Quantum Four Plan

Quantum Four Plan is Ideal for

  • Asset Creation
  • Wedding Expenses
  • Child’s Higher Education Fund
  • Retirement Pension Fund
  • Or for any purpose requiring sizeable capital

Quantum Four Plan Benefit

The Quantum Four Plan allows you to have a money back on every quarter of the policy term. The payments will be made after each quarter term at a rate of 15% for the first two payments, 20% for the third payment and 50% plus the Terminal Bonus as a final payment.

The plan will maintain 100% Sum Assured even after making interim payments.This plan also allow you to have a loan based on your cash value subject to the terms and conditions. The plan acquires a surrender value after two years premiums have been paid. Incase of loss of life, the full Sum Assured with the terminal bonus is payable, less any loan.

Plan Details

Annual premium : USD 650 (in case of semi-annual premium USD 400 every six months).

Available policy plan terms: 12, 16, 20 or 24 years

Minimum age at entry is five years old

Maximum age at entry is 65 years old

Maximum coverage age is 75 years old

US Dollars (USD)
UAE Dirhams (AED)

The Quantum Four Plan offers you additional major benefits:

  • Accidental Death Cover
  • Accidental Death in a Public-Transport Cover
  • Accidental Dismemberment Cover
  • Total or Temporary Disablement Cover
  • Family Income Benefit
  • Critical Illness Cover and
  • Waiver of Premium Benefit
  • Triple Accident Benefit
  • Permanent Total Disability

Contact our support team on 04 605 1111 or email care@alliance-uae.com for details.

Accidental Death Cover

Under this benefits, if the loss of life occurs as a result of an accident, Alliance will pay two times the basic Sum Assured.

Accidental Death In A Public-Transport

Incase of loss of life whilst traveling in a public transport, Alliance will pay three times of the basic Sum Assured.

Accidental Dismemberment Cover

If you lose any two limbs as a consequence of an accident, Alliance will pay the basic Sum Assured and continue to retain the policy in force.

Total or Temporary Disablement Cover

Should you suffer from such a disability, Alliance will help you to improve your cash flow by paying out a weekly income equal to half a percent of the basic Sum Assured.

Family Income Benefit

This benefit is in addition to the basic Sum Assured and is designed to provide the family with a regular in-flow of income to meet on-going living expenses.

Critical Illness Cover

With increased affluence, improved hygiene conditions and vastly improved medical facilities aided by breakthrough, people tend to live longer these days even after suffering from illnesses that once claimed lives like heart attack and kidney failure. But what happens is that financial burden goes up when this happens, so Alliance has attached the Critical Illness as a rider plan that you can have to ensure that should you suffer from any of the conditions given below then Alliance will pay the Sum Assured under this rider, subject to its terms and conditions:

  • Cancer
  • Multiple Sclerosis
  • Paralysis
  • Coma
  • Major Bums
  • Blindness
  • Myocardinal Infarction
  • Coronary Artery (Bypass) Surgery
  • Stroke
  • Renal Failure
  • Major Organ Transplantation


Should you suffer from illness for a lengthy period or unable to work owing to an accident, then it is most likely that payment of premiums will become a burden. To alleviate you from this potential worry, we have included an option on this plan for you to have a waiver of premium. If you elect to have this option, then Alliance will pay your premiums after three months incapacity until you return to work or the plan matures, whichever occurs earlier.

We have worked out a typical example below to help you understand how the Quantum Four plan works.

Take Andrew who is 35 years old. He needs USD 30,000/- for plot of land he intends to build his house on later in life. Andrew has one daughter Camilia who will be 18 years old in ten years time and Andrew wants her to go to a University for higher education. This will cost about USD 30,000 for a three year full time course. Andrew thinks that Camilia will probably marry a couple of years after graduating and that to have a good wedding, it will cost about USD 40,000. After Andrew has done with land purchase and taken care of Camilia’s education and wedding needs he will have to think about building himself a house. This will cost around US$ 100,000. Andrew thinks that 5 years after Camilia’s wedding , he should start thinking about building his home because by that time he will be 55 years old and will need to start seriously thinking about resettling back in home country.

By investing in Quantum Four plan over a term of 20 years, the plan will cover  USD 30,000 for the plot of land after 5 years, the USD 30,000 for the University’s fees, the USD 40,000 for the wedding and the USD 100,000 for the house building costs, as well as the additional surplus of USD 120,000 as a bonus. Andrew will also get USD 200,000 as a Life Cover.