Buy Best Term Life Insurance Plan @AED 50/Mon* Online in Dubai, UAE 2025

What is Term Insurance in UAE, Dubai?

Term insurance is a type of life insurance. It offers financial protection for a set period — usually between 5-35 years. In case of the death of the insured individual in the policy tenure, the insurance company pays a death benefit to the insured’s beneficiaries.

It offers a lump sum payout to your beneficiaries if you pass away during the policy term, ensuring your family is taken care of in difficult times. With flexible coverage options, you can choose the sum assured and policy length that best fits your needs.

Whether you have growing children, a mortgage, or other financial commitments, term insurance provides peace of mind knowing your family’s future is secure. Plus, premiums are typically lower than other types of life insurance, making it an accessible choice for many. It’s straightforward, reliable, and designed to give you the protection you need at an affordable price.

Best Term Insurance Plans in UAE

Here are the best term insurance quotes in UAE:

Policy Term

Age

Cover

Payment Frequency

YearlyMonthly

98.1% Claim Settlement Ratio

Term Life Protect

Life Cover (AED)1,000,000

Policy Term (Years)10

COVID-19 Coverage
Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

97.5% Claim Settlement Ratio

DigiTerm

Life Cover (AED)1,000,000

Policy Term (Years)10

COVID-19 Coverage
Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

98% Claim Settlement Ratio

International Term Assurance

Life Cover (AED)1,000,000

Policy Term (Years)10

COVID-19 Coverage
Pre Existing Disease Coverage: Subject to Approval*
Medical Checkup Not Required
Worldwide Coverage

97.5% Claim Settlement Ratio

DigiCI (Critical Illness)

Life Cover (AED)1,000,000

Policy Term (Years)10

COVID-19 Coverage
Medical Checkup Not Required
Worldwide Coverage

97.4% Claim Settlement Ratio

International Term Plan

Life Cover (AED)1,000,000

Policy Term (Years)10

Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

Key Specifications of Term Life Insurance in UAE

Particulars	Specification
Term Insurance Cost	Starting at AED 50
Plan Coverage Amount	AED 1 million
Minimum Entry Age	18 years
Maximum Entry Age	65-79 years depending on the insurer
Term Insurance Plans Tenures	Starting 5 years to 35 years
Countries Covered	190+ Countries covered
Coverage	Accident From Day One Sickness From Day One COVID-19 Coverage Worldwide Coverage
Who Should Buy a Term Insurance	Young Professional Parents Newly Married Couple Self Employed Individuals Working Women and Single Parents
Features & Benefits	Flexible Tenure ( starting 5 years to 35 years ) Flexible-Premium Payment Options Easy to Buy High Insured Sum Flexible Payout Options
Claim procedure	Can Claim both online and offline
Claim Settlement Ratio	94-98%

Why You Need Term Life Insurance in UAE?

With the fast-paced lifestyle in Dubai, people’s priorities around their families, finances, and well-being are changing. This has also encouraged more people to think of term insurance as a key part of their financial planning.

Here’s a list of some common issues and how term coverage can help you tackle them —

Reason	Description
Homes are Getting Too Costly	Rent and house prices in Dubai are still on the increase. In many cases, families move hundreds of miles away from their place of work, simply to afford to live in a house. If something unfortunate happens to you, the burden will fall on your family. With a term life policy, however, your family can afford housing and living expenses. This saves them from financial strain in an already stressful time.
Most People Have Loans	An increasing share of the UAE’s population borrows money to purchase housing, cars, or other items. Term insurance helps by paying the money to the family. This way, your family doesn’t have to be concerned about such payments, even if you’re not there.
Work Doesn’t Always Keep Up with Costs	In Dubai, you can find plenty of employment opportunities. At the same time, daily bills may grow at a faster rate than wages. A term policy can save your family from such inflation stresses — they will be okay even in unfortunate circumstances.
Health Issues at Younger Ages	Due to a sedentary lifestyle and less mobility, even young people are facing health problems like heart disease. In the aftermath of COVID-19, more and more families now think: “What if something happens to me?” That's where term life insurance becomes a ray of hope to feel safer.
Expats Need Extra Protection	Most people in Dubai are expats (foreigners). Term cover helps by giving the family money immediately. As a result, they can continue living there and maintain their lifestyle.
Hospitals Cost a Lot	Even with health cover, treatment in a private hospital in the UAE can be expensive. When you fall seriously ill, it can hit the family savings. However, most term life plans come with the option of critical illness cover. This pays out a lump sum if you’re diagnosed with a critical illness. With the sum assured, you can meet your debts and maintain your family’s lifestyle.
Families Who Prepare Ahead	All parents wish to save for their children. But if something goes wrong, it's all gone for good. That is where term insurance in Dubai comes in. It ensures that the future of your children and family is secure, even with all the uncertainty that life has in store for you.

Compare Best Term Insurance Plans Dubai, UAE 2025

Here’s the rundown of the best term life insurance plans in UAE for your reference —

HAYAH Term Life Protect	Zurich International Term Assurance
Benefits Death Benefit Riders Critical Illness Cover Waiver of Premium Benefit Temporary Life Cover Permanent Total Disability Benefit Passive War Risk Terminal Illness Benefit read more View Plans	Benefits Death Benefit Riders Critical Illness Cover Terminal Illness Benefit Permanent Total Disability Benefit Waiver of Premium Benefit read more View Plans
MetLife Live Life	MetLife Live Life Now
Benefits Loss of Life Benefit Riders Second Medical Opinion Accelerated Critical Illness Accidental Loss of Life Permanent Total Disability Benefit Personal Accident on Life Hospital Care MetLife Discount Card Accidental Terminal Illness Benefit Waiver of Premium Cover War Risk Accidental Care read more View Plans	Benefits Death Benefit Riders Second Medical Opinion Accelerated Critical Illness Accidental Loss of Life MetLife Discount Card Accelerated Terminal Illness read more View Plans
Sukoon Lifeguard	Orient International Term Plan
Benefits Death Benefit Riders Critical Illness (Accelerated and Additional) Permanent and Total Disability - Accident Accidental Death Benefit Hospital Indemnity Rider Permanent and Total Disability - Accident and Sickness Waiver of Premium due to Permanent and Total Disability Benefit read more View Plans	Benefits Death Benefit Riders Terminal Illness Permanent Total Disability Passive War Risk Critical Illness Benefit read more View Plans
Takaful Emarat Fixed Term	LIC Life Protect Term Plan 278
Benefits Death Benefit Riders Critical Illness Benefit Terminal Illness cover read more View Plans	Benefits Death Benefit Riders Accelerated Critical Illness Rider read more View Plans

Types of Term Insurance in UAE

There are various types of term plans in UAE that you can choose as per your security needs and family obligations:

Level Term Insurance

It is the most common type of term insurance in the UAE. In a level term plan, the premium is pre-decided and remains unchanged throughout the tenure. Among all the term insurance plans, a level term cover is the cheapest in UAE.

Increasing Term Plan

An increasing term plan is a term policy that increases your assured sum every year at a specific rate. The rate of increment is pre-defined and disclosed to the policyholder at the time of purchasing the plan. The increasing term cover is best suited for individuals with changing life situations since the assured sum increases tackling inflation. Here, the premium for term life insurance UAE may or may not change over the period as per your insurer.

Decreasing Term Plan

Unlike increasing term cover, decreasing term plans reduce the assured sum with every passing year. Again, the declining rate of the assured sum is pre-specified as per your age and health during the plan purchase. Decreasing term policy is suited for individuals with active loans or mortgages. Such term plans work on the notion that your liability decreases with your age, which shows in the reducing sum assured too.

Convertible Term Insurance

With convertible term insurance UAE, you get the option of converting your policy into whole life insurance, endowment, or money back plan. Individuals with changing financial situations can opt for convertible term insurance. To convert your plan, the insurer may require additional documents or medical check-ups as per the policy requirements.

How Does Term Insurance in UAE Work?

A term life insurance policy provides life cover for a fixed policy tenure
This period could be anywhere between 5 years and 35 years
You pay a premium in exchange for life cover, which is usually 10-20 times the annual income
If you pass away during policy tenure, the beneficiary or nominee receives a death benefit
If you survive, the policy simply lapses.

The earlier you buy the policy, the lower the premium and the higher the life cover. You can also go for riders at your convenience and budget.

How Term Insurance Plan Works?

27 Years

Meet Sadiq, who has a life insurance cover of AED 1 million for 30 years

27 to 57 years

He pays the premium regularly for the next 30 years

Before Turning 57

Unfortunately, he passed away, and the life cover is payable to his nominee, his wife

Filing Claim

Sadiq’s wife files a claim

After Filing Claim

She receives the claim, and it helps her live a secured life.

Term Life Insurance Calculator

Wondering how to calculate your insurance premium? You can always use a term insurance calculator. It is a free and easy-to-use tool that helps you estimate the premium for a policy based on your specific needs.

You’ll need to provide basic details like your name, contact info, date of birth, income, gender, lifestyle habits, education, and occupation. Based on this information, the calculator recommends suitable policies and shows the approximate premium. You can then choose the coverage amount, policy term, payment frequency, and payout options.

It’s a useful way to compare options and make smart decisions, helping you choose the right policy that fits your financial goals and ensures your family’s future security.

Benefits of Term Insurance

Top 7 Benefits of Term Insurance-

Secure your family’s future with coverage of up to AED 1 million, starting at just AED 50/month*.

Available at lower premiums compared to life insurance and other categories.

Even in unfortunate circumstances, your family can have funds for children’s studies, marriage, life milestones, and more.

Term policies replace the insured’s income in their absence.

Death benefits can be used to pay off outstanding debts and meet future obligations. This makes your family financially stable and debt-free.

Easily customise your policy with various riders related to Critical Illness, Disability, Premium Waiver and more.

Features of a Term Life Insurance Plan

Before buying a term life insurance policy, it is important to understand what you are getting into.

Here’s an overview of the general features of term life plans —

Affordable Premium

Term life insurance is cost-effective due to its pure life cover. While it lacks an investment component, its higher coverage protects your loved ones.

Easy to Buy

You can easily purchase a term plan online through platforms like Policybazaar.ae, completing the process from home in just a few clicks.

Flexibility to Pay Premium

Choose a premium payment method that suits your budget—single, limited, or regular pay options are available.

Coverage Period

Offers fixed-term coverage ranging from 5 to 35 years. No maturity benefit is paid, keeping premiums low.

Death Benefit

If the policyholder passes away during the policy term, a predetermined lump-sum death benefit is paid to the nominee.

Optional Riders

Enhance your policy with add-ons like accidental death, waiver of premium, disability, terminal illness, and critical illness riders.

Who Should Buy Term Insurance in Dubai, UAE?

If you are in Dubai and have dependent individuals — whether your children, spouse, or your parents — you should take term insurance seriously. It’s an affordable way of ensuring that your loved ones have sufficient funds for life even if you’re not there.

Let's see who exactly actually needs it —

Young Professionals
Parents
Recently Married Couples
Self-Employed Applicants
Single Mothers and Working Women

If you recently entered your professional life, it is the right time to buy term insurance in UAE. Why? Because it is cheaper when you are young and below 30 years of age. It also sets you in the right habit of managing your money. It also gives you coverage at a young age, which can be useful if you take out a loan, a car, or a house later.

Kids need a lot: school, clothes, food, and a house. If you're a parent, your family depends on your income. Term life insurance protects your children and your spouse so they still have funds and income even when you're not around.

Marriage comes with its costs and responsibilities. You can start saving to buy your new car, a house where you can live, or even start planning children. By adding term insurance in Dubai, you can ensure that your spouse is not left with enormous payments alone if unfortunate circumstances arise.

If you have a business of your own, you have variable income. You also don't have insurance through your employer. Term life insurance is a safety net. At worst, your family still has funds to survive.

Nowadays, many women are sole breadwinners for their households. If you have kids and there is no other earning member in your household, your salary is even more important. Term life insurance ensures that your kids will be okay, regardless of what happens.

How to Buy Term Insurance Online from Policybazaar.ae?

With Policybazaar.ae, getting the best term policy is just a matter of a few clicks. Here’s how we help you get the best term insurance in UAE in 5 simple steps:

Go to Policybazaar.ae and select term insurance from the topmost bar.

Fill in your basic details like name, age, phone number, etc. in the form on the right.

Click on 'view quotes' to see the most relevant term insurance quotes.

Compare and select the one that suits you the best.

Click on apply and follow the on-screen instructions.

Buy Term Cover From Policybazaar.ae!

When you buy term life insurance online via Policybazaar.ae, you get an additional advantage of 24x7 expert assistance to help you wherever you get stuck. Alternatively, you can visit your selected provider’s nearby office and submit your application in person.

Why Buy From Us?

PB Experts helps you compare the best term insurance in UAE and provides you better premiums rates due to our good relations with the insurers.

How to Get Term Insurance at the Best Price?

Listed below are a few steps that you can take to get the best term insurance in UAE at affordable premiums —

Start as early as possible: As we saw before, the younger you start, the lower your premiums. So even if you didn’t get a term life insurance policy earlier, it’s better to get it now rather than waiting for more time!
Maintain a healthy lifestyle: Regularly exercising, maintaining optimum BMI, and others can lead to a better life (and lower premiums too!). This is because insurance providers consider your health when assessing your premiums.
Give up smoking: Besides leading to various diseases, smoking can also increase your costs for term life insurance UAE quite a bit!
Note: In case you’ve been a smoker, don’t forget to disclose it to your insurer. Hiding information can lead to claim rejections later.
Choose a suitable term and coverage: With the right policy tenure and coverage, you can fulfill your family’s requirements without stretching your budget.

With that said, keep in mind that it’s not only about premiums! While you might think getting a cheaper plan is good, it can also cause problems or insufficient coverage when your family makes a claim. This can actually leave them without any financial support in unfortunate circumstances.

Best Term Insurance Companies in UAE 2025

Insurer Name	Plan Name	Claim Settlement Ratio	Min Age	Max Age	Min Premium
Salama Insurance	Hemayati Plus		18	55
Takaful Emarat	Fixed Term	98.20 %	20	60	71 AED/Monthly
Zurich Insurance	International Term Assurance	98.00 %	18	74
Arabia Insurance	Term Life Executive 1	95.00 %	15	70
Arabia Insurance	Term Life Executive 2	95.00 %	15	70
MetLife	Live Life Now	98.00 %	21	60	20 AED/Monthly

Buy Best Term Insurance Plan Now!

What is the Difference Between Term Insurance and Life Insurance?

A term policy is a type of policy that financially secures the beneficiary in case the policyholder, unfortunately, passes away during the policy tenure. A whole life insurance plan is a policy that remains active throughout the policyholder’s life.

Parameter	Term Insurance	Life Insurance
Tenure	You can select the policy tenure from 5, 10, 15, 20, 25, or 30 years	Usually the entire life of the policyholder
Benefits	The beneficiary only receives the death benefit but there are no maturity benefits	The beneficiary receives a death benefit — in case the policyholder survives the tenure, they may receive a maturity benefit
Premium	Nominal since there is only life cover and no other benefit	Usually higher than term insurance
Cash Value	No cash value — only a death benefit is provided if the policyholder passes away during the policy tenure	There is a cash value that accumulates over time
Surrender Value	If the policyholder stops paying premiums on a term plan, the insurance will lapse after a 30-day grace period Term plans don’t have a surrender value, and you won't get back any premiums paid	You can exit a whole life insurance plan before it ends, but you'll face consequences You'll lose the maturity benefit and only get part of the premiums back However, if you stay invested for 3-5 years and then exit, you will receive a surrender value.

If you are looking for more affordable options, you can opt for a term policy. However, if you want investment and insurance in one place, you can explore whole life insurance or ULIPs.

What is Covered in Term Life Insurance — and What’s Not?

Inclusions

Death due to natural causes or medical conditions

Death due to accidents

On diagnosis of a terminal illness with less than 12 months of survival period

Diagnosis of critical illnesses

Permanent and total disability during the insurance tenure

Exclusions

Death after the maturity of term policy

Death due to foreign invasions, wars, or warlike situations

Death due to an undisclosed or pre-existing health condition

Death due to alcohol or drug abuse

Death as a result of criminal activity under UAE laws

Payout Options for Term Insurance in UAE

Can NRIs Buy Term Insurance in India?

Yes, NRIs can buy term insurance from Indian insurance providers. As an NRI, when you buy term insurance from India, you get the following benefits –

High life coverage at affordable premiums
Flexible premium payment methods — lump sum or regular (monthly, quarterly, half-yearly, or annually)
Financial security for the life assured’s family in case the former passes away during the policy tenure.
Flexibility to choose the policy tenure
Easy documentation process
Option to customise the plan with additional riders – accidental death, waiver of premium, critical illness benefit, and more

Note that there are 2 factors to consider when buying an NRI term insurance policy –

Policy tenure — NRIs should give the policy tenure a thorough thought when buying a term insurance plan. Usually, experts recommend that the coverage should be for at least till you are 65 years old.
Policy coverage — As an NRI, you should also consider the policy coverage amount. For this, take factors like inflation, expenses, debts, policy type, income, and other significant events into consideration.

Documents Required to Purchase Term Life Insurance

Along with satisfying the term life insurance eligibility criteria, you need to submit relevant documents as proof of your identity, age, and address.

The following is the list of documents you need to submit while purchasing a term policy in UAE.

Emirates ID for UAE nationals and residents,
Valid Passport for expats with a valid Emirates ID
Utility bills for address proofs.

How to Decide the Right Tenure for a Term Insurance Policy?

Take note of the following factors when deciding a term insurance plan tenure—

Age: Your age determines the available term for a term insurance plan. For example, a 30-year-old may get a tenure of up to 35 years, while a 50-year-old might get only 15 years. The younger you are, the longer the available term.
Liabilities: If you have loans, your insurance cover should match the outstanding amount and EMI duration. This ensures that your family can repay the debt if something happens to you.
Financial Goals: Align your term plan with major life milestones so that your family’s financial needs are met even in your absence.
Maximise the Duration: Choose the longest term available for your age to safeguard against future uncertainties. If needed, you can discontinue later without penalties. .

Additionally, longer tenures usually have lower premiums. Make sure that the premium fits both your budget and long-term savings plans.

Additional Add-ons for Term Insurance in UAE

To enhance and customise your term insurance plan, insurance providers in UAE offer additional protection via add-on riders. With a nominal increase in your premium, you can include these riders in your base protection plan.
Here are some popular add-ons for the best term life insurance in UAE —

Add Ons	Features
Critical Illness cover	The company provides coverage in case of life-threatening illnesses such as cancer, stroke, and more. On the diagnosis of a critical illness, the company provides a lump sum. You can use it for medical expenses as well as day-to-day needs and loss of income.
Accidental Death Cover	Beneficiaries get an extra amount in addition to the death benefits in case you die due to an acc ident. The accidental death benefit is calculated based on the base plan and may have an upper limit as per the insurer.
Terminal Illness Cover	Your beneficiaries get a fraction of the assured sum if you are diagnosed with a terminal illness. This amount helps your family cope with situations and meet urgent medical expenses.
Permanent Disability Cover	The insurer compensates your income for around up to 10 years in case of loss of employment due to disability. This way, your family can maintain their prior lifestyle even during unforeseen situations.
Premium Waiver Cover	In case of inability to work due to accident or illness, the insurer waives your subsequent premiums while the policy remains active until the pre-decided tenure.

Term Insurance FAQs

How to choose the right term insurance plan?

To choose the right term insurance plan, you must first consider your family’s needs & lifestyle while also taking account of your income. You can then easily compare different plans from the top providers from Policybazaar.ae for a better idea of what may serve your interests the best .

Our mission is to help you protect your family's well-being with affordable term insurance. We strive to make your experience hassle-free to the greatest extent possible, whether you are purchasing a policy or making a claim. Our dedicated team is here to help you find the best plan for your needs and ensure you get all the necessary assistance with claims, documentation, and more.

Atul KathuriaBusiness Head - Term Insurance