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. |
