International Protector Middle East
Our award-winning protection product for the Middle East.
International Protector Middle East is a tailored protection solution offering your clients peace of mind should the worse happen.
Your client can choose from three different cover options: stand-alone life cover; stand-alone critical illness cover; life cover or earlier critical illness cover.
They also have the choice of level or decreasing cover, depending on their circumstances.
Between 1 October and 1 December 2019, you will be rewarded with a free subscription to the ENTERTAINERTM if you take out an IPME policy and meet the qualifying criteria for this special offer.
Please refer to the terms and conditions by clicking here to find out more.
|Product features||Investor benefits|
|Life cover.||Financial support and peace of mind that your client’s loved ones could survive financially.|
|Critical illness cover (CIC).||Pays out if your client is diagnosed with one of our defined critical illnesses. So they can concentrate on recovering, rather than worrying about their finances.|
|Life or earlier (CIC).||Pays out on death or if your client is diagnosed with one of our defined Critical Illnesses - whichever happens first. Offering financial protection for both scenarios.|
|Terminal illness benefit.||Pays if diagnosed with a Terminal Illness. Included at no extra cost, for Life Cover policies with terms of 3 or more years and all Life or Earlier CIC policies. Your client can spend quality time with their family, with the help of financial support.|
|Total and permanent disability benefit (TPD).
||An optional addition to Life Cover, paying out if your client is diagnosed with a TPD. They would receive financial support, if they are totally and permanently disabled.|
|Guaranteed premiums.||Premiums will remain the same for Life Cover and Life Cover with TPD. CIC premiums are guaranteed for the first 5 years. Meaning your client can budget effectively as their life cover premiums will never increase.|
|Multi-currency.||Premiums and cover available in USD, GBP, AED and EUR. Your client can choose a currency which suits and this will remain throughout the plan.|
|Single and joint life.||Single or joint life basis available. Offering financial security that your client’s spouse is covered, should they choose joint life.|
|Cover available for any term.||Cover is available for any number of years, providing your client is under age 80 at the end or age 70 for Critical Illness Cover. Cover can be tailored. So, if a mortgage is for 25 years, Life Cover could have a 25 year term.|
|Monthly or annual premiums.||Premiums can be paid either monthly or annually. Your client can decide which frequency better suits them.|
|Level or decreasing term.||Both types of cover offer a lump sum payment on death. Decreasing Term provides a lump-sum at the time of claim that aims to sufficiently cover the outstanding liability on a repayment loan – ideal protection against a mortgage. You can choose cover to suit your client’s individual circumstances.|
|Portability.||It's portable, which means your client can take it with them if they ever decide to move.|