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Term Plans

Are you the sole breadwinner of your family? Take a minute to think about these questions – What would your family do if something were to happen to you soon? What about your child’s education and future? How will your family survive in your absence? This is where a term insurance plan will come to your rescue!
Where SALAMA offers a wide range of term plans that makes you no longer ask these questions!


It is a straight forward convenient plan that can help eliminate the risk of financial loss that your family may face in case of an unfortunate event. The choice you make today will help your family cope with the financial loss and secure their dreams. Their tomorrow is safe with Hemaya Plus, a Term Plan that offers financial security in the most cost effective way.


  • The most affordable Insurance cover
  • Family Takaful Benefit (Insurance coverage) comes with built in Terminal Illness
  • Customize your plan with Additional Benefits such as:
    • Critical Illness
    • Accidental Death Benefit
    • Permanent and Total Disability
    • Waiver of Contribution
    • Family Income Benefit
    • Accidental Total or Partial Permanent Disability
  • Plan can be on single or Joint Life


  • Entry Age 18 – 74 years
  • Maximum Age at expiry – 100 Years
  • Minimum Payment Term of 2 years.
  • The Plan holder can choose to have a Contribution Payment Term that is equal to or less than the Plan Term.
  • The Plan offers Grace Period of 90 days
  • Plan Currency can be UAE Dirham or US Dollar
  • Plan can be designed for Individual as well as corporate
  • You may choose to pay a Single Contribution or Regular monthly/quarterly/half yearly/yearly Contribution
  • Your Plan can be reinstated within 12 months from the due date of the last unpaid Contribution, at the discretion of the Operator
  • Contribution amount is fixed at the start of the Plan and does not change during the Plan term
  • Free Look period of 30 days from issue date


The most convenient hassle free Family Takaful Plan that provides high level of protection to your loved ones at a very attractive price. With zero medical requirements this Plan offers you comprehensive and aff¬ordable coverage for a chosen period of time with guaranteed maturity bonus and minimum paperwork.


  • Most convenient way to protect your family
  • No Medicals
  • Hassle free with less paper work
  • Choose the term of the Plan and amount of contribution
  • Coverage up to AED 500,000
  • Worldwide coverage – Offering complete peace of mind
  • Built in Terminal Illness Benefit


  • Up to 100% Guaranteed Maturity Bonus at the end of the Plan Term, if no claims have been made
  • Entry Age 18 – 55 years
  • Maximum Age at Maturity – 70 Years
  • Choice of Term 5, 10, 15 years
  • Plan Payment can be continued from anywhere around the world
  • You may choose to pay monthly or yearly Contribution
  • Contribution amount depends on Term and Age of the Plan Holder