State Life · Table 81
State Life Golden Endowment Plan 2026
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.
- Entry age
- 20–55 years
- Policy term
- 20 years
- You pay
- First 7 years only
- Covered for
- 20 years
- Online calculator
- Yes — quote below
- Bonus basis
- State Life Endowment rates
- Official page
- statelife.com.pk ↗
How it works
The Golden Endowment, explained plainly
The Golden Endowment (Table-81) is a with-profit endowment with an unusual shape: the premium-paying period is the first seven years, but the policy runs — and accrues bonuses — for twenty.
That makes it popular with people whose income is strong now but uncertain later: business owners, overseas workers on fixed contracts, or anyone who would rather finish paying early.
Because the cover term is 20 years, the policy sits in State Life's highest endowment bonus band for its whole life, and the terminal bonus applies for the premium years beyond ten do not — so the illustration below reflects seven paid years.
- Years 1–7
You pay 7 annual premiums. Cover and bonus participation start immediately.
- Years 8–20
Nothing more to pay. The policy stays fully in force and keeps earning bonuses.
- Year 20
Maturity: sum assured plus all bonuses declared over the full term.
What the policy pays
Benefits, as State Life defines them
- 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.
- 31-day grace period on premiums; surrender value after two consecutive years' premiums.
- Policy loan up to 80% of the net surrender value after the third annual premium.
Optional riders: Accidental Death Benefit (ADB) · Term Insurance Rider (TIR)
Paraphrased from State Life's official plan page (checked 2026-08-22). The policy document governs.
✓ Who it suits
- • Earners who can commit strongly for a few years — overseas contracts, peak business years — and want nothing to pay after that.
- • Parents who want a policy that matures around a child's university years without a 20-year payment habit.
✗ Who should not buy it
- • Tight monthly budgets: seven years of payments for twenty years of cover means each premium is larger than a 20-pay endowment for the same sum assured.
- • Anyone who needs the money before year 20 — the plan is built to be left alone.
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.
20-year policy
pay 7 yrs · covered 20 yrs
- Sum assured
- Rs 1,000,000
- + Bonuses, 20 yrs at declared rates
- Rs 2,259,000
Est. total benefit
Rs 3,259,000
Verified example rates — State Life's calculator, age 30 male, per Rs 1,000,000 sum assured (fetched 2026-08-17)
| Term | Yearly premium | Monthly premium |
|---|---|---|
| 7 years | PKR 106,450/year | PKR 9,581/month |
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 Golden Endowment premium
Live from State Life's official calculator, preset to the Golden 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? There is a 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.
The Takaful Golden Endowment Plan, explained →Compare
Plans people weigh against it
State Life
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.
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 →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.
Plan details →Golden Endowment questions
Before you choose the Golden Endowment
Do I really stop paying after seven years?
Yes. The premium-paying term is seven years and the policy term is twenty. After the seventh annual premium the policy stays fully in force — cover, bonuses and all — until maturity at year 20.
Why does the calculator show a 7-year term for Golden Endowment?
State Life's calculator lists the premium-paying term. The plan's cover term is always 20 years; the maturity illustration on this page uses 20 years of bonuses.
Is the Golden Endowment bonus rate different from the ordinary Endowment?
No. State Life's bonus page applies the Endowment rates to the Golden Endowment, and as a 20-year policy it earns the top band throughout.
What happens if I die in year 12, long after I stopped paying?
The full sum assured plus every bonus accrued to that date is paid to your nominee. Cover does not reduce after the payment period ends.
Who is eligible?
Entry ages 20 to 55, so the policy matures by 75. Both men and women can buy it; joint life is not offered on this table.
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 Golden 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 Golden 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.