Zurich Investment Plan vs MetLife Investment Plan: Which Is Better in UAE?
If you’re an expat or NRI living in the UAE and planning long-term wealth creation, you’ve likely come across Zurich investment plan vs MetLife investment plan. Both brands are well-known and globally trusted, and offer flexible savings and investment solutions. However, which one actually suits ...read more
4.6/5
35,162
ReviewsInsurance Partners
Trusted Customers
Policies Sold
Get AED 1 Million Returns*
Quick Overview: Zurich Investment Plan vs MetLife Investment Plan
| Feature | Zurich Investment Plans | MetLife Investment Plans |
|---|---|---|
| Company Origin | Zurich, Switzerland | USA |
| UAE Presence | Strong retail & expat base | Strong retail & corporate base |
| Focus | Pure investment + wealth creation | Investment + strong protection |
| Investment Style | Fund-based global investing | Strategy-based portfolios |
| Currency Options | AED, USD, GBP, EUR | Mostly USD |
| Suitable For | Long-term disciplined investors | Investors wanting protection + investment |
Key Difference in Simple Words
Best Investment Plans in UAE
Some of the best Investment quotes in UAE & Dubai are:
What Do Zurich Investment Plans in UAE Offer?
Zurich is known for its international investment system and long-term structured savings solutions. Its investment plans are designed for investors who prefer professional fund management over DIY investing. In the UAE, Zurich focuses mainly on —
- Lump sum investments
- Medium-to-long-term wealth accumulation
- Global multi-fund diversification
- Portfolio-based investing rather than stock trading
Major Zurich Investment Plans in UAE
|
Plan Name |
Type |
Minimum Investment |
Best For |
|---|---|---|---|
|
Simple Wealth |
Lump sum |
USD 15,000 |
First-time investors |
|
Wealth Accumulation Plan (WAP) |
Lump sum |
USD 30,000 |
Experienced investors |
|
International Wealth Account (IWA) |
Lump sum / 12-month funding |
USD 60,000 |
High-value investors |
|
Regular Savings Plan (RSP) |
Monthly |
USD 300/month |
Retirement, education |
|
Global Choice |
Monthly |
USD 500/month |
Disciplined savers |
What Do MetLife Investment Plans in UAE Offer?
MetLife positions itself as a hybrid provider, offering both investment growth and strong protection benefits within the same plan.
These plans are ideal for —
- Investors who also want life, disability, and critical illness cover
- Business owners converting idle cash into investments
- Individuals planning for education + retirement with protection
Main MetLife Investment Plans in UAE
|
Plan Name |
Type |
Minimum Investment |
Best For |
|---|---|---|---|
|
Investor Advantage |
Short-pay + long invest |
USD 30,000/year (1 year) |
Business owners, bonus investments |
|
International Wealth Builder (IWB) |
Monthly to annual |
USD 2,400–4,800/year |
Goal-based investors |
|
Future Protect |
Protection-led |
Depends on cover |
Families needing strong protection |
Inclusions & Exclusions of Zurich vs MetLife: Which is Better?
✔️What Does a Zurich Investment Plan Include?
|
Category |
Coverage |
|---|---|
|
Investment Access |
Global mutual fund investments across multiple asset classes |
|
Currency Options |
Multi-currency portfolios — AED, USD, GBP, EUR |
|
Death Benefit |
101% of the policy value payable to nominee on most plans |
|
Portfolio Management |
Portfolio rebalancing & free fund switching |
|
Liquidity Options |
Partial & full withdrawals (subject to plan terms) |
❌ What Zurich Investment Plans Do NOT Include?
|
Category |
Not Covered |
|---|---|
|
Medical Insurance |
No hospital, OPD, or treatment coverage |
|
Disability Income |
No monthly income if you become disabled |
|
Critical Illness Cover |
No lump sum payout for cancer, heart attack, and so on |
|
Hospital Cash Benefit |
No daily income during hospitalisation |
Zurich is a pure investment platform. It usually does not offer protection-heavy products.
✔️What Does a MetLife Investment Plan Cover?
|
Category |
Coverage |
|---|---|
|
Life Insurance |
Single & joint life cover options |
|
Critical Illness |
Lump sum payouts for major illnesses |
|
Disability Income |
Regular income in case of disability |
|
Hospital Cash |
Weekly income during hospitalisation |
|
Accidental Death |
Enhanced payout for accidental loss of life |
|
Medical Support |
Second medical opinion from global specialists |
|
Healthcare Savings |
UAE healthcare discount cards for optical, dental & pharmacy |
❌ What MetLife Investment Plan Does NOT Include?
|
Excluded Scenarios |
Why This Matters |
|---|---|
|
Suicide (First 2 Years) |
No claim payout during the initial waiting period |
|
War-Related Claims |
Only payable if war cover add-on is selected |
|
Sanctioned Countries |
Policies become restricted if residing in banned regions |
|
Early Withdrawals |
Frequent withdrawals reduce final investment corpus |
MetLife is much stronger in protection but slightly more complex in structure.
Add-Ons of Zurich Investment Plan vs MetLife Investment Plan
|
Add-On Category |
Zurich Investment Plans |
MetLife Investment Plans |
|---|---|---|
|
Fund Switching |
✅ Available – switch between global mutual funds |
✅ Available – shift between Conservative, Balanced & Aggressive strategies |
|
Portfolio Redirection |
✅ Allowed – redirect future contributions |
✅ Allowed – reallocate investment strategy anytime |
|
Currency Changes |
✅ Multiple currencies – AED, USD, GBP, EUR |
❌ Mostly USD-based |
|
Enhanced Death Benefit |
✅ Available for a limited period |
✅ Available with higher accidental cover |
|
Critical Illness Rider |
❌ Not available as a core rider |
✅ Available up to USD 1 million |
|
Accident Protection |
❌ Not available |
✅ Included as optional rider |
|
Waiver of Premium |
❌ Not standard |
✅ Built-in on most plans |
|
Disability Cover |
❌ Not available |
✅ Permanent & partial disability payouts |
|
International Health Cover |
❌ Not offered |
✅ Available as optional add-on |
|
Medical Cash Benefits |
❌ Not included |
✅ Hospital cash & treatment benefits |
Verdict
- Zurich is ideal for investors who already have separate health and life insurance, and want clean, flexible investment customisation only.
- MetLife clearly wins in add-on flexibility and protection layering. This makes it better suited for families, breadwinners, and risk-averse investors in the UAE.
Zurich vs MetLife Investment Plan Benefits
|
Category |
Zurich Investment Plan |
MetLife Investment Plan |
|---|---|---|
|
Core Focus |
Pure wealth creation through global investments |
Wealth creation plus insurance protection |
|
Investment Access |
Access to top global fund houses |
Market-linked investment strategies |
|
Cost Structure |
Lower long-term cost structure |
Higher cost due to built-in protection |
|
Plan Design |
Investment-only structure |
Hybrid structure (investment + insurance) |
|
Goal Suitability |
Ideal for retirement & property goals |
Suitable for savings + family security goals |
|
Currency Advantage |
Excellent for AED & USD investing |
Mostly USD-based investing |
|
Insurance Coverage |
No built-in protection |
Built-in life, disability & health benefits |
|
Bonuses |
No bonuses |
Regular bonuses on selected plans |
|
Withdrawals |
Flexible partial & full withdrawals |
4 free partial withdrawals per year |
|
Premium Flexibility |
Flexible contribution model |
Multiple premium payment modes |
|
Family Security |
Not designed for family protection |
Strong family protection + capital growth |
|
Best Suited For |
Investors who already have insurance and want pure long-term wealth creation |
Breadwinners and families who want safety + savings together |
Zurich vs MetLife Returns & Charges
|
Feature |
Zurich |
MetLife |
|---|---|---|
|
Upfront Charges / Premium Load |
~ 5% establishment charge (deducted across first 2–3 years depending on the plan) |
4.5% to 5% premium load on regular or excess premiums (varies by product) |
|
Annual Management Charge (AMC) |
~ 1% to 1.5% annually on funds depending on policy and fund choice |
1.44% M&E in initial months, gradually reducing to 0.48% for long-term holders (IWB) Investor Advantage: 1.5% first year, then 0.9%–1.5% depending on portfolio value |
|
Policy / Admin Charges |
Monthly policy charge on some plans (e.g., USD 15/month if value < USD 60k) |
Additional policy admin charge such as 0.25% per month of account value (varies by plan) |
|
Other Fees |
Possible switching/currency conversion fees depending on plan |
Surrender charges applicable in early years + fund-level fees |
|
Returns Expectation (Net of Charges) |
Better long-term return potential due to lower ongoing charges and investment-only structure |
Returns may be lower in early years due to layered premium load + admin + M&E charges |
|
Impact of Early Exit |
Early exit reduces returns due to establishment charges |
More severe impact: multiple early-year charges + surrender fees can significantly reduce value |
|
Long-Term Cost Efficiency |
Higher: charges flatten and become smaller relative to portfolio |
Moderate: costs reduce over time but still higher due to bundled insurance components |
- Zurich wins on net returns (lower fees, investment-only model)
- MetLife costs more, but offers extra insurance features, so net investment returns may be lower unless held long-term
Which One is Better: Zurich vs MetLife Savings Plan Comparison?
|
Investor Type |
Better Choice |
Why |
|---|---|---|
|
First-time investor |
Zurich Simple Wealth |
Low entry, simple structure |
|
Monthly disciplined saver |
Zurich RSP / Global Choice |
Long-term compounding |
|
High net-worth investor |
Zurich IWA / WAP |
Lower long-term costs |
|
Family protection + savings |
MetLife IWB / Future Protect |
Built-in insurance |
|
Business owner with bonus funds |
MetLife Investor Advantage |
Short-pay, long-invest |
|
Risk-averse investor |
MetLife Conservative Strategy |
Protection-backed |
Final Verdict
- Choose Zurich if your only goal is wealth creation and minimal insurance interference
- Choose MetLife if you want investment + financial protection together with built-in bonuses and income protection
Who Should Avoid These Plans?
You should avoid both Zurich & MetLife if —
- You want short-term profits (below 3 years)
- You prefer day trading or stock picking
- You panic during market volatility
- You need instant liquidity
These plans are strictly for medium to long-term investors (5–25 years).
Your choice should depend on —
✅ Your income stability
✅ Your family responsibilities
✅ Your risk tolerance
✅ Your investment horizon
Still not sure which investment plan suits your goals: Zurich or MetLife?
So, compare Zurich vs MetLife Investment Plans now and get a personalised investment roadmap in minutes! |
|---|
Disclaimer: The comparison on the page is for informational purposes only and does not constitute insurance or investment advice.
Frequently Asked Questions
What is the main difference between Zurich and MetLife investment plans in the UAE?
The biggest difference is that Zurich is a pure investment platform, while MetLife combines investment with life, disability, and critical illness protection. Zurich suits investors who want lower charges and higher long-term returns. MetLife, meanwhile, is ideal for families and breadwinners who want protection + savings in one plan.
Is Zurich investment plan good for expats in the UAE?
Yes. Zurich is popular among UAE expats because it offers multi-currency investing (AED, USD, GBP, EUR), global fund access, flexible withdrawals, and a clean investment-only design.
Is MetLife investment plan worth it for long-term savings?
MetLife is worth it if you want a mix of goal-based savings + family protection. Plans like International Wealth Builder (IWB) provide bonuses, life cover, disability protection, and market-linked returns, making it ideal for long-term financial security.
Zurich vs MetLife: Which one gives better returns?
Zurich typically provides higher net returns because its charges are lower and there are no insurance costs built into the premium. MetLife returns can be lower in the initial years due to premium loads, M&E charges, and admin fees — but it compensates with insurance benefits.
Which savings plan is better for families in the UAE: Zurich or MetLife?
Families generally prefer MetLife because it offers life cover, critical illness payouts, disability protection, hospital benefits, and second medical opinion. Zurich does not include these. However, the final choice depends on your specific requirements.
Which plan is best for investors who already have insurance?
If you already have separate life and health insurance, Zurich might be the better choice. It keeps costs low and focuses entirely on long-term wealth creation.
Are Zurich and MetLife plans Shariah-compliant?
Both providers offer Shariah-compliant fund options, but availability depends on the specific plan. Always check the fund list before signing.
Can I withdraw money early from Zurich or MetLife plans?
Zurich allows partial withdrawals depending on the plan. MetLife, on the other hand, allows 4 free withdrawals per year. Note that early surrender may reduce corpus due to charges.
Are the returns guaranteed in Zurich vs MetLife savings plans comparison?
No. Both Zurich and MetLife offer market-linked investment plans, meaning returns depend on market performance. However, MetLife may include bonuses in some plans that can improve long-term value.
Which is more flexible: Zurich or MetLife?
Zurich is more flexible in terms of fund switching, currency changes, withdrawals, and contributions. MetLife is more flexible in add-ons and protection riders, not currency or fund selection.
Aashima Mongia
More From Investment
- Recent Articles
- Popular Articles
Last Updated : 30 Jan 2026Indian Rupee Hits Record Low Against UAE DirhamIndian rupee hits record low near ₹25 per UAE dirham. Understand what this means for UAE NRIs, remittances, investments, and smart money planning.
Last Updated : 28 Jan 2026How to Invest $1,000 in the UAE (Beginner-Friendly Guide 2026Wondering how to invest $1,000 in the UAE? Learn the best ways to invest 1000 dollars using ETFs, robo-advisors, SIPs, and low-risk options for long-term growth.
Last Updated : 22 Jan 2026How to Make Money Online in UAE & Dubai: Legal & Proven WaysLearn how to make money online in UAE and Dubai legally. Explore freelancing, side hustles, passive income ideas, and smart investing for long-term wealth.- Last Updated : 21 Jan 2026ETF vs CFD: Difference, Risks & Which Is Better for InvestorsETF vs CFD explained in simple terms. Learn the difference between ETF and CFD, risks, leverage, costs, and which option suits UAE investors best.
Last Updated : 21 Jan 2026ETF vs Stocks: Difference, Returns & Which Is Better for InvestorsETF vs stocks explained simply. Learn the difference between stocks and ETFs, risks, returns, and which option is better for beginners and long-term investors.
Last Updated : 15 Jan 2026UAE Visa Updates 2026: New Golden Visa Rules, Visit Visas & Who BenefitsUAE visa updates 2026 explained. New Golden Visa categories, visit visas, AI renewals, sponsorship rules & benefits for Indians and professionals.
Last Updated : 14 Jan 202610 Best Mutual Funds in UAE to Invest to Right NowDiscover the top 10 best mutual funds in UAE and Dubai for 2026. Compare performance, features, and find the best mutual fund investment in UAE for your goals.
Last Updated : 14 Jan 202615 Best Short Monthly Investment Plan in UAE with High ReturnsRecurring Deposits (RDs) are among the best monthly investment plans in UAE for those who prefer to save consistently over time.
Last Updated : 12 Dec 2025Top 10 Best Trading Platforms in UAE for Beginners and Experts (2026)Explore the 10 best online trading platforms in the UAE, including eToro, Plus500, and Interactive Brokers. Learn about their features, benefits, and safety measures for both beginners and seasoned traders.
Last Updated : 10 Dec 2025 How to Invest AED 10,000 in UAE to Multiply Your Money?Explore the best investment plans in UAE's thriving market to invest your AED 10000 to help you turn your savings into a profitable venture.
Last Updated : 14 Jan 2026National Bonds in UAE Discover the benefits of National Bonds in UAE. Learn how to invest in National Bonds in Dubai, their features, and why they are a secure investment option.
Last Updated : 06 Jan 2026Top 5 SIP Plans for Smart Investing Discover the top 5 SIP plans for smart investing in the UAE. Explore the best mutual funds for SIP investments and make informed financial decisions.
