Why Expats in the UAE Must Prioritize Critical Illness Cover and Comprehensive Health Insurance
Why Expats in the UAE Must Prioritize Critical Illness Cover and Comprehensive Health Insurance…
Independent Financial Advisor
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About
Rasanjali Gunasekera
Authorized Financial Consultant
As an authorized financial consultant in Dubai U.A.E I specialize in helping you plan finances, create better spending habits, build wealth, create passive income, and achieve your financial goals. I’m a proud member of Nexus Insurance Brokers, the largest and oldest financial advisory firm in the Middle East, offering expert advice on life insurance in Dubai and across the UAE.
Beyond my advisory services, I am a dedicated blogger with a mission to create awareness about the importance of financial planning. I am here as a coach to help you develop the best financial plan for you, your family, and your business.
Stay updated by following me on Instagram @razan.ifa where I discuss tips on financial planning and provide educational content. Don’t forget to follow my Facebook page Rasanjali Gunasekera for more insights.
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Our Services
Comprehensive Insurance Solutions
Health Insurance
• Individual Health
• Group Health
• Critical Illness
• Group Health
• Critical Illness
Property & Casualty Insurance
• Homeowners
• Auto / Motor
• Travel
• Auto / Motor
• Travel
Business Insurance
• General & Professional Liability
• Business Owner’s Policy (BOP)
• Workers’ Compensation
• Key Person Insurance
• Pensions plans
• Business Owner’s Policy (BOP)
• Workers’ Compensation
• Key Person Insurance
• Pensions plans
Retirement & Pension Plans
• Regular savings plans
• Targeted savings plans
Education Planning
• Children’s college fund planning
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FAQs
Common Questions about Our Insurance Services
Answer: Yes, you can take multiple life insurance policies to increase your coverage.
Answer: A jumbo policy refers to a life insurance policy with a high coverage amount, often over $1 million. Some insurers provide the benefit of floor guarantee protecting the cash value of your policy.
Answer:
Calculate your coverage needs based on debts, income replacement, education costs, and other financial obligations. Consult your financial advisor to assess your life insurance cover requirement.
Answer:
Not necessarily. It may affect your premiums or coverage options, but many insurers offer policies for those with chronic conditions.
Answer:
Whole life offers lifelong coverage and cash value, while term life is more affordable for temporary needs. To know which type is best for you consult your financial advisor.
Answer:
Consider increasing your policy if your financial responsibilities have grown. Any major life event such as getting married, having a new born or taking a mortgage are examples where you must review your life insurance cover is adequate to cover the risks.
Answer:
Yes, you can borrow against the cash value of your whole life policy, typically at a lower interest rate than traditional loans.
Answer: You can have multiple beneficiaries and specify how the proceeds should be divided among them.
Answer: A Yes, you can add or change beneficiaries at any time by updating your policy.
Answer:
Premiums are determined by factors like age, health, lifestyle, coverage amount, and policy type.
Answer:
Critical illness cover is paid upon the diagnosis of a covered serious illness, usually as a lump sum.
Answer:
The best health insurance depends on your medical needs, budget, and preferred healthcare providers. Consult with a financial advisor to find a suitable plan.
Answer:
yes, you can purchase both health insurance and critical illness cover. Critical illness cover can be added as a rider to your life insurance policy.
Answer:
Yes, you can borrow against the cash value of your whole life policy, typically at a lower interest rate than traditional loans.
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