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Protection for a Lifetime

Enjoy financial security for the whole of your life

Futura is a flexible life insurance plan which bridges the financial gaps arising out of unfortunate events such as death or diagnosis of critical illnesses. You can choose to customize a premium paying term of 7 years & above with the insurance plan benefits extending up to the age 95.

Find out how much insurance cover you need    Click here

  • Pays a lumpsum insurance amount to your designated beneficiary in the unfortunate event of your death or disability or diagnosis of one of the covered critical illnesses.
  • Ideal plan for protecting your loved ones against loss of income.
  • Ideal plan for covering yourself and your spouse under one life insurance policy.
  • This insurance plan offers the option for you to invest your premium into a wide range of renowned funds which helps to build policy cash value from 1st year onwards.

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  • Optional benefits that help you customize your plan covering the following risks:-
    • Critical Illness Benefit
    • Permanent Total Disability Benefit
    • Accidental Death Benefit
    • Hospitalization Benefit
    • Dismemberment Benefit
    • Waiver Of Premium Benefit
    • Family Income Benefit
    • Fixed Term Benefit

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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.

Click here to view product terms and conditions

Futura 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 enrolment, 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.