MetLife Life Insurance UAE & Dubai
Among the leading insurers in the region, MetLife Life Insurance UAE offers flexible protection and investment-linked solutions for individuals, families, and business owners. With more than 65 years of experience in the Gulf, MetLife operates in the UAE through American Life Insurance Company (MetLife), which is registered with the Central Bank of the UAE. The company serves customers across the UAE, Bahrain, Kuwait, Oman, and Qatar.read more
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Buy Best Life Insurance Plan in UAE
Some of the best Term Insurance quotes in UAE & Dubai are:
Why Should You Buy a MetLife Life Insurance Plan?
MetLife has been a trusted partner in the Gulf for over 65 years, providing financial and insurance solutions to help individuals, families, and businesses secure their future. With decades of experience, MetLife has adapted to changing times while staying true to its core promise, guiding you through life’s challenges and helping you achieve your goals.
Here are the reasons to consider buying MetLife life insurance in Dubai -
- Easy customisation of plans
- Round-the-clock customer care service
- Easy claim settlement process
- Manage policy online via myMetLife App
- Registered and regulated to operate in the UAE
- Worldwide portability on eligible plans
- Coverage available for both UAE residents and certain eligible non-residents
- Additional wellness benefits such as the MetLife Discount Card and Second Medical Opinion service on eligible plans
MetLife Life Plans at a Glance
|
Feature |
Live Life Now |
Live Life |
Future Protect |
|---|---|---|---|
|
Plan Type |
Online Term Life Insurance |
Term Life Insurance |
Investment-linked Life Insurance |
|
Primary Purpose |
Affordable online protection |
Family financial protection |
Protection + Wealth Creation |
|
Maturity Value |
No |
No |
Depends on investment performance |
|
Worldwide Cover |
Yes |
Yes |
Yes |
|
Investment Component |
No |
No |
Yes |
|
Optional Riders |
Yes |
Yes |
Yes |
|
Suitable For |
Young professionals and first-time buyers |
Families, homeowners, salaried professionals |
Long-term investors |
Types of the Best MetLife Life Insurance in the UAE
The following are the best MetLife insurance plans in the UAE along with their features-
Live Life Now Plan
|
Description |
Features |
Add-Ons |
|---|---|---|
|
For users looking for a faster digital purchase experience, MetLife also offers Live Life Now. This is an online term insurance solution designed for eligible UAE residents. The online journey allows applicants to receive a quote, complete the application digitally, and get coverage after approval. |
|
If your original life cover exceeds AED 200,000, the remaining balance of your life cover continues after the critical illness claim, subject to the policy terms.
If the insured person passes away due to an accident, the beneficiary can receive an additional payout of up to AED 1 million, depending on the selected cover. |
Who Can Apply?
You can apply for MetLife Live Life Now if you:
- Are between 21 and 60 years of age
- Are a UAE resident
- Meet MetLife's underwriting requirements
How Much Life Cover Can You Get?
The amount of life cover depends on your chosen premium and policy details. Generally, coverage ranges from AED 200,000 to AED 1 million. Higher coverage amounts are available after underwriting approval.
Sample Premium Illustrations
|
Applicant |
Monthly Premium* |
Life Cover |
Policy Term |
|---|---|---|---|
|
Ahmed (40 years) |
AED 73 |
AED 300,000 |
20 Years |
|
Hassan (45 years) |
AED 108 |
AED 500,000 |
10 Years |
|
Alice (35 years) |
AED 82 |
AED 700,000 |
20 Years |
*Illustrative examples only. Actual premiums vary based on your age, health, lifestyle, underwriting assessment, and the coverage selected.
Live Life Plan
|
Description |
Features |
Add-Ons |
|---|---|---|
|
This is a term insurance plan that financially protects the life assured’s family in case they pass away during the policy tenure. |
|
|
Why Choose the Live Life Plan?
- Instant Coverage: Protection begins immediately after approval.
- Worldwide Cover: Portable plan – stays valid even if you move outside the UAE.
- Quick Enrollment: Just 5 simple steps to apply online.
- Affordable Premiums: Starting from USD 60 annually.
Future Protect
|
Description |
Features |
Add-Ons |
|---|---|---|
|
This is a hybrid MetLife life insurance plan that offers benefits of both investment returns and life cover. You can adjust the contribution allocation based on your family’s needs. |
|
|
About the Future Protect Plan
- Eligibility: Entry age 18–65 years; maturity up to age 95.
- Currency Options: USD, GBP, or EUR.
- Premium Payment:
- Regular payments (monthly, quarterly, semi-annual, or annual)
- Initial Payment Period (12 or 24 months) invested in the MetLife Conservative Investment Account.
- Investment Growth:
- After IPP, premiums are allocated to chosen investment funds
- A conservative account ensures sustainable growth (non-guaranteed).
- Coverage:
- Minimum: USD 100,000
- Maximum: USD 50 million
- Non Residents: USD 5 million
- Premiums:
- Minimum annual: USD 1,800
- Excess premiums allowed (min USD 250, max 10× planned annual premium)
Which MetLife Insurance Plan is Right for You?
Choosing the right policy depends on your financial responsibilities and long-term goals.
|
Your Goal |
Recommended Plan |
|---|---|
|
Protect your family’s income |
Live Life |
|
Cover a home loan or major financial liabilities |
Live Life |
|
Build wealth while staying insured |
Future Protect |
|
Buy affordable life insurance online |
Live Life Now |
|
Secure your family’s future while living abroad later |
Live Life or Future Protect |
👉 Pro Tip: The smartest way to decide is to compare premiums, coverage, and benefits side by side. Platforms like Policybazaar.ae make it easy to find the plan that matches both your protection needs and your budget.
Key Features of MetLife Life Insurance UAE
Regardless of the policy you choose, MetLife offers several features that make its life insurance solutions attractive for UAE residents and expatriates.
Flexible Life Cover
You can choose a sum assured based on your financial commitments, income, family size, and future goals. Eligible plans offer coverage ranging from modest protection amounts to multi-million-dollar cover, subject to underwriting.
Worldwide Portability
Many MetLife life insurance plans continue to protect you even if you move out of the UAE permanently, as long as you keep your policy active and pay your premiums. This makes them a good option for expats.
Flexible Premium Payments
You can pay your premiums in a way that suits your budget: monthly, quarterly, semi-annually, or annually, depending on your chosen plan.
Digital Policy Management
Customers can manage their policies, view information, and access services through the myMetLife portal and mobile application.
Wellness Benefits
Eligible plans include additional value-added services such as:
- MetLife Discount Card for discounts on selected healthcare services
- Second Medical Opinion from international medical specialists
- Financial wellness support on eligible products
What are the Eligibility Criteria to Apply for MetLife Insurance in UAE?
MetLife life insurance in Dubai is designed to be accessible to a wide range of customers in the Gulf and beyond. The following are the eligibility criteria to apply for this plan –
- Age Requirement:
- Minimum entry age: 21 years
- Maximum age: Up to 85 years (varies depending on the specific product)
- Residency Status:
- Available for residents of the Gulf countries (UAE, Qatar, Bahrain, Oman, Kuwait)
- Non-residents may also apply for certain life insurance products
- Geographical Restrictions:
- Not available for residents of sanctioned countries
- In some cases, restrictions may apply to individuals living in high-risk countries (this list is subject to change)
👉 This broad eligibility makes MetLife a suitable choice for both Gulf residents and expatriates seeking reliable protection and financial security.
How to Make a MetLife Life Insurance Claim?
Following the correct claims process can help avoid unnecessary delays.
Step 1: Notify MetLife
Inform MetLife about the incident within 10 calendar days by emailing Gulflifeclaims@metlife.com.
Step 2: Submit the Required Documents
Submit all supporting documents within 30 calendar days. These usually include:
- Original Death Certificate
- Original policy documents
- Passport or Emirates ID copies of the policyholder and beneficiaries
- Medical reports, where applicable
If the incident happened outside the UAE, foreign documents may need to be translated into English or Arabic by an officially approved translator.
Step 3: Fill the Claim Forms
The beneficiary must complete the Claimant Statement (Form CL-39), while the treating doctor completes the Physician Statement (Form CL-40).
Depending on the situation, additional legal documents may also be required, such as:
- Succession Certificate (if beneficiaries are listed as legal heirs)
- Guardianship Certificate (for minor beneficiaries)
- Police Report (for accidental death)
Step 4: Receive the Claim Payment
Once the claim is approved, MetLife transfers the benefit to the beneficiary’s registered bank account. After receiving the payment, the signed claim receipt should be returned within 15 days, as required under MetLife’s claims process.
Where to Buy a MetLife Life Plan in the UAE?
You can effortlessly buy a MetLife life insurance plan through Policybazaar.ae. The platform offers a user-friendly interface. You can get the best plan in just a few simple steps.
When you buy MetLife life insurance in UAE from here, you enjoy the following benefits -
- Compare and choose the best life insurance plans
- Option to customise the insurance plans
- 24/7 customer care service
- Access to other insurance, banking and finance products
- Assistance from industry experts in case you get confused
Frequently Asked Questions
Do you have the flexibility to choose the premium payment currency?
Yes, you have the flexibility to choose the premium payment currency from AED, GBP, USD, and EUR.
Does MetLife UAE offer any hybrid insurance plan?
Yes, MetLife insurance offers a Future Protect plan that offers a life insurance plan that is a blend of investment and life cover.
What documents are required to submit a Permanent Total Disability claim?
You’ll need a completed physician’s Statement, along with a detailed medical report, test results (X-rays/CT/MRI/lab), and a police report in case of an accident. An employer letter, last salary slip, and the medical committee’s report on disability degree are also required.
Can I do unlimited fund switches?
This depends on your policy. Some contracts allow unlimited fund switches, while others permit up to 4 free transfers per year with a fee for additional ones. Check your policy endorsement form under “Fund Transfer Fee” for details.
What are the acceptable and safe methods to pay for my policy?
You can pay through Direct Debit/Standing Order, e-payments (myMetLife or app), wire transfer, cheque, debit, or credit card at MetLife offices.
What if I change my mind and no longer want the policy?
You can cancel anytime during the policy year if no claims have been made. Within the first 30 days (free-look period), you’ll get a full refund. After that, cancellation is still possible, and premiums will be refunded on a pro-rata basis.
What are the accepted payment methods for a MetLife life insurance policy?
You can pay your MetLife life insurance premium using any of the following secure payment methods:
- Direct Debit or Standing Order
- Online payment through myMetLife or the myMetLife mobile app
- Bank wire transfer
- Credit or debit card at a MetLife office
- Cheque
How can I set up automatic premium payments through myMetLife?
You can enable free auto-pay in just a few steps:
- Log in to your myMetLife account.
- Select the policy you want to enrol in for auto-pay.
- Click on ‘Subscribe’. If you don't see this option, first make a regular premium payment using the Pay Premium button. The Subscribe option will appear afterwards.
- Choose your preferred auto-payment date.
- Add or select your Visa or Mastercard and confirm.
A temporary USD 1 authorisation charge may appear when adding a new card, but it will be automatically refunded.
Will I receive reminders before my MetLife Insurance premium payment is due?
Yes. MetLife sends premium reminders 15 to 30 days before your renewal date, provided your email address is registered. You may also receive reminders through:
- SMS
- Automated phone calls
- Postal mail
What happens if I miss a MetLife Insurance premium payment?
If you miss a payment, your policy won't necessarily end immediately.
- Most policies include a grace period, during which you can pay the overdue premium without losing your coverage (subject to your policy terms).
- If your policy has an investment or account value, MetLife may use those funds to cover monthly charges until the balance is exhausted. After that, the grace period will begin.
What happens after I submit a life insurance claim?
Once MetLife receives your claim:
- You’ll receive an acknowledgement, and an initial review will be completed within 3 business days.
- If all required documents are complete, MetLife generally makes a claim decision within 10 calendar days.
If additional information is required, the claims team will contact you.
How long do I have to submit a life insurance claim?
You should notify MetLife within 10 calendar days of the insured event, such as the policyholder’s death. All required claim documents should be submitted within 30 calendar days to help avoid delays in processing.
How will my life insurance claim be paid?
After the claim approval, the benefit amount is transferred directly to the beneficiary's bank account.
To avoid delays, ensure you provide accurate banking details, including:
- Beneficiary’s name
- Bank account number
- IBAN or SWIFT code (where applicable)
Why did I receive a lower reimbursement than I expected?
If you're claiming under a health or medical benefit, the reimbursement amount may be lower because of your policy terms. Claims made at hospitals or clinics outside MetLife's approved network may also result in lower reimbursements. You’ll receive an Explanation of Benefits (EOB) showing how your claim amount was calculated.
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