses are declared annually and are not guaranteed; illustrations use the rates at State Life's bonus page (valuation 2025-12-31). See all current bonus rates.
Your exact number
Calculate your Three Payment Plan (Anticipated Endowment) premium
Live from State Life's official calculator, preset to the Three Payment Plan (Anticipated Endowment) — enter your age, term and sum assured for the exact premium.
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.
The growth engine
How your money actually grows
Most State Life savings plans are with-profit: each year the corporation values its fund and declares bonuses for participating policyholders — State Life states it distributes 97.5% of its surplus to them. Bonuses attach to your policy and are paid with your sum assured at maturity or with a claim. In 2025, State Life allocated a record PKR 181 billion in profit bonus. Read the numbers →
🕌 Shariah-compliant option
Prefer Takaful? Ask for the Tayyab track
State Life's Tayyab Takaful window runs savings, endowment, child and Platinum Plus plans on the Wakala–Waqf model, supervised by its Shariah Advisor. Tell us Takaful matters to you and we advise on that track from the start.
The Takaful plans, explained →Compare
Plans people weigh against it
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.
Plan details →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.
Plan details →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.
Plan details →Three Payment Plan (Anticipated Endowment) questions
Before you choose the Three Payment Plan (Anticipated Endowment)
Three Payment Plan or Sada Bahar — which pays more?
They differ in shape: this plan pays 25% + 25% + 50%, Sada Bahar pays 20% + 20% + 60%. State Life's declared bonus rates for Sada Bahar are 25% higher than this plan's, so for the same sum assured Sada Bahar usually illustrates to a larger total. We show both in one illustration.
Is there a terminal bonus?
No — State Life's terminal bonus excludes Anticipated Endowment policies, so our illustrations for this plan do not include one.
What if I don't take an instalment?
State Life keeps it on the policy and adds a special reversionary bonus for the deferred amount; you receive it with the maturity value or a claim.
What terms are offered?
18, 21, 24, 27 or 30 years, for entry ages 20 to 57.
Can I get a quote online?
Yes — it is in State Life's calculator as Anticipated Endowment (Table-05). Use the calculator on this page.
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
Why Sidq
Advisors, not salesmen
Advisors, not salesmen
We are not tied to one product. The plan we recommend is the one that fits you, and we will tell you when you do not need cover at all.
Compared across the market
We line plans up side by side — premium, exclusions, waiting periods — so you can see exactly what you are choosing between.
Plain language, no jargon
We explain what is actually covered and what is not, in words you can repeat to your family. No fine print sprung on you later.
We stay for the claim
Selling a policy is the easy part. We handle the paperwork and follow the claim through until it is settled.
Free consultation
Get your Three Payment Plan (Anticipated Endowment) illustration
Tell us your age, sum assured and how you'd like to pay — we reply within one business day with State Life's own illustration and a plain-language walkthrough.
Prefer to just ask?
Message us about the Three Payment Plan (Anticipated Endowment) 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.