🔴 TRENDING
SECP State Life introduces new digital Takaful certificate structures for 2026.
BONUS Jubilee Life announces highest reversionary bonus scale for unit-linked plans.
ALERT Surrender charges are zero after 3 years of policy compliance in Pakistan.
TAX SAVINGS Salary earners can claim tax credit up to 20% on premium investments under section 62.

Insurance Cash Value Calculator in PKR

This best free online life insurance cash value calculator in Pakistan is built for you. Now you no longer need to call an agent or do manual policy value calculations yourself.

⚡ Live System Framework
PKR 640 Billion +
SECP Regulated Asset Base Valuation

Calculate Your Life Insurance Cash Value Instantly

Check the live "Cash Value" of your policy based on its duration, or compare different insurance plan calculations in a single click.

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Plan Category
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Company
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Metrics
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Report

Select Insurance Plan:

📄Life Insurance
🏥Health Insurance
🏭General Insurance
🏡Home Insurance
🚗Car Insurance
✈️Travel Insurance
📈Endowment Plan
🏍️Motor Insurance

Configure Asset Parameters

📝 Financial Projection Dashboard

Your Total Paid Premium Asset
PKR 0
Surrender Charge Penalty: 0%

1. Surrender Value

PKR 0

2. Partial Withdrawal Max

PKR 0

3. Est. Maturity

PKR 0

4. Natural Death Amount

PKR 0

5. Accidental Death Amount

PKR 0

6. Disability Amount

PKR 0

📑 Step-by-Step Life Insurance Claim and Policy Surrender Guide in Pakistan

See the required documents and processing time for Surrender, Partial Withdrawal, Death Claim, and Maturity Process, according to each company:

State Life Insurance

Policy Surrender Procedure
⏱️ Est. Time: 7 to 10 Working Days

📌 Required Documents List:

💡 Pro Tip: Visit the company's head office or zonal office directly. Payment is always made through a direct A/C payee cheque or IBFT transfer. Never hand over personal cash or a cheque to an agent.

💡 SECP Approved Life Insurance Premium Calculator & Illustration Tool

Customize your expected projections and check policy status instantly.

📊 Compare Best Life Insurance Plans in Pakistan Side by Side

Compare standard vs. high-allocation policy structures available in Pakistan:

Policy Feature Standard Endowment Plan Unit-Linked High Allocation
Year 1 Premium Allocation 25% - 35% 50% - 70%
Surrender Lock-in Penalty High Loss (Year 1: 100%) High Loss (Year 1: 100%)
Surrender Charge Zero After Year 3 After Year 3
Bonuses / Growth Pool Reversionary + Terminal Dividend Mutual Fund Unit Appreciation

💡 Questions to Ask Before Buying a Life Insurance Policy in Pakistan

Make sure you ask your agent these 4 important questions before signing a policy:

  • ✅ 1st Year Allocation Rate: What percentage of my premium will be invested in the first year, and how much will be deducted?
  • ✅ Partial Withdrawal Terms: After the first 3 years, what percentage will the company charge if I make an emergency withdrawal?
  • ✅ SECP License Check: Is the insurance agent/broker present on the SECP authorized registered agent list?
  • ✅ Guaranteed vs Projected Growth: Is the maturity amount stated in the proposal document guaranteed, or is it based on an expected bonus rate?

📝 Apply for a New Insurance Policy Online (Pakistan & Overseas Clients)

Submit a new policy application with complete documentation, or check your existing policy's approval status using your Policy Number. Available for Pakistani residents as well as overseas / foreign clients.

📌 Required Documents for Submission:

    How Much Life Insurance Coverage Do You Need in Pakistan?

    Estimate a safe cover amount based on your monthly expenses and protection timeline.

    Recommended Ideal Life Cover

    PKR 4,800,000

    Calculation Details:
    • Base Yearly Expense: PKR 480,000
    • Inflation Factor: Active (+35%)
    • Recommended Sum Assured target based on guidelines.

    Frequently Asked Questions

    Commonly asked questions about insurance categories and cash values

    The basic purpose of Life Insurance is protection, so that in the event of an unfortunate incident, the family receives full financial backup (Sum Assured). Endowment & Saving Plans, on the other hand, combine protection with an investment element, where you receive a large cash value at maturity along with terminal and reversionary bonuses.
    Car Insurance is generally customized for the full protection (comprehensive cover, tracking device, automatic parts replacement) of 4-wheeler commercial or private vehicles. Motor Insurance is a broader category that targets 2-wheeler motorbikes, scooters, and standard compliance checks, to help protect against loss from theft or snatching.
    Under normal circumstances, conventional life and endowment plans can be surrendered after paying a minimum of 2 to 3 full years of premiums. Cash Surrender Value is the amount that companies pay back to you when you terminate a policy prematurely, after deducting claims charges and management costs.
    No. Asset protection plans such as Home, Travel, and General Insurance are generally designed for limited terms or annual cycles. They do not have a long-term investment pool or cash maturity value. If no accident or claim occurs during the entire term, the premium is considered an expired asset.