International Protector Middle East +
Our award-winning protection product for the Middle East.
Introduction
International Protector Middle East + is an award-winning protection product. It offers you peace of mind should the worst happen with a tailored protection solution to suit your needs. You can choose life cover, life or earlier critical illness cover and critical illness cover in one plan. You can choose from three different cover options: stand-alone life cover; stand-alone critical illness cover; life cover or earlier critical illness cover. You also have the choice of level or decreasing term assurance depending on your circumstances.
Features and benefits
| Product features | Investor benefits |
|---|---|
| Life cover. | Will pay out to financially support your loved ones. Financial support and peace of mind that your loved ones could 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 would receive financial support, if you become totally or permanently disabled. |
| Guaranteed premiums. | Premiums will 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. | Premiums and cover are available in US Dollars (USD), Sterling (GBP), UAE Dirham (AED) and Euro (EUR). You can choose a currency which suits and this will remain throughout the plan. |
| Single and joint life. | Single or joint life basis available. Offering financial security that your spouse is covered, should you choose joint life. |
| Cover available for any term. | Cover is available for any number of years, providing your client is under age 80 at the end or age 70 for Critical Illness cover. 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. |
- Best Doctors
- Cancer - a female's perspective
- Cancer - a male's perspective
- Claims statistics: January 2020 to December 2022
- Comparison between Critical Illness Cover and Medical Insurance
- Critical Illness - Are you protected?
- Critical Illness Cover
- Female life and critical illness guide
- IPME + Brochure
- IPME + Critical Illness Insurance
- IPME + Guide to Critical Illness
- IPME + Product Guide
- Life Cover or Life Cover and Total and Permanent Disability Benefit (Policy Conditions)
- Life and Critical illness insurance
- Life or Earlier Critical Illness Cover or Critical Illness Cover (Policy Conditions)
- NRI Critical Illness UAE
- Why you need protection
Next Steps
To help achieve your financial goals, it’s important that you get independent financial advice. You can only buy our products through a financial adviser, so please speak to yours for guidance. They will help ensure your plans are tailored to meet your needs. If you do not have a financial adviser click here