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State Life Insurance

Life is unpredictable but your financial stability doesn’t have to be. In the UAE, State Life Insurance provides individuals and families with a reliable safety net, ensuring financial security in case of unforeseen circumstances such as loss of life or disability. It helps cover daily expenses, ...read more outstanding loans, and future financial goals such as children's education or retirement planning.

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AED 1 Million Cover
Starting @ AED 50/month*
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Monthly Income (Dirhams)
1k - 3k
3k - 5k
5k - 8k
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15k - 20k
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What makes State Life Insurance exceptional?

With benefits like long-term savings, investment opportunities, and comprehensive coverage, these policies in the UAE are designed to cater to your needs. With affordable premiums and flexible options, state life insurance in the UAE serves as a crucial financial tool for long-term security and stability.

Table of Content

An Overview of State Life Insurance in Dubai

Founded in March 1972, State Life Insurance is a Pakistani insurance company. As a state-run organisation, it offers a plethora of life plans, ranging from whole life to endowment plans. The plans are designed to offer comprehensive protection and savings options to the family and individuals.

The benefits offered under these plans include maturity benefits, death benefits, or savings components. 

Benefits of State Life Insurance in the UAE

The following are the benefits of State Life Insurance in the UAE —

  • Customisable life policies 
  • Calculate premium using an integrated digital calculator
  • Economical premium plans
  • Flexibility to switch between investment securities 

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Key Features of State Life Insurance

This section discusses the primary features and benefits of the State Life Insurance plan—Whole Life Assurance. This plan is suitable for youngsters who have just started their careers and have scarce financial resources. It is affordable and ensures optimum life insurance coverage. 

Here are the key benefits and features of this State Life policy.

Death Benefit If the life assured passes away before reaching the age of 85, the plan pays out a sum assured along with additional benefits to the nominee. This provision helps the family to maintain a decent lifestyle even in the life assured’s absence
Maturity Benefit If the life assured survives the policy tenure or up to the age of 85 years, the sum assured and the accumulated bonuses are paid to them. This amount offers them financial security in case of an emergency
High Bonus Rates This State Life Insurance policy provides higher bonus rates when compared with other plans. These bonuses are not just part of the protection aspect but also part of the investment component. Over time, these bonuses accumulate ensuring long-term growth and financial stability
Long-Term Savings The Whole Life Assurance helps you accumulate money for plans in the distant future, like retirement, children’s higher education or buying a home
 
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Frequently Asked Questions

Can you revive a lapsed policy?

Yes, you can renew the lapsed policy in just 5 years from the date of the first unpaid premium.

What factors are considered when calculating the State Life Insurance plan?

The factors to consider include the age of the life assured, coverage amount, policy type, and policy tenure.

What happens if you lose your policy?

If you lose your policy, you need to get a duplicate policy issued. This will be subject to a nominal fee.

Who receives the death benefit?

The death benefit is received by a nominee or the legal successor (whichever is applicable).

How is a life insurance policy beneficial?

The benefits of a life plan include financial security, savings and investment, debt coverage, and retirement planning.

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