State Life · Table 01
State Life Whole Life Plan 2026
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.
- Entry age
- 10–65 years
- Policy term
- Whole of life
- You pay
- For life (or a limited period on Table-02)
- Covered for
- Whole of life (matures at 85)
- Online calculator
- Yes — quote below
- Bonus basis
- State Life Whole Life rates
- Official page
- statelife.com.pk ↗
How it works
The Whole Life Plan, explained plainly
Whole Life (Table-01) is protection first. Premiums run for life (or, on Table-02, for a chosen limited period of 10 to 30 years) and the policy pays the basic sum assured plus accrued bonuses on death — at any age — or on survival to age 85.
Because bonuses attach for decades, Whole Life has its own bonus row on State Life's page, the highest of all categories, and the policy builds a substantial surrender and loan value over time.
Entry ages run from 10 to 65. It suits people who want a legacy or estate liquidity rather than a maturity date.
- Start
Premiums begin — for life on Table-01, or for a fixed 10–30 years on Table-02.
- Every year
Bonuses at State Life's Whole Life rates attach to the policy; surrender and loan value build.
- On death — or at 85
Sum assured plus every bonus ever declared is paid to your family, or to you on reaching 85.
What the policy pays
Benefits, as State Life defines them
- On death at any age: basic sum assured plus all accrued bonuses.
- On survival to age 85: basic sum assured plus accrued bonuses paid as a maturity benefit.
- Bonuses at State Life's Whole Life rates — the highest declared category.
- Surrender value after two years' premiums; loan up to 80% of the net surrender value after the third premium.
- Optional limited-payment version (Table-02) for a fixed paying period.
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) · Guaranteed Insurability · Hospital & Surgical (H&S)
Paraphrased from State Life's official plan page (checked 2026-08-22). The policy document governs.
✓ Who it suits
- • People who want a guaranteed legacy for children or a spouse regardless of when they die.
- • Business owners needing liquidity for succession or debts on death.
- • Anyone who values a growing cash value they can borrow against without cancelling cover.
✗ Who should not buy it
- • Savers with a specific date in mind — an endowment matures when you need it; Whole Life pays on death.
- • Tight budgets late in life: entry after 55 makes lifetime premiums expensive.
We would rather lose a sale than fit you to the wrong plan.
Bonus accrual
What Rs 1,000,000 of cover accrues at the declared rates
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.
After 20 years
if a claim or maturity fell in that year
- Sum assured
- Rs 1,000,000
- + Bonuses, 20 yrs at declared rates
- Rs 2,608,000
- + Terminal bonus
- Rs 900,000
Est. total benefit
Rs 4,508,000
After 30 years
if a claim or maturity fell in that year
- Sum assured
- Rs 1,000,000
- + Bonuses, 30 yrs at declared rates
- Rs 4,668,000
- + Terminal bonus
- Rs 1,800,000
Est. total benefit
Rs 7,468,000
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 Whole Life Plan premium
Live from State Life's official calculator, preset to the Whole Life Plan. premiums for life and limited payments (Table-02) are both listed — switch between them in the plan box.
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 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.
Plan details →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.
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 →Whole Life Plan questions
Before you choose the Whole Life Plan
Does a Whole Life policy ever pay out while I'm alive?
Yes, in two ways: it matures if you reach age 85, and it builds a surrender value you can borrow up to 80% against from the third premium onwards.
What is the difference between Table-01 and Table-02?
Table-01 collects premiums for your whole life. Table-02 collects them for a fixed period you choose — 10 to 30 years — after which the policy is paid up but the cover continues for life. Both are in the calculator.
Why does the calculator show a term of 0?
That is State Life's convention for whole-of-life cover on Table-01 — there is no fixed term. Choose Table-02 if you want a fixed premium-paying period.
How do the bonuses compare with an endowment?
State Life publishes a separate Whole Life bonus row that is higher per thousand than the Endowment bands, reflecting the longer duration. Our illustration shows the accrual after 20 and 30 years on a nominal sum assured.
Who can buy it?
Entry ages 10 to 65 on Table-01; 20 to 55 on the limited-payment Table-02.
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 Whole Life 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 Whole Life 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.