Futura
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A lifetime, unit linked protection plan with the flexibility of allowing you to make changes to benefits as the circumstances of your life change
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A worldwide policy that covers death due to any cause
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Provides core life cover benefit with the option to add any combination of benefits including critical illness, permanent and total disability, Waiver of Premium; Accident Death Benefit; dismemberment, Family Income and Hospitalisation benefit
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Options to pay in different currencies and in different frequencies
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A loyalty bonus from tenth policy anniversary and each year thereafter
Our representative will call you back in 60 minutes4 to proceed with your request.
International Level Term (ITA)
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A level term designed to pay a cash sum which is fixed at the outset if you pass away
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Provides core life cover benefit with the option to add any combination of benefits including critical illness, permanent and total disability and Waiver of Premium (WOP)
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High levels of cover for relatively low premiums based on your circumstances
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Term options from 5 to 35 years for single, life of another or joint lives first death
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Simple Life product is also for sum insured between USD 100,000 and USD 350,000 with no automatic medical examination, just a few simple health and lifestyle questions
Our representative will call you back in 60 minutes4 to proceed with your request.
Wealth Accumulation Plan
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Construct your own investment portfolio according to your risk profile from a range of funds and a choice of currencies
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Start with a minimum initial single premium and flexibility to add additional contributions at any time
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Switch between investment funds at no extra cost to reflect your changing circumstances
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Enhanced death benefit if the life insured dies within the first 5 years of the policy
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Choose to take regular withdrawals or partial surrender at any time during the life of the policy
Our representative will call you back in 60 minutes4 to proceed with your request.
How to make a claim
Zurich require a claim form to be completed with supporting evidence, including the death certificate and any accompanying medical reports.
Death and critical illness claims can be submitted in writing or online.
Disclaimer
1The life insurance plans are provided and underwritten by Zurich International Life (Zurich). Product terms and conditions and exclusions apply.
2Maximum of 3 children only between the age of 1 and 18 are covered for children's critical Illness up to USD 10,000 per child.
3If your country of residence changes, you must tell us and Zurich as soon as possible, as this may impact what products and services will be available, or continue to be available, to you in accordance with applicable laws and regulations. HSBC Bank Middle East Limited in the U.A.E. is only a distributor of Zurich's insurance products and is not responsible for claims, processing or otherwise. 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.
4Our wealth management team is available from Sunday to Thursday, 9:00am to 4:30pm. If your form is submitted outside of these times, we will call you back on the next working day.
*Source: HSBC Global Report, The Power of Protection – Facing the Future, 2017
All Life Insurance plans are provided and underwritten by Zurich International Life. 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 & conditions applicable to these products will be of Zurich International Life 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.
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