In the UAE, where life moves quickly and many expatriates reside, young people are increasingly taking charge of their futures with informed decisions. This empowerment is evident in one2025-a of the most significant trends of 2025? There has been a noticeable rise in the number of young people investing in Term Life Insurance. Whether you’re a local Emirati, a South Asian expat, or a young professional building a life in Dubai or Abu Dhabi, it’s time to understand why term life insurance in the UAE is no longer just a ‘grown-up thing.’
The Shift: Why Young UAE Residents Are Choosing Term Life Insurance
Historically, life insurance in the UAE was often purchased by older adults, typically after marriage or the birth of children. But 2025 tells a different story. More young adults (ages 22–35) are taking action earlier, and here’s why:
- Post-pandemic awareness: COVID-19 has significantly altered the world’s perspective on health and financial security, making the need for term life insurance more pronounced than ever.
- Lifestyle illnesses are on the rise. More young people have diabetes, hypertension, and heart problems. This trend is about.
- Affordability: Younger individuals typically qualify for lower premiums and more favourable policy terms, making term life insurance a financially savvy and responsible choice.
- Digital access: Online insurance platforms make buying coverage easy from your phone.
- Employer limitations: Many young people realise that employer-provided insurance isn’t always enough, especially when switching jobs frequently.
What Is Term Life Insurance & How Does It Work?
Term Life Insurance is straightforward. You pay a set premium for a specific term, such as 10, 20, or 30 years. If you die during that term, your beneficiary receives a tax-free lump sum. It’s that simple.
Unlike whole life or investment-linked insurance, term life is pure protection. You don’t build cash value, but you get high coverage for a low cost.
Example: A 25-year-old healthy male non-smoker in Dubai can get AED 500,000 in coverage for just AED 35–50/month.
Top Reasons Why Buying Young Saves You Money
- Lower Premiums: Your age and health status are key factors in determining your premiums. The younger and healthier you are, the lower your premium will be.
- Locked-In Rates: Once you buy a policy, your rate remains fixed. This means that even if your health changes at 30 or 35, your premium stays the same, which can save you a significant amount of money over the life of the policy.
- Early Planning = Peace of Mind: If you have student loans, financial dependents, or even parents you want to protect, this is smart Planning that brings a sense of reassurance and security. For instance, if you have a student loan, term life insurance can ensure that your family isn’t burdened with the debt if you were to pass away.
Example Comparison:
Age Monthly Premium (AED) for AED 500,000 Coverage 25 35–50 35 70–90 45 130–150
What Young People in the UAE Are Saying
A quick look at Reddit forums and expat Facebook groups shows increasing interest in life insurance:
- “I never thought I’d need it at 28, but after COVID and seeing a friend hospitalised, I bought my policy online in 15 minutes.” — Akash, 29, IT Engineer
- “I got married last year and wanted to protect my wife. AED 45/month felt worth it.” — Fatima, 27, School Teacher
Digital Access: How Easy Is It to Buy Term Life Insurance in the UAE?
It’s easier than ever—platforms like InsuranceMarket.ae offer instant quotes, online applications, and medical-free policies for eligible individuals.
No paperwork. No agent hassle. No long waits.
You can even use WhatsApp to talk to advisors, upload your Emirates ID, and get covered within 24–72 hours.
Is It Necessary If You’re Young and Healthy?
Here’s why:
Short answer: Yes.
- Emergencies don’t discriminate by age.
- Protecting your family financially is a responsible, not fearful, approach.
- If you’re planning a business or have a co-signed loan, life insurance protects your partners and their interests.
- Youth doesn’t last forever; insurance doesn’t get cheaper with age.
What Should You Look for in a Term Life Policy?
- Coverage Amount: Choose a payout that could replace 5–10 years of your salary. This amount should be enough to cover your financial responsibilities, such as loans, and to provide for your family’s future needs.
- Policy Term: 20–30 years is ideal for young people.
- Add-ons: Some plans include critical illness riders. These pay out if you are diagnosed with serious conditions, such as cancer or heart disease.
- Choose trusted providers, such as Zurich, MetLife, Orient, or Sukoon (before Oman Insurance).
Tips for Young Buyers
- Compare quotes: Don’t settle for the first offer. Use platforms to compare.
- Be honest in your application: Hiding health issues can lead to denied claims later.
- Don’t wait until you have kids: Protecting your future starts before that.
- Review your coverage annually to ensure it still aligns with your goals.
Final Thoughts: Don’t Wait for a Wake-Up Call
Buying term life insurance in UAE when you’re young is smart. It’s not just about death. It’s also about taking care of your family and planning for the future.
In 2025, young people in Dubai and the Emirates are changing. They are transitioning from short-term thinking to focusing on a strong and secure future. If they can do it, so can you.
