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

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The best life insurance companies are financially strong, have minimal customer complaints, high customer satisfaction, various policy options, optional riders, and easy application processes.

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 companies in UAE. Explore the plans from these companies for 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. RAK National Insurance	10. Takaful Emarat

1. Zurich Insurance

Zurich is one name that comes first when we talk about top life insurance companies in Dubai. With a life policy from Zurich, you not only empower yourself but also your family by securing their future even in your absence. With its presence in over 35 nations, Zurich Insurance offers some of the best plans in the UAE.

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

Quick claim settlement process with 98.1% of claims settled in the previous 3 years
Customisable insurance plans
Round-the-clock customer care service
Total cover of USD 57 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 150,000 per child (for up to 3 children who are minors) Funeral coverage of USD 50,000
International 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
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 Lifetime coverage option

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 150,000 per child (for up to 3 children who are minors)
Funeral coverage of USD 50,000

International 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

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
Lifetime coverage option

2. MetLife Insurance

MetLife has had a strong presence in the region for more than 65 years. With its headquarters in Dubai, this is the top life insurance company in the UAE that aims to provide comprehensive and customisable insurance plans. Here are the best life insurance policies in UAE.

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

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

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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

4. Sukoon Insurance

One of the top life insurance companies in the UAE, Sukoon Insurance offers insurance plans that financially protect the policyholder and family in case of uncertainties.

Some of the reasons to buy a life insurance plan 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

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 life insurance plans from this provider are worth exploring —

Easy quotes and quick claim process
94% claim settlement ratio
Customisable plans
Shariah-compliant policies
So far, it has protected 450,000 customers

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 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	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

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, you can find the best life insurance policies in UAE that are vouched for their comprehensive solutions for both individuals and businesses.

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

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

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

Plans	Benefits
Life Protect Term Plan (Plan 278)	Death benefit Rider – Accelerated Critical Illness Rider

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. RAK National Insurance

Incorporated in 1974, Ras Al Khaimah National Insurance Company is one of the top life insurance companies in UAE. Currently having a paid-up capital of more than AED 121 million, it’s one of the oldest and most renowned insurance companies in the country and offers a comprehensive life insurance plan.

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

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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.

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