--- title: MetLife Investor Advantage | Review | Financial Planning in Dubai description: MetLife Investor Advantage is a Short Term Savings Plan for Long Term Growth, providing direct access to Managed & Index funds from leading fund houses. image: https://www.financialplanningindubai.com/hubfs/Stock%20images/House%20standing%20out%20of%20crowd%20isolates%20over%20a%20white%20background.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) # MetLife Investor Advantage | Review | Financial Planning in Dubai ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) 5 Apr 2018, 16:01:07 ###### [Investments,](https://www.financialplanningindubai.com/blog/topic/investments) [Mutual Fund Investment](https://www.financialplanningindubai.com/blog/topic/mutual-fund-investment) MetLife in UAE has launched Investor Advantage - a unique Investment Plan. It offers both Lump-sum or Regular Premium Investment options. It is the only savings plan in UAE with the premium payment term as low as one year... ![MetLife Investor Advantage](https://www.financialplanningindubai.com/hs-fs/hubfs/House%20standing%20out%20of%20crowd%20isolates%20over%20a%20white%20background%20(1).jpeg?width=712&name=House%20standing%20out%20of%20crowd%20isolates%20over%20a%20white%20background%20(1).jpeg) The Investor Advantage Plan aims to help expats save and invest during the current times of uncertainty, where they are not sure if they can continue investing for the long term. The following are the highlights of the features and benefits of the plan, followed by my summary and review. ### Premium Options This plan has the following five premium payment options; 1. Lump-sum Investment (Minimum Investment $30,000) 2. 12 months - Regular Investment (Minimum Investment $2,500/month) In addition to the above premium payment options, it is also possible to invest additional lump sum premiums at any point (Minimum Investment $250) The wide choice of premium options helps investors with different investment needs and cash flow situation to invest on their own terms. For Eg: You can invest in this plan by paying only 12 months premiums with a maturity term of 5 years only... Which means you can pay 12 monthly premiums only and average his unit buying cost over a period of 12 months. ### Investment Options MetLife offers more than 180 direct funds for investing within this plan, which include; 1. Low-cost Index funds from iShares one of world's largest ETF companies 2. Equity Funds from leading fund houses like Fidelity, Franklin Templeton, Schroders, Invesco, Kotak, Blackrock and others 3. Bond Funds from leading fund houses 4. Money Market funds 5. Commodity Funds This wide range of investment funds helps you create a robust portfolio of low-cost index funds & Mutual Funds depending on your investment goals and horizon. ### Plan Features | **Contribution period** | 12, 24, 36 or 48 months | | --- | --- | | **Payment Modes** | Single/Annual/Monthly | | **Currency** | USD, GBP, EUR | | **Maturity** | Age 95 | | **Death Benefit** | 101% of the account value | | **Payout Option** | Lumpsum or annuity | | **Partial Withdrawals** | Four free partial withdrawals per year subject to maximum withdrawal limits | | **Fund Switching** | Unlimited and free  | ### The Insurance Advantage Investor Advantage has built-in life insurance. In the event of the policy holder’s death, 101% of the account value will go directly to the beneficiary. It helps avoid unnecessary inheritance challenges and implication of Sharia Law. ###  Charges #### Premium Charge The charges of this plan are based on the planned premium or the first year premium. ![MetLife_future_protect_premium_charge](https://www.financialplanningindubai.com/hs-fs/hubfs/Screenshot%202024-02-09%20at%208.36.25%20PM.png?width=1086&height=1280&name=Screenshot%202024-02-09%20at%208.36.25%20PM.png)The following table shows you the charges payable each year for an investment of $30,000 for different premium payment terms; ![MetLife_future_protect_premium _charge_in_USD](https://www.financialplanningindubai.com/hs-fs/hubfs/Screenshot%202024-02-09%20at%208.36.43%20PM.png?width=1086&height=1306&name=Screenshot%202024-02-09%20at%208.36.43%20PM.png) The charges are based on the contract term (between 5 - 8 years for different premium options). There are no premium charges after the contract period. Also, there are no surrender charges after the contract period. #### Management and Expense Charge (M&E) ![Table Showing the MetLife Future Protect M&E Charges](https://www.financialplanningindubai.com/hs-fs/hubfs/Screenshot%202024-02-09%20at%208.36.53%20PM.png?width=1088&height=576&name=Screenshot%202024-02-09%20at%208.36.53%20PM.png) While the premium charge is taken only during the contract term, the M&E charge continues throughout the period the investment is held with MetLife. ### Early Surrender Given the short term contract of the Investor Advantage(5 to 8 years) surrenders are better avoided. In the event of early surrender, the charges for early withdrawal are a lot. However, partial withdrawal is free four times a year.  ### Summary & Review - Given the lower minimum investment threshold, shorter contract terms and lower charges in comparison to other regular investment plans; the MetLife Investor Advantage Plan is the right choice for investing your savings. - You can remain invested in the plan as long as you want, even after the contract term by only paying the M&E charges, which makes the equation more attractive. - The 1, 2 and three-year premium payment options would be useful for expats looking at maximizing the investment opportunity in the short term. - All in all, this is a fresh & new approach among offshore investment plans, providing access to some of the best investment funds from leading fund houses around with world. ### Free Unbiased Consultation ![Damodhar Round Home (1)-2](https://www.financialplanningindubai.com/hs-fs/hubfs/Damodhar%20Round%20Home%20(1)-2.png?width=154&name=Damodhar%20Round%20Home%20(1)-2.png)As an Independent Financial Advisor, I can help you set up a [Holistic Financial Plan](https://www.financialplanningindubai.com/blog/holistic-financial-planning?hsLang=en-gb) and choose the most suitable investment/protection plans available in UAE. My professional qualifications include certifications in Financial Planning, Investments and Insurance from CII - [The Chartered Insurance Institute](http://www.cii.co.uk/about/about-the-cii/) - UK - the premier professional organization in the insurance and financial services industry. You can view the testimonials of my clients [here](https://www.financialplanningindubai.com/testimonials?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%20MetLife%20Investor%20Advantage%20|%20Review%20|%20Financial%20Planning%20in%20Dubai%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/metlife-investor-advantage-review](mailto:?subject=Check%20out%20MetLife%20Investor%20Advantage%20|%20Review%20|%20Financial%20Planning%20in%20Dubai%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/metlife-investor-advantage-review) ##### 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? 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[Read More](https://www.financialplanningindubai.com/blog/short-term-investment-plan?hsLang=en-gb) ###### [Index Funds,](https://www.financialplanningindubai.com/blog/topic/index-funds)[Vanguard](https://www.financialplanningindubai.com/blog/topic/vanguard) ##### [How to Invest Like John Bogle: Vanguard Index Funds in UAE](https://www.financialplanningindubai.com/blog/vanguard-mutual-funds-company?hsLang=en-gb) The Vanguard Story: A Revolution in Investing [Read More](https://www.financialplanningindubai.com/blog/vanguard-mutual-funds-company?hsLang=en-gb) [![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? 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