State Life · Table 74
State Life Sada Bahar Plan 2026
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.
- Entry age
- 20–60 years
- Policy term
- 12, 15, 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 Sada Bahar rates
- Official page
- statelife.com.pk ↗
How it works
The Sada Bahar Plan, explained plainly
The Sada Bahar Plan (Table-74) is State Life's flagship anticipated endowment. Instead of waiting for maturity, you receive two cash instalments during the term — useful for school fees, a wedding or a business top-up — while cover for the full sum assured continues.
Terms run 12, 15, 18, 21, 24, 27 or 30 years. Bonuses accrue on the full sum assured for the whole term, and the plan's declared bonus rates are set 25% higher than the ordinary Three Payment Plan.
An accidental death benefit is built in: if death is due to an accident, an additional amount equal to the basic sum assured is paid (subject to State Life's maximum).
- Start
You choose the sum assured and term; premiums begin (yearly, half-yearly, quarterly or monthly).
- ⅓ of term
20% of the sum assured is paid to you in cash. Cover for the full sum assured continues.
- ⅔ of term
Another 20% of the sum assured is paid to you.
- Maturity
The remaining 60% of the sum assured plus every bonus declared over the whole term.
What the policy pays
Benefits, as State Life defines them
- 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.
- Accidental death: an additional amount equal to one basic sum assured (subject to a maximum limit).
- If an instalment is left uncollected for six months, a special bonus is added to the policy automatically.
Optional riders: Accidental Death Benefit (ADB) · Term Insurance Rider (TIR) · Accidental Indemnity Benefit (AIB) · Family Income Benefit (FIB) · Waiver of Premium (WP) · Special Waiver of Premium (SWP)
Paraphrased from State Life's official plan page (checked 2026-08-22). The policy document governs.
✓ Who it suits
- • Families who want savings discipline but know they will need cash at two points along the way.
- • Parents timing instalments to school and college milestones.
- • Savers who value the built-in accidental death cover.
✗ Who should not buy it
- • Anyone maximising the maturity lump sum — taking 40% early necessarily leaves 60% plus bonuses at the end.
- • Terms under 12 years: the plan does not offer them.
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.
15-year policy
pay 15 yrs · covered 15 yrs
- 60% of sum assured at maturity
- Rs 600,000
- Paid to you during the term
- Rs 400,000
- + Bonuses, 15 yrs at declared rates
- Rs 1,070,000
- + Terminal bonus
- Rs 450,000
Est. total benefit
Rs 2,520,000
21-year policy
pay 21 yrs · covered 21 yrs
- 60% of sum assured at maturity
- Rs 600,000
- Paid to you during the term
- Rs 400,000
- + Bonuses, 21 yrs at declared rates
- Rs 2,275,000
- + Terminal bonus
- Rs 990,000
Est. total benefit
Rs 4,265,000
27-year policy
pay 27 yrs · covered 27 yrs
- 60% of sum assured at maturity
- Rs 600,000
- Paid to you during the term
- Rs 400,000
- + Bonuses, 27 yrs at declared rates
- Rs 3,343,000
- + Terminal bonus
- Rs 1,530,000
Est. total benefit
Rs 5,873,000
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 |
|---|---|---|
| 15 years | PKR 74,490/year | PKR 6,704/month |
| 21 years | PKR 55,450/year | PKR 4,991/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 Sada Bahar Plan premium
Live from State Life's official calculator, preset to the Sada Bahar Plan — 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 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.
The Takaful Savings Plan, explained →Compare
Plans people weigh against it
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.
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 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 →Sada Bahar Plan questions
Before you choose the Sada Bahar Plan
When exactly do I get the Sada Bahar instalments?
At the end of one-third and two-thirds of the term. On a 21-year policy that is after years 7 and 14; on a 15-year policy after years 5 and 10. Each is 20% of the basic sum assured.
Do bonuses still accrue on the money I have taken out?
Yes. Bonuses accrue on the full basic sum assured for the whole term, not on the reduced balance.
What if I don't collect an instalment?
If an instalment is not withdrawn within six months of falling due, State Life adds a special bonus to the policy automatically, and the amount is paid later with the maturity value.
How do Sada Bahar bonus rates compare?
State Life publishes a separate Sada Bahar bonus row, set 25% higher than the standard anticipated endowment rates. Like other plans, the 20-year-and-over term band earns the most.
Is Sada Bahar available in Takaful?
Not under this name. The Tayyab Takaful Savings Plan is the closest Shariah-compliant equivalent; ask us and we will illustrate both.
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 Sada Bahar Plan 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 Sada Bahar Plan 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.