Our products – Summary Page

At Arkad Consultants, we offer a selection of life insurance and savings plans from the State Life Insurance Corporation of Pakistan (SLIC), designed to provide financial security, long-term savings, and employee retention benefits.

Why Choose SLIC Policies?

All SLIC policies come with unique benefits that make them an ideal choice for both employers and individuals:

Government guarantee – All policies are underwritten by SLIC and guaranteed by the Government of Pakistan.

Strongest financial rating – SLIC is the only insurer in Pakistan with a ‘AAA’ financial health rating from the Pakistan Credit Rating Agency (PACRA).

High profit sharing – 97.5% of SLIC’s annual surplus is distributed to policyholders in the form of bonuses.

Locked-in bonuses – Declared bonuses become part of the sum assured and cannot be reversed, ensuring steady policy growth.

Policy ownership and transfer – Policies are owned by employers and can be transferred to employees once the employer issues a No Objection Certificate (NOC).

1. SLIC Endowment Assurance Plan.

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A secure and reliable savings plan that provides a guaranteed payout at the end of the policy term or to beneficiaries in case of the life insured’s passing.

Key Features:

• Guaranteed payout – Lump sum paid at maturity or to beneficiaries in case of death.
• Protection and savings – The policy includes a death benefit and attractive savings component.
• Accrued Bonuses – Earns bonuses over the policy term, increasing the final payout.
• Flexible Coverage – Can be enhanced with supplementary benefits for additional protection.

2. SLIC Anticipated endowment assurance plan.

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A modified endowment plan offering periodic survival benefits along with long-term financial security.

Key Features:

• Three payouts – Survival benefits paid at 1/3 and 2/3 of the policy term (25% each) and the remaining 50% at maturity.
• Special bonus option – Unclaimed survival benefits earn an additional reversionary bonus.
• Full protection – In case of death, the full sum insured, accrued bonuses, and any unclaimed payouts are paid to beneficiaries.
• Ideal for milestone planning – Helps with financial needs at different life stages without breaking the policy.

3. SLIC Sadabahar assurance plan.

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A flexible anticipated endowment plan offering both periodic cash benefits and life protection.

Key Features:

• Built-in Accidental Death Benefit (ADB) – Additional sum insured (up to PKR 10 mil) paid in case of accidental death.
• Survival benefits – Lump sum payouts at predefined intervals during the policy term.
• Long-term financial security – Ensures savings growth along with life insurance coverage.

Each of these plans is designed to help individuals and businesses secure a financially stable future. For more details or assistance in selecting the right plan, contact us at info@arkadlimited.com.