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Bonus Rates
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Bonus Rates
State Life offers attractive bonuses that are declared on the basis of Actuarial Valuations. Presently the following types of bonuses are available for different plans subject to the terms and conditions applicable to each. Please click on the links below and find out which bonuses are attachable to your policy.
Reversionary bonusSpecial Reversionary bonusSuper (Table 72), Sunehri (Table 73) & Shehnai (Table 77) PoliciesCommittee Policy (Table 79)Personal Pension Scheme (Table 71)Family Income Benefits in course of paymentTerminal bonusSpecial Terminal bonusTerminal bonus for (With Profit Tables/Plans) PAID-UP PoliciesLoyalty Terminal BonusLoyalty Terminal Bonus for (With Profit Tables / Plans) PAID-UP PoliciesThirtieth Anniversary bonusMillennium bonusGolden Jubilee bonusOne Time bonus
Reversionary Bonus
The present rates of Reversionary Bonus per thousand of sum assured, for all with profit Pak Rupee policies that were in force for the full sum assured as at 31st December 2019, announced as a result of the Actuarial Valuation as at 31st December 2019 are as under:
Reversionary Bonuses per thousand of sum assured to with profit Pak Rupee policiesDescription of PlansFor first five policy yearFrom 6th policy year to 16th policy yearFrom 17th policy year onwardsWhole Life48103157 Endowments *
Term of policy (in years)20 years and over408813615 to 19 years inclusive27758514 years and less1661 Sada Bahar Plan
Term of policy (in years)20 years and over3580 15 to 19 years inclusive2469 14 years and less1861 Anticipated Endowments **
Term of policy (in years)20 years and over276510515 to 19 years inclusive19556114 years and less1549 Bonuses mentioned for Endowments are applicable to all endowment policies like Endowment Assurance, Progressive Premium Policy, Joint Life Endowment Assurance, Single Premium Endowment Assurance, Big Deal (on 25% of sum assured only), Shad Abad Plan, Jeevan Sathi Plan, Child Protection & Marriage Plan, Child Protection policy, Optional Maturity Endowment, Muhafiz Plus and Rural Life Insurance Plan.* Bonuses mentioned for Anticipated Endowments are applicable to plans like Three Payment Plan, Family Pension Plan.
This bonus has a surrender value, subject to the fulfillment of certain conditions.
Please contact your servicing State Life zonal office for other terms and conditions related to this bonus and the details of total bonuses attached to your policy.
Super (Table 72), Sunehri (Table 73) & Shehnai (Table 77) Policies
Bonuses under these policies are credited after the policy has acquired an Adjusted Opening Cash Value. The bonus is credited on the Adjusted Opening Cash Value and not on minimum guaranteed surrender value. Bonuses will be credited at the end of the policy year. These bonuses are payable when the Cash Value under the policy is payable.
The rate of bonus is Rs. 85 per thousand per annum of the Adjusted Opening Cash Value. This bonus rate will be allowed till the next Actuarial Valuation.
Please contact your servicing State Life zonal office for other terms and conditions related to this bonus and the details of total bonuses attached to your policy.
Committee Policy (Table 79)
Investment Return under this policy is credited to the policy after the policy has acquired an Adjusted Opening Cash Value. The return is credited on the Adjusted Opening Cash Value and not on minimum guaranteed surrender value. This return will be credited at the end of each quarter. These returns are payable when the Cash Value under the policy is payable.
The credit rate for each quarter falling due in 2020 shall be calculated at 7.00% per annum of the Adjusted Opening Cash Value. This rate will be allowed till the next Actuarial Valuation.
Please contact your servicing State Life zonal office for other terms and conditions related to this bonus and the details of total bonuses attached to your policy.
Personal Pension Scheme (Table 71)
Bonuses under Personal Pension Plan where “Pension is being paid” will be allowed on Pension Payments. Pension Payments will be increased by bonus from the policy anniversary falling in the year 2020. This increase will also be available on pension payments commencing in 2020.
The rate of bonus is Rs. 80 per thousand per annum of the pension payments.
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