Futura

If you pass away while your policy is active, your family will receive a lump sum. You can add living benefits like critical illness, disability, or dismemberment cover to secure yourself financially. If something happens, you’ll receive a lump sum to help cover your expenses without using up your savings, so you can focus on your wellbeing and recovery.

Your premiums will be invested in funds of your choice, and the value of the funds will be used to cover the cost of your insurance benefits.

Futura gives you the flexibility to personalise your plan with a wide range of protection benefits. You can choose your investment funds, coverage length, premium payment options, update beneficiaries, and more. Tailor your plan to fit your needs from the start and adjust it as your life changes over time.

What’s covered

Protection if you pass away
We’ll pay out a lump sum to your loved ones if you pass away during the policy term.

Protection if you become seriously ill or disabled
Futura offers optional covers, such as critical illness and disability cover, which pay out if you’re diagnosed with conditions like cancer, heart attack, or stroke, or if you become disabled.

Cover for your lifetime or less
Set up your policy to be covered for the whole of your life or a specific time frame depending on your needs.

Premium payment flexibility
Choose to pay premiums over a fixed term of 7 to 50 years, make a single premium payment, or spread your payments across your entire policy term. Choose the option that best fits your needs.

Choose which funds to invest in
Invest your premiums in a range of funds. The value of these funds will be used to cover the cost of your insurance benefits.

For a full understanding of the products, please refer to the policy terms and conditions.

When you’re not covered

You aren't fully honest with us
We’ll ask about your health and lifestyle to calculate your insurance premium. It's important to provide honest and accurate information, as incorrect or incomplete details may affect whether a claim can be paid.

Self-inflicted injuries and suicide
Self-harm causing injury or death is not covered in the first year of the policy.

Your policy value isn’t enough
Your premiums are invested in funds, and your cover continues as long as your policy value supports the insurance costs. If your policy value drops, or if you stop payments or make withdrawals, your cover may end sooner than planned. You can keep track of your policy value via your Zurich Online account or reach out to your advisor for assistance.

Which one is it for me?

Here is a quick comparison of our life insurance solutions – take a look, this will help you make the right decision with your financial advisor.

Criterion	Futura	Term Assurance	Critical Illness Protection
Type (life or term)	Whole of life, unit linked life insurance with investment component.	Term life insurance (pure protection).	Term critical illness insurance (pays on serious illness, not on death unless combined).
Key features	Lifetime cover, unit‑linked savings/investment, flexible premiums and benefits, life cover plus multiple optional riders (critical illness, PTD, waiver, accidental death, dismemberment, family income, hospitalisation).	Lump‑sum payout on death during term, optional critical illness, PTD, waiver of premium; flexible policy term up to around 35 years (per UAE comparison data).	Lump‑sum payout if diagnosed with a covered serious illness; choice of cover term; comprehensive CI list (around 34+ illnesses such as cancer, heart attack, organ failure).
Who it is best for	People wanting long‑term/lifetime family protection plus savings or wealth‑planning in one policy; suitable if you want flexibility to add/remove riders over time and can commit to higher, longer‑term premiums.	People needing high life cover for a fixed period at lower cost (e.g., income replacement, mortgage protection, kids’ education) without an investment element.	People mainly worried about serious illness costs and income disruption, who may already have life cover elsewhere or want to add CI to existing plans.
Policy term	Designed for lifetime cover; you select a benefit term and funding period but protection can effectively run for your whole life if adequately funded.	Fixed term (e.g., 5–35 years, with UAE comparison sources quoting up to 35 years).	Fixed term, typically 5–35 years depending on options chosen.
Life cover	Core benefit: lump‑sum on death of the life insured; also pays on terminal illness (diagnosed with <12 months to live, subject to timing rules).	Core benefit: lump‑sum on death during policy term; many variants also pay on terminal illness.	Not primary; main benefit is CI payout. Any life cover would be via another Zurich life/term policy or rider, not this standalone plan alone.
Critical illness cover available?	Lifetime cover, unit‑linked savings/investment, flexible premiums and benefits, life cover plus multiple optional riders (critical illness, PTD, waiver, accidental death, dismemberment, family income, hospitalisation).	Lump‑sum payout on death during term, optional critical illness, PTD, waiver of premium; flexible policy term up to around 35 years (per UAE comparison data).	Lump‑sum payout if diagnosed with a covered serious illness; choice of cover term; comprehensive CI list (around 34+ illnesses such as cancer, heart attack, organ failure).
Other common riders / benefits	Permanent and total disability, cancer cover, waiver of premium, accidental death, dismemberment, family income benefit, hospitalisation benefit, children’s critical illness; funeral/early claim advances often available.	Riders often include critical illness, total permanent disability, waiver of premium; some documents mention other optional benefits depending on distribution.	Options include different CI levels (e.g., “comprehensive” vs more limited), child CI/cancer and funeral cover for children; may be combined with life policies for broader protection.
Premium structure	Flexible premiums (you choose level and can adjust), linked to investment funds; need sufficient funding to keep cover in force; minimum monthly premiums apply (e.g., around USD 150 in some versions).	Typically level (or chosen structure) for the selected term; generally cheaper per unit of cover than Futura because there is no investment component.	Premiums depend on age, term, and sum assured; generally focused on CI risk only, so often used as an add‑on to term or whole‑life cover.
Flexibility	High: you can add/remove optional benefits, increase/decrease cover, and adjust premiums (subject to product rules and adequacy of fund values).	Moderate: you can choose term and cover amount; some flexibility to add riders at inception or on review, but overall it is a straightforward term contract.	Moderate: you choose term and level of CI cover; primarily flexible in benefit amount and length of cover rather than multiple riders.

Tailor your plan to suit your needs

Pay monthly or yearly, whatever suits you

Insure your partner at the same time

Get a Medical Second Opinion at no extra cost.

Choose your currency

How much cover do you need?

Find a fund that’s right for you

FAQs

1. Is Futura portable if I relocate outside of the UAE, Bahrain, or Qatar?

Yes, your worldwide coverage continues if you have paid your premiums (Subject to local laws). Simply notify us of your new address to maintain your policy benefits.

2. How does the cost of whole of life Futura compare to term insurance?

Term insurance is comparatively cheaper because it is a pure protection policy. Futura is designed to build cash value with lifetime protection. Term insurance also has much less flexibility.

3. What is the minimum premium required for Futura in the UAE?

Futura premium starts at around AED 5,000/year (age/health dependent) for regular premiums.

4. Does Futura cover pre-existing conditions?

We assess each application on a case-by-case basis. We urge you to disclose all your conditions fully during the medical examination to avoid claim issues. Many pre-existing conditions can be covered.

5. Can I add critical illness to Futura?

Yes, you can. You can add living benefits like critical illness, disability, or dismemberment cover to secure yourself financially. Futura Critical illness covers 35+ illnesses, and it also includes permanent total disability and waiver of premium in the event of permanent disability.

6. What about Futura investment returns in the UAE?

Your premiums will be invested in funds of your choice, and the value of the funds will be used to cover the cost of your insurance benefits. The past performance indicates 3-8% annually, however this is not guaranteed.

7. Is the payout from Futura in Dubai tax-free?

Yes, there is no UAE inheritance tax on life insurance benefits.

8. How can I buy Futura in Dubai/Abu Dhabi?

Speak to one of our dedicated Zurich advisers. For more information please click here or contact us on ZurichAdvisoryNetwork@zurich.com or at 800 ZURICH Monday to Friday, 8am to 5pm.

9. Can I change my coverage or premium amount after buying Futura?

Yes, Futura offers flexibility. You can increase or decrease your coverage or adjust your premium payments, subject to policy terms and underwriting guidelines. This helps ensure your policy stays aligned with your evolving needs.

10. What happens if I miss a premium payment?

If you miss a payment, your policy may stay active for a limited time. However, it’s best to contact us promptly to avoid any interruption in your coverage. However, if premiums are unpaid for more than 90 days, the policy will lapse as there is no policy value to provide ongoing cover.

Compare your options

Use this quick overview to see how Futura, Term Assurance and Critical Illness Protection differ on the key points that matter most.

Criterion	Futura	Term Assurance	Critical Illness Protection
Best for	Lifetime + investment	Mortgage, kids education	Serious illness costs
Term length	Lifetime	5-35 years.	5-35 years
Monthly cost	AED 400+	AED 100+	AED 100+
CI rider	Optional	Optional	Core benefit