Key features of the Global Life plan• World-wide area of cover excluding active war zones
• Insure up to 20 times your gross annual salary up to a maximum of £900,000 or $1,500,000 or €1,200,000 or AED 5,505,000
• Cover renewable every year until age 65, without any further medical underwriting required
• Benefit paid on death resulting from illness or accident, as a cash lump sum
• Cover available in Sterling, US Dollars, Euros and AED dirhams
• Available to employed and self-employed expats
• Optional Accident benefit
• Cover from less than $1 a day with minimum annual premiums of $320, €320, £200 and AED 1,175
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Quick Quote to see how cost-effective our Global Life insurance is for the valuable benefit it provides.
If you have any further questions, please contact our sales advisers, alternatively, the following frequently asked questions may help.
Who can apply for cover?
You can apply for cover if you are a working expatriate between the age of 18 and 64, in good health, and in a non-hazardous occupation. Once you have a Global Life plan, you can continue to renew it until you reach age 65.
How much life cover can I buy?
Global Life lets you choose the cash lump sum your family would need to protect their financial future without you. This could be any amount of up to 20 times your current annual salary, subject to a maximum of £900,000 or $1,500,000 or €1,200,000 or AED 5,505,000. Many people choose a sum relevant to any large debts they may have, like a mortgage.
What if I receive part of my salary as commission?
We will take into account 50% of your commission earnings over the previous 12 months when we assess your pre-disability earnings.
To whom is the benefit paid in the event of my death?
When you apply for cover, we will ask you to complete a form nominating the person or persons to whom you wish the proceeds of your plan to be paid.
The beneficiary/ies you have nominated will receive a cash lump sum on your death once the claim has been substantiated.
Am I covered for recreational sports?
There is no exclusion for recreational sports like ski-ing, bungee jumping and scuba diving.
Am I covered for terrorist attacks?
You are covered for terrorist attacks provided that you were an innocent bystander.
Find out about the Key Facts and exclusions of the Global Life plan.
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