How to Check Life Insurance Policy Status in UAE (Online & Offline)

To check the status of your life insurance policy in the UAE, log in to your insurer's customer portal or mobile app with your policy number, date of birth and registered mobile number, then open "My Policies". Unlike health or motor insurance, you can't check life insurance through a government portal because it is a private contract, so you must check directly with the insurer that issued it. You can also call or email the insurer's customer service, or ask your broker to do so on your behalf. If you have lost your policy number, the insurer can locate your policy by using your Emirates ID or passport.read more

Written By

Aashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed By

Atul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 08 October 2026Editorial Standards

How to Check Life Insurance Policy Status Online?

The easiest way to check policy status online is through your insurance company’s official website or mobile app.

1. Life Insurance Policy Status Check for Registered Users

If you already have account access on your insurer’s platform, tracking your status takes less than two minutes:

Step 1: Go to your insurance company’s official website or mobile app.
Step 2: Click on Customer Portal / Log In and enter your registered username and password.
Step 3: Navigate to My Policies or Policy Status.
Step 4: Select your policy number to view the active status, next premium due date, current fund value, and sum assured.

2. How to Register and Check Your Policy Status (New Users)

If you recently purchased a plan and need to check the status of your life insurance policy in the UAE:

Step 1: Go to the insurer’s customer portal and click on Register / First-Time User.
Step 2: Fill in your policy number, Date of Birth (DOB), registered mobile number and email ID.
Step 3: Complete OTP (One-Time Password) authentication through SMS or Email.
Step 4: Set a password to unlock your portal

For example, MetLife UAE users can use myMetLife to access policy information, manage policies, and pay premiums. Zurich customers can use Zurich Online or MyZurichLife to manage their policy, premiums, and beneficiary details.

Buy Best Life Insurance Plan 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

How to Check Life Insurance Policy Status Without a Policy Number?

If you have misplaced your policy documents or forgotten your policy number, you can still retrieve your life insurance policy status:

Via Emirates ID or Passport: Contact your insurer’s customer care or broker. Verify your identity using your Emirates ID, passport number, and date of birth.
Check Bank & Auto-Debit Records: Review your bank account statements or credit card transaction history for past premium payments. The transaction reference often contains your policy code.
Search Digital Archives: Search your email inbox for welcome packs, premium payment receipts, or e-policy bonds sent at purchase.
Contact Your Advisor: Contact the insurance broker or financial advisor who issued your plan to retrieve your policy number from their CRM records.

You can also check your email for policy documents, premium receipts, and renewal reminders. If you got the policy through an advisor or broker, they may also help you retrieve the policy details.

How to Check Life Insurance Policy Status by Phone or Email?

If you cannot access the online portal, contact your insurer’s customer service team. Keep your policy number and identification details ready. Ask the insurer to confirm:

Whether your policy is active
Whether any premium is overdue
Your next premium due date
Your current life cover
Whether any policy changes are pending
Whether your beneficiary details are up to date

Some insurers also offer support through email, online forms, apps, or financial advisors. The available channels depend on the insurer.

What Do the Different Life Insurance Policy Statuses Mean?

When you check insurance policy status in Dubai, you may see terms such as:

Policy status	What it means
Active/In force	Your policy is currently providing coverage, subject to its terms and premium payments
Grace period	A premium is overdue, but the policy may remain in force for the applicable grace period
Lapsed	The policy has stopped coverage because required premiums were not paid, subject to the policy terms
Paid-up	The policy continues with reduced benefits after premiums have stopped, where the policy allows it
Pending	The policy or a requested change may still be under review or processing
Matured	The policy has reached its contractual maturity date, where applicable
Cancelled/Terminated	The policy has ended according to its terms or following a cancellation request

The exact meaning and consequences of each status can vary by policy. Always check your policy documents or confirm with your insurer before assuming that you have coverage.

What Should You Check Along With Your Policy Status?

Checking whether your policy is active is only the first step. Before you finish your life insurance policy status check, review these details too:

Premium Due Date

Make sure you pay your premiums on time. An overdue payment could affect your coverage depending on the policy terms and applicable grace period.

Life Cover

Check that your sum assured still matches your family’s financial needs, especially after major changes such as marriage, having children, taking a mortgage, or starting a business.

Beneficiary Details

Make sure the beneficiary information is correct and up to date. If your family circumstances have changed, contact your insurer to understand the process for making an update.

Policy Term

Check how long your coverage remains in force. If your policy is nearing its end, consider whether you need additional protection.

Riders and Additional Benefits

Review any riders attached to your policy, such as critical illness or accidental death benefits, and confirm that they are still active.

What to Do If Your Life Insurance Policy Status Is Incorrect

If your policy shows as inactive even though you recently paid your premium, first check your payment confirmation and contact the insurer. Have these ready:

Policy number
Payment receipt or transaction reference
Date of payment
Amount paid
Registered contact details

Ask the insurer to confirm whether the payment has been received and whether your policy is active.

If you cannot resolve a complaint directly with your insurance company, the CBUAE says customers can use Sanadak, the UAE’s independent ombudsman mechanism, for complaints involving licensed financial institutions and insurance companies.

How Often Should You Check Your Life Insurance Policy Status?

You don’t need to check your policy every week. However, it is sensible to review it at least once a year and whenever your circumstances change.

Pay particular attention to your policy before:

A premium payment is due
Your policy is approaching expiry
You get married or have a child
You take a major loan or mortgage
You change your contact details
You change your beneficiary
You want to increase your life cover

Regular checks can help you catch missed payments, outdated beneficiary information and insufficient coverage before they become a problem.

What Documents Should You Keep for Your Life Insurance Policy?

Keep digital and physical copies of:

Policy document
Premium payment receipts
Latest policy statement
Beneficiary details
Insurer’s customer service information
Important correspondence with the insurer

Also make sure your family knows that the policy exists and where the relevant documents are kept. This can make the claims process easier if something happens to you.

FAQs for Life Insurance Policy Status

You can check it through your insurer’s official website, customer portal, or mobile app. You can also contact the insurer by phone or email with your policy number and identification details.

Yes. Many UAE insurers offer online platforms or mobile applications that help customers access their policy details, make payments, and check the status of their policies. For instance, MetLife offers MyMetLife while Zurich offers Zurich Online and MyZurichLife.

Usually, you can contact your insurer and verify your identity using other details such as your name, date of birth, and registered contact information. The insurer can then help you locate your policy.

Your insurer’s portal or customer service team can confirm whether your policy is active. You can also check there whether your premiums are up to date and whether any conditions or changes are pending.

For a life insurance policy, check directly with the insurer that issued the policy through its website, app, customer service team, or advisor.

Contact your insurer and provide your policy number, payment receipt, and other relevant details. Ask the insurer to verify the payment and update the policy status if required.

Not generally. In the UAE, Emirates ID-based insurance checks are mainly available for health insurance; for a life insurance policy, you typically need to check with the insurer using your policy details or through its customer portal.

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