Simple Life Insurance
Life insurance made easy
| Covers | Flexible payments | Minimal paperwork |
|
|---|---|---|---|
| Your life, critical illness or permanent and total disability | Yes | Yes |
Here's what you get:
Life cover – pays a cash sum if you pass away from USD100,000 to USD350,000.
Optional critical illness cover – pays a cash sum if you are diagnosed with a critical illness during your policy.
Optional permanent and total disability cover – pays a cash sum if you suffer from a disability and are unable to work.
More benefits:
Quick and easy to arrange – minimal paperwork and no medical examination*.
Terminal illness benefit included.
Internationally portable.
| Feature | Benefit |
| No automatic medical examination, just a few simple health and lifestyle questions | Straightforward application process, avoiding unnecessary medical tests and reducing the time to you receiving your policy |
| Fixed premiums for fixed life cover sums assured | Peace of mind at an affordable price |
| Option to add critical illness or permanent total disability to the policy | Additional cover in case you need it |
| Plan term ranging from 5 years to 35 years | Flexibility to choose a term that you are comfortable with |
| Terminal illness | Terminal illness included as part of life cover at no additional charge |
Here's what you get:
- Individual cover for death due to any cause*
- Plans from 5 to 35 years
- Single cover, choice of beneficiaries
- Available in sounds sterling, US dollars and euros
For individuals, the minimum age for taking the policy is 18 years and the maximum age is 55
The policy is available for a single life
Your premiums are dependent on:
- How much cover you need
- The term of the policy (ranging from 5 years to 35 years)
- Your age and gender
- Your health and lifestyle, including whether you smoke or not
- The benefits you select
What additional covers could I add?
Simple Life also gives you the flexibility to add one of the following benefits to your policy:
- Critical illness benefit, or
- Permanent and total disability benefit
Critical Illness benefit pays a cash sum if you are diagnosed with one of the defined illness or conditions covered by your policy (including cancer, heart attack and stroke).
Permanent and Total Disability (PTD) benefit pays a cash sum if an illness or accident leaves you permanently and totally disabled.
How much will it cost?
Your premiums are dependent on:
- How much cover you need
- The term of the policy (ranging from 5 years to 35 years)
- Your age and gender
- Your health and lifestyle, including whether you smoke or not
- The benefits you select
What payment methods are available?
- Monthly and annual premiums must be paid by standing instruction. Premiums must be paid in the same currency as the policy
- If a premium is not paid within one calendar month, Zurich International Life Limited allows up to three months before lapsing the policy
- The policy provides protection only and will therefore not acquire a cash-in value at any time
If I leave the UAE, can I take the plan with me?
Yes, providing you maintain your premiums, the plan is fully portable and can move around with you.
Can my premiums change in the future?
The premium amount is guaranteed for the life cover throughout the term while the premium for critical illness will be reviewed at certain points in time within the term of the policy by the insurance provider.
Do I get my money back at the end of the policy term?
The premium amount is guaranteed for the life cover throughout the term while the premium for critical illness will be reviewed at certain points in time within the term of the policy by the insurance provider.
Life insurance made easy – cover you or your spouse's life at little cost. You or the named beneficiary will be paid a cash sum in the event of death or terminal illness with Simple Life Term Life insurance.
