Life Insurance

Protect What Matters Most with WealthPlanning 360

At WealthPlanning 360, we believe that Life Insurance isn’t just a policy—it’s a promise to protect your loved ones and preserve your legacy.

We offer personalized, expert guidance to help you choose the best life insurance plan tailored to your needs, goals, and lifestyle. Whether you’re in Dubai or anywhere in the UAE, or plan on going global, we’re here to help you build a strong financial safety net.

Why choose WealthPlanning 360 for your Life Insurance needs?
  • Access to the best life insurance options across the UAE and beyond
  • Customised insurance plans that align with your risk profile and family priorities
  • A solid financial safety net ensuring your loved ones are protected
  • Local and global financial expertise to find the best policy in all of UAE
  • Trusted advisors who help you make confident, informed decisions

Secure their tomorrow—today. Let’s create a future where your family is always covered.

Whole-of Life Insurance

Secure Their Future, Today

At WealthPlanning 360, we understand that protecting your loved ones goes beyond the short term. That’s where Whole-of-Life Insurance comes in—it’s not just a policy, it’s peace of mind for a lifetime.

Why Choose Whole-of-Life Insurance?
  • Lifetime Coverage: Unlike term plans, a Whole-of-Life Insurance Policy doesn’t expire. It covers you for your entire life—no renewals, no surprises.
  • Guaranteed Pay-Out: Upon your passing, your dependents receive a lump sum pay-out—ensuring their financial stability when they need it most.
  • Fixed Premiums: You pay regular premiums—monthly or annually—that stay consistent, making it easier to plan your finances long-term.

 

  • A smart combination of insurance + investment under one policy.
  • The option to enhance your coverage with add-ons like critical illness or disability protection.
  • Flexible payment plans: Pay in installments or a one-time lump sum—whatever suits your lifestyle.
  • Part of your premium goes into an investment fund, which can potentially grow over time—boosting the eventual pay-out.
  • Need flexibility? You can borrow against or withdraw the cash value accumulated in your policy.
  • Own a business? Your Whole-of-Life Insurance Policy can help liquidate business debts if needed.

Our friendly experts at WealthPlanning 360 are here to walk you through every option and help tailor a plan that aligns with your goals—no jargon, no pressure, just honest guidance.

 

  • Network of Qualified Professionals
  • Focused on you
  • Multifaceted Solutions
  • Personalized Approach

 

Term Life Insurance

Simple. Smart. Straightforward

From the trusted team at WealthPlanning 360

Life can be unpredictable, but planning ahead doesn’t have to be complicated. That’s where Term Life Insurance steps in—a straightforward way to protect your loved ones financially for a fixed term.

What is Term Life Insurance?
  • It’s a Life Insurance Policy that offers protection for a specific period—a fixed term.
  • Once the term ends, the policy expires. You can choose to renew it—or let it go.
  • If the policy lapses and you pass away after that, your loved ones won’t receive a pay-out.
  • Your premium is calculated based on your:
    1. Age
    2. Health
    3. Life expectancy (as assessed by the insurer)
  • The amount you’re covered for is locked in at the start—no surprises later.
  • If you choose to renew after your term ends, your premium will increase based on your age at that time.
  • It provides a lump sum pay-out to your family or dependents—helping cover:
    1. Funeral expenses
    2. Mortgage payments
    3. Ongoing living costs
  • Your premium and pay-out amount are fixed—giving you peace of mind and easy budgeting.
  •  No investment element means no cash returns at the end of the term (unlike Whole-of-Life Insurance).
  •  If you pass away after the policy ends, there’s no pay-out.

It could be—if you’re looking for affordable, straightforward coverage for a set period of time. But choosing the right Life Insurance Policy depends on your goals, responsibilities, and future plans.

  • Network of Qualified Professionals
  • Focused on you
  • Multifaceted Solutions
  • Personalized Approach

 

Critical Illness

Because your health might falter, but your finances shouldn't.

When life throws a curveball in the form of a serious illness, it impacts more than just your health—it affects your job, your savings, your daily routine, and your family’s sense of security. That’s where Critical Illness Insurance from WealthPlanning 360 comes in.

Why It Matters?
  • Globally, over 30–45 million adults are diagnosed with critical illnesses each year.
  • In the UAE alone, 55% of deaths in 2021 were caused by cancer, heart disease, diabetes, and chronic respiratory illnesses.
  • Many of these conditions result in loss of income, while treatment costs skyrocket.

Critical Illness Insurance provides a lump sum pay-out if you’re diagnosed with a serious illness like:

  • Cancer
  • Heart attack
  • Stroke
  • Organ failure
  • And many other conditions listed under your policy
  • Medical expenses not included in standard health insurance
  • Mortgage or rent payments
  • Utility bills or outstanding debts
  • Home modifications (like wheelchair access or safety fittings)
  • Even capital to start a home-based business if you’re unable to return to work
  • Your premium is based on factors like age, health status, and lifestyle.
  • The younger and healthier you are, the lower the premium—so it’s smart to get insured early.
  • There’s no monthly surprises—your premium and payout are clearly defined from the start.
  • It’s not just about protection—it’s about freedom.
  • Focus on recovery without worrying about finances.
  • Safeguard your savings and avoid dipping into retirement funds or emergency cash.
  • Part of long-term financial planning to future-proof your lifestyle.
  • At WealthPlanning 360, we guide you through Critical Illness Coverage options that suit your life stage, budget, and goals.
  • Whether you need local UAE coverage or global protection, we’ve got you covered.
  • Network of Qualified Professionals
  • Focused on you
  • Multifaceted Solutions
  • Personalized Approach

 

Universal Life Insurance

Flexible protection today. Financial foresight for tomorrow.

At WealthPlanning 360, we understand that planning for the future goes beyond just savings. It’s about protecting what you’ve built—for your family, your business, and your legacy. That’s where Universal Life Insurance (ULI) steps in.

Why Universal Life Insurance?

More than just a traditional policy, Universal Life Insurance offers:

  • A flexible way to increase or preserve wealth
  • A blend of insurance protection and investment
  • Access to liquid funds when they’re needed most
  • Tools to mitigate risks in both personal and business planning
  • Secure a financial future for your heirs without burdening them with fees or taxes.
  • Use ULI to provide liquidity to your loved ones for settling debts, legal costs, or inheritance tax planning.
  • Ensure fair and smooth transfer of wealth—especially when multiple heirs are involved.
  • ULI acts as an alternative asset class—one that’s guaranteed, stable, and grows over time.
  • Unlike market-driven assets, it comes with predictable costs and peace of mind.
  • A strategic tool for high-net-worth individuals to preserve wealth across generations.

 

  • In the GCC, over 45% of high-net-worth individuals use life insurance as part of their legacy and succession planning.
  • 40% of businesses globally do not survive the death of their founders due to lack of a business survival plan.
  • Losing a key employee can stall your business. A ULI insurance policy ensures:
    • Immediate cash flow to recover or replace critical talent
    • Resources to keep operations running smoothly
    • Support to offset lost profits
  • With ULI as part of your business continuity or survival plan, you’re ready for the unexpected.
  • Want to leave a legacy of impact?
  • You can give a ULI policy or name a charity as the beneficiary.
  • It’s a meaningful way to support causes close to your heart—long after you’re gone.
  • Estate taxes can take a serious bite.
  • A ULI policy ensures your beneficiaries aren’t scrambling to find cash to pay taxes on property, business, or assets.
  • Unlike fixed assets, Universal Life Insurance offers liquidity—exactly when you or your family needs it most.
  • Consider it a ready reserve that fits into your larger financial planning strategy.
  • Tailored ULI solutions built around your personal, business, and philanthropic goals
  • Guidance from experts who understand global estate planning and tax regulations
  • A long-term partnership focused on securing your future

Build your legacy. Protect your vision. Invest in peace of mind.
Let’s talk about the right Universal Life Insurance plan for you.

  • Network of Qualified Professionals
  • Focused on you
  • Multifaceted Solutions
  • Personalized Approach
Endowment Life Insurance

Secure Your Future,
One Step at a Time

With Endowment Life Insurance, you not only ensure financial protection but also build a secure fund for milestones like your child’s education, a wedding, or property investment. 

An Endowment policy is a structured savings plan that matures after a fixed period, paying out a lump sum. Should the policyholder pass away before maturity, the plan ensures a financial safety net for their beneficiaries. 

Why Choose an Endowment Plan?

  • Dual Benefit – Combines life insurance with a disciplined savings plan.
  • Goal-Oriented Saving – Ideal for those planning ahead for significant life events.
  • Financial Security – Guaranteed returns at a set date, ensuring peace of mind.
  • Flexibility – Choose your premium and policy term based on your financial goals.

Tailored Solutions with Wealth Planning 360
At Wealth Planning 360, we craft personalized endowment plans to fit your aspirations. Our advisors assess your financial needs, calculate your contributions, and provide risk-free solutions with guaranteed returns.  

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Backed by industry experience, we provide tailored insurance solutions that safeguard your future. Trust us to protect what matters most.

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