Pakistan Life Insurance Bonus Rates & Policy Calculator
Compare declared profit bonus rates, evaluate EFU, Jubilee, & State Life plans, and calculate exact maturity returns under SECP regulatory guidelines.
Life Insurance Bonus & Maturity Calculator
Estimate your guaranteed sum assured plus accumulated profit bonuses based on declared reversionary rates.
Projected Summary
2026 Declared Bonus Rate Benchmarks in Pakistan
A clear breakdown of typical reversionary bonus allocations per PKR 1,000 of Sum Assured across major policy tenures.
| Policy Duration | Whole Life Plans | Endowment Plans | Sada Bahar / Flexible | Guarantee Status |
|---|---|---|---|---|
| 1 to 5 Years | Rs. 62 / thousand | Rs. 52 / thousand | Rs. 46 / thousand | Declared Annually |
| 6 to 16 Years | Rs. 134 / thousand | Rs. 117 / thousand | Rs. 105 / thousand | Vested Addition |
| 17+ Years & Above | Rs. 206 / thousand | Rs. 178 / thousand | Rs. 178 / thousand | Guaranteed at Maturity |
Compounding Profit Bonuses
With-profit life insurance plans allocate annual profits back into your account. Bonuses vest permanently once declared.
Tax Rebate Under Section 62
Pakistani taxpayers can claim up to a 20% tax credit on annual insurance premiums paid under Section 62 of the Income Tax Ordinance.
Family Financial Security
Combines savings with full sum assured protection, ensuring financial continuity for dependents in unforeseen circumstances.
Get an Official Personalized Quote
Speak with an expert agent or receive a customized policy illustration directly on WhatsApp or Email.
Frequently Asked Questions
Clear answers to essential questions regarding Pakistani life policies.
A Reversionary Bonus is the annual share of profit added to “With-Profit” life insurance policies after actuarial valuation. Once added, it becomes part of the guaranteed maturity payout and cannot be withdrawn by the insurer.
Insurers like State Life, EFU Life, and Jubilee Life calculate bonuses per PKR 1,000 of Sum Assured. For example, a Whole Life policy in its 18th year with a bonus rate of Rs. 206 per thousand and a Rs. 1,000,000 Sum Assured receives an annual bonus addition of Rs. 206,000 for that year.
Yes. Salaried and business individuals can claim tax credit under Section 62 of the Income Tax Ordinance. You can submit your policy payment receipt to your HR or tax consultant to lower your monthly taxable income tax deduction.