Business income is a reward for risk taking. In order to ensure this income lasts for generations; it becomes imperative to cover the financial risk arising due to unforeseen demise of a Business Partner or Key Employees. Our business protection plan helps ensure that your business is not impacted by financial expenses arising out of purchase of stake of a deceased partner from surviving family members or impact on business profits due to loss of key employees.

To ensure that you are adequately covered against financial risk we bring you two different approaches to meet your financial objectives.

Futura: Whole of Life protection plan which helps you cover risk along with an underlying cash value. You can choose to customize a premium paying term of 7 years & above with the plan benefits extending up to the age 95. This plan is an ideal for Business Partners as their interest is vested for a term longer than an employee and is spread across future generations.

Key features:-

  • Allows you to customize plan benefits keeping them in line with the business profits i.e. with increase in business risk plan benefits can be increased and vice versa.
  • Provide a range of comprehensive additional benefits to protect against the financial impact of serious accident and illness.
  • Issues a cash sum if you are diagnosed with a critical illness during the policy term, if critical illness benefit is chosen


Insurance Products are underwritten by Zurich International Life and Citibank is its' registered Appointed Representative. Zurich International Life Limited is registered in Bahrain under Commercial Registration no. 17444 and is licensed as on Overseas Insurance firm – Life Insurance by the Central Bank of Bahrain.

Insurance Products: The information and descriptions contained in the above are not complete descriptions, but are for general information purposes only. Insurance products are subject to exclusions, special terms and conditions and medical underwriting requirements (as applicable) contained in policy documents. Insurance products are optional and underwritten by insurers, subject to terms and conditions of each policy. The information contained herein does not constitute any recommendation, endorsement or confirmation by Citibank, N.A. or any of its affiliates and representatives ("Citi"), of the insurance products offered by the insurers. Citi does not underwrite or issue insurance policies. Citi is not responsible for rejection of any application/claim. Citi's responsibility is limited to providing customer support by way of receiving payments from the customer and forwarding them to the insurer, in addition to making such insurance products available to the customers. New policies can be cancelled subject to terms and conditions of each individual policy. Citi from time to time receive payments from 3rd party product providers with an aim to sponsor internal training seminars for Citi's sales personnel, client events and product promotions. Further information regarding these arrangements is available on request from your Relationship Manager. If policies are cancelled within 30 days from issuance of the policy, customers are entitled to a refund of premium paid only after adjustment of loss in valuation of units (transfer charges may apply). Investment and insurance products are not bank deposits or obligations or guaranteed by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries. Investment and insurance products are not insured by any governmental or quasi-governmental body, agency or entity. Investment products, including investment linked insurance products and treasury products are subject to investment risk, including possible loss of principal amount invested. The savings component of the insurance product may be subject to risk and loss, is not guaranteed to achieve a specific return and is subject to early termination valuations and penalties that may cause loss in the capital invested by the customer. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments, insurance and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors' home currency. Investment, insurance and treasury products are not available to U.S. persons. All applications for insurance, investments and treasury products are subject to terms and conditions of the individual investment, insurance and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advice and is not responsible for advising him/her on the laws pertaining to his/her transaction. In addition to terms and conditions of the insurer under each policy, Citi terms and conditions apply, are subject to change with prior notice and are available upon request. Citibank, N.A., Bahrain Branch is an Appointed Representative of Zurich International Life Ltd.