Term Insurance Plans in UAE
Term insurance plans in the UAE present a simple and affordable way to protect your family’s future financially. You get a high life cover at low premiums, meaning that your loved ones can manage expenses, liabilities, and long-term goals even in your absence. If you’re looking for pure protection ...read more
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Qualified Policybazaar expert will assist you What is Term Insurance in UAE, Dubai ?
Term insurance is a type of life insurance. It offers financial protection for a set period — usually between 5-35 years. In case of the death of the insured individual in the policy tenure, the insurance company pays a death benefit to the insured’s beneficiaries.
It offers a lump sum payout to your beneficiaries if you pass away during the policy term, ensuring your family is taken care of in difficult times. With flexible coverage options, you can choose the sum assured and policy length that best fits your needs.
Whether you have growing children, a mortgage, or other financial commitments, term insurance provides peace of mind knowing your family’s future is secure. Plus, premiums are typically lower than other types of life insurance, making it an accessible choice for many. It’s straightforward, reliable, and designed to give you the protection you need at an affordable price.
Best Term Insurance Plans in UAE
Here are the best term insurance quotes in UAE:
What is Covered in Term Life Insurance?
A term insurance plan is a financial security plan that offers a safety cushion to the life assured’s family in case the former passes away during the policy period. It is a pure life cover that usually offers only a death benefit.
Key Specifications of Term Life Insurance in UAE
| Particulars | Specification |
|---|---|
| Term Insurance Cost | Starting at AED 50 |
| Plan Coverage Amount | AED 1 million |
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 65-79 years depending on the insurer |
| Term Insurance Plans Tenures |
Starting 5 years to 35 years |
| Countries Covered | 190+ Countries covered |
| Coverage |
|
| Who Should Buy a Term Insurance |
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| Features & Benefits |
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| Claim procedure | Can Claim both online and offline |
| Claim Settlement Ratio | 94-98% |
Why Do You Need Term Life Insurance in UAE?
With the fast-paced lifestyle in Dubai, people’s priorities around their families, finances, and well-being are changing. This has also encouraged more people to think of term insurance as a key part of their financial planning.
Here’s a list of some common issues and how term coverage can help you tackle them —
| Reason | Description |
|---|---|
| Homes are Getting Too Costly | Rent and house prices in Dubai are still on the increase. In many cases, families move hundreds of miles away from their place of work, simply to afford to live in a house. If something unfortunate happens to you, the burden will fall on your family. With a term life policy, however, your family can afford housing and living expenses. This saves them from financial strain in an already stressful time. |
| Most People Have Loans | An increasing share of the UAE’s population borrows money to purchase housing, cars, or other items. Term insurance helps by paying the money to the family. This way, your family doesn’t have to be concerned about such payments, even if you’re not there. |
| Work Doesn’t Always Keep Up with Costs | In Dubai, you can find plenty of employment opportunities. At the same time, daily bills may grow at a faster rate than wages. A term policy can save your family from such inflation stresses — they will be okay even in unfortunate circumstances. |
| Health Issues at Younger Ages | Due to a sedentary lifestyle and less mobility, even young people are facing health problems like heart disease. In the aftermath of COVID-19, more and more families now think: “What if something happens to me?” That's where term life insurance becomes a ray of hope to feel safer. |
| Expats Need Extra Protection | Most people in Dubai are expats (foreigners). Term cover helps by giving the family money immediately. As a result, they can continue living there and maintain their lifestyle. |
| Hospitals Cost a Lot | Even with health cover, treatment in a private hospital in the UAE can be expensive. When you fall seriously ill, it can hit the family savings. However, most term life plans come with the option of critical illness cover. This pays out a lump sum if you’re diagnosed with a critical illness. With the sum assured, you can meet your debts and maintain your family’s lifestyle. |
| Families Who Prepare Ahead | All parents wish to save for their children. But if something goes wrong, it's all gone for good. That is where term insurance in Dubai comes in. It ensures that the future of your children and family is secure, even with all the uncertainty that life has in store for you. |
Compare Best Term Insurance Plans Dubai, UAE 2026
Here’s the rundown of the best term life insurance plans in UAE for your reference —
| HAYAH Term Life Protect | Zurich International Term Assurance |
|---|---|
|
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| MetLife Live Life | MetLife Live Life Now |
|
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| Sukoon Lifeguard | Orient International Term Plan |
|
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| Takaful Emarat Fixed Term | LIC Life Protect Term Plan 278 |
|
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Types of Term Life Insurance in UAE – Which One Should You Buy?
There are various types of term plans in UAE that you can choose as per your security needs and family obligations:
Level Term Insurance
Increasing Term Plan
Decreasing Term Plan
Convertible Term Insurance
How Does Term Insurance in UAE Work?
How Term Insurance Plan Works?
When Should I Purchase Term Life Insurance in UAE?
Term insurance premiums increase as you age. Buying early helps you lock in the lowest price. The mentioned figures are for a male living in Dubai who has a monthly income of AED 9,000 and is looking for AED 1 million coverage.
|
Age |
Non-Smoker* |
Smoker* |
|---|---|---|
|
20 |
AED 60–114 |
AED 73–131 |
|
25 |
AED 75–126 |
AED 93–163 |
|
30 |
AED 99–177 |
AED 141–223 |
|
35 |
AED 139–270 |
AED 223–341 |
|
40 |
AED 206–421 |
AED 354–562 |
|
45 |
AED 325–658 |
AED 562–820 |
|
50 |
AED 526–668 |
AED 897–926 |
Insight: Smokers pay far higher premiums because of elevated health risks.
*For reference only — actual premiums may vary as per your age, health conditions, and more
Best Life Stages to Buy Term Insurance
1. When You Start Earning: Financial independence begins. Premiums are the lowest.
2. Starting a Family: Your spouse depends on your income. Term insurance reduces financial stress.
3. Taking a Home Loan: The payout helps your family clear outstanding loans.
4. Moving to Another Country: NRIs in the UAE use term life insurance to protect family members back home.
Term Life Insurance Calculator
Wondering how to calculate your insurance premium? You can always use a term insurance calculator. It is a free and easy-to-use tool that helps you estimate the premium for a policy based on your specific needs.
You’ll need to provide basic details like your name, contact info, date of birth, income, gender, lifestyle habits, education, and occupation. Based on this information, the calculator recommends suitable policies and shows the approximate premium. You can then choose the coverage amount, policy term, payment frequency, and payout options.
It’s a useful way to compare options and make smart decisions, helping you choose the right policy that fits your financial goals and ensures your family’s future security.
Benefits of Term Insurance in UAE
Top 7 Benefits of Term Insurance
Features of a Term Life Insurance Plan
Who Should Buy Term Insurance in Dubai, UAE?
If you are in Dubai and have dependent individuals — whether your children, spouse, or your parents — you should take term insurance seriously. It’s an affordable way of ensuring that your loved ones have sufficient funds for life even if you’re not there.
Let's see who exactly actually needs it —
Young Professionals
Parents
Recently Married Couples
Self-Employed Applicants
Single Mothers and Working Women
If you recently entered your professional life, it is the right time to buy term insurance in UAE. Why? Because it is cheaper when you are young and below 30 years of age. It also sets you in the right habit of managing your money. It also gives you coverage at a young age, which can be useful if you take out a loan, a car, or a house later.
Kids need a lot: school, clothes, food, and a house. If you're a parent, your family depends on your income. Term life insurance protects your children and your spouse so they still have funds and income even when you're not around.
Marriage comes with its costs and responsibilities. You can start saving to buy your new car, a house where you can live, or even start planning children. By adding term insurance in Dubai, you can ensure that your spouse is not left with enormous payments alone if unfortunate circumstances arise.
If you have a business of your own, you have variable income. You also don't have insurance through your employer. Term life insurance is a safety net. At worst, your family still has funds to survive.
Nowadays, many women are sole breadwinners for their households. If you have kids and there is no other earning member in your household, your salary is even more important. Term life insurance ensures that your kids will be okay, regardless of what happens.
Mistakes to Avoid When Buying Term Insurance in UAE
1. Buying Late
Many people delay buying term insurance, thinking they can do it ‘someday’. But the longer you wait, the higher your premium gets. In fact, you may even lose eligibility for a high life cover if health issues develop.
2. Choosing a Low Life Cover
Ideally, your life cover should be at least 15–20 times your annual income. This way, your family can manage expenses, loans, and long-term goals without financial stress.
3. Ignoring Riders
For a small extra premium, riders like critical illness, waiver of premium, or accidental death benefit can offer financial support when unexpected events occur.
4. Hiding or Withholding Information
Some people skip sharing medical or lifestyle details to get lower premiums, but this can backfire. If the insurer discovers missing information during claim verification, the claim can be denied.
Example: If a smoker hides their smoking habit, the insurer can easily trace it through medical records during a claim investigation and may reject the claim entirely.
How to Find the Right Term Insurance Plan in UAE?
Here’s how you can find the best term life insurance policy for yourself —
- Compare plans from multiple insurance providers
- Check the Claim Settlement Ratio (CSR) of insurers — this figure gives the idea of the number of claims settled against the total claims received
- Understand your requirements — when getting term insurance Dubai, consider your current income and liabilities as well as your family’s needs, future plans, and more
- See how easy the claim settlement process is — go with a company that has a straightforward process so that you don’t have to rush in time of emergency
- Look for a plan that offers riders or add-ons — you can use them to increase the coverage of your term insurance UAE at nominal additional prices
How to Buy Term Insurance Online from Policybazaar.ae?
With Policybazaar.ae, getting the best term policy is just a matter of a few clicks. Here’s how we help you get the best term insurance in UAE in 5 simple steps:
When you buy term life insurance online via Policybazaar.ae, you get an additional advantage of 24x7 expert assistance to help you wherever you get stuck. Alternatively, you can visit your selected provider’s nearby office and submit your application in person.
Why Buy Term Life Insurance from Policybazaar UAE?
PB UAE Experts helps you compare the best term insurance in UAE. With our tie-ups with the leading insurers, you can also enjoy more affordable premiums. Here’s what we do —
✔ Instant Policy Issuance
Buy your term insurance online and get your policy documents immediately — no waiting, no lengthy approvals.
✔ Compare Plans from Dozens of Insurers
Instead of switching between multiple websites, you can compare premiums, benefits, features, riders, and exclusions. All done in one place!
✔ 35+ Critical Illnesses Covered
Most plans include major illnesses like cancer, heart attack, stroke, and organ failure. You can even add riders to enhance protection.
✔ Worldwide Coverage
Ideal for UAE expatriates and frequent travellers. Your family gets financial protection even if life events happen abroad.
✔ Expert Advisors You Can Talk To
If you’re unsure which plan suits your income, age, or financial goals, Policybazaar.ae advisors help you choose objectively.
How to Get Term Insurance at the Best Price?
Listed below are a few steps that you can take to get the best term insurance in UAE at affordable premiums —
- Start as early as possible: As we saw before, the younger you start, the lower your premiums. So even if you didn’t get a term life insurance policy earlier, it’s better to get it now rather than waiting for more time!
- Maintain a healthy lifestyle: Regularly exercising, maintaining optimum BMI, and others can lead to a better life (and lower premiums too!). This is because insurance providers consider your health when assessing your premiums.
- Give up smoking: Besides leading to various diseases, smoking can also increase your costs for term life insurance UAE quite a bit!
Note: In case you’ve been a smoker, don’t forget to disclose it to your insurer. Hiding information can lead to claim rejections later. - Choose a suitable term and coverage: With the right policy tenure and coverage, you can fulfill your family’s requirements without stretching your budget.
With that said, keep in mind that it’s not only about premiums! While you might think getting a cheaper plan is good, it can also cause problems or insufficient coverage when your family makes a claim. This can actually leave them without any financial support in unfortunate circumstances.
Best Term Insurance Companies in UAE 2026
| Insurer Name | Plan Name | Claim Settlement Ratio | Min Age | Max Age | Min Premium |
|---|---|---|---|---|---|
| Salama Insurance | Hemayati Plus | 18 | 55 | ||
| Zurich Insurance | International Term Assurance | 98.00 % | 18 | 74 | |
| Arabia Insurance | Critical Illness Basic | 95.00 % | 18 | 60 | 4 AED/Monthly |
| Takaful Emarat | Fixed Term | 98.20 % | 20 | 60 | 71 AED/Monthly |
| Arabia Insurance | Term Life | 95.00 % | 15 | 70 | |
| Zurich Insurance | Critical Illness Protection | 98.00 % | 18 | 74 | 0 |
What is the Difference Between Term Insurance and Life Insurance?
A term policy is a type of policy that financially secures the beneficiary in case the policyholder, unfortunately, passes away during the policy tenure. A whole life insurance plan is a policy that remains active throughout the policyholder’s life.
| Parameter | Term Insurance | Life Insurance |
|---|---|---|
| Tenure | You can select the policy tenure from 5, 10, 15, 20, 25, or 30 years | Usually the entire life of the policyholder |
| Benefits | The beneficiary only receives the death benefit but there are no maturity benefits | The beneficiary receives a death benefit — in case the policyholder survives the tenure, they may receive a maturity benefit |
| Premium | Nominal since there is only life cover and no other benefit | Usually higher than term insurance |
| Cash Value | No cash value — only a death benefit is provided if the policyholder passes away during the policy tenure | There is a cash value that accumulates over time |
| Surrender Value |
If the policyholder stops paying premiums on a term plan, the insurance will lapse after a 30-day grace period Term plans don’t have a surrender value, and you won't get back any premiums paid |
You can exit a whole life insurance plan before it ends, but you'll face consequences You'll lose the maturity benefit and only get part of the premiums back However, if you stay invested for 3-5 years and then exit, you will receive a surrender value. |
If you are looking for more affordable options, you can opt for a term policy. However, if you want investment and insurance in one place, you can explore whole life insurance or ULIPs.
Read More: Difference Between Term and Life Insurance
Inclusions of Term Life Insurance
The types of death covered under the plan include –
- Death because of natural causes or medical conditions
- Death owing to a terminal illness that was diagnosed less than 12 months before the survival period
- Death due to critical illness
Exclusions of Term Life Insurance
Listed below are the exclusions or the conditions under which the beneficiary will not receive any benefit –
- Death after the policy matures
- Death due to an undisclosed pre-existing health condition
- Death due to substance overdose
- Death due to sexually transmitted diseases
- Death owing to foreign invasions, warlike situations, or war
- Death because of a criminal activity as per the UAE laws
- Deaths related to military service
Term Insurance UAE & Dubai Payout Options
Can NRIs Buy Term Insurance in India?
Yes, NRIs can buy term insurance from Indian insurance providers. As an NRI, when you buy term insurance from India, you get the following benefits –
- High life coverage at affordable premiums
- Flexible premium payment methods — lump sum or regular (monthly, quarterly, half-yearly, or annually)
- Financial security for the life assured’s family in case the former passes away during the policy tenure.
- Flexibility to choose the policy tenure
- Easy documentation process
- Option to customise the plan with additional riders – accidental death, waiver of premium, critical illness benefit, and more
Note that there are 2 factors to consider when buying an NRI term insurance policy –
- Policy tenure — NRIs should give the policy tenure a thorough thought when buying a term insurance plan. Usually, experts recommend that the coverage should be for at least till you are 65 years old.
- Policy coverage — As an NRI, you should also consider the policy coverage amount. For this, take factors like inflation, expenses, debts, policy type, income, and other significant events into consideration.
Documents Required to Purchase Term Life Insurance
How to Decide the Right Tenure for a Term Insurance Policy?
Additional Add-ons for Term Insurance in UAE
To enhance and customise your term insurance plan, insurance providers in UAE offer additional protection via add-on riders. With a nominal increase in your premium, you can include these riders in your base protection plan.
Here are some popular add-ons for the best term life insurance in UAE —
|
Add Ons |
Features |
|---|---|
|
Critical Illness cover |
The company provides coverage in case of life-threatening illnesses such as cancer, stroke, and more. On the diagnosis of a critical illness, the company provides a lump sum. You can use it for medical expenses as well as day-to-day needs and loss of income. |
|
Accidental Death Cover |
Beneficiaries get an extra amount in addition to the death benefits in case you die due to an accident. The accidental death benefit is calculated based on the base plan and may have an upper limit as per the insurer. |
|
Terminal Illness Cover |
Your beneficiaries get a fraction of the assured sum if you are diagnosed with a terminal illness. This amount helps your family cope with situations and meet urgent medical expenses. |
|
Permanent Disability Cover |
The insurer compensates your income for around up to 10 years in case of loss of employment due to disability. This way, your family can maintain their prior lifestyle even during unforeseen situations. |
|
Premium Waiver Cover |
In case of inability to work due to accident or illness, the insurer waives your subsequent premiums while the policy remains active until the pre-decided tenure. |
Directly from experts
Know More About Term Insurance
Page Last Updated on 5 February (2026) |
|---|
Tanvi Pathak
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