About Whole Life Insurance
Zurich Futura gives you, your family and your loved ones financial security in the event of death, serious illness, accident or disability.
What you get with a Zurich Whole Life policy
Cover for your lifetime
Worldwide cover for death due to any cause during your lifetime.
Protection for your family
Plans that cover your children against critical illness at no extra cost.[@wholelifechildren]
Flexible protection plans
Make changes to benefits as the circumstances of your life change.
Flexible payments
Options to pay in different currencies and in different frequencies.
What's covered
Zurich Futura is a unit-linked policy which has flexibility to protect you and your family for your entire lifetime.
- Get a lump sum payment on the death of the relevant life insured
- Minimum monthly premium is USD 150
- Death and critical illness claims can be submitted in writing or online
| Type of cover | What it provides |
|---|---|
| Life cover | Cash sum if you die during the term of the policy, or you are diagnosed with a terminal illness and have less than 12 months to live, provided that the diagnosis occurs before the last 18 months of the policy term. |
| Critical illness (optional) | Cash sum if you are diagnosed with one of the 36 critical illnesses during the policy term. |
| Permanent and total disability (optional) | Cash sum if you become permanently and totally disabled during the policy term. |
| Cancer cover (optional) | Cash sum if you are diagnosed with one of the cancers listed in the policy terms and conditions. |
| Waiver of premium (optional) | Policy premiums paid if you are unable to work through illness or accident. |
| Accidental death (optional) | Cash sum in addition to the life cover sum insured if you die as a result of an accident. |
| Dismemberment (optional) | Cash sum if you suffer from loss of sight or a limb as the result of an accident as defined in the policy terms and conditions. |
| Family income (optional) | Regular payments to your beneficiaries if you die for the remaining benefit term. The term of cover is selected by you and begins from the start of the policy. |
| Fixed term income (optional) | Regular payments to your beneficiaries if you die before the age of 70. The term of benefit payments is selected by you and begins from the date of your death. |
| Hospitalisation (optional) | Payments if you are hospitalised for 4 or more consecutive days. |
| Type of cover | Life cover |
|---|---|
| What it provides | Cash sum if you die during the term of the policy, or you are diagnosed with a terminal illness and have less than 12 months to live, provided that the diagnosis occurs before the last 18 months of the policy term. |
| Type of cover | Critical illness (optional) |
| What it provides | Cash sum if you are diagnosed with one of the 36 critical illnesses during the policy term. |
| Type of cover | Permanent and total disability (optional) |
| What it provides | Cash sum if you become permanently and totally disabled during the policy term. |
| Type of cover | Cancer cover (optional) |
| What it provides | Cash sum if you are diagnosed with one of the cancers listed in the policy terms and conditions. |
| Type of cover | Waiver of premium (optional) |
| What it provides | Policy premiums paid if you are unable to work through illness or accident. |
| Type of cover | Accidental death (optional) |
| What it provides | Cash sum in addition to the life cover sum insured if you die as a result of an accident. |
| Type of cover | Dismemberment (optional) |
| What it provides | Cash sum if you suffer from loss of sight or a limb as the result of an accident as defined in the policy terms and conditions. |
| Type of cover | Family income (optional) |
| What it provides | Regular payments to your beneficiaries if you die for the remaining benefit term. The term of cover is selected by you and begins from the start of the policy. |
| Type of cover | Fixed term income (optional) |
| What it provides | Regular payments to your beneficiaries if you die before the age of 70. The term of benefit payments is selected by you and begins from the date of your death. |
| Type of cover | Hospitalisation (optional) |
| What it provides | Payments if you are hospitalised for 4 or more consecutive days. |
Things to know
Who can apply?
You can apply for Zurich Futura Whole Life Insurance if you:
- Are a UAE national or live in the UAE[@productportability]
- Are aged 21 to 74
- Already bank with HSBC Bank Middle East Limited
Get started
To speak to us about Whole Life insurance, fill out your details and someone from our wealth management team will call you in one working day.
We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.
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