Zurich International Life

Zurich International Life is an Isle of Man life company with a UAE branch registered with the Central Bank of the UAE. It sells term, whole of life and savings plans in the UAE through banks and financial advisers.

Go to zurich.ae How to claim

Zurich International Life life insurance

Term cover through International Term Assurance, whole of life cover through Futura, and a single-premium savings plan, the Wealth Accumulation Plan.

Life insurance plans

Plan	Type	What it is
International Term Assurance	Level term life	Entry age 18 to 74, terms of 5 to 35 years, cover ending by age 79. Life cover AED 350,000 to AED 70 million. Optional critical illness (34 conditions), disability and waiver of premium.¹
Futura	Unit-linked whole of life	Life cover from age 18 to 74. Regular premiums from USD 150 a month, or a single premium from USD 15,000. 50% of regular premiums in the first 24 months pay set-up charges.³
Wealth Accumulation Plan	Unit-linked single-premium savings, whole of life	From USD 30,000 or AED 110,000. Surrender charge of 5.75% in the first month after a premium, falling to zero over three years.⁴

Published prices

International Term Assurance minimum premium AED 105 a month or AED 1,050 a year.¹

Check before you buy

International Term Assurance does not pay for suicide in the first year, for a claim linked to non-disclosure, or for alcohol or drug misuse.¹
Critical illness claims in the first 90 days are not paid, and the critical illness premium may be reviewed every five years.¹

How to claim with Zurich International Life

Claims emailbenefit.claims@zurich.com

Steps

Tell Zurich as soon as possible at benefit.claims@zurich.com. Your financial adviser can help.¹

Zurich reports an average of 72 hours to pay a claim once all documents are received, for Middle East claims paid in 2021 to 2023.⁵
On a Futura death claim Zurich can pay an advance of USD 7,500 towards initial costs.³

Not happy with a claim? How to complain about a life insurer.

About Zurich International Life

Legal name: Zurich International Life Limited
Founded: Registered in the UAE on 7 June 1991²
Type: UAE branch of a foreign insurer²
Headquarters: Isle of Man. Authorised by the Isle of Man Financial Services Authority¹
Central Bank: Central Bank of the UAE registration number 63²

Contact Zurich International Life

Phone+971 4 363 4567
Emailhelppoint.uae@zurich.com

Sources

1Zurich International Life, published by Mashreq, International Term Assurance, Key Features Document. Last checked 12 Nov 2026. Source document: International Term Assurance, Key Features Document

2Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the UAE 2025. Table 35, Directory of insurance companies in the UAE. Last checked 12 Nov 2026. Source document: Annual Statistical Report for the Insurance Sector of the UAE 2025

3Zurich International Life, published by Commercial Bank International, Futura, Key Features Document. Last checked 12 Nov 2026. Source document: Futura, Key Features Document

4Zurich International Life, published by Commercial Bank International, Wealth Accumulation Plan, Key Features Document. Last checked 12 Nov 2026. Source document: Wealth Accumulation Plan, Key Features Document

5Zurich International Life, Customer Claims Paid Report 2024, Middle East Insights. Last checked 12 Nov 2026. Source document: Customer Claims Paid Report 2024, Middle East Insights

6Mashreq, Individual policy surrender process, provider contact details. Last checked 12 Nov 2026. Source document: Individual policy surrender process, provider contact details

Owner: Lifeinsurancequotes.ae research team
Last review: 12 Nov 2026
Next review due: 11 May 2027
Status: Published

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