Union Term Insurance

The Union Term Insurance policy is specifically designed to help your loved ones meet their financial commitments. This includes mortgage payments, school fees, unpaid debts, and other essential expenses.

Written ByAashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed ByAtul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 04 November 2025Editorial Standards

Best Term Insurance in UAE

Some of the best Term Insurance quotes in UAE & Dubai are:

Policy Term

Age

Cover

Payment Frequency

YearlyMonthly

98.1% Claim Settlement Ratio

Term Life Protect

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

95% Claim Settlement Ratio

Term Life

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Life Cover
Entry Age

98% Claim Settlement Ratio

International Term Assurance

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage: Subject to Approval*
Medical Checkup Not Required
Worldwide Coverage
Critical Illness Cover

98% Claim Settlement Ratio

Live Life Now

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage

98% Claim Settlement Ratio

Critical Illness Protection

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Cancer Cover

With comprehensive coverage and affordable insurance packages, Union Term Insurance ensures your family receives reliable support through every possible contingency.

Types of Union Term Insurance UAE

Here are the three types of Union Term Insurance UAE plans available for you —

Smart Term Life

This Union Term Insurance plan is a pure protection solution designed to secure your loved ones' financial future for up to 35 years. It provides all-inclusive coverage against global death from any cause. You also have the freedom to select the duration of coverage and the amount insured.

This plan focuses solely on protection, without maturity, surrender, or survival benefits, providing peace of mind for you and your family.

Inclusions:

The policy provides coverage options of up to AED 5,000,000
Financial support through a lump sum payout helps your family manage essential expenses after your passing
Coverage for death from any cause, including accidents and sickness, worldwide
Protection lasting up to 35 years
Get sum assured of up to AED 1 million without medical questionnaires or examinations
Death due to pre-existing conditions covered after six months

Super Secure Insurance

This is a versatile investment solution that merges savings and insurance to help you achieve your financial goals. As a regular premium unit-linked product, it allows you to accumulate funds while providing essential insurance coverage to protect those goals in your absence.

It offers a path to regular income after retirement and includes lump sum payouts to support your loved ones. This makes it an ideal choice for those looking for both financial growth and security.

Inclusions:

Choose a death cover of 101% of the fund value or another amount based on underwriting approval
Additional protection against specific risks
Enjoy immediate benefits upon policy initiation
Loyalty addition rewards for long-term policyholders

Flexible optional benefits —

Financial Support with Fresh Start Option
Critical Illness Advancement Benefit
Waiver of Premium for Permanent Disability or Involuntary Job Loss
Hospital Allowance Benefit
Covers Family Income in Critical Illness

Flexi Life Insurance

This Union Term Insurance plan supports your financial goals while adapting to your evolving lifestyle. It offers a platform to build your investment portfolio from a variety of options, promoting a disciplined approach to wealth creation.

Inclusions:

Allocate your premium to funds of your choice, benefiting from competitive allocation charges.
Modify your benefits to suit your needs, including adjusting amounts and optional features.
Select from monthly, quarterly, semi-annual, or annual premium payments, with the ability to make additional contributions anytime.
Enjoy cost-effective features like home shield and family travel coverage
Get free annual medical checkups and a bonus from years 6 to 13

Why Should You Choose Union Term Insurance Dubai?

Here are the reasons why Union Term Insurance stands out as a reliable source for securing your family’s financial future —

Why	Description
Customisable Plans	You will get dedicated support from an experienced team that will guide you to find the right policy. You can customise your policy to match your specific needs.
Financial Protection for Your Family	The plan ensures that your nominees and family members receive essential financial support in the event of your untimely demise, safeguarding their future.
Experienced Team	A highly skilled in-house team will assist you with comprehensive services, including accurate gap analysis and risk assessment.
Digital Capabilities	Enjoy a streamlined experience with the website’s digital tools, making Union Term Insurance login easy. Also, you can submit claims and issue policies without hassle.
Convenient Payment Options	You can choose from flexible payment methods, including debit cards, bank transfers, credit cards, and post-dated cheques, making premium payments simple and accessible.
Health Expense Coverage	Enjoy additional benefits such as critical illness coverage, accidental medical coverage, and hospital cash benefits.

Union Term Insurance Settlement Process

Follow the steps mentioned below for a smooth claim process —

Steps	Process
Claim Intimation	You need to notify Union Insurance within the specified period as per your policy terms. Send an email to IPOps@unioninsurance.ae with the following details and your policy specification schedule — Policy number Your name Date of birth Date of event Incident Description Claim type
Acknowledgment	Within two working days, you will receive an acknowledgment of your email. Also, the claim reference number and a request for the necessary documents to process your claim.
Document Submission	Submit the required claim documents within the stipulated period specified in your policy terms.
Claim Processing	Their team will acknowledge receipt of your documents within two working days. You will receive updates on the status of your claim within 10-15 working days from the date they receive all required documents. There is a chance that you may need to submit additional documents, or your request can be approved or declined based on the evaluation of the provided information.
Claim Approval	If your claim is approved, you will receive a discharge receipt to sign.
Settlement	The claim settlement will be processed within 15 working days (subject to finance approval and no outstanding premiums) from the date of receiving the signed discharge receipt.
Buy Term Insurance Online

Term Insurance Calculator for Union

Frequently Asked Questions

Union Insurance Company is considered trustworthy, with a solid reputation in the industry. They are licensed by the UAE Insurance Authority and are listed on the Abu Dhabi Securities Exchange, which adds to their credibility. You can also check the Union Term Insurance reviews online to be more sure.

Individuals aged 18 to 60 years holding a valid United Arab Emirates residence visa are eligible for this Union Term Insurance plan.

Yes, the policy can be issued in single-life or joint-life forms, allowing both partners to be covered.

Yes, you can cancel the Flexi Life policy by submitting the Free Look Cancellation Form signed within 21 days from the policy commencement date.

Exclusions include death from war, aviation activities, criminal acts, suicide within the first 12 months, self-inflicted injuries, nuclear material exposure, certain terminal illnesses within the first 12 months, and COVID-19 within the first 30 days.

Yes, termination can occur if you become ineligible, fail to pay premiums within the grace period, exceed the principal sum, or exceed the age of 70.

Other Insurance By union

Reviews & Ratings

★★★★★4.7 / 5

(based on 43,419 reviews)

Jabir AliDubai, 14 July 2026

★★★★★

Smooth and fastAt first I was scared because online insurance feels risky sometimes, but support team answered all my questions. Buying process was smooth and fast.

Amir MusadekinAbu Dhabi, 3 July 2026

★★★★★

Easy to useGood platform for expats in UAE. I got term insurance without unnecessary back and forth. Website is also easy to use compared to others.

Mahmoud Mohyeldin MahmoudDubai, 1 July 2026

★★★★★

Affordable premiumHonestly I delayed buying term plan for years thinking it complicated. Turned it was quite simple. Premium is affordable and coverage amount is good.

Omar BaazizDubai, 30 June 2026

★★★★★

Well explainedWhat I liked most is they didnt force me into buying expensive plans. They explained benefits and risks clearly which is rare nowadays.

Mohamed AbdelrehimAbu Dhabi, 27 June 2026

★★★★★

Good after serviceTheir team helped understand claim settlement and riders properly. I added also critical illness cover. Service was nice even after policy issued.

Usman AfzalAbu Dhabi, 26 June 2026

★★★★★

Excellent coverageApplied for life insurance online while sitting at home in Sharjah. Process took some time because of medical checks but finally everything got approved smoothly.