Features and benefits

Our award-winning protection product for the United Arab Emirates (UAE).

Product features Benefits
Life Cover Will pay out to provide financial support for your loved ones giving you peace of mind that they can survive financially.
Critical Illness Cover (CIC) Pays out if you are diagnosed with one of our defined critical illnesses. So you can concentrate on recovering, rather than worrying about your finances.
Life or Earlier CIC Pays a cash sum if you die or are diagnosed with one of our defined critical illnesses - whichever happens first. Offering financial protection for both scenarios.
Terminal Illness Benefit Will pay out if you are diagnosed with a terminal illness. Included at no extra cost, for Life Cover policies with terms of 3 or more years and all Life or Earlier CIC policies. You can spend quality time with your family, with the help of financial support.
Total and Permanent Disability Benefit (TPD) An optional addition to Life Cover, paying out if you are diagnosed with a TPD. You will receive financial support, if you are totally and permanently disabled.
Guaranteed Premiums Premiums remain the same for Life Cover and Life Cover with TPD. CIC premiums are guaranteed for the first 5 years. Meaning you can budget effectively as Life Cover premiums will never increase.
Multi-currency You can choose a currency that suits you, which will remain throughout the plan. Premiums and cover are available in US Dollars (USD), Sterling (GBP), Euro (EUR) and UAE Dirham (AED)
Single and Joint Life Single or joint life basis available. Offering financial security that your spouse or partner is covered should you select the joint life option.
Cover available for any term Cover is available for any number of years up to age 80 at the end of the term (age 70 for CIC). Cover can be tailored. So if a mortgage is for 25 years, Life Cover could have a 25 year term.
Monthly or Annual Premiums. Premiums can be paid either monthly or annually. You can decide which frequency suits you.
Level or Decreasing Term Both types of cover offer you a lump sum payment should you die. Decreasing Term provides a lump-sum at the time of claim that aims to sufficiently cover the outstanding liability on a repayment loan – ideal protection against your mortgage. You can choose cover to suit your circumstances.
Portability It's portable, which means you can take it with you if you ever decide to move.
Accelerated Premium Payment (APP) For expatriates who prefer not to continue paying premiums throughout the policy term, the APP provides a range of payment terms.