📈 Valuation 2025-12-31
State Life bonus rates 2025
The reversionary bonus State Life declared per Rs 1,000 of sum assured — by plan category and policy year — plus the terminal bonus rule and what the rates mean for a Rs 1,000,000 policy in 2026.
Reversionary bonus
Declared rates per Rs 1,000 sum assured, per policy year
Bonuses are simple (non-compounding) amounts added for each year the policy is in force. The rate depends on the plan category, the policy's term band, and which policy year it is — years 1–5, 6–16 and 17 onwards.
Endowments
| Policy term | Yrs 1–5 | Yrs 6–16 | Yrs 17+ |
|---|---|---|---|
| 20 years and over | 52 | 117 | 178 |
| 15 to 19 years | 35 | 98 | 111 |
| 14 years and less | 21 | 80 | — |
Applies to: Endowment Plan · Golden Endowment · Endowment by Single Premium · Shad Abad Plan · Child Education & Marriage Plan · Child Protection Plan · Muhafiz Plus · Jeevan Saathi Plan · and other endowment-type tables
Sada Bahar
| Policy term | Yrs 1–5 | Yrs 6–16 | Yrs 17+ |
|---|---|---|---|
| 20 years and over | 46 | 105 | 178 |
| 15 to 19 years | 32 | 91 | 111 |
| 14 years and less | 24 | 80 | — |
Applies to: Sada Bahar Plan
Anticipated Endowments
| Policy term | Yrs 1–5 | Yrs 6–16 | Yrs 17+ |
|---|---|---|---|
| 20 years and over | 35 | 85 | 136 |
| 15 to 19 years | 25 | 73 | 80 |
| 14 years and less | 20 | 64 | — |
Applies to: Three Payment Plan (Anticipated Endowment) · Family Pension Plan
Terminal bonus
Rs 90 per Rs 1,000 sum assured for each year's premium paid beyond ten years, up to Rs 1,800 per 1,000. Payable only on maturity or earlier death in the year following the valuation; no surrender value; not available on Anticipated Endowment policies.
Source: statelife.com.pk — Bonus Rates (valuation 2025-12-31, read 2026-08-17).
What the rates add up to
Total bonus on Rs 1,000,000 sum assured, by term
Reversionary bonuses accumulated over the full term plus the terminal bonus where it applies — the amount added on top of the sum assured at maturity, at the declared rates.
| Category | 10-year policy | 15-year policy | 20-year policy | 25-year policy |
|---|---|---|---|---|
| Whole Life | Rs 980,000 | Rs 2,100,000incl. Rs 450,000 terminal | Rs 3,508,000incl. Rs 900,000 terminal | Rs 4,988,000incl. Rs 1,350,000 terminal |
| Endowments | Rs 505,000 | Rs 1,605,000incl. Rs 450,000 terminal | Rs 3,159,000incl. Rs 900,000 terminal | Rs 4,499,000incl. Rs 1,350,000 terminal |
| Sada Bahar | Rs 520,000 | Rs 1,520,000incl. Rs 450,000 terminal | Rs 2,997,000incl. Rs 900,000 terminal | Rs 4,337,000incl. Rs 1,350,000 terminal |
| Anticipated Endowments | Rs 420,000 | Rs 855,000 | Rs 1,654,000 | Rs 2,334,000 |
| Platinum Plus (pay 3, cover 10) | Rs 760,000over its fixed 10-year term | |||
Illustrations at the declared rates, before any premium; whole-life figures assume a claim or maturity in that year. Bonuses are not guaranteed.
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 →
Find your plan's rate
Which row applies to which plan
Endowment Plan
Endowments rates
See the illustration →Golden Endowment
Endowments rates
See the illustration →Platinum Plus Plan
Platinum Plus rates
See the illustration →Sada Bahar Plan
Sada Bahar rates
See the illustration →Endowment by Single Premium
Endowments rates
See the illustration →Three Payment Plan (Anticipated Endowment)
Anticipated Endowments rates
See the illustration →Shad Abad Plan
Endowments rates
See the illustration →Child Education & Marriage Plan
Endowments rates
See the illustration →Child Protection Plan
Endowments rates
See the illustration →Family Pension Plan
Anticipated Endowments rates
See the illustration →Whole Life Plan
Whole Life rates
See the illustration →Muhafiz Plus
Endowments rates
See the illustration →Jeevan Saathi Plan
Endowments rates
See the illustration →Bonus questions
How State Life bonuses really work
What are State Life's bonus rates for 2025?
At its 2025-12-31 actuarial valuation State Life declared reversionary bonuses per Rs 1,000 sum assured by plan category and policy year: for example Rs 52 / 117 / 178 for 20-year-plus endowments in policy years 1–5 / 6–16 / 17+, Rs 62 / 134 / 206 for whole life, and Rs 32 / 120 for Platinum Plus. The full tables are on this page.
Are State Life bonuses guaranteed?
Once declared, a reversionary bonus vests — it is added to your policy and paid with the sum assured. Future rates are not guaranteed; they are set each year by the actuarial valuation. State Life's obligations carry a Government of Pakistan guarantee.
What is the terminal bonus?
A one-off bonus of Rs 90 per Rs 1,000 sum assured for each premium-year beyond ten, capped at Rs 1,800 per 1,000. It is paid on maturity or earlier death, has no surrender value, and does not apply to Anticipated Endowment policies (Three Payment and Family Pension plans).
Which bonus rate applies to my plan?
Endowment rates apply to the Endowment, Golden Endowment, Single Premium Endowment, Shad Abad, Jeevan Saathi, Child Education & Marriage, Child Protection, Muhafiz Plus and similar endowment-type plans. Sada Bahar, Platinum Plus and Whole Life have their own rows; the Three Payment and Family Pension plans use the Anticipated Endowment row.
When are the next bonus rates declared?
State Life values its fund as at 31 December each year and announces the resulting bonuses in the following spring. We update this page and every illustration on the site when the new declaration is published.
How much did State Life pay in bonuses last year?
State Life announced a record allocation of PKR 181 billion in profit bonus to policyholders for 2025 — we summarise the announcement in our case studies.
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Tell us the plan, sum assured and term — existing or planned — and we send State Life's illustration at the current declared rates, explained line by line.
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.