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Zurich Futura Whole Life Insurance

Insurance Zurich Futura Whole Life Insurance offers lifelong financial security, ensuring your loved ones are protected no matter what happens. This policy provides a guaranteed payout in case of death providing a safety net for your beneficiaries. Additionally, it provides optional benefits for ...read more critical illness, disability, and accidents. Unlike term insurance, which covers only a specific period, whole life insurance ensures continuous protection throughout your lifetime.

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AED 1 Million Cover
Starting @ AED 50/month*
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One of the key advantages of Futura is its flexibility. It allows policyholders to adjust coverage levels and add benefits based on changing financial needs. Additionally, the policy includes an investment component to grow savings over time. This makes it an excellent option for estate planning, wealth transfer, or ensuring financial stability for dependents.
Whether you are looking to secure your family’s future, protect your business, or build long-term savings, Zurich Futura Whole Life Insurance is a comprehensive solution designed to provide peace of mind and financial stability.

What is Whole Life Insurance?

Whole life insurance in the UAE provides lifelong financial protection, ensuring coverage up to a specified age, often 99. It guarantees a payout to beneficiaries upon the policyholder’s passing, offering financial security for loved ones. A key feature distinguishing it from term insurance is the component of cash value that accumulates with time, which can be accessed if needed. 
Premiums remain fixed, making it a reliable long-term solution. Whole life insurance is ideal for those looking for lasting coverage, estate planning, or a way to leave a financial legacy. It also provides peace of mind by securing future financial stability.

Zurich Futura Whole Life Insurance
Futura whole life insurance is a flexible unit-linked policy that provides lifelong protection for you and your family. It provides a financial safety net in the event of death, disability, critical illness, or accident. The policy can also support business needs.
An advisor can help determine if Futura is right for you, recommend suitable coverage, and guide you in selecting investment funds based on your risk profile.

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Features and  Benefits of Zurich Futura Whole Life Insurance

The following are the features and benefits of Zurich Futura life insurance -

  • ✅Offers lifelong insurance coverage with a cash payout to your loved ones upon death
  • ✅Includes optional benefits to cover financial risks from serious accidents or illnesses
  • ✅Allows flexibility to adjust coverage levels and add extra benefits as needed

Understanding the Working of Zurich Futura Whole Life Insurance

1

Futura insurance premiums can be paid in lump sum or regular instalments till the age of 96 years. Flexible payment terms range from 7 to 50 years ("vanishing premium"). Payments can be made monthly, quarterly, half-yearly, or annually

2

The policy is available in USD, GBP, EUR, AED, BHD, and QAR. You can pay the premium using any of the methods including UAE direct debit, credit card, standing order, cheque, or TT (for the first payment). Single premiums can be paid by cheque or TT

3

Premiums are invested in selected funds, with values changing based on market performance. Understanding investment risks is essential, and financial advice can help with fund selection

4

Regular premiums can be increased over time. Decreases are permitted but must meet minimum limits and may affect coverage. If funds are insufficient, the policy may lapse

5

Cancellations are allowed within 30 days of receiving documents for a full refund. Claims should be reported promptly, with medical reviews or examinations if required. Full details are in the Policy Terms and Conditions

 
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An Overview of Futura Whole Life Insurance Policy

What’s Included -
  • Life Cover - Pays a cash benefit upon the death of the insured
  • Terminal Illness Benefit - The life cover amount is paid if the insured is diagnosed with a terminal illness (not available for joint life-last death policies).
  • Funeral Coverage - An advance payment of USD 7,500 can be provided from the claim proceeds to cover the initial funeral or repatriation costs. The payment goes to the beneficiary or policy owner
  • Aeroplane Cover - An extra cash sum (up to USD 1 million) is paid in case the life assured dies while travelling as a passenger on a commercial flight
  • Life Event Increase Option - Policy benefits can be increased within 90 days of major life events such as marriage, childbirth, or home purchase, without further underwriting (available for standard underwriting policies)
  • Medical Second Opinion - Provides access to top medical experts for critical health decisions, offering additional peace of mind for the insured and their family

 

What’s Not Included -
  • Suicide and Self-Inflicted Injuries - There is no coverage for suicide or intentional self-harm within the first year of the policy
  • Honesty in Application - Health and lifestyle details must be accurately provided. Incorrect information may result in a denied claim
  • Withdrawal of Policy Value - Coverage remains active as long as the fund value can support it. Withdrawals decrease the policy duration, and in case the value reaches zero, coverage ends
 
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Optional Benefits of Zurich Futura Whole Life Insurance

 

Accidental Death Benefit  Provides an extra cash payout in addition to the life cover sum if death occurs due to an accident
Critical Illness Benefit  Pays a lump sum if diagnosed with a covered critical illness or undergoes a specified medical procedure. This payment is deducted from the life cover sum. It covers 36 conditions*
Family Income Benefit Provides regular payments to beneficiaries in case the insured dies for the remaining benefit term, which is selected at the start of the policy
Fixed Term Income Benefit Provides regular payments if the insured person passes away before age 70. Payments start once the claim is approved and continue for the selected term
Hospitalisation Benefit A benefit is paid if the insured person is hospitalized for at least four consecutive days
Permanent and Total Disability A lump sum payment is made if the insured person is diagnosed with permanent and total disability, as defined in the policy terms. This does not reduce the life cover amount
Waiver of Premium If the insured person becomes fully incapacitated due to illness or accident (as defined in the policy terms), future premiums are covered, ensuring the policy remains active as planned
 
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*Please Note - Following are the major critical illnesses covered under this rider -

  1. Aorta graft surgery 
  2. Bacterial Meningitis 
  3. Permanent and Irreversible Blindness
  4. Cardiomyopathy
  5. Coma
  6. Creutzfeldt-Jakob Disease
  7. Dementia (before the age of 65)
  8. Encephalitis
  9. Heart Valve Repair or Replacement
  10. Kidney Failure
  11. Loss of Hands or Feet
  12. Loss of Speech
  13. Major Organ Transplant
  14. Multiple Sclerosis
  15. Paralysis of Limbs
  16. Primary Pulmonary Arterial Hypertension
  17. Systematic Lupus Erythematous 
  18. Traumatic Head Injury
  19. Aplastic Anaemia
  20. Benign Brain Tumour
  21. Cancer 
  22. Children’s Critical Illness
  23. Coronary Artery By-pass Grafts
  24. Irreversible and Permanent Deafness
  25. Ductal Carcinoma in Situ of the Breast
  26. Heart Attack 
  27. Heart Failure
  28. HIV Infection
  29. Liver Failure (end stage)
  30. Loss of Independent Existence
  31. Lung Disease (end stage)
  32. Motor Neurone Disease
  33. Open Heart Surgery 
  34. Parkinson’s Disease (before the age of 65)
  35. Stroke
  36. Third-degree Burns

How to Buy Zurich Futura Whole Life Insurance Plan in the UAE?

Here’s a step-by-step process to buy Zurich Futura whole life insurance in the UAE -

  • At our Policybazaarinsurance.ae and select the "Whole Life Insurance" tab
  • Fill in basic details like name, age, contact information, and coverage preferences
  • Review the available quotes and compare coverage, benefits, and premiums
  • Choose the Futura Whole Life Insurance plan that fits your needs
  • Upload required documents, including ID, medical records, and financial details
  • Make the initial premium payment using the available options
  • Receive your policy details via email and activate your coverage
 
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