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 clients peace of mind should the worse happen.
Your client can choose from three different cover options: stand-alone life cover; stand-alone critical illness cover; life cover or earlier critical illness cover.
They also have the choice of level or decreasing cover, depending on their circumstances.
|Product features||Investor benefits|
|Life cover.||Financial support and peace of mind that your client’s loved ones could survive financially.|
|Critical illness cover (CIC).||Pays out if your client is diagnosed with one of our defined critical illnesses. So they can concentrate on recovering, rather than worrying about their finances.|
|Life or earlier (CIC).||Pays out on death or if your client is diagnosed with one of our defined Critical Illnesses - whichever happens first. Offering financial protection for both scenarios.|
|Terminal illness benefit.||Pays if 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. Your client can spend quality time with their family, with the help of financial support.|
|Total and permanent disability benefit (TPD).
||An optional addition to Life Cover, paying out if your client is diagnosed with a TPD. They would receive financial support, if they are totally and permanently disabled.|
|Guaranteed premiums.||Premiums will remain the same for Life Cover and Life Cover with TPD. CIC premiums are guaranteed for the first 5 years. Meaning your client can budget effectively as their life cover premiums will never increase.|
|Multi-currency.||Premiums and cover available in USD, GBP and EUR. Your client can choose a currency which suits and this will remain throughout the plan.|
|Single and joint life.||Single or joint life basis available. Offering financial security that your client’s spouse is covered, should they choose joint life.|
|Cover available for any term.||Cover is available for any number of years, providing your client is under age 80 at the end or age 70 for Critical Illness Cover.|
|Monthly or annual premiums.||Premiums can be paid either monthly or annually. Your client can decide which frequency better suits them.|
|Level or decreasing term.||Both types of cover offer a lump sum payment on death. 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 a mortgage. You can choose cover to suit your client’s individual circumstances.|
|Portability.||It's portable, which means your client can take it with them if they ever decide to move.|
- Accidental Death Benefit Cover
- Appointment of Third Party as Payee
- Best Doctors
- Claims statistics: January 2018 to December 2020
- Critical Illness Cover vs Medical Insurance
- Doctors Clinics
- Guide to Premium Reviews
- IPME Application Form
- IPME Application Form (Addendum)
- IPME Brochure
- IPME Covid-19
- IPME Product Guide
- IPME Underwriting Guide
- Life Cover or Life Cover and Total and Permanent Disability Benefit (Policy Conditions)
- Life or Earlier Critical Illness Cover or Critical Illness Cover (Policy Conditions)
- Medical fee reimbursement form
- Medical limits and examination requirements
- Mortgage Protection Application Form
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.
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.