Zurich Wealth Accumulation Plan - Simply Put

If your goal is to build long-term wealth while keeping full control over how much and when you invest, the Zurich Wealth Accumulation Plan (WAP) is one of the most flexible solutions available to UAE residents.

You can start with a initial lump sum as low as USD 32,500, then add USD 2,500 or more whenever you want:

• Monthly

• Quarterly

• Half-yearly

• Yearly

• Even completely ad-hoc

No mandatory contribution schedule.
No penalties for pausing , Hassle Free restart

Wealth Accumulation and growth on your terms.

Key Advantages at a Glance

✔ Flexible investing
Start with a lump sum. Add more whenever you choose.

✔ Invest globally
Access to top-tier Index Funds, Mutual Funds, and Target Date Retirement Funds
across multiple asset classes: equities, bonds, gold, sovereign and corporate debt.

✔ Advisor-led strategy
A qualified UAE financial advisor aligns investments with your goals, risk level, and timeline.

✔ Lower restrictions than typical plans
Withdraw anytime after year 3 for each contribution.

✔ Start–Pause–Restart easily
Life changes. This plan adjusts with you.

✔ Portable when you relocate
Leaving the UAE? Your plan doesn’t stop.

✔ Inheritance-friendly
Nominate up to 4 beneficiaries — assets transfer efficiently without court delays.

✔ Tax-efficient structure
Your global investments grow Tax Deferred. Also no capital gains tax as long as you are a resident of UAE.

✔ Digital access 24/7
Monitor and manage your portfolio from anywhere.

Why the Insurance Wrapper Matters

The Wealth Accumulation Plan is an investment vehicle within an insurance wrapper, which adds important planning benefits:

• Clear beneficiary nomination & Simplified wealth transfer

• Better structuring for Tax Efficiency, Estate planning and liquidity

A will or a trust is an efficient estate planning mechanism, but they do not help in wealth creation. The Wealth Accumulation Plan can not only help you accumulate and grow wealth, but it can also be a useful estate planning medium.

The Isle of Man Advantage

Zurich International Life is licensed and regulated by the UAE Central bank and also by the Isle of Man Financial Services Authority, a globally respected financial center.

• Authorized under the Isle of Man Insurance Act 2008

• Backed by the Life Assurance (Compensation of Policyholders) Regulations 1991, which can cover up to 90% of liabilities if an insurer fails

This framework is designed to protect policyholders and ensure companies hold adequate reserves to meet their obligations.

The Isle Of Man holds exceptional political and economic stability, thanks to its history of over 1000 years of continuous parliamentary government. It is a world-renowned financial center with stringent legislation governing the companies incorporated in it. 

Policy Charges

Establishment Charge
An establishment charge applies to each premium received and is deducted for up to 3 years from the date it is paid.

Policy Management Charge
A yearly management charge applies for the whole life of the policy and is applied to the policy value each month. The percentage charge depends on the policy value:

• 1.00%

• 0.80%

• 0.50%

based on defined bands in USD, AED/QAR, GBP, EUR, and BHD.

These charges are deducted monthly by cancelling units from your plan.

Yearly Policy Charge

• USD 165 per year (or equivalent in other currencies)

• This stops once your total premiums reach:

  • USD 60,000

  • AED/QAR 220,000

  • GBP 40,000

  • EUR 48,000

  • BHD 22,000

Like other charges, this is deducted monthly via unit cancellation.

➡️ You can always refer to Zurich’s official documents for the full charge structure:
“Key Features Document” and “Policy Terms & Conditions”.