Best Life Insurance Companies in Dubai, UAE (2025 Updated List)

Why Choosing the Right Life Insurance Companies in UAE Matters?

Selecting the right best insurance in UAE is critical for several reasons —

Financial Security and Timely Payouts: The best insurers offer a high claim settlement ratio. This ensures your beneficiaries receive funds promptly when needed most.
Customisable and Comprehensive Coverage: Policies from reputable companies allow for add-ons like critical illness cover, disability protection, and riders for accident or premium waivers.
Customer Service, Transparency, and Ease of Process: Leading companies in the UAE excel in customer service, digital claims processing, and clear policy documentation. A smooth and transparent claims process reduces stress for families during crises.
Provider Integrity and Regulatory Protection: Highly rated insurers — like Zurich, MetLife, HAYAH, Sukoon, Salama, LIC International, and more — stand out for their reliability

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

Best Life Insurance Companies in UAE

While there are several life insurance companies in the UAE, finding the best one is a great challenge. To help you make an informed choice, we have curated a list of the best life insurance in UAE with their features and exclusive advantages —

List of Top Life Insurance Companies in UAE
1. Zurich Insurance	2. Metlife Insurance
3. Hayah Insurance	4. Sukoon Insurance
5. Salama Insurance	6. Union Insurance
7. LIC International	8. Orient Insurance
9. Watania Takaful	10. Takaful Emarat

1. Zurich Insurance

Zurich, one of the best life insurance companies in Dubai, helps people in over 200 countries stay safe and ready for the future. With a huge team of experts, it offers life coverage, critical illness cover, and savings plans to protect families like a safety net. They use smart digital tools to show customers what their future could look like and help them plan for it.

Its cordial advisers listen carefully, understand your life’s challenges, and create a special coverage just for each person so they can reach their financial dreams with confidence.

You can certainly choose to buy insurance from this life insurance company in the UAE for the following reasons —

Quick claim settlement process with 98% of claims settled
Customisable insurance plans
Round-the-clock customer care service
Total cover of USD 59.5 billion in the market

Top Zurich Life Insurance Polices

Plans	Benefits
Critical Illness Protection	Lump-sum payout if you are diagnosed with a critical illness during the policy period Flexible coverage length – between 5 to 35 years Types of cover — Comprehensive critical illness covers 34 illnesses; Cancer cover that covers 3 types of cancer Benefits that come with no additional costs — Child Cancer or Child’s Critical Illness Cover of USD 15,000 per child (for up to 3 children between 1 and 18 years) Funeral coverage of USD 5,000 paid to nominee
Term Assurance	Lump sum payout in case the life assured passes away during the policy tenure Additional cover, like a critical illness benefit Flexible coverage length - up to 35 years Flexibility to choose the beneficiary
YourLife &YourCare	Instant life and critical cover with no medical tests No hidden fees, premium stays the same Choose cover up to 1,000,000 Get added benefits like child cancer cover and funeral cost in YourCare plan
Futura	Lump sum payout in case the life assured passes away during the policy tenure Additional cover, like a critical illness benefit Premium payment flexibility Flexibility to choose the funds to invest in Use the funds to cover the cost of your insurance benefits

2. MetLife Insurance

MetLife has had a strong presence in the region for more than 65 years. With its headquarters in Dubai, this is one of the top life insurance companies in the UAE that provides comprehensive and customisable insurance plans.

Over the years, the company has adapted to changes while keeping their promise to guide customers through life’s ups and downs.

Top MetLife Insurance Polices

Plans	Benefits
Secure Plus	Flexibility — 24/7 global coverage, premium payment flexibility (annual, half yearly, monthly or quarterly) Optional hospital care benefit – weekly income benefit for up to 52 weeks when hospitalised due to sickness or accident Access to medical experts from the US in case of a diagnosed critical illness Exclusive discounts on optical, pharmaceutical, and dental products and services
Live Life	Lump sum payout in case of the life assured’s death — USD 50 million (for residents) and USD 5 million (for non-residents) Flexible coverage amount, premium payment options, and choice of currency Exclusive discounts on optical, pharmaceutical, and dental products and services Built-in Benefits (exclusive riders) — MetLife Discount Card Second Medical Opinion Add-on cash benefit to support your treatment and recovery from illness or accident
Future Protect	Lump sum payout in case of the life assured’s death — USD 50 million (for residents) and USD 5 million (for non-residents) Flexible coverage amount, premium payment options, and choice of currency Exclusive discounts on optical, pharmaceutical, and dental products and services Built-in Benefits (exclusive riders) — MetLife Discount Card Second Medical Opinion Add-on cash benefit to support your treatment and recovery from illness or accident

Buy Life Insurance Now

3. Hayah Insurance

One of the best life insurance companies in the UAE, HAYAH Insurance, has served over 150,000 individuals and businesses in the UAE. As a top-rated life insurance company, HAYAH offers plans to financially secure individuals and their families against unfortunate events. With a mission of empowering its customer base, the company offers comprehensive solutions through its life insurance policy. You should explore the best life insurance policies in UAE for

A digital life insurance plan that can be managed easily
Products regulated and approved by the Central Bank of the UAE
Customisable insurance plans
24/7 customer care services

Top HAYAH Insurance Polices

Plans	Benefits
Term Life Protect	Comprehensive coverage in case of death, terminal illness or disability for 1 to 35 years Coverage of up to USD 50,000,000 Flexible premium payment options — AED or USD Free temporary life cover Fixed premiums throughout the policy tenure
Simple Life	Payout in case of — natural death, accidental death, or accidental death in a common carrier Coverage of up to AED 3,600,000 Flexible premium payment option — monthly or yearly Option to insure your spouse under the same policy at a discounted rate Fixed premium rate throughout the tenure
Loan Protect	Coverage in case of death, terminal illness or disability for 1 to 35 years Coverage of up to USD 50 million Flexible premium payment options — AED or USD Free temporary life cover Fixed premiums throughout the policy tenure Access to HAYAH’s priority screening

4. Sukoon Insurance

Sukoon Insurance offers top-notch plans that financially protect the policyholder and family in case of uncertainties. As one of the top life insurance companies in the UAE, it has earned the trust of people to protect what matters most to them. From easy online services to fast claim payouts, the company always puts customers first. Its strong financial foundation and award-winning service have made it the trusted choice for over 1.36 million insured members.

Some of the reasons to buy best life insurance in UAE from this provider are —

Customer-centric insurance plans
High-quality products
Constant product upgradations
Round-the-clock customer care service

Top Sukoon Insurance Polices

Plans	Benefits
Life Guard	Policies for age groups ranging from 1 to 80 years Critical illness cover and permanent total disability cover till the age of 65 years No initial medical tests required for people below the age of 46 years Competitive rates on premiums for non-smokers Optional spouse cover Flexible premium payment Coverage for all medical tests and charges at the inception of the policy
Term Protect	Policies for age groups ranging from 1 to 80 years Flexible premium payment terms — monthly, half-yearly, yearly, quarterly, or upfront Built-in accelerated critical illness Riders available — Accidental death, critical illness, permanent total disability, and more Joint life option Competitive premium rates Global coverage
Whole-of-Life Insurance (Life Protect)	Coverage extended up to the age of 95 years Loyalty bonus and additional benefits Worldwide cover Critical illness cover up to the age of 95 years and permanent total disability up to the age of 65 years Flexibility to change the level of life insurance and premium Limited premium payment terms Unlimited free switches between funds Wide range of global investment options
Diabetic Care	Cancer cover at a small extra cost Provides a 20% additional payout if you lose a limb, as long as no benefit has been paid for the listed 6 critical illnesses Protection for diabetes related conditions Choose flexible payment options—monthly, quarterly, bi-annually, or annually
Unit Linked Insurance Policies	Three parts: Smart Invest, Elite Life, & Sukoon Advantage Smart Invest: All medical fees covered by the insurer Flexible premium payment Competitive premiums, especially for non-smokers Higher medical test requirement limits Policy terms of up to 61 years Sukoon Advantage: Range of global funds with expert portfolio management 5 to 20 years term for premium payment Easy switch between funds Elite Life Free premium holiday after 3 policy years Single or regular premium payment options Access to a wide range of global funds Option to top-up investments anytime Flexible life cover Free annual fund switching Ability to migrate plan from UAE to other countries Partial encashment allowed after 3 policy years

5. Salama Insurance

If you’re looking forward to Shariah-compliant plans, Salama Insurance is the way to go. This Islamic Takaful company is listed among the top 10 life insurance companies in UAE. Established in 1979, it is listed on the Dubai Financial Market and has a paid-up capital of AED 939 million.

The insurance solutions of Salama strictly comply with the Shariah law, making them sought after among the residents and non-residents alike. Here’s why the best life insurance in UAE from this provider are worth exploring —

Easy quotes and quick claim process
Customisable plans
Shariah-compliant policies
45+ years in the insurance industry
50 awards in the last 5 years

Top Salama Insurance Polices

Plans	Benefits
Hyat Superior	Family takaful covers up to the plan anniversary, up to the life assured’s 100th birthday Different types of life cover One cover one individual Dual cover – covers both lives Flexibility to choose currency — AED or USD Terminal illness benefit Optional protection benefits — accidental death benefit, waiver of contribution, permanent and total disability benefit, family income benefit, critical illness benefit, accidental dismemberment benefit, and hospital cash benefit
Hemaya Plus	Fixed-term protection plan Flexibility to choose currency AED or USD Built-in terminal illness cover Free lock-in period of 30 days Option to make it a joint life plan Additional benefits — critical illness benefit, permanent total disability benefit, waiver of contribution, accidental death benefit, family income benefit, and more
Hemayati Plus	Higher protection at competitive rates with tenures ranging from 5, 10 to 15 years Fixed contribution for fixed sum covered Assured maturity bonus payout No medical examination required Instant accident cover the moment you buy the plan Global coverage Flexible contribution plans — monthly or yearly
Hyat Secure	Guaranteed 85% protected contributions Family takaful covers up to the plan anniversary, up to the life assured’s 100th birthday (entry age: min. 18 years and max. 64 years Different types of life cover One cover one individual Dual cover – covers both lives Flexibility to choose currency — AED or USD Terminal illness benefit Optional protection benefits — accidental death benefit, waiver of contribution, permanent and total disability benefit, family income benefit, critical illness benefit, accidental dismemberment benefit, and hospital cash benefit

6. Union Insurance

Founded in 1998, Union Insurance is one of the top life insurance companies in the UAE. Holding a licence from the UAE Insurance Authority, Union is listed on the Abu Dhabi Securities Exchange. With this insurer, vouched for its comprehensive solutions for both individuals and businesses, you can find many options under the best life insurance in UAE.

Enjoy the following benefits if you buy plans from this provider —

Exceptional customer service
Digitalised policy issuance or submission, and claim tracking
Hassle-free claim process
Experienced technical team

Top Union Insurance Polices

Plans	Benefits
Smart Term Life	High sum insured of up to AED 5,000,000 Long-term coverage of up to 35 years Death due to pre-existing illnesses (covered after a waiting period of 6 months) Comprehensive protection in case of death due to accident or sickness Worldwide coverage Ease of issuance (sum insured of up to AED 1,000,000 without medical questionnaire and medical examination)
Smart Critical Illness	Global coverage Cover of up to AED 800,000 upon diagnosis of a critical illness A 5-year policy period No medical tests required Cover for a wide range of critical illnesses — cancer, stroke, renal failure, paralysis, major organ transplant, heart attack, bypass surgery, coma, loss of limbs, and multiple sclerosis
Infinity Life	Second medical opinion Accelerated death benefit Family travel cover Passive war risk cover Optional benefits — Accelerated critical illness benefit Permanent and total disability Waiver of premium benefit Pilgrimage benefit Level term benefit Hospital cash benefit Family income benefit Long-term care benefit Accidental death benefit Fresh start option
Super Secure	Death cover: 101% of fund value or higher (subject to underwriting) Multiple optional benefits for enhanced protection: Accelerated Critical Illness Benefit Waiver of Premium – Permanent Total Disability Waiver of Premium – Involuntary Loss of Employment Hospital Cash Benefit Family Income Benefit – Critical Illness Financial Assistance Benefit with Fresh Start Option Inbuilt passive war risk cover Upfront bonus at policy start Loyalty additions to boost long-term value
Flexi Life	Allocate premiums to funds of your choice with competitive allocation charges Change cover amounts, add/remove optional benefits, adjust premium payments, and access funds for short-term needs Monthly, quarterly, semi-annual, annual; additional single premiums anytime Regular premiums for life or fixed terms (min. 10 years) Home Shield, Family Travel Cover, free annual medical checkups, and competitive bonuses from policy years 6–13
Single Premium Plan	Put all your money in one plan and check how it’s doing anytime Choose from different investments to get steady income or grow your money Take out money when you need it during the plan term Get free life cover included in the plan Change your investments whenever you want Buy the plan without any medical tests (conditions apply)

7. LIC International

Founded in 1989, LIC International is one of the top 10 life insurance companies in UAE. If you are an NRI looking for life policies in the Middle East, this is a provider to look up to. Starting small with a USD 0.245 million asset base, it has now become a Billion-Dollar company. Top LIC International Polices

Here are the benefits of LIC International, providing excellent plans for those seeking the best life insurance in UAE –

Plans	Benefits
Life Protect Term Plan (Plan 278)	Pure term insurance plan with optional Critical Illness (CI) cover for 37 illnesses Premiums depend on health and habits (non-smokers pay less) High sum assured at low cost to protect family and health Minimum sum assured: USD 100,000 Non-profit plan (no maturity/surrender value) Critical Illness Rider (Optional) Covers 37 critical illnesses like cancer, heart attack, stroke, kidney failure, organ transplant, blindness, coma, major burns, etc Rider payout: Lump sum on diagnosis of covered illness. Rider sum assured: Min USD 100,000, max lower of 50% of basic sum assured or USD 500,000

Plans

Benefits

Life Protect Term Plan (Plan 278)

Pure term insurance plan with optional Critical Illness (CI) cover for 37 illnesses
Premiums depend on health and habits (non-smokers pay less)
High sum assured at low cost to protect family and health
Minimum sum assured: USD 100,000
Non-profit plan (no maturity/surrender value)

Critical Illness Rider (Optional)

Covers 37 critical illnesses like cancer, heart attack, stroke, kidney failure, organ transplant, blindness, coma, major burns, etc
Rider payout: Lump sum on diagnosis of covered illness.
Rider sum assured: Min USD 100,000, max lower of 50% of basic sum assured or USD 500,000

8. Orient Insurance

Established in 1982, Orient Insurance is a part of Al-Futtaim Group. This life insurance company in the UAE has a paid-up capital of AED 500 million and an A+ credit rating.

The company has a wide range of network branches in Abu Dhabi, Sharjah, Jebel Ali, Al Ain, and Ras Al Khaimah that offer an array of services.

Top Orient Insurance Polices

Plans	Benefits
International Term Plan	Covering death, disability and critical illness Same rates for smokers and non-smokers Built-in benefits like terminal illness and passive war risk Additional protection from 37 critical illnesses Global coverage Digital policy issuance

9. Watania Takaful

Watania International Holding PJSC (WIH), earlier called Dar Al Takaful PJSC, is a company listed on the Dubai Financial Market with the ticker WATANIA. It started in 2008 and grew by joining with other Takaful companies, buying Noor Takaful in 2020 and merging with National Takaful Company (Watania) in 2022. This made it one of the best life insurance companies in Dubai. In March 2023, it became an investment holding company, focusing on Shari’ah-compliant investments in Takaful and related services.

Plans	Benefits
Life Care	Grow and manage your wealth while staying protected High coverage amount to secure your family’s future Cover business loans or liabilities in case of unforeseen events Income protection to replace earnings if you can’t work Plan for liabilities like loans and mortgages Get both savings and life cover in one plan
Pure Protection	Stay financially stable in case of disability or death Open to UAE nationals and residents with a valid UAE visa Entry age between 18 and 70 years Pay for 5 to 30 years Minimum yearly payment of AED 1,200 Choose AED or USD as currency Life cover from AED 10,000 (USD 2,500) up to AED 50,000,000 Worldwide coverage 30-day free look period to review the policy 30-day grace period to pay overdue premiums Includes death cover as a basic benefit Add-ons available for permanent disability, additional death cover, and critical illness (up to 15 years)

Plans

Benefits

Life Care

Grow and manage your wealth while staying protected
High coverage amount to secure your family’s future
Cover business loans or liabilities in case of unforeseen events
Income protection to replace earnings if you can’t work
Plan for liabilities like loans and mortgages
Get both savings and life cover in one plan

Pure Protection

Stay financially stable in case of disability or death
Open to UAE nationals and residents with a valid UAE visa
Entry age between 18 and 70 years
Pay for 5 to 30 years
Minimum yearly payment of AED 1,200
Choose AED or USD as currency
Life cover from AED 10,000 (USD 2,500) up to AED 50,000,000
Worldwide coverage
30-day free look period to review the policy
30-day grace period to pay overdue premiums
Includes death cover as a basic benefit
Add-ons available for permanent disability, additional death cover, and critical illness (up to 15 years)

10.Takaful Emarat

Incorporated in 2008, Takaful Emarat is one of the top life insurance companies in the UAE. It is a Shariah-compliant Takaful company with comprehensive life covers that protect the policyholder and their family in case of any uncertainty. The life insurance plans from this provider comply with Shariah-laws while catering to the emerging needs with a modern approach.

Top Takaful Emarat Polices

Plans	Benefits
Fixed Term	Tenure ranging from 5 to 25 years Age group — 18 to 65 years Choice of currency between AED and USD Compulsory benefits like repatriation and death by any cause Surplus sharing (if any) at the time of death or when the contract expires Additional benefits — critical illness benefit, permanent and partial disability, accidental death benefit, permanent total disability
Decreasing Term	Same payment rate each year, irrespective of age Death benefit Surplus sharing (if any) at the time of death or when the contract expires Plan tenure — 5 to 25 years Age group — 18 to 65 years Additional benefit — permanent total disability

Click to Buy Life Insurance

How to Choose the Best Life Insurance in the UAE?

Here are some tips to select the best life insurance in UAE —

Buy Early — Premiums are lower when you’re younger. Buy life insurance as soon as you start earning to save on costs.
Set Life Insurance Goals — Decide whether your primary goal is to secure your family's financial future with an insurance plan or save for specific goals like your child's education with a unit-linked insurance plan.
Calculate Optimal Coverage — Ensure your coverage is at least 10-15 times your annual income. Consider family expenses, debts, future costs, and subtract your liquid assets to find the right amount.
Determine Premium Amount — Use online calculators to compare policies and find the best deal. Match your premium paying tenure with your future earnings.
Select Policy Term — Choose a term based on how long your family will depend on you financially, typically until you stop earning.
Choose a Reputable Insurer — Look for companies with a high Claim Settlement Ratio (CSR) and read customer reviews to ensure reliable service.
Disclose All Facts — Inform your insurer about tobacco or alcohol use, hazardous jobs, or existing illnesses to avoid future claim rejection.
Read the Policy Document — Understand terms, conditions, lock-in periods, and claim conditions before committing.
Choose a Comprehensive Plan — If required, go for riders like Critical Illness, Accidental Death Benefit, Permanent Disability, and Terminal Illness to enhance your coverage.
Regularly Review Needs — Reassess your insurance needs periodically and adjust your coverage to match changing financial goals and life events.

Key Factors in Evaluating the Best Life Insurance Companies

1. Financial Strength and Longevity

Pick a company with proven financial stability. Check ratings from agencies like Fitch, Moody’s, and Standard & Poor’s to see if the insurer can meet its long-term obligations and pay claims without issues.

2. Customer Service and Claims Management

Great customer service means quick and hassle-free claims, helpful staff, and clear communication. Top insurers make the process simple, which improves the overall policyholder experience.

3. Policy Variety and Customization

The best insurers offer different plans such as term life, whole life, and Takaful (Sharia-compliant insurance). Flexible options and add-ons like critical illness riders or accidental death benefits allow you to tailor coverage to your needs.

4. Special Features and Added Benefits

Look for extra benefits like:

Critical illness protection: lump sum payout upon diagnosis of a covered illness.
Premium waiver: your policy stays active without payment if you’re disabled.

5. UAE Market Expertise

Choose a company familiar with UAE laws, cultural needs, and expat requirements. Local expertise ensures the right coverage, including Sharia-compliant options where needed.

How Policybazaar.ae Help Find the Best Life Insurance Company in UAE?

Comprehensive Comparisons

Policybazaar.ae lets you compare plans from top insurers side-by-side, checking features, benefits, and prices in minutes.

Expert Insights

Our specialists explain complex terms in simple language. They help you find a plan that fits your budget and goals.

Exclusive Access

Get special discounts and deals only available on Policybazaar.ae, ensuring more value for your money.

Success Story – How We Helped Tasim

Tasim, an expat in Abu Dhabi, wanted to secure his family’s future without overspending. Using Policybazaar.ae, he compared multiple plans, found the right balance between cost and coverage, and bought his policy online. Today, he has peace of mind knowing his family is financially protected.

Know Everything About Life Insurance
Insurance for Job Loss	How to Get Loan Against Insurance Policy
Medical Test Required for Life Insurance	How Does Life Insurance Work After Death
Whole Life Insurance Dubai	Whole Life vs Endowment Insurance
Advantages of Life Insurance	How VAT Affect Life Insurance?
Life Insurance Premium Calculator	Life Insurance Vs Health Insurance