Best Annuity Plans in UAE for 2025 : Secure Monthly Income After Retirement

Whether you’re a UAE resident or an NRI living here, investing in an annuity plan can give you the peace of mind that your future finances are secure.

You’ll learn what annuity plans are, how they work, their key benefits, the types available in the UAE, and the top providers offering them. Let’s help you plan a financially worry-free retirement.

What is an Annuity Plan?

A retirement annuity plan is a financial product designed to provide a steady stream of income, usually after retirement. You invest a lump sum or pay in installments. In return, you receive regular payouts (monthly, quarterly, or annually) — either immediately or after a set period.

Key Features

Guaranteed income for life or a fixed period
Option to customise the plan for single or joint lives
Payouts can begin immediately or after a deferred phase
Optional benefits like life cover or return of purchase price

Top Investment Plans in UAE

Some of the best Investment quotes in UAE & Dubai are:

Policy Term

Investment Amount

Payment Frequency

YearlyMonthly

How Annuity Plans Work in the UAE

Here's how an annuity plan typically works in the UAE —

Step 01
Investment: You invest a lump sum or make regular payments to an insurance provider or investment firm
Step 02
Accumulation Phase (Optional): If you choose a deferred annuity, your money grows over a period before payouts begin
Step 03
Payout Phase: Based on the chosen plan, the insurer starts sending regular payments to your bank account
Step 04
Duration: Payouts can continue for your entire life, a fixed number of years, or the lifetime of both spouses in case of joint annuities

This makes retirement annuity plans especially useful for retirement income, estate planning, and financial stability for dependents.

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Types of Annuity Plans in the UAE

To help you choose a plan that fits your needs the best, let’s understand the types of annuities available —

Annuity Plan Type	Description	Best For
Immediate Annuity Plans	You invest a lump sum and start receiving payouts almost immediately (usually within a month).	Retirees looking for instant income.
Deferred Annuity Plans	You invest now and allow the fund to grow over time. Payouts begin at a later date (say, after 5–10 years).	Young or mid-career individuals planning long-term retirement income.
Fixed Annuity Plans	These plans offer guaranteed payouts for a fixed duration, regardless of market performance.	Conservative investors who prefer stability over high returns.
Variable Annuity Plans	The returns and payouts depend on the performance of the underlying investments (e.g., mutual funds).	Investors willing to accept market risks for potentially higher returns.
Joint Life Annuity Plans	These policies cover two lives (e.g., husband and wife). Payments continue until both have passed away.	Married couples wanting lifelong financial security for both partners.
Annuity with Return of Purchase Price	After the annuitant’s death, the original investment is returned to the nominee.	Those who want to ensure capital protection for their heirs.

Benefits of Annuity Plans in the UAE

✅ Guaranteed Income

No matter what happens in the market, you get a regular paycheck after retirement.

✅ Custom Payout Options

Choose monthly, quarterly, or annual income depending on your lifestyle needs.

✅ No Investment Hassles

Unlike mutual funds or stocks, annuities require minimal management once set up.

✅ Safe for NRIs

NRIs living in the UAE can invest in plans like LIC International or MetLife and secure retirement income in multiple currencies.

✅ Legacy Planning

With return-of-purchase-price options, you can leave behind a financial cushion for your family.

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Best Annuity Plans in the UAE 2025

Here's a comparison of some of the best annuity plans in the UAE —

Provider	Plan Type	Key Benefits	Minimum Investment
LIC International	Deferred	Lifetime income Joint annuity Return of capital Multiple currency options	USD 5,000
Zurich International	Retirement Builder	Custom deferred income Life cover Fund growth potential	-
MetLife UAE	Guaranteed Return and Shariah Compliant Plans	Flexible annuity options and legacy protection	Varies

Eligibility for Annuity Plans in the UAE

While the eligibility criteria vary slightly by provider, providers generally require the following—

Age: 18 to 60 years (varies according to the plans)
Residency: UAE residents, NRIs, and expats with valid visas
Documents Needed: Passport copy, Emirates ID, visa page, income proof

How to Choose the Best Annuity Plan in the UAE

Choosing the right annuity plan depends on your financial goals, retirement age, and risk tolerance. Ask yourself —

Do I want payouts to start now or later?
Should the plan cover my spouse too?
Am I okay with market-linked returns?
Do I want to leave money behind for my family?

Compare fees, returns, payout flexibility, and the insurer’s reputation before you lock in a plan.

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Tax Implications for NRIs and Expats

Annuity income, just like personal income, is generally not taxed in the UAE. However, if you are an NRI, you should check tax rules in your home countries (e.g., India taxes foreign income but allows some exemptions). Consult a financial advisor for clarity.

The Bottom Line

Annuity plans in the UAE are a powerful instrument to ensure retirement doesn’t mean financial uncertainty. With guaranteed monthly income, minimal risk, and a wide choice of providers, they’re ideal for long-term financial planning, especially if you’re an NRI or expat looking to secure your future.

If you’re nearing retirement or planning ahead, now’s the time to explore the best annuity plans in the UAE that fit your lifestyle and goals.

Frequently Asked Questions About Annuity Plans in the UAE

Some plans have surrender options, although this option may involve charges or loss of benefits.

Yes, annuity income is taxable in India. However, you can reduce tax through DTAA provisions or exemptions.

Yes, annuity plans in the UAE are safe as they are regulated by the Central Bank and Insurance Authority, ensuring capital protection and reliable payouts.

First, estimate your future living expenses, healthcare needs, and desired income level. Next, use online annuity calculators or consult a financial advisor to determine the investment required.

No, annuity plans provide regular income, while retirement plans help you build a corpus. Annuity payouts can start as per your choice, while the retirement corpus is usually accessible post-retirement.

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