International life insurance

Futura – Protect your family’s future.
For life


Futura is a life-time insurance policy that provides a range of covers as standard; Life cover, free terminal illness benefits and free aeroplane cover.

In addition, Futura offers a number of optional covers including Critical Illness benefit, Cancer cover, Permanent and Total Disability benefit, Family Income benefit, Fixed Term Income benefit, Accidental Death benefit, Dismemberment benefit, Hospitalisation benefit and Waiver of Premium benefit.

All new customers can benefit from a free medical second opinion service provided by Best Doctors.

 

Which type of life insurance is right for me?

What is life time cover?

Life time insurance or whole of life cover, as you’d expect is an insurance plan that lasts for a whole lifetime and is not limited by a specific term. If you pass away, this policy will provide a lump sum payment to your family that can be used for inheritance planning.

Paving the way for the next generation is part and parcel of our progress through life. As we get older, we wish for the success and prosperity of our children and grandchildren. It is important to plan for the future and ensure your family is taken care of.

How does it work?

When you take out a whole of life insurance plan, we’ll help determine the level of cover you need. It will depend on your circumstances and those dependent on you. You will then pay a set amount on a regular basis which funds your investment that in turn reduces your cost of insurance.

Term vs whole of life

There are two types of life insurance, term insurance covers you for a certain amount of time specified by you while whole of life insurance lasts until you die.

With term life insurance you are taking out a policy for a specific period of time, for example 10, 20 or 30 years, and this is known as the ‘term’. Benefits are paid only if you die during the term of the policy.

Whole of life insurance cover does not have a fixed term and so, covers you for life. If you pass away a lump sum payment will be paid to your family.

Flexibility

The decision to choose whole of life or term insurance cover, is a personal one. In making your decision, you should consider your need for insurance and how long you want your insurance cover to be in place. It’s a good idea to think first about your financial objectives.

Which type of life insurance is right for me?


You need to protect yourself or your family for life

  • You would like to leave a financial legacy
  • It means your loved ones are financially protected when you die
  • You may want to choose some additional benefit options to fit your protection needs
  • You can choose optional benefits for additional peace of mind
  • You would like the flexibility to change your policy in the future
  • You like a protection policy that builds up a cash value overtime

Making financial decisions about your life insurance and protection needs is important. Here is what Futura offers you:

  • You can tailor your plan to cover you, your spouse or your business partner now and in the future if things change
  • Our life cover, critical illness benefit and cancer-only cover are guaranteed to continue for the lifetime of your plan
  • Peace of mind with the free medical second opinion feature for all new Futura policies offered through Best Doctors
  • Confidence in the future with free children’s critical illness cover
  • A range of additional optional covers to suit your needs
  • Ability to increase your cover as a result of specific life events like wedding, child birth or a promotion without additional underwriting
  • Immediate advance payment of up to $ 7,500 in the event of death claims to help pay for funeral expenses

 

Life insurance extras and benefits


We offer a handful of optional extras and automatic benefits (which may depend on whether you have chosen life cover only, or life cover and critical illness.)

Free second medial opinion

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Comprehensive critical

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We pay customer benefits

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We have made it easier than ever to make the right decision on the cover you need. Use our calculator to determine how much cover you need.

This tool is designed to provide an estimate of the amount of life cover which you might need. This does not constitute financial advice. You should assess the level of cover appropriate with your specific circumstances with a financial professional.


You are in safe hands

You are in safe hands

Part of one the world largest insurers

We do the right things

We do the right thing

In 2018, we paid out 93% of all our death claims and 94% of all our critical illness claims

We are here for you.

We are here for you

We are there for you when you need us the most – watch one of our customers, tell her story