Vantage Life

Ensure your family’s financial protection against life’s uncertainties

What is Vantage Life?

At Al Hilal Takaful we understand how important it is to be able to provide for your family no matter what happens in life. That is why we have introduced Vantage Life, a Shari’a compliant plan which is designed to provide a lump sum payment to your chosen beneficiaries in the event of death and/or Terminal Illness (God forbid). Plus, in case the supplementary covers are chosen, it will provide you with the financial support needed to overcome the suffering from a life altering event, such as total and permanent disability and/or critical illness.

By providing financial cover against unexpected events, Vantage Life gives you the peace of mind and therefore the ability to enjoy life without worries.

This plan is designed with the cooperation of HDFC International Life and Re Company LTD.

What do you get with this Plan?

Vantage Life offers the following main plan benefits and supplementary plan benefits:

Main Benefits:

  • Death Benefit: Coverage that provides you with the peace of mind that your dependents would be financially secure and able to maintain the same lifestyle if you are no longer around (God forbid), in which case your beneficiary(ies) will receive the Sum Takaful Amount.
  • Terminal Illness Benefit: This built-in accelerated benefit pays a Sum Takaful Amount equal to the Death Benefit Sum Takaful Amount if you are diagnosed with a terminal illness. It ensures that any additional expenses incurred due to a terminal illness can be covered, and reduces that financial burden on dependents. Terminal Illness is defined as the conclusive diagnosis of a medical condition that is expected to result in death (God forbid) within six months of diagnosis.

Supplementary benefits:
Total Permanent Disability Benefit:
This benefit offers you a lump sum payment in case, as a result of sickness or accident (God forbid) , you are no longer able to engage in any occupation for which you are suited by reason of training, education or experience, provided it is reasonably certain that such disability will persist throughout your lifetime.

Critical Illness Benefit:

Upon diagnosis of a covered critical illness, Al Hilal Takaful will pay a lump sum amount contributing towards the added financial costs associated with critical illnesses like medical bills, long term healthcare, or even your childcare expenses.
This benefit covers 37 illnesses:

  1. Cancer
  2. Stroke
  3. Heart attack
  4. Coronary Artery By-pass Surgery
  5. End –Stage Renal Disease (Kidney Failure)
  6. Major Organ Transplant
  7. Heart Valve Surgery
  8. Surgery of the Aorta (Aorta Graft Surgery)
  9. Multiple Sclerosis
  10. Idiopathic Parkinson’s Disease (before age 65) (Parkinson’s Disease)
  11. Motor Neurone Disease
  12. Paralysis of limbs
  13. Loss of Limbs
  14. Profound Vision Loss – irreversible (Blindness)
  15. Coma
  16. Deafness (Loss of hearing)
  17. Loss of Speech
  18. Third-degree Burns (Severe Burns)
  19. Severe Rheumatoid Arthritis
  20. Benign Brain Tumour
  21. HIV infection due to Transfusion of Blood Products (HIV through blood transfusion)
  22. HIV Infection caught at work in an eligible occupation (Occupationally Acquired HIV)
  23. Poliomyelitis
  24. Bacterial Meningitis (Meningitis)
  25. Acute Viral Encephalitis (Encephalitis)
  26. Primary Cardiomyopathy (Cardiomyopathy)
  27. Aplastic Anaemia
  28. Primary Pulmonary Hypertension
  29. Systemic Lupus Erythematosus
  30. Major Head Trauma
  31. Chronic Lung Disease (End Stage Lung Disease)
  32. Severe Liver Disease (Terminal Liver Insufficiency)
  33. Sporadic Creutzfeld-Jacob Disease (Creutzfeld-Jacob Disease)
  34. Systemic Scleroderma (Progressive Scleroderma)
  35. Persistent Vegetative State (Apallic Syndrome)
  36. Necrotising fasciitis
  37. Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease)


  • Competitive plan for (NRI) Non-Resident Indians residing in Bahrain & Kuwait
  • Portable plan to HDFC Life Insurance Company in India
  • Five Year Renewable Term plan
  • Critical Illness Benefit covering 37 diseases
  • Terminal Illness Benefit
  • Death Benefit and terminal illness age at maturity up to age 75
  • Critical Illness age at maturity up to age 70 years old

3 Reasons why you must buy this plan

Portability option for NRIs

Competitive Rates

Guaranteed Renewability

The Top 5
Questions People Ask us

We looked at the most commonly asked questions and answered them for you.

The Top 5
Questions People Ask us

We looked at the most commonly asked questions and answered them for you.

A Life insurance policy is an affordable way to give you and your family members peace of mind, knowing that they will be protected in the unfortunate event of your death or disability. You will no longer have to worry about their financial future and can rest assured knowing they will be able to continue their current lifestyle.

The best time to start saving is Now. The sooner you start saving, the better the chances are your plan value will have the sufficient amount you will need in the future. We generally have fewer expenses at the earlier stage of our life, however as we grow older we accumulate more responsibilities and accordingly expenses tend to rise, so it would be easier for us to meet those increased expenses if we start saving as early as possible. In addition, starting to save early in life creates a positive habit of saving first then spending whatever remains of disposable income.

It depends on your income, liabilities and dependents. Generally, it should be at least 10-15 times of your annual income

The biggest benefit of investment being linked to insurance is that the plan provides a protection advantage. In the event death or disability occurs (God forbid), your savings might not be adequate to meet the dreams you had for the future. Thankfully insurance helps with that; with Death or Disability benefits offered, this will help meet the real purpose of the plan: your dream.

Saving & Protection plans can be for the purpose of Education, Regular Savings, Wedding, or Retirement, and they offer a number of benefits, such as

  • Long term Commitment: Encourages you to save consistently towards a future goal, be it a better education for your children, buying a house or starting a business, saving for your child or grandchild’s wedding or even saving towards your retirement. These plans also provide you with the flexibility to choose the mode of payment and frequency.
  • Takaful Death Benefit: God forbids in case of death, the protection element in these plans ensures that your future goal you had set for your children is still met. In case you had selected a retirement plan, you can rest assured that a lump sum will be paid out to your family for financial security.
  • Choice of Investment Strategy: Range of investment strategies are available that you can choose from based on your risk appetite.
  • Indexation: Helps your savings be protected against inflation

Let us help you plan for your better future!

Share your Basic Details and we will arrange a call back for you.

Bahrain Regional Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

Office 41, 4th Floor, Building No 2080, Seef Tower, Road No 2825, Al Seef 428, P.O Box 5832, Manama, Kingdom of Bahrain.

+973 1758 9800

Kuwait Branch Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

10th floor, February 25 Tower, Khalid Bin Alwaleed St., Share, Kuwait City, Kuwait.

(+965) 2294 2663