Quantum Four Platinum

Life is filled with many memorable moments at various stages. Vacation, Marriage, House, Car, Children, Retirement all form part of these precious moments. These events carry responsibility and they are best enjoyed and money saved for those moments. Understands your need to save, invest and protect your family through these stages in life.

Quantum Four Platinum

QUANTUM FOUR PLATINUM is an investment and protection plan offering FOUR maturities at regular predetermined intervals during the plan period. This enables you to provide for the various stages in your life. You can earn attractive returns for your savings at the end of the plan term while enjoying the four partial maturity payments and maintaining full life insurance coverage.

You can also add additional optional benefits to the plan thereby offering protection for a number of probable risks you may encounter during the policy period. With affordable premium options and shorter premium paying period, QUANTUM FOUR PLATINUM can be customized to suit your requirement making it an ideal choice for your savings and protection.

Plan Details

US Dollars (USD)
UAE Dirhams (AED)

Minimum age at entry is five years old

Maximum age at entry is 65 years old

Maximum maturity age is 80 years old

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

Single Pay, 3 years pay, 5 years pay, Full Term Pay

Monthly, Quarterly, Half-yearly & Annual

15% of Sum Assured – 1/4 th policy term
15% of Sum Assured –- 2/4 th policy term
20% of Sum Assured – 3/4 th policy term
50% of Sum Assured + Accrued Terminal Bonus at the end of Policy Term

Sum Assured + Accrued Terminal Bonus

The Quantum Four Platinum offers you additional benefits:

  • Critical Illness 40
  • Permanent/ Partial Total Disability
  • Accidental Death and Dismemberment
  • Triple Accident Benefit
  • Waiver of Premium Benefit
  • Passive War Benefit
  • Family Income Benefit

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

Premium Interruption

  • Grace period of 30 days
  • Policy Revival period of 2 years
  • Automatic Premium Loan
  • Paid up option
  • Surrender option
  • Extended Term Cover

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:

  • Maximum entry age is 65 years
  • Maximum coverage age is 70 years
  • Up to 50% of basic Sum Assured can be availed

Quantum Four Platinum is savings and protection plan offering FOUR maturities at regular predetermined intervals during the tenure of the plan.

You benefits from the four time maturity enabling you to have better liquidity along with the attractive returns which can be used for marriage, education, vacation, retirement or just about anything you desire. The premium, term and payment period can be designed based on your age, sum assured and underwriting requirements thereby offering you different options to choose from.


1. Choose the Basic Sum Assured based on your needs
2. Choose the Policy Term as per your requirements
3. Choose the premium payment terms as per your convenience
4. Your premium will be calculated based on the Age, Basic Sum Assured, Policy Term and Payment Period. (underwriting requirements if any)
5. Complete the documentation along with the other prerequisites
6. Pay your premiums regularly/regularly
7. Enjoy maturity Amounts at specified regular intervals + Bonus along with final maturity
8. Stay protected throughout the policy term

This unique feature enables customers to choose shorter Premium Payment Term based on their convenience irrespective of the Policy Benefit Term.

Other than the regular premium, the customer can choose to pay the premiums in one of the three shorter periods mentioned below:-

  1. Single premium –One lump sum payment
  2. Three years premium payment – You can pay the premiums in just three years
  3. Five years premium payment – The premiums can be paid over a five year period.

On an aggregate, the customer pays reduced premiums, making the returns attractive.

This limited period premium payment option helps expatriate customers to complete their premium payment well in advance so that they can enjoy the basic benefits of the plan without paying the premium for the remaining term.

Inbuilt Benefits

Sum Assured

In the event of untimely death during the policy term, the full sum assured plus accrued terminal bonuses will be paid to the beneficiaries providing protection to the family. This is a worldwide cover with benefits payable in any country (Standard exclusion apply). The benefits are subject to payment of full premiums.

Maturity Benefits

Three payments at specific intervals will be paid throughout the plan term based on the Sum Assured amount on survival of the policyholder.

Annual Bonus*

Each year, Alliance Insurance declares a terminal bonus which accumulates in the policy and is paid when the policy matures or when the death claim of the policyholder is paid. The bonus depends on the performance of the business at Company’s discretion.

Policy Loans**

If the policyholder needs money at short notice, it is possible to obtain a loan against the cash value of the policy.

Policy Surrender

The Plan acquires a cash value after a certain period based on the premium payment term. The policyholder can surrender the policy in case necessary based on a pre-defined cash value chart provided at the time of policy inception.

Grace Period

Grace Period of 30 days is allowed after the premium falls due for payment. All benefits are intact during this period.

Automatic Premium Loan

In case of financial difficulty in paying the premiums, the Automatic Premium Loan option will enable the policyholder to pay the premium from the cash value of the plan. The APL shall continue subject to the availability of Cash Value

Paid up Option & Extended Term Cover (ETA)***

Upon acquiring a cash value, if the policyholder is unable to continue with the premium payment they can choose convert the policy into Paid-Up status. The Sum Assured (for death and maturity) in this case will be reduced to the value of Paid-up Amount.

The policy holder also has the option to choose the Extended Term Cover option which enables the Death Benefit to continue at 100%, while the pure Endowment (ETA) value, if any, shall be paid on maturity. The term of coverage and pure endowment are dependent upon available cash value at the time of conversion.

Policy Revival Period in case of Policy Lapse

The lapsed policy can be revived within 2 years of the last premium paid by paying the premiums due along with the penalty subject to “Declaration of Good Health”.

Foot Notes:

 *The bonus cannot be used to offset future premiums, neither can it be encashed prior to maturity

** The loan interest rate shall be set at Company’s discretion.

*** Bonus is not payable upon Paid-up or ETA.