Stories Like Yours

"Hello – my name's Maha. I'm married to Jamil, and we have two young children. We've been living in Dubai for five years now, and we love it. We're doing ok for money, but a little extra is always nice so when our youngest starts school next year I'm planning on going back to work part-time as an anesthetist.

Over the years, my job has meant that I've been personally involved in cases where, tragically, one or both parents in a family have died. Because I've seen first-hand how devastating this is, and the difference it can make to have financial help in place at such a difficult time, Jamil and I have decided to take out protection should anything happen to us. We've actually been meaning to review our financial situation for a while but we are unsure about how much cover we need to provide for the girls, cover the mortgage and all the other bills if either or both of us weren't around."

Live a full, abundant life, with the confidence that we’ve got you covered.

Unexpected events and accidents can really put your life plans on hold. Having the right cover in place can provide you with invaluable financial support if the unexpected happens. Money can’t ease emotional upheaval but it can help minimize the impact and give you the resource needed to help you over a stressful time.

"Hi - I'm Anna. I'm married to my husband George and we've had very little to worry about in life in terms of health and finance fortunately.

However, something happened recently which made us worry a bit about the future and the plans we have in place. My husband's boss, Rob, who we know very well, recently had a stroke and he's only 55. It's been very hard for his wife and children. It brought home to George and me how the chances of these kinds of illnesses can be increased by a less than healthy lifestyle – high-stress working environments, eating out a lot and things like that.

Rob's wife and the 2 children are obviously suffering huge emotional upheaval but they now have financial difficulties as well. They have medical insurance which takes care of the hospital bills, but they hadn't considered Rob's ongoing disability which could mean they have no monthly income. We realized that this could happen to either one of us and having seen the family's difficulties, decided that we'd like to put a plan in place to look after our family if we can't rely on George's income anymore."

Live a full, abundant life, with the confidence that we’ve got you covered.

Unexpected events and accidents can really put your life plans on hold. Having the right cover in place can provide you with invaluable financial support if the unexpected happens. Money can’t ease emotional upheaval but it can help minimize the impact and give you the resource needed to help you over a stressful time.

"Hello - I'm Ahmed. Over the last 15 years, I've pretty much dedicated my life to building up my business. Two years ago I took out a loan for USD 500,000 to install some new equipment which has really increased production, so business is better than ever.

I didn't think anything could go wrong, but when my neighbour sadly died suddenly last month it really got me thinking. If anything should happen to me unexpectedly, what would happen to the business I've worked so hard for, and more importantly, what would happen to my family? I'm training my nephew to take over when I retire, but if business should suddenly drop he'll be saddled with paying back a loan that's unaffordable. It could even end up with parts of the business being repossessed! And then what would all the people who depend on me do? It's time for me to look at insurance options to protect my family and my employees."

Live a full, abundant life, with the confidence that we’ve got you covered.

Unexpected events and accidents can really put your life plans on hold. Having the right cover in place can provide you with invaluable financial support if the unexpected happens. Money can’t ease emotional upheaval but it can help minimize the impact and give you the resource needed to help you over a stressful time.

"Hi - I'm Peter. I'm married to Gillian with two teenage children and we live in a large villa in Dubai.

Knowing the kids are all almost ready to leave home and go to college it's time for us to start thinking about our future and our retirement. I'm working for the same company that I started with 14 years ago which I enjoy, and although my wife doesn't work, we have a reasonable level of savings. My job has taken me all over the world but I'd like to be able to visit some of those places again when I retire. This time though, I'll be able to take my wife so that we can both enjoy the experiences.

We want to make sure that the savings and investments we make in the next few years give us a comfortable retirement, without eating into money we'd like to leave for the children – and, with any luck, the grandchildren too!"

Planning for the future

Reaching your financial goals depends very much on your ability to save while you work. Whether it’s for a wonderful retirement, a lavish wedding, a special holiday or starting a family, you’re never too young to start saving and making the most of your money. Whatever your dreams for the future are, we can help you start planning for them now.

"Hello, I'm Anita. My husband Sajan and I moved to the UAE recently with our four-year-old son, Ashwin. He's showing all the signs of being pretty bright and we're keen to give him as many opportunities as possible.

Therefore, I'd like to send Ashwin to a college in the US or the UK, even though it's going to be expensive for us to send him abroad. Sajan has made sure that we have a sound investment portfolio, but I know that the financial market can have its ups and downs. So, I'd like to start putting aside some money in a secure investment, separately from Sajan's investments, to make sure that Ashwin gets the best education possible."

Planning for the future

Reaching your financial goals depends very much on your ability to save while you work. Whether it’s for a wonderful retirement, a lavish wedding, a special holiday or starting a family, you’re never too young to start saving and making the most of your money. Whatever your dreams for the future are, we can help you start planning for them now.

"I'm Priya. I'm married to Sunil and we have a two-year-old daughter. I have a fairly hectic lifestyle as both my husband and I work, and his hours are particularly long as he works for an IT firm. We've recently decided to take out health insurance, even though we're both perfectly fit at the moment. It's mainly because my colleague was recently diagnosed with cancer which has been very stressful for her and her family. To add to that, they didn't have any insurance, so she ended up leaving her job and going back to her family in India for treatment taking the kids with her.

She no longer earns and her husband had to stay back in Dubai to make sure that one of them has an income to pay for the travel costs, medical bills and the day-to-day expenses of having the family living hundreds of miles apart.

It's a terribly stressful time for all of them and it really made me worry about what would happen to us if I was in that situation."

Prepare for the unexpected and live your life!

Unexpected events like a critical illness can really put your life plans on hold. Having the right cover in place can provide you with invaluable financial support if the unexpected happens. Money can’t ease emotional upheaval but it can help minimize the impact and give you the resource needed to help you over a stressful time.