Get the best life insurance in Dubai, UAE, with InsuranceMarket.ae
Looking for trusted life insurance in Dubai, UAE? You’ve come to the right place. Life is full of uncertainties, but your family’s financial future doesn’t have to be one of them. A reliable read more...
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What is life insurance in Dubai, UAE?
Life insurance in Dubai, UAE, is a financial protection plan designed to support your family during your untimely death. It provides a lump sum payout, also known as the death benefit, to your nominated beneficiaries, helping them manage essential expenses such as daily living costs, children's education, outstanding debts, or funeral costs. This type of insurance makes sure that your loved ones remain financially stable even when you can no longer support them. Whether you’re a salaried professional, business owner, or freelancer, life insurance offers peace of mind and long-term security.
Different types of life insurance plans in the UAE
Term Life Insurance
This is one of the most affordable and straightforward options. Term life insurance provides coverage for a fixed period—such as 10, 20, or 30 years. If the policyholder passes away during the term, a lump sum is paid to the beneficiaries. It’s ideal for those looking for high coverage at low premiums.
Whole of Life Insurance
As the name suggests, this policy provides lifetime coverage. In addition to a guaranteed payout, it also builds cash value over time, which can be used for loans or future financial needs. Whole life insurance is suitable for long-term financial planning.'
Endowment plans
These plans combine insurance coverage with savings. A portion of your premium goes toward life coverage, and the rest is invested. If the policyholder survives the policy term, they receive a maturity benefit. It’s a good choice for saving towards milestones like a child’s education or marriage.'
Critical Illness Cover
This plan provides financial support if the policyholder is diagnosed with a serious illness such as cancer, stroke, or heart disease. It helps cover treatment costs and ensures your family’s finances are not impacted during recovery.'
Family Takaful (Islamic Life Insurance)
Family Takaful is a Sharia-compliant insurance plan based on mutual support and community participation. It provides financial protection aligned with Islamic values through a Waqf or Tabarru’ model, where members contribute to a common fund. After claims and expenses, surpluses may be ethically reinvested or shared with members, promoting cooperation and risk-sharing in line with Islamic finance principles.'
Choosing the right type of life insurance plan in the UAE depends on your life stage, financial goals, and protection needs. Consulting with our insurance advisor who can help you make an informed decision.
What additional cover options and upgrades are available in your life insurance policy?
Whilst a life insurance policy provides many invaluable benefits as “standard”, it doesn’t cover every eventuality in its core benefits since different people have different needs. That’s why many insurers offer a range of additional covers for customers to choose from. These include benefits such as:
Critical illness benefit:
A positive diagnosis for a potentially life-changing or life-threatening condition could severely affect your family. This benefit ensures a lump sum is paid to you upon diagnosis, so you have one less thing to worry about.
Family income:
Life insurance helps you plan for your family’s future in the event you’re no longer around to help provide and care for them. This benefit allows you to provide a regular series of payments to your family for a specified time.
Hospitalization:
This is an additional payable benefit if you were hospitalized for 4 consecutive days or more.
Funeral coverage:
This cover allows your family to have the needed financial resources to plan your funeral with an advance of US$ 7,500 to cover funeral expenses.
What does life insurance in the UAE cover?
Coverage varies depending on the type of life insurance policy you choose. In most cases, life insurance provides financial protection against key risks such as death and permanent disability. Many plans can also be enhanced with additional benefits, such as critical illness cover, which offers a payout during your lifetime if you're diagnosed with a serious medical condition. Some policies may even include a savings or investment component, helping you grow your wealth while staying protected. The best part? Life insurance in the UAE is highly customizable—giving you the flexibility to tailor the policy according to your personal goals, family needs, and future plans. Plus, all life insurance products are regulated and approved by the Central Bank of the UAE (CBUAE), so you can count on strong consumer protection and financial standards
What is not covered under your life insurance policy?
Life insurance policy is designed to offer financial protection against life’s uncertainties, there are certain situations where the insurer may reject a claim. These are usually related to policy exclusions or breaches in disclosure. Understanding these exceptions is crucial to ensure your coverage remains valid and your beneficiaries are protected. Here are common reasons a life insurance policy claim may be denied:
Suicide within the waiting period:
If the policyholder’s death is caused by suicide, the insurer may reject the claim based on policy terms and may refuse to pay out the death benefit to your beneficiaries. Always review the suicide clause in your policy documents.
Non-disclosure of important information:
Life insurance relies heavily on accurate information. If you fail to disclose key facts—such as a pre-existing medical condition, incorrect age, or family medical history—the insurer has the right to deny the claim. Intentional misrepresentation or omission of facts is considered a breach of contract.
Why choose life insurance in Dubai with InsuranceMarket.ae
At InsuranceMarket.ae we firmly believe we provide an unmatched customer experience and trust our members recognize that as well! Here are just 5 reasons why:
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Best pricing
Competitive prices and comprehensive products providing the cover you need at a price you can afford from the insurers you can trust
Rewards
Great value-added services such as discount vouchers that are sent with your policy: you just keep on saving with Alfred!
Top rated insurance platform
Over 23,000 Google reviews and 4.8 rating: customer satisfaction is our number one priority and we’ve got the feedback to prove we deliver!
Dedicated insurance advisors
To help answer your questions and help you with your car insurance purchase and guide you in the process
Reliable
Responsive, reliable and dedicated claims manager to offer advice, reassurance and assistance when you need it most
Get the life insurance quotes from the top insurers in Dubai and the UAE
Established in 1995, InsuranceMarket.ae stands as a beacon of trust and excellence in Dubai and the UAE insurance sector. Our deep-rooted relationships with premier insurers like AXA (now GIG Gulf), RSA, Oman (now Sukoon), QIC, and Tokio Marine, among others, are a testament to our unwavering dedication. With our esteemed partnerships and stellar reputation, we proudly present you with superior coverage options and exclusive benefits, guaranteeing optimal value in the market.
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How can I get a low cost life insurance policy?
There's no one-size-fits-all solution when it comes to getting value for money on life insurance in Dubai, UAE—but there are smart steps you can take to make sure you're getting the most for your dirhams. Our expert, Alfred, shares a few helpful tips to guide you:
Buying life insurance policy in a rush can lead to expensive mistakes. Take the time to explore your options and compare policies carefully. Rushing into the first deal you see might mean paying more for less coverage—or missing out on better benefits within your budget.
Why go it alone when you can get expert help at no extra cost? At InsuranceMarket.ae, our experienced insurance advisors do the heavy lifting for you—comparing policies, identifying the best deals, and tailoring coverage to your needs. It’s a smart and simple way to save both time and money.
Being budget-conscious is wise, but choosing a life insurance policy based on price alone can backfire. If your coverage is too limited, you may be left unprotected when it matters most. Our team helps you strike the perfect balance between affordability and adequate protection—so you get real value without compromising on coverage.
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How to compare life insurance quotes?
Let Alfred help you compare life insurance with lightning fast service
Life insurance doesn't have to be complicated, and making the right choice starts with having the right options. That's why at InsuranceMarket.ae, we don't just give you one quote—we send you at least three tailored life insurance quotes to compare. More options mean better decisions. Once you receive your quotes, here are our top 3 expert tips to help you choose wisely:
Take a close look at what each policy actually covers. Don't compare apples to oranges—make sure you're evaluating similar coverage features so you can spot real differences in protection, benefits, and exclusions.
If you've held a life insurance policy before, compare the new quotes to your previous plan. Are you getting more coverage or less? Check for any added-value features like optional riders, built-in benefits, or bonus perks such as wellness services or discount programs.
It's tempting to focus on the premium first—but hold off. Understand the coverage and benefits first, then look at the cost. This way, you're comparing value for money rather than just picking the cheapest plan. And remember: those added extras may not come with a price tag, but they still add real value.
What do I need to get a life insurance quote?
Getting a quote with us is a smooth and simple process. Just provide us with some essential contact details (name, phone number, and email), a few pieces of personal information and let us find the right life insurance policy for you. Typical details required include:
Purpose of the insurance: death benefit, income replacement, saving, etc.
Marital status and number of children/dependents.
Tenure of the insurance: fixed term or whole of life.
Whether or not you’re a smoker.
The level of financial cover you require (sum insured).
Who needs life insurance in Dubai and the UAE?
Working Professionals
- Protects family income
- Covers daily expenses
- Secures loan repayments
Expats in the UAE
- No local pension benefits
- Supports family back home
- Offers financial stability
Parents with Dependents
- Secures children's education
- Covers childcare costs
- Ensures long-term support
Homeowners with Mortgages
- Pays off outstanding loan
- Prevents property loss
- Eases financial burden
Business Owners and Freelancers
- Replaces lost income
- Covers business debts
- Supports succession planning
Non-Residents and Cross-Border Workers
- Ideal for expats employed in the UAE but living elsewhere in the GCC
- Helps support families abroad
- Some plans may require a valid UAE residency or visa status
High Net-Worth Individuals
- Strategic tool for succession planning
- Protects estate and family legacy
- Enables offshore trust integration with bespoke planning
Working Professionals
- Protects family income
- Covers daily expenses
- Secures loan repayments
Get your life insurance in the UAE in 3 easy steps!
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Check and compare options
Browse through a selection of handpicked options for the best fit, tailored to your needs
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Reach out to your dedicated insurance advisor for assistance or queries.
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Secure your policy by purchasing and uploading the necessary documents.
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What does myAlfred offer?
As an InsuranceMarket.ae policyholder, you enjoy complimentary myAlfred premium membership. This unlocks deals from over 100+ well-known brands in the UAE. Dive into benefits and deals available from car care to personal grooming, from music lessons to shopping online or in store, from planning trips to experiencing adventures and excursions. myAlfred has got you covered every step of the way!
Payment options for life insurance in the UAE
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What our customers say about us
4.8/5
23,000+ Reviews
Aisha A
10 weeks ago
My personal Insurance Advisor, Komal Rajput, is consistently very professional and helpful. renew my policy with her every year, she is prompt with her reminders and very efficient in dealing with my enquiries. She has a very pleasant, helpful and professional attitude which is so refreshing. She is knowledgeable which has built our trust over the years. Always a pleasure dealing with Komal, thank you for making this annual renewal always so smooth.
Catherine Bascara
8 weeks ago
Thank you for being one of our reliable partners when it comes to our employee life insurance benefits option. We appreciate the service providing to us.
Alex F
22 weeks ago
Massive thanks to Santhosh (Life Insurance) and Abdul (Specialist Adventure Trip Insurance). Both provided excellent service individual support and knowledge to arrange my recently acquired policies. Great communication and feedback during the policy selections. Post payment support still on demand whilst trying to access documents. Thanks to both (IM UAE office). Alex
Денис Карасев
a week ago
This is a great company to deal with! Team is very friendly. Very organized and polite. Very patient. I visited their office few times and each visit I spent few hours with them asking 100s questions and I got answer on each of them. I recommend this company to everyone! My special thanks should be directed to Ms. Kristelle Santillan, who is a very professional manager that explained to me everything in detailed. She helped me to choose the best insurance package that suits exactly to my family needs! Amazing work! Amazing team!
Natalia Aleksandrova
a month ago
I was assisted by Gloria. She is a very helpful and friendly professional. She clearly explained the process and answered all my questions. I didn't have to wait for ages for email replies comparable with other providers. Very happy that we chose Insurance Market for our company. Highly recommended!
Alisha Perri
a week ago
been using them for 4 years. Great service. Very quick with providing information.
Find the best deals on your life insurance in Dubai, UAE with Alfred
Finding the right life insurance policy in Dubai, UAE at the right price has never been simpler. At InsuranceMarket.ae, our friendly and knowledgeable team of insurance advisors acts as your personal guide—walking you through available options, explaining costs clearly, and helping you choose a plan that fits both your lifestyle and your budget. From the moment you start your journey with us, you'll experience real value. Thanks to our strong partnerships with all the leading life insurance providers in the UAE, we're able to offer competitive rates and top-quality coverage you can trust. But that's not all—we go the extra mile to give you more. When you buy a life insurance policy with Alfred, you'll also receive exclusive money-saving vouchers from our local business partners. From car accessories and grooming services to accident repairs, music lessons, and more—you'll enjoy a wide range of value-added perks you won't find anywhere else.
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Life insurance guides
Life insurance policy - frequently asked questions
1. What is life insurance, and why do I need it in the UAE?
2. Who needs life insurance in the UAE?
3. Is life insurance available for expats in the UAE?
4. How much life insurance coverage should I choose?
5. What factors affect life insurance premiums in the UAE?
6. Can I have more than one life insurance policy in the UAE?
7. Are life insurance payouts taxable in the UAE?
8. Can I cancel my life insurance policy in the UAE?
9. What is the minimum age to buy life insurance in the UAE?
10. Is medical testing required for life insurance in the UAE?
11. Can I update my beneficiary details later?
12. What happens if I stop paying premiums?
13. Are life insurance policies in the UAE Sharia-compliant?
14. Can I include critical illness or disability coverage in my life insurance plan?
15. What documents are needed to apply for life insurance in the UAE?
16. How long does it take to get a life insurance policy issued?
17. Can I take a loan against my life insurance policy?
18. Will my UAE life insurance cover me if I'm abroad?
19. Is joint life insurance available for couples in the UAE?
20. Can I switch my life insurance provider in the UAE?
21. Can I buy life insurance online in the UAE?
22. Does life insurance cover accidental death?
23. What is a life insurance rider, and should I add one?
24. Is there a waiting period before life insurance coverage starts?
25. Can I nominate anyone as a beneficiary in the UAE?
26. What happens if my life insurance policy lapses?
27. Can I change my life insurance plan later?
28. Does life insurance cover pandemics or COVID-19-related deaths?
29. How is the life insurance premium calculated?
30. Is group life insurance from my employer enough?
Get life insurance quotes in Dubai & the UAE
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