Life Insurance Plans & Policy for NRIs in UAE

Buying life insurance for NRIs in UAE is a smart financial move that offers peace of mind and long-term security and financial protection in case of unforeseen circumstances, while also offering investment benefits through certain plans.
With flexible premium options, multi-currency support, and globally portable policies, NRIs can secure their families’ future no matter where they are.

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NRI Life Insurance in UAE

The UAE continues to welcome thousands of expatriates each year, becoming a multicultural hub where people from around the world settle for work or business. For many, moving to Dubai also means being away from their family and traditional support systems. That’s why life insurance for NRIs (Non-Resident Indians) plays an important role in financial planning, especially when you have dependents.

Why Should NRIs Consider Life Insurance in UAE?

Protection Against Uncertainty	High Cost of Living	Added Benefits
Life is full of uncertainties and if the family’s main earner passes away suddenly, the financial strain can be overwhelming—from EMIs to daily living costs. This insurance ensures your loved ones are financially secure, even in your absence.	The UAE has a relatively high cost of living. In case of disability or death, life insurance provides a financial cushion for your dependents, giving them stability and peace of mind.	Many UAE insurers offer flexible options like accepting multiple currencies and international portability. This means the policy can still be beneficial even if you relocate or return to India.

Reasons to Opt for Life Insurance for NRIs

We have outlined some key features of life insurance for NRIs —

Financial Support for Families – When an NRI is the main income earner, their unexpected passing can create significant hardship for the family. Life insurance helps by offering a financial safety net, ensuring the dependents can manage living expenses, loans, and future needs even in the absence of the policyholder.
Investment Opportunities – Some life insurance plans, like ULIPs (Unit Linked Insurance Plans), combine protection with investment. These plans give NRIs the chance to earn returns by investing in market-linked funds while still keeping the coverage active.
Affordable Premiums – Life insurance premiums for NRIs are often cost-effective. Depending on age, health, and policy type, NRIs may pay lower premiums compared to similar plans in countries where insurance is more expensive.
Coverage for Unexpected Risks – Living abroad may expose NRIs to risks like limited healthcare access, natural disasters, or unexpected events. Life insurance protects against these uncertainties, offering peace of mind regardless of location.

Best Life Insurance Plans for NRIs in UAE

The following are the best life insurance plans for NRIs in UAE —

Plans	Benefits	Add-ons
HAYAH Term Life Protect	Death Benefit	Temporary Life Cover Terminal Illness Benefit Permanent Total Disability Cover Critical Illness Benefit Passive War Risk Waiver of Premium Benefit
Zurich International Term Assurance	Death Benefit	Terminal Illness Benefit Permanent Total Disability Cover Critical Illness Benefit Waiver of Premium Benefit
MetLife Live Life	Loss of Life Benefit	Second Medical Opinion Accelerated Critical Illness Benefit MetLife Discount Card Accelerated Terminal Illness Cover Waiver of Premium Benefit Accidental Loss of Life War Risk Personal Accident of Life Accidental Care Hospital Care Forever Plan Rider
MetLife Live Life Now	Loss of Life Benefit	Second Medical Opinion Accelerated Critical Illness Benefit Accidental Loss of Life MetLife Discount Card Accelerated Terminal Illness Cover
Takaful Emarat Fixed Term	Death Benefit	Critical Illness Cover Terminal Illness Benefit
Orient International Term Plan	Death Benefit	Terminal Illness Cover Passive War Risk Permanent Total Disability Cover Critical Illness Benefit
Sukoon Lifeguard	Death Benefit	Accelerated and Additional Critical Illness Accelerated Permanent and Total Disability due to Accident Additional Accidental Death Benefit Hospital Indemnity Rider Accelerated Permanent and Total Disability due to Accident and Sickness Waiver of Premium due to Permanent and Total Disability
LIC International Life Protect Term Plan 278	Death Benefit	Accelerated Critical Illness Benefit
Zurich Futura	Life Cover Additional Funeral Coverage Life Event Increase Option Accelerated Terminal Illness Aeroplane Cover (Additional) Second Medical Opinion Service (including for your family)	Accidental Death Benefit Dismemberment Benefit Fixed Term Income Cover Permanent Total Disability Accelerated Critical Illness Benefit Family Income Cover Hospitalisation Benefit Waiver of Premium
MetLife Future Protect	Death Benefit Second Medical Opinion MetLife Discount Card Terminal Illness Benefit	Accidental Death Benefit Critical Illness Cover Permanent and Total Disability Waiver of Premium Permanent Partial Disability Hospitalisation
Sukoon Life Protect (Conventional)	Death Benefit	Permanent Total Disability Accidental Death Benefit Premium Waiver Benefit Critical Illness Cover Hospital Care Rider
Sukoon Family Takaful Protect	Shariah Compliant Loss of Life	Permanent Total Disability Accidental Death Benefit Premium Waiver Benefit Critical Illness Cover Hospital Care Rider Terminal Illness Beneift Aeroplane Cover

How to Buy the Best Life Insurance for NRI?

Choosing the best life insurance for NRIs can ensure financial security for your loved ones. Here are the key factors to consider —

Decide on the Right Coverage – Start by estimating how much your family would need if you’re not around. Consider expenses like existing loans, daily living costs, education fees, and future goals. Don’t forget to account for inflation and changing currency values over time. Choose a coverage amount that can fully support your family’s needs.
Select a Payment Schedule – Pick a premium payment frequency that suits your budget. Options usually include quarterly, half-yearly, or annual payments.
Choose the Policy Term – For term insurance, select a duration that covers the years your dependents would rely on your income. This should match your current life stage and future financial responsibilities.
Add Useful Riders – You can enhance your policy by adding riders like critical illness or accidental death cover, depending on your needs.
Submit Proper Documentation – In case of a claim, notify the insurer immediately and submit all required documents correctly. This ensures the claim is processed quickly and smoothly.

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