Personal
Life Insurance
From straightforward term cover to international high-net-worth structures, we arrange life insurance that protects your family, your mortgage and the wealth you are building in the UAE.
Life insurance in the UAE splits into two worlds. Onshore, retail term and whole-of-life plans are distributed by brokers regulated by the Central Bank of the UAE, which took over insurance supervision from the former Insurance Authority in 2021. In parallel, the DIFC has become a hub for international life insurance aimed at high-net-worth families: Manulife opened the centre's first international HNW life office under a DFSA licence, and Sun Life followed with its own DIFC operation serving the Middle East from 2024.
For clients with significant assets, we work with international providers whose plans are built for estate planning rather than simple protection. That includes Triangle Life, a Bermuda-based insurer founded specifically for the high-net-worth market, whose Global Harmony indexed universal life plan is distributed through independent brokers, alongside the DIFC propositions from Sun Life and Manulife. These structures are used for wealth transfer between generations, liquidity for estate settlement, and protecting internationally spread portfolios.
Life cover also has a very practical role in Dubai property: UAE banks require life insurance as a condition of mortgage lending, and will place their own policy at your cost if you do not bring one. Assigning a competitively priced term or reducing-term policy instead of accepting the bank default typically saves meaningful premium over a 25-year loan, and keeps the cover portable if you refinance.
Because we sit alongside your property and company structures, we scope life cover against the full picture: the mortgage on the villa, the shareholding in the free zone company, the school-fee horizon and the succession plan. Then we bring in the right licensed broker or DIFC provider and manage the medical underwriting and paperwork with you.
International life insurance partners
Triangle Life
Bermuda-based life insurer founded for the high-net-worth market, known for its Global Harmony indexed universal life plan, distributed through independent brokers across international financial centres.
Sun Life
Canadian insurer with a DIFC office serving the Middle East since 2024, providing international life solutions for wealth transfer and asset protection through regional intermediaries.
Manulife
Canadian insurer whose DFSA-regulated DIFC arm advises on and arranges international life cover issued through its Bermuda operations for high-net-worth clients.
What we arrange
- Term life and reducing-term cover for UAE mortgages
- Whole-of-life and universal life structures
- International HNW plans via Triangle Life, Sun Life and Manulife
- Wealth transfer and estate liquidity planning
- Education and savings-linked plans
- Keyman cover for founders and key staff
- Assignment of policies to UAE mortgage lenders
- Medical underwriting support and annual reviews
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Is life insurance mandatory in Dubai?
No law obliges residents to hold life insurance. In practice, UAE banks require life cover as a condition of mortgage approval, so most property buyers with financing need a policy. You can usually assign your own policy instead of taking the bank's default cover, which is often cheaper.
Who are Triangle Life, Sun Life and Manulife?
All three are international life insurers focused on high-net-worth clients. Triangle Life is a Bermuda-based insurer founded for the HNW market and distributed through independent brokers. Sun Life and Manulife are large Canadian insurers that both operate DIFC offices serving the Middle East, with policies typically issued through their international operations. Access to all three is through licensed brokers and advisers rather than direct retail.
What is indexed universal life?
Indexed universal life is permanent cover whose cash value grows with reference to a market index, subject to caps and floors set in the policy. HNW families use it for estate liquidity and wealth transfer because it combines a large death benefit with tax-efficient accumulation. It is a long-term commitment and needs proper advice on funding levels.
Can expats keep UAE life policies if they leave?
International plans issued through DIFC or offshore providers are generally portable across borders, which is one reason globally mobile clients prefer them. Onshore retail policies vary by insurer, so portability is one of the first things we check when scoping cover.
How much life cover do I need?
A common starting point is covering outstanding debts plus a multiple of annual income and future commitments such as school fees. For business owners we also look at shareholder protection and keyman exposure. We model this with you before approaching providers so quotes reflect the right sum assured.
Other cover we arrange
- Medical InsuranceDHA-compliant individual and family health plans, from Essential Benefits Plans to international cover with worldwide networks.
- Group Medical InsuranceCorporate health cover for UAE employers, from two-person startups to hundred-strong teams, DHA-compliant and benchmarked on network and price.
- Motor InsuranceComprehensive and third-party motor cover under the UAE unified policy, with agency repair, GCC extensions and fleet programmes.