National Life and General Insurance

Important Update: Many people still search for National Life Insurance UAE or National Life & General Insurance UAE (NLG). However, the company now operates under the name Liva Insurance, following its merger with RSA Middle East. Existing policyholders continue to receive the same coverage, while new and renewed policies are issued under the Liva brand.

Quick Facts About National Life & General Insurance (Now Liva)

National Life Insurance — An Overview

National Life and General Insurance Co SAOG (NLG) was founded in 1995. It’s now a leading insurer not just in the UAE but in Kuwait and Oman as well. Across the Emirates, it is known for its customer-centric solutions and prompt assistance. Over the years, the company’s work has earned it awards like the Excellence in Insurance Services Award (2023) in Oman, Industry Leader in Sustainability in Insurance (2023), and more. Currently, it has been rebranded as Liva after the merger of RSA Middle East and NLGIC.

The name Liva means "protection" and "life." It brings together six well-known insurance companies, including Al Ahlia, Al Alamiya, and Inayah TPA, for simple and digital insurance solutions. Liva Insurance B.S.C (C) underwrites these policies and has an AM Best Financial Strength Rating of A- (Excellent), showing its strong ability to pay claims and meet its commitments to policyholders.

This guide explains how Liva Insurance UAE works, what happens when you renew your policy, and how you can continue enjoying your policy benefits.

Clearing the Confusion: National Life and General Life Insurance Vs. National General Insurance (NGI)

Liva and National General Insurance (NGI) are also two names that people confuse. However, they are two different companies.

1. Liva (Previously NLGIC & RSA)

Liva was formed after the merger of National Life & General Insurance Company (NLGIC) and RSA Middle East. It has its regional headquarters in Dubai, while its parent company is listed on the Muscat Stock Exchange (MSX). Liva offers a wide range of products, including life insurance (personal accident cover), medical, and motor insurance.

2. National General Insurance (NGI)

National General Insurance (NGI) is a separate UAE insurance company established in 1980. Listed on the Dubai Financial Market (DFM), it is not connected to the NLGIC-RSA merger or the Liva brand.

Does Liva Sell Individual Life Insurance in the UAE?

The answer is no. Liva does not currently sell individual term life insurance or whole life insurance directly to customers in the UAE.

However, Liva does provide Group Life Insurance for companies, SMEs, and their employees. If you are looking for personal protection, you can consider Liva's Personal Accident Plan (PAP).

Liva's Personal Accident Plan (PAP)

Liva's Personal Accident Plans are designed for affordable financial protection against unexpected accidents. Backed by Liva's strong presence across the GCC, these plans are available in the UAE. Corporate and embassy plans start at regional rates from around OMR 10 (AED 96). You must be 18 to 65 years old to buy a standard Personal Accident Plan.

1. Personal Accident Plan for Individuals

This plan is suitable for individuals looking for simple protection against accidental injuries.

2. Personal Accident Plan for Embassies & Corporate Groups

This plan is designed for embassy staff, company employees, and sponsored workers.

Activities That are Not Covered

The policy generally does not cover accidents that happen while taking part in certain high-risk activities, such as:

• Flying an aircraft or working as a pilot or crew member (commercial passengers are covered)
• Scuba diving
• Water ski jumping or water ski tricks
• Most winter sports (except recreational skating or curling)
• Boxing, wrestling, judo, karate, or other martial arts
• Motor racing or competitive motorcycling
• Mountaineering, cave exploration, power boating, hunting, or horse racing
• Football, unless it is played as amateur association football (soccer)

Important National Life Insurance Policy Renewal Rules: Grace Period and No Claims Discount (NCD)

If your Liva (National Life insurance policy) is about to expire, it is important to renew it on time. Missing the renewal deadline can lead to financial and legal issues.

1. The 7-Day Grace Period

Liva gives you a 7-day grace period after your policy expires.

• Within these 7 days: You can renew your existing policy without buying a new one.
• After 7 days: Your policy will lapse, and you will need to buy a completely new policy. This may require a fresh medical assessment, depending on the plan.
• No Coverage During the Gap: You are not covered by insurance between your policy expiry date and the start date of your new policy.

2. Protect Your No Claims Discount (NCD)

Your No Claims Discount (NCD) can reduce your insurance premium by up to 50%.

• Your NCD remains valid if you renew your policy on time or within the 7-day grace period.
• If you renew after the grace period, you may lose your automatic discount. You may also need to submit a new NCD certificate from your previous insurer to claim the discount again.

3. Update Your Policy at Renewal

Renewal is also a good time to review your coverage. For major changes to your policy, contact Liva's customer support at 800 772.

Why Buy National Life Insurance in UAE?

With National Life and General Insurance Company (NLG), you get some of the most affordable life insurance plans. The company also has a strong record of customer service, which can prove beneficial in unfortunate circumstances.

Here’s why you can consider NLG term life insurance —

• High sum assured available
• 24/7 customer service
• Flexible repayment tenures
• Global coverage
• Multiple payment terms — monthly, quarterly, annually, or half-yearly
• Quick claim settlement

How to File an NLG Life Insurance Claim?

Here’s how you can easily file a National term life insurance claim —

• Download the claim form from the official website
• Collect the necessary documents (covered below)
• Submit the form and the documents to the insurer
• The beneficiaries will get the death benefit after the insurer processes the claim

Note: While you can file the claim online, you can also send documents through courier to the following addresses —

• Dubai — 37th and 38th, Burj Al Salam, Sheikh Zayed Road, Trade Centre, Trade Centre 1, Dubai | +971 4 396 1331
• Abu Dhabi — 1st Floor, Dhafir Tower, Fatima Bint Mubarak Street Electra — Najda Intersection, Abu Dhabi, P.O. Box - 26551 | +971 2 6445770

Customer Care: 800 772

Things to Check Before Buying a Liva Policy

Before buying your Liva insurance policy, consider the following:

• Check the TPA (Third-Party Administrator): If you are buying insurance, find out which TPA handles medical claims. Liva uses Inayah TPA LLC for many of its insurance services.
• Review the Hospital Network: Make sure your preferred hospitals and clinics are included in your policy network to avoid higher medical expenses.
• Read the Policy Exclusions: Don't choose a policy based only on price. Read the policy wording carefully to understand the exclusions, deductibles (excess), and coverage limits.

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