NOTE: Please Input in Blue Cells Proposal No. Zone Code SR No.

24
Name of policy holder BENISH KANWAL 175402 180 123456789 1181
Date of Birth (DD MM YYYY) 29 09 1989 Expected Commencement Date 1/18/2024 ###
Occupation Accountant 29/9/1989
Table 3 Min Age Max Age ###
Age Limit
Age 34 20 yrs 65 yrs 32
Term 10 500000 65 yrs ###
Sum Assured 1,010,000 Times
Installment Mode Annual Required For H&S Rider Annu
Spouse Age 19 Not Required
Gender Female Fem
Female Category CALCULATION OF PREMIUM
BASIC PLAN Basic Rate Special Rebate Applicable Rate Basic Premium Policy fee Gross Premium
Endowment Assurance
Endowment 99.56 0.50 99.06 100,051.00 100.00 100151
% for FIB
Attached RIDERS / S.A Term
No FAMILY INCOME BENEFIT (F.I.B.) 10 10 0.00 0.00 -
No TERM INSURANCE RIDER (T.I.R.) 1010000 10 0 0.00 0.00
No ACCIDENTAL DEATH BENEFIT (ADB) 1010000 10 0.00 0.00 -
No ACCIDENT INDEMNITY BENEFITS (AIB) 1010000 10 0.00 0.00 -
No WAIVER OF PREMIUM (W.O.P) 0 0.00 -
No SPECIAL WAIVER OF PREMIUM (S.W.P.) 10 0.00 0.00 -
No REFUND OF PREMIUM RIDER (RPR) 10 0.00 0.00 -
100,151.00
Rider's Total -
Total Premium 100,151.00

INSTALLMENTS
Annual Half Yearly Quarterly Monthly
100,151.00 52,079.00 27,041.00 9,014.00

Note: Please contact nearest State Life Insurance Corp. Zonal Office (I.T department) if you need other plan’s illustration.

Developed by - IT Division - State Life Insurance Corporation of Pakistan

Page 1
Date 18-Jan-2024 Reference# 180-123456789-1181754

Illustration of Benefits for Endowment Assurance ‫میعادی بیمہ پالیسی‬

Policy Holder Name BENISH KANWAL
Basic Details

Prospective Policy Holder Name Expected Commencement Date Age Date of Birth Policy Holder Name
180-175402-24 18-Jan-24 34 Years 29-Sep-89 BENISH KANWAL

Coverage Details

Life Premium Premium Paying Term Coverage Term Basic Sum Assured Mode of Payment Currency of plan
100,151 10 10 1,010,000 Annual Pak Rupees

Premium Paying Term Sum Assured Supplementary Contract / Rider

Total Premium 100,151

Illustrative Values
13% 11% 9%
13% Rate of Return 11% Rate of Return 9% Rate of Return

Main Plan Death Main Plan Death Cumulative Main Plan Policy
Cash / Surrender Value Main Plan Death Benefit Cash / Surrender Value Benefit Cash / Surrender Value Benefit Premium Paid Year
- 1,031,210 - 1,025,150 - 1,021,110 100,151 1
90,496 1,052,420 90,496 1,040,300 90,496 1,032,220 200,302 2
231,153 1,073,630 218,120 1,055,450 209,431 1,043,330 300,453 3
349,048 1,094,840 330,842 1,070,600 318,704 1,054,440 400,604 4
473,848 1,116,050 449,995 1,085,750 434,094 1,065,550 500,755 5
657,649 1,199,880 614,309 1,147,360 581,805 1,107,970 600,906 6
854,328 1,283,710 789,663 1,208,970 738,979 1,150,390 701,057 7
1,065,303 1,367,540 977,311 1,270,580 906,735 1,192,810 801,208 8
1,291,688 1,451,370 1,178,181 1,332,190 1,085,836 1,235,230 901,359 9
1,535,200 1,535,200 1,393,800 1,393,800 1,277,650 1,277,650 1,001,510 10
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -

Inflation Adjusted
Cumulative Main Plan Policy
Inflation Adjusted 5% Rate of Return Inflation Adjusted 4% Rate of Return Inflation Adjusted 3% Rate of Return Permium Paid Year
964,120 964,120 955,644 955,644 958,794 958,794 850,055 10

‫روپے ہے۔‬-/100 ‫ روپے پالیسی فیس شامل ہے جس کی زیادہ سے زیادہ حد‬2.50، ‫روپے زِر بیمہ‬-/ 1000‫فی‬ 1
A Policy Fee is included of Rs. 2.50 per Rs. 1,000/- sum assured subject to a maximum of Rs. 100/-. Policy fee charged by State Life in this Illustration is Rs. 100.
‫مندرجہ باال جدول میں مذکورہ ” مرکزی پالن کا مجموعی ادا کردہ پریمیم“ سپلیمنٹری رائیڈر پریمیم کی خالص رقم ہے جو مرکزی پالن کے مجموعی پریمیم سے منہا کی جاسکتی ہے۔‬ 2
The "Cumulative Main Plan Premium Paid", mentioned in the table above, is net of the Supplementary rider premium charges which are deducted from the total main plan premium
as mentioned in the "Coverage Details" section.
‫ پاک‬،‫ جہاں اطالق ہوتاہو‬، ‫ پالیسی لون اور پالیسی انٹرسٹ سے‬،‫مندرجہ باالتشریحی مالیتوں میں مرکزی پالن کے زِر بیمہ کے لیے نقدمالیتیں اور متوقع عودی بونسز کی نقد مالیت شامل ہیں۔ یہ مالیتیں تمام چارجز‬
‫ہوں گی۔‬ 3

The Illustrative values as shown above include the cash values for the main plan sum assured and cash value of projected reversionary bonuses. These values shall be net of all
charges, policy loan and policy interest, as applicable.

‫مندرجہ باال نوٹس میں مذکورہ تمام چارجزکارپوریشن کی صوابدید پر قابِل نظِر ثانی ہیں۔‬ 4

All charges mentioned in the above notes are reviewable at the discretion of the corporation.

Signature of Client / Thumb ‫دستخط بیمہ دار‬ Signature of Sales Representative ‫دستخط بیمہ نمائندہ‬

Name of Client ‫بیمہ دار کا نام‬ Name of Sales Representative ‫بیمہ نمائندہ کا نام‬
 Date ‫تاریخ‬ Date ‫تاریخ‬

Page 2
Date 18-Jan-2024 Reference# 180-123456789-1181754

‫( مذکورہ باال تجویز کردہ‬Quoted)‫پریمیم میں خطرناک پیشوں اور جسمانی معذوری کی وجہ سے اضافی پریمیم شامل نہیں ہے۔‬ 5
The above quoted premium does not include extra premium on account of hazardous occupation and physical impairment.
‫ اخراجات اور شرح اموات پر انحصار کے ساتھ مذکورہ باال سے کم یا زیادہ فائدہ مند ہوسکتے‬،‫دستبرداری مالیتیں مفروضوں پر مبنی ہیں اور اصل نتائج کارپوریشن کی بنیادی سرمایہ کاری کی کارکردگی‬/‫نقد‬
6
‫ہیں۔‬
The Cash / Surrender values are based on assumptions. The actual results can be higher or lower than the one's illustrated above depending upon the performance of the underlying
investments, expence and mortality experience of the corporation.
‫فی صد شرح منافع پر مبنی ہے۔‬8 ‫جمع پریمیم کے لیے افراط زر کی ایڈجسٹمنٹ کے ساتھ ویلیو معتدل منظر نامے یعنی‬

Two inflation adjusted maturity values are shown in the illustration table. Maturity value-A only includes the maturity payment made at the end of the term while Maturity value-B also
includes the anticipated payments as illustrated in para Note1. The inflation adjusted value for Cumulateive Premium is based on the moderate scenario i.e. 8% rate of return.

،‫ جو منظورشدہ السٹریشن سے متضاد ہو‬، ‫خاکہ) اسٹیٹ الئف انشورنس کارپوریشن آف پاکستان کا منظور کردہ السٹریشن فارمیٹ ہے۔ کسی اور زبانی یا تحریری السٹریشن پر‬/‫یہ فراہم کردہ السٹریشن(تشریح‬
8
‫دھیان نہ دیا جائے اور کمپنی کو جلد از جلد اس کی اطالع دی جانی چاہیے۔‬

This provided illustration is the approved illustration format of State Life Insurance Corporation of Pakistan. Any Other illustration, verbal or written, which contradicts with the
approved illustration format should not be given any consideration, and must be reported to the corporation at the earliest.

Reversionary Bonus Rates used in accordance with the rate of return for the purpose of this illustration are as under:
Reversionary Bonus Rates

From 17th Policy 6th - 16th 1st - 5th Rate of Return

Year & onwards Policy Year Policy Year
- 42.00 11.00 9%
- 61.00 15.00 11%
- 83.00 21.00 13%

‫تصدیقی بیمہ نمائندہ‬

‫کرتی ہوں کہ میں نے ممکنہ بیمہ دار کو کسی بھی صورت میں‬/‫ مزید یراں میں تصدیق کرتا‬،‫رائے نہیں دی‬/ ‫ تحریری یا برقی بیان‬،‫کرتی ہوں کہ میں نے اس تصریح سے متضاد کوئی زبانی‬/‫میں تصدیق کرتا‬
‫ گمراہ نہیں کیا اور نہ دھوکہ دیا ہے میری طرف سے کسی بھی خالف ورزی کی صورت میں کہ کسی بھی نقصان کے ذمہ دار میں اور کمپنی ہوں گے ایسی صورتحال میں‬SECP ‫انشورنس آرڈیننس‬
‫کی روشنی میں کار روائی کا اختیار رکھتا ہے۔‬2000
Declaration by Sales Representative / Sales Officer / Sales Manager:

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this Illustration. I also confirm that I have not misled or deceived the
prospective client in any way. In case of any misconduct on my part, the company and I shall be responsible for any loss to the prospective client, in such circumstances; SECP shall
have the authority to take any action in light of the Insurance Ordinance 2000.

Agent Name & Code ‫بیمہ نمائندہ نام اور کوڈ‬ Signature Sale Agent ‫دستخط بیمہ نمائندہ‬

Designation ‫عہدہ‬ Date ‫تاریخ‬

‫تصدیقی بیمہ دار‬
‫کرتی ہوں کہ مجھے اس تصریح سے متضاد‬/‫کرتی ہوں کہ میں نے مندرہ باال تصریح اور نوٹ کا بغور مطالعہ کیا ہے اور کلی طور پر ان کو سمجھا ہے۔ مزید یراں میں تصدیق کرتا‬/‫میں تصدیق کرتا‬
Declaration by Client ‫تحریری یا برقی تصریح نہیں پیش کی گئی۔‬/‫کوئی زبانی‬

I have studied the above Illustration and notes carefully and understood them fully. I also confirm that no other illustration verbal, written or electronic on contradiction to this
illustration has been given to me.
Policy Holder Name ‫بیمہ دار نام‬ Date ‫تاریخ‬ Signature Policy Holder ‫دستخط بیمہ دار‬

Address ‫پتہ‬ CNIC Number ‫شناختی کارڈ نمبر‬

Page 3
Date 18-Jan-2024 Reference# 180-123456789-1181754

Historical Investment Performance

Historical Performance: ‫اسٹیٹ الئف انشورنس کارپوریشن پاکستان کی تاریخی کارکردگی درج ذيل ہے‬:
The historical performance of State Life Insurance Corporation of Pakistan are as follows:

Commencement Date 1972 Fund Name: Pakistan Life Fund

Year 2016 2017 2018 2019 2020

Yearly Returns 12.02% 11.04% 9.60% 10.07% 10.26%
Average Return since inception (1972) of the Fund: 12.34%

Declaration by Sales Representative / Sales Officer / Sales Manager:

I confirm that I have not made any verbal, written or electronice persentation which is in contradiction to this fund's historical investment performance
presentation. I also confirm that I have not misled or deceived the prospective client in any way.

Agent Name ‫بیمہ نمائندہ نام‬ Signature Sale Agent ‫دستخط بیمہ نمائندہ‬

Agent Code ‫بیمہ نمائندہ کوڈ‬ Date ‫تاریخ‬

 Page 1 of 3

Illustration of Benefits for Plan Endowment Assurance Prepared for BENISH KANWAL
Basic Details
Prospective Policy Holder Expected
Proposal No
Name Date of Birth Age Commencement Date
BENISH KANWAL 29-Sep-1989 34 Years 18-Jan-2024 180-175402-24
Coverage Details
Mode of Coverage Premium Paying Life
Currency of plan Payment Basic Sum Assured Term Term Premium
Pak Rupees Annual 1,010,000 10 10 100,151
Premium Paying
Supplementary Contract / Rider Sum Assured Term Premium

Total Premium 100,151

Illustrative Values
8 % Rate of Return 10 % Rate of Return 12 % Rate of Return
Policy Cumulative Main Plan Main Plan Death Cash / Surrender Main Plan Death Main Plan Death Cash / Surrender
Year Premium Paid Benefit Value Benefit Cash / Surrender Value Benefit Value
1 100,151 1,021,110 - 1,025,150 - 1,031,210 -
2 200,302 1,032,220 90,496 1,040,300 90,496 1,052,420 90,496
3 300,453 1,043,330 209,431 1,055,450 218,120 1,073,630 231,153
4 400,604 1,054,440 318,704 1,070,600 330,842 1,094,840 349,048
5 500,755 1,065,550 434,094 1,085,750 449,995 1,116,050 473,848
6 600,906 1,107,970 581,805 1,147,360 614,309 1,199,880 657,649
7 701,057 1,150,390 738,979 1,208,970 789,663 1,283,710 854,328
8 801,208 1,192,810 906,735 1,270,580 977,311 1,367,540 1,065,303
9 901,359 1,235,230 1,085,836 1,332,190 1,178,181 1,451,370 1,291,688
10 1,001,510 1,277,650 1,277,650 1,393,800 1,393,800 1,535,200 1,535,200
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
Inflation Adjusted
Policy Cumulative Main Plan
Year Permium Paid Inflation Adjusted 3% Rate of Return Inflation Adjusted 4% Rate of Return Inflation Adjusted 5% Rate of Return
10 758,355 661,999 661,999 722,181 722,181 795,445 795,445

Notes:
1 A Policy Fee is included of Rs. 2.50 per Rs. 1,000/- sum assured subject to a maximum of Rs. 100/-. Policy fee charged by State Life in this Illustration is Rs. 100.

2 The "Cumulative Main Plan Premium Paid", mentioned in the table above, is net of the Supplementary rider premium charges which are deducted from the total main
plan premium.
3 The Illustrative values as shown above include the cash values for the main plan sum assured and cash value of projected reversionary bonuses. These values shall
be net of all charges, policy loan and policy interest, as applicable.

4 All charges mentioned in the above notes are reviewable at the discretion of the corporation.
5 The above quoted premium does not include extra premium on account of hazardous occupation and physical impairment. The cash values are based on assumptions
and the actual results may be more or less favorable.
6 Two inflation adjusted maturity values are shown in the illustration table. Maturity value-A only includes the maturity payment made at the end of the term while
Maturity value-B also includes the anticipated payments as illustrated in para Note1. The inflation adjusted value for Cumulateive Premium is based on the moderate
scenario i.e. 8% rate of return.
7 Annual premium exceeding Rs.300,000 (three hundred thousands) shall be subject to an advance tax of 1% of the premium for non-filers as required by FBR. This
amount paid as Tax will not participate in Cash value or other benefits accruing under the basic premium of the Policy

8 This provided illustration is the approved illustration format of State Life Insurance Corporation of Pakistan. Any Other illustration, verbal or written, which contradicts
with the approved illustration format should not be given any consideration, and must be reported to the corporation at the earliest.

Signature of Client / Thumb Signature of Sales Representative

Name of Client Name of Sales Representative

Illustration Version No:8.0 01/18/2024

Date Date

Page 2 of 3
Reference# 180-175402-24

Reversionary Bonus Rates used in accordance with the rate of return for the purpose of this illustration are as
Reversionary Bonus Rates
1st - 5th 6th - 16th From 17th Policy
Rate of Return
Policy Year Policy Year Year & onwards
8% 11.00 42.00 -
10% 15.00 61.00 -
12% 21.00 83.00 -

Declarations
(a) Declaration by Sales Representative / Sales Officer / Sales Manager:

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this Illustration. I also confirm that I have
not misled or deceived the prospective client in any way. In case of any misconduct on my part, the company and I shall be responsible for any loss
to the prospective client, in such circumstances; SECP shall have the authority to take any action in light of the Insurance Ordinance 2000.

If the prospective client(s) is/are illiterate, I also declare that before the prospective client(s) has/have affixed his/her thumb impression on this form
in my presence, I have read, translated and explained the contents of the above form, which he/she has fully understood.

Signature Date

Name and Code

Designation

(b) Declaration by Client:

I have read the above Illustration and notes carefully and understood them fully. I also confirm that no other illustration verbal, written or electronic
on contradiction to this illustration has been given to me.

Signature / Thumb Impression Date

Name

Address

CNIC#

Illustration Version No:8.0 01/18/2024

 Page 3 of 3
Date 18-Jan-2024 Reference# 180-175402-24

Historical Investment Performance

Historical Performance:
The historical performance of State Life Insurance Company Limited are as follows:

Fund Name: Pakistan Life Fund Commencement Date 1972

Year 2011 2012 2013 2014 2015

Yearly Returns 13.32% 13.77% 15.78% 13.27% 13.11%
Average Return since inception (1972) of the Fund: 12.34%

Declaration by Sales Representative / Sales Officer / Sales Manager:

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this fund's historical investment performance
presentation. I also confirm that I have not misled or deceived the prospective client in any way.

Signature Date
Name Code No

Illustration Version No:8.0 01/18/2024