A quick comparison of our protection solutions
Compare our three protection solutions to understand the benefits and coverage offered by each option.
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Policy type |
Whole of life protection |
Level term protection - benefit amounts remain level for the policy term |
Decreasing term protection - benefit amounts reduce to zero over the policy term |
Prime purpose of policy |
Protection |
Protection |
Protection |
Investment linked |
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Term |
Whole of life |
5 - 35 years |
5 - 35 years |
Regular premium frequency |
Monthly, quarterly, half yearly or yearly |
Monthly or Yearly |
Monthly or Yearly |
Single premiums |
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Policy basis |
Single life, joint life first death, joint life both death or joint life last death |
Single life or joint life first death |
Single life or joint life first death |
Policy currency |
USD, GBP, EUR or AED |
USD, GBP, EUR or AED |
USD, GBP, EUR or AED |
Can benefits be changed after issue? |
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Medical second opinion service available? |
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Surrender value over time? |
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Compulsory benefits |
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Life cover |
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Terminal illness benefit |
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Aeroplane cover |
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Optional benefits |
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Critical illness benefit |
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Cancer cover |
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Permanent and total disability benefit |
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Waiver of premium benefit |
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Family income benefit |
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Accidental death benefit |
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Hospitalisation benefit |
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Dismemberment benefit |
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Policy type |
Whole of life protection |
Level term protection - benefit amounts remain level for the policy term |
Decreasing term protection - benefit amounts reduce to zero over the policy term |
Prime purpose of policy |
Protection |
Protection |
Protection |
Investment linked |
 |
 |
 |
Term |
Whole of life |
5 - 35 years |
5 - 35 years |
Regular premium frequency |
Monthly, quartely, half yearly or yearly |
Monthly or Yearly |
Monthly or Yearly |
Single premium |
 |
 |
 |
Policy basis |
Single life, joint life first death, joint life both death or joint life last death |
Single life or joint life first death |
Single life or joint life first death |
Policy currency |
USD, GBP, EUR or AED |
USD, GBP, EUR or AED |
USD, GBP, EUR or AED |
Can benefits be changed after issue? |
 |
 |
 |
Medical second opinion service available? |
 |
 |
 |
Surrender value over time? |
 |
 |
 |
Compulsory benefits |
Life cover |
 |
 |
 |
Terminal illness benefit |
 |
 |
 |
Aeroplane cover |
 |
 |
 |
Optional benefits |
Critical illness benefit |
 |
 |
 |
Cancer cover |
 |
 |
 |
Permanent and total disability benefit |
 |
 |
 |
Waiver of premium benefit |
 |
 |
 |
Family income benefit |
 |
 |
 |
Accidental death benefit |
 |
 |
 |
Hospitalisation benefit |
 |
 |
 |
Dismemberment benefit |
 |
 |
 |
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