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About State Life


Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) upon the death of the insured person.

Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum.

The advantage for the policy owner is “peace of mind”, in knowing that the death of the insured person will not result in financial hardship for loved ones.

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion.

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Insurance Coverage

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Whole Life Assurance

It is a unique combination of protection and savings at a very economical premium. Death at any time before age 85 years terminates …

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Endowment Assurance

It’s a safest and surest method of guaranteed cash provision either at a specified time or at death (Allah forbid). Under these policies, the sum …

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Anticipated Endowment Assurance

This is a modified form of endowment assurance and is also called ‘Three Payment Plan’. Besides fulfilling the long-term financial needs, it …

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Jeevan Sathi Assurance

This is a joint life plan and covers lives of two partners say husband and wife simultaneously. Premiums are payable till the end of the specified…

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Shad Abad Assurance

Shad Abad Plan is an extended form of endowment assurance. The benefits under the policy increase manifold in the event of death of the life insured…

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Child Education & Marriage Plan

Child Education & Marriage Plan is a plan for the protection of child’s future. It provides a lump sum benefit for the child at the completion of the …

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Child Protection Assurance

This is a joint life assurance and covers the lives of child and either of the parents. If the policyholder and the child both survive full term of the policy…

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Wealth Builder Plan

There is a large work force of expatriates in the Middle East. These people go out of their countries in search of better employment opportunities…

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Supplementary Covers

State Life offers a number of supplementary covers to enhance coverage under different plans. These supplementary covers can be attached…

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Other Plans

This is a modification of Whole Life Assurance wherein the premiums are payable for selected terms, ranging from 10,15,20,25 & 30 years…

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