Union Life Insurance

Union Insurance Company, established in 1998, is one of the reputed insurance providers in the UAE and Middle East. Licensed by the UAE Insurance Authority, it is listed on the Abu Dhabi Securities Exchange. Located in Dubai, it is known for providing a range of insurance products for individuals and businesses — from travel and health to life and more.read more

Written ByAashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed ByAtul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 24 June 2025Editorial Standards

With Union life insurance plans, you can get super-valuable insurance coverage for comprehensive financial protection. Additionally, with the assistance of the industry’s top and experienced professionals, it offers a seamless claim process that can be of great help amidst unfortunate circumstances.

Why Should You Choose Union Life Insurance in the UAE?

We have mentioned a few key reasons why Union Life Insurance is a top choice in the UAE:

1. Comprehensive Life Insurance Plans

Union Insurance offers a wide range of comprehensive life insurance plans that cover your basic to extensive needs.

2. Financial Protection

With the company's life insurance plan, you can be assured that in the event of your demise your dependents will not suffer financially.

3. Exceptional Customer Support

Union Life Insurance Dubai has an in-house team of experts providing robust customer support at every step. You can get assistance in choosing the right policy to make your claim from experienced professionals.

4. Hassle-Free Claim Process

You can smoothly make a claim with the Union Life Insurance plans. Their digital channels are smooth and easy to use. You can also track the claim process.

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Types of Union Life Insurance Plans in the UAE

Union Insurance offers many life coverage plans designed for individuals —

Smart Term Life
Smart Critical Illness
Infinity Life
Super Secure
Flexi Life
Single Premium Plan

Union Life Insurance Plans Features

Union Life Insurance Types	Key Features
Smart Term Life	Coverage up to 35 years Comprehensive coverage against death due to illness or accident High sum insured of up to AED 5,000,000 Sum insured of up to AED 1,000,000 without medical questionnaire and tests Covers death due to pre-existing illness after 6 months of the policy
Smart Critical Illness	5-year plan with annual premiums Easy to enroll without any medical examinations Coverage against a range of critical illnesses including, Cancer, Heart Attack, Stroke, Bypass Surgery, Coma, Paralysis, and more Provides worldwide coverage Offers a cover of up to AED 800,000
Infinity Life	Unit-linked life insurance plan Loyalty and persistence bonus Death benefit Passive war risk cover Family travel cover Hospital cash benefit Critical illness benefit Permanent and total disability benefit
Super Secure	Unit-linked insurance policy Option to select 101% of the fund value as Death cover Upfront bonus and loyalty addition Provides regular income after retirement Accelerated critical illness benefit Passive war-risk benefit Hospital cash benefit
Flexi Life	Life insurance plan with investment options Family travel cover Free annual medical checkups Competitive bonus structure between 6-13 years of the policy term Flexible premium payment options
Single Premium Plan	Unit-linked life insurance plan Death benefit A range of investment options Easy to purchase without any medical examinations Access to funds for short-term needs

Documents Required for Union Life Insurance Claim

You may need to submit the following documents to initiate a Union Life Insurance settlement:

Emirates ID
Passport with UAE Resident Visa
Proposal Form

Note: Additional documents may also be required if requested by the Union Insurance Company.

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Union Insurance Claim Process

Without any hassles you can make a Union Insurance claim settlement by following the steps below:

1. Claim Intimation

Write an email at IPOps@unioninsurance.ae with details such as policy number, policyholder’s name, DOB, date of event, claim type and description of incident.

2. Documents Submission

Once your claim is initiated, you will receive an acknowledgement email from UIC. This will comprise your claim reference number and required documents. Please ensure that you submit the complete documents within 2 working days to avoid any delays.

3. Claim Processing

Your claim will be processed within 10-15 working days and you will get an update on your registered email address.

4. Claim Approved

If approved, you will get the claim settlement of Union Life Insurance within 15 working days from the date of the discharge receipt.

Union Life Insurance in UAE Contact Details

Here is how you can get in touch with the Union Insurance company:

Address- Single Business Tower, Sheikh Zayed Road, P.O Box 119227 Dubai, UAE
Toll-free number- 800 UIC4U (84248)
Email- info@unioninsurance.ae
Telephone- +971 56502 9975
Working hours- Monday to Thursday: 8 am – 5 pm and on Friday: 8 am – 12 pm

Frequently Asked Questions

If you are between the age of 18-60 years, you can buy a Union Life Insurance Plan.

Yes, Union Insurance provides a free-look period through which you can cancel the policy within 30 days of purchase.

You can easily buy life coverage from Union Insurance by providing basic details such as your name, date of birth, sum insured, policy tenure and smoker/non-smoker status.

There are many exclusions in the Smart Term Life plan such as death due to war-related activities, aerial sports, suicide, nuclear explosion, pre-existing medical conditions and more.

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Reviews & Ratings

★★★★★4.7 / 5

(based on 44,602 reviews)

Ankur KumarDubai, 3 September 2026

★★★★★

Smooth and Hassle-FreeThe online application was very simple. I compared different life insurance plans from leading UAE insurers and selected the one that suited my needs at pbUAE. Customer support was excellent throughout journey.

Mohammed AlkhaldiAbu Dhabi, 25 August 2026

★★★★★

Financial Protection for FamilyBought a HAYAH Life Insurance Plan to make sure my family is financially secure if anything happens to me. The process was transparent with policybazaar.ae and there no hidden surprises later.

Abdul AlimAbu Dhabi, 23 August 2026

★★★★★

Good Experience OverallI was confused between life insurance and term insurance. PbUAE advisor took time to explain the difference and helped select life cover. Premium manageable and coverage is decent.

Sharif Mia Abdul AwalAbu Dhabi, 22 August 2026

★★★★★

Best Option for Long-Term SecurityAfter becoming parent, life insurance became a priority. Chosen a Life insurance plan from PBUAE because it offered long-term protection. Application process was easier than I expected.

Aditya Sanjay BairathiDubai, 19 August 2026

★★★★★

Got Protection Plus SavingsI wanted a plan that provides life cover and also helps me save for the future. Bought a metLife whole insurance plan from PBae and the benefits were explained very clearly. Happy with my decision.

Yousef Ibrahim Obaid Dhelea AlzaabiAbu Dhabi, 16 August 2026

★★★★★

Good Value for MoneyCompared many term plans in UAE before deciding. Got a high coverage amount for a reasonable premium. Everything was explained clearly including claim process and exclusions. Very satisfied.