--- title: Zurich Futura insurance With Enhanced Living Benefits description: Zurich International Life (ZIL) has recently launched an updated and enhanced version of Zurich Futura life insurance, in UAE, Bahrain and Qatar image: https://www.financialplanningindubai.com/hubfs/Imported_Blog_Media/Enhanced-Critical-Illness-Cover-on-Zurich-Futura-300x286-1.png --- [![Financial_Planning_in_Dubai_logo](https://www.financialplanningindubai.com/hs-fs/hubfs/Financial%20Planning%20in%20Dubai%20Logo_9090-2.png?width=90&height=90&name=Financial%20Planning%20in%20Dubai%20Logo_9090-2.png "Financial_Planning_in_Dubai_logo")](https://www.financialplanningindubai.com/?hsLang=en-gb) - [Home](https://financialplanningindubai.com/) - [Blog](https://www.financialplanningindubai.com/blog) - [Services](https://www.financialplanningindubai.com/services) - [Islamic Investments & Takaful Plans](https://www.financialplanningindubai.com/blog/salama-hyat-plus-takaful-plan) - [Medical Insurance](https://www.financialplanningindubai.com/blog/topic/medical-insurance) - [Free Resources](https://www.financialplanningindubai.com/free-finanical-tools) - Tools - Calculators - [S&P 500 Investment Calculator](https://financialplanningindubai.com/sp-500-investment-calculator/) - [Life Insurance Calculator](https://www.financialplanningindubai.com/life-insurance-calculator) - [SIP Calculator](https://financialplanningindubai.com/sip-calculator/) - [Lumpsum investment calculator](https://www.financialplanningindubai.com/lump-sum-investment-calculator) - [Inflation Calculator](https://www.financialplanningindubai.com/inflation-calculator-uae) - [Net-Worth Calculator](https://www.financialplanningindubai.com/blog/free-personal-balance-sheet-template-networth-statement) - [The Best Budget Planner for Expats](https://www.financialplanningindubai.com/expat-budget-planner) [Book A Discovery Call](https://www.financialplanningindubai.com/meetings/damodhar?hsLang=en-gb) # Zurich Futura insurance With Enhanced Living Benefits ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) 15 Jul 2014, 16:07:25 ###### [Life Insurance,](https://www.financialplanningindubai.com/blog/topic/life-insurance) [Zurich Futura](https://www.financialplanningindubai.com/blog/topic/zurich-futura) Zurich International Life (ZIL) has recently launched an updated and enhanced version of [Zurich Futura](https://www.financialplanningindubai.com/blog/zurich-futura-review?hsLang=en-gb), their Whole of life insurance plan with attractive living benefits in UAE, Bahrain, and Qatar. ## **What is new with Zurich Futura insurance?** - The waiver of premium benefit is now available for either or both lives on joint life policies. Earlier, it was available only on Life 1, even though both lives insured were employed. - Maximum cover is extended from age 65 to age 70. For waiver of premium benefits, permanent and total disability benefit, accidental death benefits, dismemberment benefits, and hospitalization benefit. - The Terminal illness cover was earlier a part of the critical illness benefit, but now it has been added to the life cover with a maximum of USD 1 Million. - The critical illness benefit is enhanced with the addition of 16 new conditions to the existing 20, taking the total number of conditions covered to 36, including a new children’s critical illness. - The qualifying period for critical illness benefit has been reduced to 90 days from 180 days. - The deferment period for permanent and total disability benefit claims (the period a life insured must be disabled before a claim can be admitted) has been reduced from 12 months to 180 days. - The hospitalization benefit maximum has been increased to USD 4,000 each week from USD 2,800 - The minimum age for lives insured has been increased from 17 to 18. - Long-term care benefit is no longer available. - Zurich has also added a new joint life last death option for the benefit of individuals who want to delay the payment of Death and estate taxes. ## What about existing Futura customers? Existing Futura customers are not affected by the changes and their policies will continue to operate in line with the terms and conditions provided at the time of policy issue. [To know more, please read Zurich Futura - An Overview](https://www.financialplanningindubai.com/blog/zurich-futura-review?hsLang=en-gb) [Click here to arrange a Free Consultation. ](https://www.financialplanningindubai.com/meetings/damodhar?hsLang=en-gb) ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) Author, Blogger & Independent Financial Advisor. My goal is to give you actionable tools for creating passive income and building wealth. More than 10,000 expats have already used my ideas to jumpstart their journey towards financial independence. Connect with me to start yours... Share this article on [mailto:?subject=Check%20out%20Zurich%20Futura%20insurance%20With%20Enhanced%20Living%20Benefits%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/2014/07/15/zurich-futura](mailto:?subject=Check%20out%20Zurich%20Futura%20insurance%20With%20Enhanced%20Living%20Benefits%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/2014/07/15/zurich-futura) ##### Read more - [The Real C-Suite – The Only Title That Matters 🏆](https://www.financialplanningindubai.com/blog/breadwinner?hsLang=en-gb) - [The Wealth Secret 99% of Investors Ignore – Will You?](https://www.financialplanningindubai.com/blog/the-iceberg-of-investing?hsLang=en-gb) - [From Risk to Reward? The Shifting Case for China Investing](https://www.financialplanningindubai.com/blog/from-risk-to-reward-the-shifting-case-for-china-investing?hsLang=en-gb) ## Further Reading [![How to improve Zurich Futura Fund Performance?](https://www.financialplanningindubai.com/hs-fs/hubfs/Imported_Blog_Media/Zurich-Futura-Fund-Performance-1.png?width=300&name=Zurich-Futura-Fund-Performance-1.png)](https://www.financialplanningindubai.com/blog/2017/03/18/zurich-futura-fund-performance?hsLang=en-gb) ###### [life insurance,](https://www.financialplanningindubai.com/blog/topic/life-insurance-2)[Zurich Futura](https://www.financialplanningindubai.com/blog/topic/zurich-futura) ##### [How to improve Zurich Futura Fund Performance?](https://www.financialplanningindubai.com/blog/2017/03/18/zurich-futura-fund-performance?hsLang=en-gb) Are you looking to get the most out of your Zurich Futura plan? [Read More](https://www.financialplanningindubai.com/blog/2017/03/18/zurich-futura-fund-performance?hsLang=en-gb) [![5 Critical Insights from Zurich Life Insurance claims report 2023](https://www.financialplanningindubai.com/hs-fs/hubfs/5%20Critical%20Insights%20from%20Zurichs%202023%20Life%20Insurance%20Claims%20Report%20(350%20%C3%97%20250%20px)-2.png?width=300&name=5%20Critical%20Insights%20from%20Zurichs%202023%20Life%20Insurance%20Claims%20Report%20(350%20%C3%97%20250%20px)-2.png)](https://www.financialplanningindubai.com/blog/zurich-life-insurance-claims-report-2023?hsLang=en-gb) ###### [Insurance claims in dubai,](https://www.financialplanningindubai.com/blog/topic/insurance-claims-in-dubai)[Zurich Claims statistics](https://www.financialplanningindubai.com/blog/topic/zurich-claims-statistics) ##### [5 Critical Insights from Zurich Life Insurance claims report 2023](https://www.financialplanningindubai.com/blog/zurich-life-insurance-claims-report-2023?hsLang=en-gb) Knowing how efficient a life Insurance company is when it come to paying claims, is crucial... [Read More](https://www.financialplanningindubai.com/blog/zurich-life-insurance-claims-report-2023?hsLang=en-gb) [![Top 7 Reasons Why I Use Zurich Futura Whole Life Insurance?](https://www.financialplanningindubai.com/hs-fs/hubfs/Imported_Blog_Media/000a-1.jpg?width=300&name=000a-1.jpg)](https://www.financialplanningindubai.com/blog/2015/02/03/why-use-zurich-futura-life-insurance?hsLang=en-gb) ###### [Life Insurance,](https://www.financialplanningindubai.com/blog/topic/life-insurance)[zurich futura review](https://www.financialplanningindubai.com/blog/topic/zurich-futura-review) ##### [Top 7 Reasons Why I Use Zurich Futura Whole Life Insurance?](https://www.financialplanningindubai.com/blog/2015/02/03/why-use-zurich-futura-life-insurance?hsLang=en-gb) **Zurich Futura: A Premier Whole Life Insurance in the UAE** [Read More](https://www.financialplanningindubai.com/blog/2015/02/03/why-use-zurich-futura-life-insurance?hsLang=en-gb) *Damodhar Mata | Your Trusted Financial Advisor in Dubai* ![Damodhar Mata-7-2](https://www.financialplanningindubai.com/hs-fs/hubfs/Damodhar%20Mata-7-2.png?width=119&height=119&name=Damodhar%20Mata-7-2.png) *I can help you grow wealth, gain passive income, and achieve your goals faster and with ease. * **Top Pages** - [Home page](https://www.financialplanningindubai.com) - [Best Life Insurance](https://www.financialplanningindubai.com/best-life-insurance-dubai) - [Best Investment Plan](https://www.financialplanningindubai.com/blog/how-to-invest-in-uae) - [Retirement Planning in the UAE](https://www.financialplanningindubai.com/retirement-planning-in-uae) - [FIRE Early Retirement Guide](https://www.financialplanningindubai.com/blog/early-retirement-in-uae-fire-guide) - [Best Child Education Plan](https://www.financialplanningindubai.com/childrens-education-planning) **Top Blog Posts** - [Financial Planner or Financial Advisor?](https://www.financialplanningindubai.com/blog/financial-planner-or-financial-advisor) - [How to find the Best Financial Advisor](https://www.financialplanningindubai.com/blog/best-financial-advisor-uae) - [Win With Money Challenge](https://www.financialplanningindubai.com/blog/30-days-win-with-money-challenge) - [FIRE guide for expats](https://www.financialplanningindubai.com/blog/early-retirement-in-uae-fire-guide) - [Pay Yourself First](https://www.financialplanningindubai.com/blog/how-expats-in-uae-can-grow-wealth-using-pay-yourself-first-strategy) - [Google Reviews](https://www.financialplanningindubai.com/testimonials-financial-advisor-in-dubai) **Other pages** - [About us](https://www.financialplanningindubai.com/about-us) - [Testimonials](https://www.financialplanningindubai.com/testimonials-financial-advisor-in-dubai) - [Services](https://www.financialplanningindubai.com/services) - [Contact us](https://www.financialplanningindubai.com/contact-us) --- © 2024 Financial Planning in Dubai. 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