--- title: 4 Key Changes To Zurich Futura Life  Insurance description: Zurich Futura now provides comprehensive protection for the whole family. If you don't have life insurance yet, you have 4 more reasons to buy one now. image: https://www.financialplanningindubai.com/hubfs/Stock%20images/Human%20hand%20drawing%20caricature%20of%20man%20climbing%20ladder.jpeg --- [![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) # 4 Key Changes To Zurich Futura Life  Insurance ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) 19 Sept 2019, 14:05:43 ###### [Zurich Futura,](https://www.financialplanningindubai.com/blog/topic/zurich-futura) [life insurnace](https://www.financialplanningindubai.com/blog/topic/life-insurnace) Many would argue that [Zurich Futura](https://www.financialplanningindubai.com/blog/zurich-futura-review?hsLang=en-gb) is the best Whole of Life Insurance in UAE, and they may be right as well.  > #### *“No matter how good you get, you can always get better, and that’s the exciting part.”*― Tiger Woods [Zurich](https://www.financialplanningindubai.com/blog/2017/05/15/zurich-insurance-dubai?hsLang=en-gb) International has gained its reputation as one of the UAE's leading insurers because they listen to feedback from both clients & distributors and make improvements. Here again, they have made 4 Key improvements to their Flagship Insurance plan - Futura - International Whole of Life Insurance. ## **Zurich Futura - Key Changes ** ### Fixed Term Income Benefit A new and useful rider to the existing range. It is designed to replace the insured's income. The Fixed Term Income Benefit pays a series of regular payments on the death of the life insured for a selected period.  **![Zurich Futura - Fixed Term Income Benefit ](https://www.financialplanningindubai.com/hs-fs/hubfs/Stock%20images/Concept%20of%20time%20is%20money%20Eisenhower%20dollar%20coins%20on%20face%20of%20analog%20clock-1.jpeg?width=700&name=Concept%20of%20time%20is%20money%20Eisenhower%20dollar%20coins%20on%20face%20of%20analog%20clock-1.jpeg)** For Eg: If John (35 years old, Indian, Non-Smoker) had bought a Futura with Fixed Income Term Benefit, on death, it would pay regular income for 25 years from the time of claim. (Age on Claim + 25 Years) #### Features of Fixed Term Income Benefit - It aims to replace the loss of income  - Income term ranges between 10 - 40 years, till age 70 - Income amount starts from $12,000/year This benefit is ideal for young couples and parents, as the regular income helps the family manage the living expenses with a steady and dependable income from the policy. ### Maximum Age at Entry for Benefits increased to 64 ![Zurich Futura - Maximum Age at Entry for Benefits increased to 64](https://www.financialplanningindubai.com/hs-fs/hubfs/Stock%20images/Portrait%20of%20a%20cheerful%20senior%20man%20with%20clenched%20fists%20over%20white%20background.jpeg?width=700&name=Portrait%20of%20a%20cheerful%20senior%20man%20with%20clenched%20fists%20over%20white%20background.jpeg) Zurich International has raised the bar again by increasing the age at entry for some riders to 64. Given the increasing life expectancy, people are living longer but not necessarily healthier lives. Despite the late realization of the need for benefits like critical illness and Disability, many residents can now avail the following benefits; - [Critical illness cover](https://www.financialplanningindubai.com/blog/the-story-of-critical-illness-insurance?hsLang=en-gb) - Cancer Cover - Hospitalization Benefit - Dismemberment - Permanent and Total Disability - Accidental Death Benefit ### Indexation of Benefits ![Zurich Futura - Indexation of Benefits](https://www.financialplanningindubai.com/hs-fs/hubfs/Stock%20images/boxes%20stacked%20up%20solated%20over%20a%20white%20background.jpeg?width=700&name=boxes%20stacked%20up%20solated%20over%20a%20white%20background.jpeg) The Indexation is a game-changer, particularly for young residents.  When this rider is selected, all benefits, including the life cover, automatically increase by 5.00% every year until age 70 (for joint policies, this is the oldest life Insured).   This increase of benefits helps the insured to start small and keep up with inflation. The premium also increases annually by 5.00%, along with the benefits. There are no additional medical tests or underwriting for the increase in benefits; hence, the insured need not worry about future insurability. This benefit was available on Futura policies a few years back; it has been relaunched with an important update. The Indexation benefit now is also available for policies with vanishing premium(Premium payment over a limited number of years For Eg: 10 years, 15 years, etc...). Earlier, this benefit was only available for Whole of Life Premium payment policies. As discussed earlier, this rider is handy for residents looking to start small due to budget constraints and increase the cover annually. ### Single Life to Joint Life ![Screen Shot 2019-09-19 at 2.03.10 PM](https://www.financialplanningindubai.com/hs-fs/hubfs/Screen%20Shot%202019-09-19%20at%202.03.10%20PM.png?width=300&name=Screen%20Shot%202019-09-19%20at%202.03.10%20PM.png) Thanks to the latest change, the insured's spouse can be included in the same policy.  Many residents only buy life and critical illness cover for the primary breadwinner, hoping to buy for their partner later, when the budget allows.  Previously a separate policy had to be purchased for the spouse, but now they can be included in the same policy. This helps to reduce premiums to a certain extent, and it is easy to manage one policy instead of two. Also, policy owners can change the insurance basis to Joint Life first death or Joint life both death. ### Summary  To summarize, Futura has the following four additions to its arsenal; 1. Fixed Income Term Benefit 2. Maximum Age at Entry for Riders increased to 64 3. Indexation of benefits 4. Single Life to Joint Life. Hence Futura now provides comprehensive protection for the whole family. If you don't have life and or critical illness cover yet, you have four more reasons to buy one now. [Click here to arrange 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%204%20Key%20Changes%20To%20Zurich%20Futura%20Life%20Insurance%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/4-key-changes-to-zurich-futura-life-insurance](mailto:?subject=Check%20out%204%20Key%20Changes%20To%20Zurich%20Futura%20Life%20Insurance%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/4-key-changes-to-zurich-futura-life-insurance) ##### 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 [![The story of Critical Illness Insurance and Have-nots!](https://www.financialplanningindubai.com/hs-fs/hubfs/Critical%20Illness%20Insurance%20in%20UAE%20%281%29.jpeg?width=300&name=Critical%20Illness%20Insurance%20in%20UAE%20%281%29.jpeg)](https://www.financialplanningindubai.com/blog/the-story-of-critical-illness-insurance?hsLang=en-gb) ###### [critical illness insurnace](https://www.financialplanningindubai.com/blog/topic/critical-illness-insurnace) ##### [The story of Critical Illness Insurance and Have-nots!](https://www.financialplanningindubai.com/blog/the-story-of-critical-illness-insurance?hsLang=en-gb) The Story of Critical Illness Insurance. Critical illness insurance was invented by [Marius...](https://en.wikipedia.org/wiki/Marius_Barnard_(surgeon)) [Read More](https://www.financialplanningindubai.com/blog/the-story-of-critical-illness-insurance?hsLang=en-gb) [![Money for Life - Workshop on Lifetime Cashflow Planning](https://www.financialplanningindubai.com/hs-fs/hubfs/Money%20For%20Life%20.jpg?width=300&name=Money%20For%20Life%20.jpg)](https://www.financialplanningindubai.com/blog/money-life-workshop-lifetime-cashflow-planning?hsLang=en-gb) ###### [Financial Planning,](https://www.financialplanningindubai.com/blog/topic/financial-planning)[Investments,](https://www.financialplanningindubai.com/blog/topic/investments)[seminar](https://www.financialplanningindubai.com/blog/topic/seminar) ##### [Money for Life - Workshop on Lifetime Cashflow Planning](https://www.financialplanningindubai.com/blog/money-life-workshop-lifetime-cashflow-planning?hsLang=en-gb) ## Knowing how much you can spend today, and the effect it can have on your future wealth can be... [Read More](https://www.financialplanningindubai.com/blog/money-life-workshop-lifetime-cashflow-planning?hsLang=en-gb) [![Is your Life Insurance Policy Still Relevant? - FPiD](https://www.financialplanningindubai.com/hs-fs/hubfs/30%20Days%20-%20Life%20Insurance%20Relevant%20%28740%20%C3%97%20400%20px%29-2.png?width=300&name=30%20Days%20-%20Life%20Insurance%20Relevant%20%28740%20%C3%97%20400%20px%29-2.png)](https://www.financialplanningindubai.com/blog/life-insurance-relevant?hsLang=en-gb) ###### [Life Insurance,](https://www.financialplanningindubai.com/blog/topic/life-insurance)[Investments,](https://www.financialplanningindubai.com/blog/topic/investments)[30 Days Challenge](https://www.financialplanningindubai.com/blog/topic/30-days-challenge) ##### [Is your Life Insurance Policy Still Relevant? - FPiD](https://www.financialplanningindubai.com/blog/life-insurance-relevant?hsLang=en-gb) I was on the phone with a client yesterday, and they introduced me to their colleague who had the... 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