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Citigold Insurance

Customised financial planning and management solutions to help you protect what matters most


Lifelong is a flexible life insurance plan which bridges the financial gaps arising out of unfortunate events such as death or diagnosis of critical illnesses. You can choose to customize a premium paying term of 7 years & above with the insurance plan benefits extending up to the age 95.


  • Pays a lumpsum insurance amount to your designated beneficiary in the unfortunate event of your death or disability or diagnosis of one of the covered critical illnesses.
  • Ideal plan for protecting your loved ones against loss of income.
  • Ideal plan for covering yourself and your spouse under one life insurance policy.
  • This insurance plan offers the option for you to invest your premium into a wide range of renowned funds which helps to build policy cash value from 3rd year onwards.

International Term Assurance

Our International Term Assurance plan helps you ensure that unforeseen circumstances such as the early demise of the earning family member or the diagnosis of any critical ailments of a family member do not impact you financially, and help you maintain your current lifestyle.


This term life insurance plan offers you the choice of a benefit period ranging from 5 years upto 35 years from the time of policy subscription (policy term).


  • Allow your family to clear outstanding debts, if any
  • Provide an adequate income for your dependents to pay for living expenses, school fees, child care and regular bills
  • Protect your business in case of demise of a key person or principal
  • Provide a cash deposit to the estate, which may prevent other assets being sold


Invest Plus prepares you to save on a regular basis over a medium to long term period. The flexible platform of the product lets you decide how much and in which currency you wish to invest, gives access to your capital by allowing regular withdrawals or partial surrenders. It helps to secure your future through adding optional benefits such as additional life cover, accidental death benefits and waiver of premium benefits.


  • Allows you to select a term from 5 years to 15 years to match your child's age e.g. Parents with child aged 7 years can choose a term of 11 years to have an education corpus ready for higher education when the child turns 18.
  • Flexible mode of payment (Monthly, Quarterly, Half Yearly, Yearly)
  • Welcome and Loyalty bonus reward scheme for long-term savings

Wealth Accumulation Plan

Wealth Accumulation Plan is a simple investment plan wrapped with insurance that helps you grow your wealth at your own pace.


WAP is single premium approach towards investment where you can customize your portfolio matching your risk appetite and market conditions. The portfolio allows you to diversify across different fund houses and allows switching between funds based on your market outlook.


  • High flexibility allowing you to add additional premium increment with surplus cash flow
  • Option to withdraw and partial surrender to finance short term capital requirements
  • Offer wide range of investment funds to match your risk profile
  • Allows you to choose from a wide range of currencies

Lifestyle Protect

Lifestyle Protect is an optional credit insurance program designed to provide you with the peace of mind that comes with knowing that even in unfortunate circumstances, your cover will allow you to take care of your Citi Credit Card dues and also ensure personal expenses are taken care of.


In the unfortunate event of Death or Critical Illness:


  • Coverage of the full Outstanding Balance
  • Payment of three times the average Outstanding Balance for the last three months prior to the date of the covered event to you or your legal heirs

In the unfortunate event of Involuntary Loss of Employment:


  • Coverage of 10% of the Outstanding Balance on your credit card up to 12 months of proven unemployment
  • 5% of the last 3 month's outstanding balance prior to date of loss of employment, paid directly to you up to 12 months of proven unemployment up to a maximum of AED 1,000 per month

Insurance are subject to exclusions, special terms and conditions and medical underwriting requirements (as applicable) which are contained in the policy document. All insurance products are optional and underwritten by Insurers, subject to terms and conditions of each Policy. Citibank N.A. does not underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application and/or claim made to the insurer. Citibank N.A. provides 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. Policies can be cancelled at any time. If cancelled within 30 days of enrollment, customers will be entitled to a refund of premium collected within that period as per the terms and conditions of the plan, however, transfer charges may still apply. Unless specified, 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 unless specifically stated. Investment, investment linked insurance and treasury products are not insured by government or governmental agencies. Investment, investment linked insurance and treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments, investment linked 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, investment linked insurance and treasury products are not available to U.S. persons. All applications for investments, insurance, investment linked insurance and treasury products are subject to terms and conditions of the individual insurance, investment, investment linked insurance and treasury products. It is the customer's responsibility to seek independent legal and/or tax advice regarding the legal and tax consequences of his/her investment, insurance and investment linked insurance transactions and decisions. If the customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her insurance, investment linked insurance and/or investment is 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 are not responsible for advising him/her on the laws pertaining to his/her insurance, investment, investment linked insurance. In addition to terms and conditions of the aforementioned products, Citibank terms and conditions apply, are subject to change and can be found at Please call our 24-Hour CitiPhone Banking Service on +971 4 3114 000 should you have any queries or complaints.