International Protector Middle East
Providing cover for residents in Bahrain, Oman, Kuwait, Qatar and Saudi Arabia.
International Protector Middle East is a tailored protection solution offering peace of mind should the worse happen. You can choose from three different cover options: stand-alone life cover; stand-alone critical illness cover and life cover or earlier critical illness cover. You also have the choice of level or decreasing term assurance depending on your circumstances.
Next Steps
To help achieve your financial goals, it’s important that you get independent financial advice. You can only buy our products through a financial adviser, so please speak to yours for guidance. They will help ensure your plans are tailored to meet your needs.
| Product features | Investor benefits |
|---|---|
| Life cover. | Will pay out to provide financial support for your loved ones giving you peace of mind that they can survive financially. |
| Critical illness cover (CIC). | Pays out if you are diagnosed with one of our defined critical illnesses. So you can concentrate on recovering, rather than worrying about your finances. |
| Life or earlier (CIC). | Pays a cash sum if you die or are diagnosed with one of our defined critical illnesses - whichever happens first. Offering financial protection for both scenarios. |
| Terminal illness benefit. | Will pay out if you are diagnosed with a terminal illness. Included at no extra cost, for Life Cover policies with terms of 3 or more years and all Life or Earlier CIC policies. You can spend quality time with your family, with the help of financial support. |
| Total and permanent disability benefit (TPD). |
An optional addition to Life Cover, paying out if you are diagnosed with a TPD. You will receive financial support, if you are totally and permanently disabled. |
| Guaranteed premiums. | Premiums remain the same for Life Cover and Life Cover with TPD. CIC premiums are guaranteed for the first 5 years. Meaning you can budget effectively as Life Cover premiums will never increase. |
| Multi-currency. | Premiums and cover are available in US Dollars (USD), Sterling (GBP) and Euro (EUR). You can choose a currency which best fits your circumstances and this will remain throughout the plan. |
| Single and joint life. | Single or joint life basis available. Offering financial security that your spouse or partner is covered should you select the joint life option. |
| Cover available for any term. | Cover is available for any number of years up to age 80 at the end of the term (age 70 for CIC). Cover can be tailored. So if a mortgage is for 25 years, Life Cover could have a 25 year term. |
| Monthly or annual premiums. | Premiums can be paid either monthly or annually. You can decide which frequency suits you. |
| Level or decreasing term. | Both types of cover offer you a lump sum payment should you die. Decreasing Term provides a lump-sum at the time of claim that aims to sufficiently cover the outstanding liability on a repayment loan – ideal protection against your mortgage. You can choose cover to suit your circumstances. |
| Portability. | It's portable, which means you can take it with you if you ever decide to move. |
Best Doctors ®
Put your mind at ease with an expert second opinion
At Friends Provident International (FPI), we are passionate about protecting the things that matter to our customers.
We are pleased to introduce the world-class second medical opinion service provided by ‘Best Doctors®’, which has been added as a free additional benefit to our IPME plan.
Nobody likes to think about falling seriously ill but if you, or a member of your immediate family, are diagnosed with a serious illness, we want you to feel confident in the diagnosis and the proposed treatment. If someone is diagnosed with a serious illness, a second opinion could prove to be invaluable.
FPI has joined forces with Best Doctors to provide you with expert answers on your medical condition, if you are unfortunate enough to suffer a serious illness. Best Doctors gives you access to the best medical minds in the world. They will select a world-leading specialist from their database of over 50,000 peer-selected experts. The expert conducts a detailed review of the case and the member then receives a written report with diagnoses and treatment recommendations.
Next Steps
To help achieve your financial goals, it’s important that you get independent financial advice. You can only buy our products through a financial adviser, so please speak to yours for guidance. They will help ensure your plans are tailored to meet your needs.
Best Doctors and the star-in-cross logo are trademarks of Best Doctors, Inc., in the United States and in other countries, and are used under license. Used with permission. All rights reserved 2017 © Best Doctors.