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 |
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| 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 |
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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 |
| Life cover |
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| Terminal illness benefit |
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| Aeroplane cover |
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| Optional benefits |
| 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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