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Business Protection Plans

Protect your business

Business income is a reward for risk taking. In order to ensure this income lasts for generations; it becomes imperative to cover the financial risk arising due to the unforeseen demise of a Business Partner or Key Employees. Our business protection plan helps ensure that your business is not impacted by financial expenses arising out of purchase of stake of a deceased partner from surviving family members or impact on business profits due to loss of key employees.

To ensure that you are adequately covered against financial risk we bring you two different approaches to meet your financial planning objectives.

Find out how much insurance cover you need   Click here



Futura is a whole of life protection plan which helps you cover risk along with an underlying cash value. You can choose to customize a premium paying term of 7 years & above, with the plan benefits extending up to the age 95. This plan is an ideal for Business Partners as their interest is vested in the business for a long term and is spread across future generations.

Key features:-

  • Allows you to customize plan benefits keeping them in line with the business profits i.e. with increase in business risk plan benefits can be increased and vice versa.
  • Provide a range of comprehensive additional benefits to protect against the financial impact of serious accident and illness.
  • Issues a cash sum if you are diagnosed with a critical illness during the policy term, if critical illness benefit is chosen.


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International Term Assurance is a cost effective business protection plan covering demise of a partner/key employee and financial expenses arising out of critical illness treatment alongside other optional benefits. The plan offers benefits for a period ranging from 5 years to 35 years and is ideal for businesses which are spread across borders. The plan is best suitable to insure key employees against financial risk arising out of demise and critical aliments.

Key features:-

  • Continue to provide protection if you move permanently to another country.


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The policy owner or his/her beneficiary may call Citibank at +971 4 311 4000 or Zurich at +971 4 363 4567 or +44 1624 691111 to report a claim.

You may download the claim form by visiting In case you require any further assistance, please feel free to write to Citibank at or Zurich at


Please visit Citibank NA Branch to initiate a cancellation request. Alternately, visit and click on "I need to access my money" if you wish to cancel your existing policy or "I need to update my policy" for any service related requests. For any further details, you may call Citibank at +971 4 311 4000 or Zurich at +971 4 363 4567 or +44 1624 691111.

If you would like to contact Customer Happiness Contact Center of Insurance Authority of the UAE, here are the details –


Telephone: 800(CBUAE)22823



In case you are an existing policy owner, you may access your portfolio details by clicking here.


To view product terms and conditions for Futura (click here) and International Term Assurance (click here) Futura and International Term Assurance is underwritten by Zurich International Life and Citibank is a distributor. Citibank N.A. will receive a distribution fee (commission) from the Insurer equivalent to a percentage of the gross premium payable. Other Citi entities may receive additional compensation for the provision of product administration and management services. Citibank N.A. will not be responsible for the rejection of any application/claim under this policy. Citibank N.A. does not underwrite or issue insurance policies. Citibank N.A. provides customer support by way of receiving payments from the customers and forwarding them to Zurich International Life, in addition to making such insurance products available to its customers. Premiums contributed by the Customer under this policy are not bank deposits or any other obligation of, or guaranteed by Citibank N.A., Citigroup or any of their affiliates and are subject to risks and possible loss of the principal amount invested. Insurance products are optional, underwritten by insurers, subject to exclusions, terms and conditions, medical underwriting requirements as listed in the policy document. Citibank N.A. does not underwrite or issue insurance policies and is not responsible for rejection of any application/claim. Citibank N.A. makes available insurance products and provides customer support by receiving payments and forwarding them to the Insurer. If policies are cancelled within 30 days of enrollment, customers are entitled to receive refund of premium paid or applicable account value. For policy cancellations after 30 days period, customer will be entitled to receive applicable surrender value after deduction of surrender charges. Citibank Terms and Conditions apply, are subject to change and can be found at Insurance products are not available to US persons. If a customer changes residence, citizenship, nationality or place of work, it is the customer's responsibility to understand how their insurance is affected by such change and comply with all applicable laws and regulations. Citibank N.A. UAE Branch is registered with Central bank of UAE under license numbers BSD/504/83; 13/184/2019; BSD/2819/9, BSD/692/83, for Al Wasl Branch Dubai, MOE- Dubai; Sharjah, Abu Dhabi branches respectively, has partnered with Zurich International Life Insurance Company, an insurance company registered with Insurance Authority of the UAE under registration number 63 to offer this insurance product.