Takaful Emarat Term Plan Insurance

Takaful Emarat term insurance is designed to provide financial security to your loved ones in case of unforeseen events. Available at affordable rates, this plan ensures a substantial payout to beneficiaries and helps them manage expenses and maintain their standard of living.

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Founded in 2008, Takaful Emarat is a leading provider of Sharia-compliant insurance solutions in the UAE. With a focus on transparency, mutual assistance, and ethical practices, the company has earned the trust of individuals and families seeking comprehensive insurance options that align with their values.

Whether you seek to cover liabilities, safeguard your family's future, or meet long-term financial goals, Takaful Emarat's term policies are certainly a reliable and ethical choice.

What is a Takaful Emarat Term Insurance Policy?

A Takaful Emarat term insurance policy is a Sharia-compliant life insurance plan. It is designed to provide financial protection to your loved ones in the event of unforeseen circumstances. Based on the principles of Takaful, this policy operates as a cooperative system where participants contribute to a shared fund, ensuring mutual support during financial emergencies.

In the unfortunate event of the policyholder’s death during the policy term, the nominee receives a payout. They can use this sum to meet their financial needs, daily expenses, future goals related to education, and more. 

Takaful Emarat term insurance offers comprehensive coverage at affordable premiums, providing peace of mind to both individuals and families. With flexible options and adherence to Islamic principles, it is an ideal choice for those seeking ethical and reliable life insurance coverage.

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Why Should You Buy a Term Insurance Plan from Takaful Emarat?

As an Islamic insurance company, Takaful Emarat operates on the concept of shared contributions and cooperation. When you buy Takaful Emarat term insurance, you get the following benefits —

  • Shariah-compliant insurance plans
  • Customisable plans
  • 24/7 customer care service
  • Comprehensive coverage
  • Hassle-free claim application and settlement process

Features and Benefits of Takaful Emarat Term Insurance Plans

Takaful Emarat term insurance is available under two different plans. Here are the features and benefits of each type —

The most popular Takaful Emarat Term Insurance plan is the Fixed Term Plan. 

Here are its benefits —

  • This is a level-term plan
  • The policy tenure ranges from 5 years to 35 years
  • The premium can be paid annually or by opting for a limited pay option
  • It is a Shariah plan 
  • The riders available with this plan include —
    • Critical Illness*
    • Terminal Illness

*If you choose the critical illness benefit, you make your term plan comprehensive. This plan offers additional coverage in case the life assured gets diagnosed with any of the covered critical illnesses. 

Here are the features of this particular cover —

  • Cover of up to 50% of the sum assured
  • Waiting period of 90 days
  • Total illnesses covered - 11 (including cancer, chronic liver diseases, bypass surgery, stroke, blindness, and more)

Eligibility Criteria to Apply for Takaful Emarat Term Insurance in the UAE

To apply for Takaful Emarat term insurance in the UAE, you must meet the following basic eligibility requirements — 

Fixed Term Decreasing Term
  • Minimum Entry Age — 18 years
  • Maximum Entry Age — 65 years
  • Minimum Entry Age — 18 years
  • Maximum Entry Age — 65 years

Frequently Asked Questions

What are the maximum and minimum entry ages?

The minimum entry age is 18 years and the maximum entry age is 65 years.

Q2: Are there any add-ons offered?

Yes, the plan seeker can enjoy additional benefits on top of the existing base policy. Some of the add-ons offered are critical illness, accidental death benefit, etc.

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