What is the Sadabahar Plan?
Sadabahar is an anticipated endowment type with-profits plan that provides a lump sum benefit at certain stages during the premium paying term or on earlier death. In addition, this plan has a built-in Accidental Death Benefit (ADB) rider, so that the policyholder gets coverage for an additional sum assured in case of death due to an accident. This plan is a safe instrument for cash provision at the time of need. With this plan, the policyholder can secure greater protection and continued prosperity for the family at an affordable cost.Free look period
The policyholder has an option to cancel the policy within 14 days after receipt of the policy document.
 
Important Details & Benefits

Feature	What It Means for You
Survival Benefits	Get scheduled cash payouts to meet expenses like education or marriage during the plan term: 20% of the Sum Assured after one-third of the term, and another 20% after two-thirds of the term.
Maturity Benefit	At the end of the policy term, you receive the remaining 60% of the Sum Assured plus all bonuses accrued over the entire period.
Bonuses	This policy will participate in State Life’s surplus. Rates of reversionary bonus applicable, other than any special other plans bonus, will be 25% higher than those applicable on anticipated endowment plans.
Death Benefit	In the event of death, your family receives the full Basic Sum Assured plus all accrued bonuses. The usual maximum on the ADB of Rs. 10 million will apply, and the premium will be calculated accordingly.
Accidental Death	The plan includes an in-built Accidental Death Benefit (ADB) rider, providing an additional Sum Assured amount (up to Rs. 10 million) if death occurs due to an accident.
Loan/Surrender	Policies issued under this plan will acquire a surrender value after they have been in force for at least two full years and no premiums are in default. A policy loan is also available under this plan. State Life will grant an 80% loan against the policy’s surrender value on written request. Terms and profit rates are determined at the time of granting the loan.

 
Eligibility and Terms

Feature	Details
Entry Age	20 to 60 years
Plan Length	Flexible options: 12, 15, 18, 21, 24, 27, and 30 years
Minimum Premium with Modes	Annually: PKR 15,000 Half-yearly: PKR 10,000 Quarterly: PKR 7,500 Monthly: PKR 4,000

 
Power Up Your Plan (Optional Riders)

• Family Income Benefit: Adds a regular annual Family Income Benefit instalment of 10%–50% of the basic sum assured to heirs on the death of the insured during the term of the FIB contract.
• Special Waiver of Premium: Premiums are waived during Total and Permanent Disability due to accident or sickness, if the policyholder is unable to work for at least six months.
• Accidental Indemnity Benefit (AIB): Provides payouts for accidental loss of life, sight, or limbs, including weekly indemnity for temporary disability.
• Term Insurance: Adds extra life insurance coverage for a nominal premium.
• Hospital & Surgical Benefit (H&S): Covers hospitalization in approved hospitals for sickness or accidents, including Room & Board, Hospital Services, and Surgical Benefits.
• Guaranteed Insurability (GI): Allows purchase of additional life insurance coverage at standard rates on specified future dates without further medical evidence.
• Refund of Premium Rider (RPR): Refunds premiums paid in the event of the policyholder’s death during the policy term.

Disclaimer

• The insurance policy is officially underwritten and issued by State Life Insurance Corporation of Pakistan.
• JS Bank acts solely as a corporate distributor/agent and is not responsible for guaranteeing, insuring, or incurring any liability under the policy or its claims.
• Past performance of State Life is not a guarantee of future results, and investment outcomes may vary.
• A personalized benefit illustration detailing all terms and conditions will be provided by our staff.
• You must review the benefit illustration and the official policy documents for a detailed understanding.
• Standard service charges and government taxes will apply as per regulatory laws.