# PB Advantage Life Insurance: Exclusive Benefits for Policybazaar.ae Customers **Published:** 2026-09-10 **Updated:** 2026-09-10 **Author:** Aashima Mongia **Reviewer:** Atul Kathuria **Original Url:** https://www.policybazaar.ae/life-insurance/pb-advantage/ **We are Rated:** 4.7/5 **Review Count:** 46,158 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ Choosing a life policy is only one part of the process. You may also need help understanding your policy, managing documents, reviewing your cover, handling renewals, or getting assistance when your family needs to make a claim. Moreover, in the UAE, family protection can go beyond life cover. Creating a legally registered Will and planning how your family will manage your affairs can be equally important. PB Advantage brings these additional benefits together for Policybazaar.ae life insurance customers. With PB Advantage, eligible customers can get benefits such as instant issuance assistance, a dedicated Relationship Manager and doorstep support, preferential rates on UAE Will services, and rewards for sharing the benefits with friends. _**Regulatory Information: Insurance services are provided by Policybazaar Middle East Insurance Brokers LLC, regulated by the Central Bank of the UAE (License No: 123). Terms and conditions apply for instant issuance eligibility, referral rewards, and legal professional fee discounts.**_ ## A Quick Overview of PB Advantage | PB Advantage Benefit | What You Get | | --- | --- | | Instant Issuance Assistance | Instant coverage assistance, subject to eligibility | | Dedicated Relationship Manager | Personalised support for your policy | | Doorstep Support | Insurance assistance from the comfort of your home | | Claims Assistance | Help with the claims process | | UAE Will Services | Professional fee savings of up to 50% | | Free Initial Consultation | Initial Will consultation at no cost | | UAE Legal Jurisdictions | ADJD, DIFC, and Dubai Courts | | Referral Rewards | PB Coins for eligible Term Insurance and Investment referrals | ## The 4 Key Benefits of PB Advantage ### 1\. Instant Issuance Assistance Coverage without the waiting game. Traditional [life insurance](https://www.policybazaar.ae/life-insurance/) underwriting can take weeks, leaving your family in limbo. PB Advantage modernises the process by offering Instant Issuance Assistance. Eligible users can get instant insurance coverage with zero wait times, subject to key criteria such as age and pre-existing medical conditions. * Expert Guidance On-Demand: Have questions about your eligibility? Speak directly with a dedicated sales advisor at 800 800 001 (Available Monday–Sunday, 8 AM–11 PM GST). * The Customer Advantage: Eliminates traditional underwriting friction, ensuring your loved ones are covered without delay. ### 2\. Dedicated Relationship Manager & Claims Hotline Personalised service, from purchase through claims. At Policybazaar.ae, we believe that you should never have to manage complex financial paperwork alone during life’s critical moments. With PB Advantage, every life insurance policy purchased through Policybazaar.ae comes with a personal Dedicated Relationship Manager (RM). Your RM acts as your single point of contact across your policy’s lifetime, assisting with: * Priority guidance to make claim filing stress-free for your beneficiaries * Direct help with policy changes, coverage reviews, and renewals * Connect via direct phone calls, WhatsApp, or email support * No automated phone queues or contact centres — you have an assigned insurance expert guarding your policy requirements at every step ### 3\. UAE Will & Legal Experts: Up to 50% Off Professional Fees Complete your estate planning strategy. Life insurance gives the financial capital that your family needs. However, a legally registered UAE Will ensures those assets and legal guardianships are handled exactly according to your wishes. To help you close this vital estate-planning gap, Policybazaar.ae has partnered with Khaled Al Marri & Partners Legal Consultants LLC, a licensed UAE law firm, to bring you exclusive legal discounts. #### Exclusive Legal Offer Breakdown * Up to 50% Off Professional Fees: Discounted rates for professional Will drafting, including Single and Mirror Will options * Free Initial Consultation: Evaluate your estate management needs with licensed UAE legal professionals at no cost * Cross-Jurisdiction Expertise: Comprehensive coverage and registration assistance across ADJD (Abu Dhabi Judicial Department), DIFC (Dubai International Financial Centre), and Dubai Courts * The Customer Advantage: True peace of mind knowing both your financial payout (via insurance) and physical asset distribution (via a UAE Will) are legally secured under UAE law Transparent Pricing: Please note that the discount applies strictly to professional legal fees. Government registration fees and official translation charges are processed at actual cost in accordance with regulatory requirements. ### 4\. Referral Rewards: “Refer a Friend. You Both Win.” Share the protection, unlock cash-value rewards. When you help friends and family safeguard their futures, PB Advantage rewards both of you. Through our referral reward structure, active Policybazaar.ae customers earn PB Coins whenever a referred friend purchases an eligible [Term Insurance](https://www.policybazaar.ae/term-insurance/) or [Investment plan](https://www.policybazaar.ae/investment-plans/). | Product Type | Referrer Reward | Friend Reward | Maximum Reward Limit | | --- | --- | --- | --- | | Term Insurance | 2% | 2% | Up to AED 150 each | | Investment Plans | 1% | 1% | Up to AED 150 each | Rewards are subject to applicable programme terms and eligibility. ## How Does PB Advantage Compare with Other Offers? | Feature / Benefit | Standard Market Purchase | Policybazaar.ae PB Advantage | | --- | --- | --- | | Policy Issuance | Manual underwriting queues & delays | Instant Issuance Assistance for eligible applicants | | Post-Sale Support | Generic call centres & chatbots | Dedicated Relationship Manager & WhatsApp assistance | | Claims Process | Self-managed by beneficiaries | Priority Claims Hotline with hands-on RM guidance | | Estate Planning | Full price for external legal services | Up to 50% Off Professional Fees for UAE Wills | | Member Benefits | None | Dual-Sided Referral Rewards (Up to AED 150 each) | ## Is PB Advantage a Separate Life Insurance Policy? No. Think of PB Advantage as an additional set of customer benefits associated with life insurance purchased through Policybazaar.ae, not a separate insurance policy. The underlying life policy is still issued by the selected insurer and is governed by its policy terms, conditions, exclusions and eligibility requirements. PB Advantage adds additional support and benefits around that purchase. ## How to Get PB Advantage Benefits? The starting point is to compare and purchase an eligible life insurance policy through Policybazaar.ae. On our platform, you can: 1. Check how much life cover your family may need 2. Compare available life insurance plans 3. Review premiums, policy terms, and benefits 4. Select a plan that matches your financial needs (plans offering PB Advantage benefits will be clearly marked) 5. Complete the application and any required documentation 6. Once eligible, access the applicable PB Advantage benefits | ### PB Expert Insight When comparing plans, don’t choose a policy only because it has the lowest premium. Consider the coverage amount, policy term, insurer, exclusions, additional benefits and your family’s financial requirements as well. | | --- | ## Frequently Asked Questions ### What is PB Advantage? PB Advantage is a set of additional benefits available to eligible customers who purchase life insurance through Policybazaar.ae. These include insurance assistance, dedicated Relationship Manager support, UAE Will benefits, and rewards. ### Is PB Advantage included when I buy life insurance from Policybazaar.ae? PB Advantage benefits are associated with eligible life insurance purchases through Policybazaar.ae. Specific benefits may have their own eligibility criteria and applicable terms. ### What is Instant Issuance Assistance? It is assistance designed to help eligible users receive coverage without unnecessary waiting. Eligibility depends on factors including age and pre-existing medical conditions. Also, coverage terms may vary. ### What does the dedicated Relationship Manager do? The Relationship Manager can help with claims assistance, paperwork, renewals, policy documents and cover reviews. ### Can I get a UAE Will at a discount through PB Advantage? Yes. Policybazaar.ae customers can get professional fee savings of up to 50% on eligible UAE Will services. The benefit includes a free initial consultation and Will that’s valid across ADJD, DIFC, and Dubai Courts’ jurisdictions. ### Does the 50% Will discount include government fees? No. The discount applies to professional fees. Government registration fees and translation charges are not discounted and are charged at actual cost. ### Who provides the UAE Will service? The service is provided in partnership with Khaled Al Marri & Partners & Legal Consultants LLC, licensed in Dubai, UAE. ### Can I earn rewards by sharing Policybazaar.ae life insurance with a friend? Yes, the PB Advantage can bring rewards for eligible Term Insurance and Investment purchases. The rewards are available in the form of PB Coins, with 2% each for Term Insurance and 1% each for Investment, up to AED 150 each. However, check the applicable programme terms and eligibility before claiming a reward.