Top of main content

International Term Assurance (ITA)

Secure your loved ones' future with a life term plan from Zurich International Life.

About Zurich International Term Assurance

The Zurich International Term Assurance policy provides cover for your life and for many illnesses and injury related risks that could significantly affect your way of life. It gives you invaluable peace of mind for a reasonable premium.

What you get with a Zurich International Term Assurance policy

Additional cover

Add any combination of additional covers including critical illness, permanent and total disability, and waiver of premium benefit.

Low premiums

Get high levels of coverage for relatively low premiums, based upon your circumstances. The minimum monthly premium is USD 30.

Flexible terms

Choose a plan term from 5 to 35 years, with cover from USD 100,000 to USD 20,000,000.

Flexible plans

Enjoy portable plans that can move with you as circumstances change.[@productportability]

What's covered

A cash sum will be paid if the insured person dies, a partner or person on a joint policy dies, or both. 

 

Find out how you and your loved ones might benefit, depending on the level of cover you choose.
Type of cover What it provides
Life cover Cash sum if you die during term of policy, or if you 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 34 critical illnesses covered by the policy during the policy term.
Permanent and total disability (optional) Cash sum if you become permanently and totally disabled during the policy term.
Waiver of premium (optional) Policy premiums paid if you are unable to work through illness or accident.

A cash sum will be paid if the insured person dies, a partner or person on a joint policy dies, or both. 

 

Find out how you and your loved ones might benefit, depending on the level of cover you choose.
Type of cover Life cover
What it provides Cash sum if you die during term of policy, or if you 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 34 critical illnesses covered by the policy 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 Waiver of premium (optional)
What it provides Policy premiums paid if you are unable to work through illness or accident.

Premium example

Here are some examples of premiums you might pay for International Term Assurance.
Profile Coverage requirements International Term Assurance premium
45 year-old age next birthday, male and non-smoker Sum assure of AED1,000,000 up to age 60 Annually: AED3,165
Daily: AED8.6
35 year-old age next birthday, female and non-smoker Sum assure of AED 1,000,000 up to age 60 Annually: AED 1,318
Daily: AED 3.6
Here are some examples of premiums you might pay for International Term Assurance.
Profile 45 year-old age next birthday, male and non-smoker
Coverage requirements Sum assure of AED1,000,000 up to age 60
International Term Assurance premium Annually: AED3,165
Daily: AED8.6
Profile 35 year-old age next birthday, female and non-smoker
Coverage requirements Sum assure of AED 1,000,000 up to age 60
International Term Assurance premium Annually: AED 1,318
Daily: AED 3.6

The figures are for illustration purposes only. Insurance eligibility and premiums are subject to underwriting.

Things to know

Who can apply?

You can apply for International Term Assurance if you:

  • Live in the UAE at the time you apply[@productportability]
  • Are aged 21 to 49
  • Already bank with HSBC Bank Middle East Limited

Get started

To speak to us about International Term Assurance, fill out your details and someone from our wealth management team will call you in 1 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.

You might also be interested in

Do you need life insurance?

 

Find out when you may and may not need life cover to help you decide if it’s right for you.

How much life insurance do you need?

 

Your amount of life insurance is important, especially if you have loved ones to support and debts you’d want repaid.

Should you buy a single or a joint life policy?

 

Here's a simple guide to help you decide whether to go for a single or joint life policy.

Additional information

    Disclaimer 

    All life insurance plans are provided and underwritten by Zurich International Life Ltd. This is only general information and does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the product brochures, product summary and benefit illustration in deciding whether to buy this product. You can ask for these documents from any of our branches. Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid.

    Product terms and conditions, exclusions and eligibility criteria apply. The terms and conditions applicable to these products will be of Zurich International Life Ltd, and HSBC will not be responsible for claims, processing or otherwise. For the avoidance of doubt, HSBC does not provide tax advice and you should seek your own external tax advice in relation to this product.

    Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.