State Life · Table 09
State Life Single Premium Endowment 2026
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.
- Entry age
- 20–60 years
- Policy term
- 10, 15, 20, 25, 30, 40 or 50 years
- You pay
- One single premium
- Covered for
- The full term you choose
- Online calculator
- Yes — quote below
- Bonus basis
- State Life Endowment rates
- Official page
- statelife.com.pk ↗
How it works
The Endowment by Single Premium, explained plainly
Endowment Assurance by Single Premium (Table-09) is the ordinary Endowment paid in one go. You pay a single premium at the start; the policy is then fully paid for terms of 10 to 50 years and matures with the sum assured plus all bonuses declared meanwhile.
It suits money that already exists — a gratuity, a plot sale, an inheritance, savings sitting in a current account — rather than money you plan to earn.
State Life gives a 0.5% premium rebate on this table for sums assured of three lakh and above, and the policy can be surrendered after one full year.
- Day 1
One premium is paid; the policy is fully paid up from the start.
- During the term
Life cover for the full sum assured; bonuses declared each year attach to the policy.
- Maturity
Sum assured plus all accrued bonuses.
What the policy pays
Benefits, as State Life defines them
- On maturity: basic sum assured plus accrued bonuses.
- On death during the term: basic sum assured plus accrued bonuses.
- Nothing further to pay after the single premium.
- Surrender permitted after one complete policy year; loan up to 80% of the net surrender value.
- 14-day free-look period.
Paraphrased from State Life's official plan page (checked 2026-08-22). The policy document governs.
✓ Who it suits
- • Anyone with a lump sum who wants it protected, growing and out of temptation's reach.
- • Overseas Pakistanis who prefer a one-time transfer to a monthly commitment.
✗ Who should not buy it
- • Regular savers building from income — a monthly-premium endowment fits better.
- • Money that may be needed within a year or two.
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.
10-year policy
single premium · covered 10 yrs
- Sum assured
- Rs 1,000,000
- + Bonuses, 10 yrs at declared rates
- Rs 505,000
Est. total benefit
Rs 1,505,000
15-year policy
single premium · covered 15 yrs
- Sum assured
- Rs 1,000,000
- + Bonuses, 15 yrs at declared rates
- Rs 1,155,000
Est. total benefit
Rs 2,155,000
20-year policy
single premium · 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
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 Endowment by Single Premium premium
Live from State Life's official calculator, preset to the Endowment by Single Premium — 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
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 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.
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 →Endowment by Single Premium questions
Before you choose the Endowment by Single Premium
Is a single-premium endowment better than a bank deposit?
It is a different tool: it adds life cover for the full sum assured from day one and grows through declared bonuses rather than a quoted rate, in exchange for a longer lock-in. We compare both honestly in a consultation.
Can I add money later?
Not to the same policy — each single premium buys its own policy. Many clients hold several, started in different years.
Does the terminal bonus apply?
State Life's terminal bonus is earned per premium-year beyond ten; a single-premium policy has one premium-year, so our illustrations do not include it.
What terms can I choose?
10, 15, 20, 25, 30, 40 or 50 years, subject to the policy maturing by age 70.
Can I get the premium quoted online?
Yes — this plan is in State Life's calculator. Choose it above, enter your age, term and sum assured, and the single premium appears instantly.
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 Endowment by Single Premium 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 Endowment by Single Premium 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.