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Union Insurance

Life Insurance

We all have people we care about, and it’s human nature that we want to protect them even when we’re not around.

 

The Union Insurance Life Insurance policy is perfectly tailored to support your loved ones to meet their financial commitments, whether they include mortgage repayments, school fees, unpaid debt, or other expenses. Our comprehensive coverage is designed to provide your family with firm support through every contingency.

 

 

Life Insurance Dubai

Smart Term Life

A pure protection plan that covers you for up to 35 years and protects your loved ones financially when you are not around. The plan offers comprehensive coverage against death due to any cause worldwide with a flexibility to choose Sum Insured and Coverage Tenure. There is no maturity, surrender or survival benefit available under the policy.

Key Benefits

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Comprehensive Protection

against Death due to any cause worldwide including Accident & Sickness

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Lump Sum Payout

to family on death of the Life Assured to help take care of life needs

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High Sum Insured

of up to AED 5,000,000 on offer

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Long term coverage

of up to 35 years

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Ease of Issuance

Sum Insured of up to AED 1,000,000 without Medical Questionnaire and Medical Examinations

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Death due to pre-existing illnesses

covered after 6 months

Our Team

We have a dedicated and well-organized team set-up, comprising specialized teams for specific solutions, as well as customer support to provide you with assistance whenever you require it.

An experienced operations team to implement processes and programs that ensure helpful solutions, tailored to our clients’ specific needs.

A strong technical and analytical underwriting (UW) team with rich experience in risk assessment and analysis, to help both individuals and employees purchase health insurance products.

A dedicated client services team that fulfills our client-centric approach through its dedication to providing support to clients, incorporating their feedback.

A highly experienced claims team that develops and executes a highly efficient claims process without delay.

FAQs

  • Who is eligible for this plan?addremove

    Individuals between the ages of 18 and 60, holding a valid United Arab Emirates residence visa.

  • What information do I need to provide to obtain a quotation?addremove

    Your name, date of birth, the sum insured, policy tenure & smoker/non-smoker status

  • What are the features of this policy?addremove
    • Comprehensive Protection against Death due to any cause worldwide including Accident & Sickness. 
    • Lump Sum Payout to family on death of the Life Assured to help take care of life needs.
    • Long term coverage of up to 35 years.
    • High Sum Insured of up to AED 5,000,000 on offer.
    • Ease of Issuance: Sum Insured of up to AED 1,000,000 without Medical Questionnaire and Medical Examinations
    • Death due to pre-existing illnesses covered after 6 months.
  • Can the policy be terminated against my wishes?addremove

    Yes, but only in the following situations:

     

    • If you are no longer eligible to be insured
    • If the required premium has not been paid within the stated grace period
    • If your benefit, extending to the principal sum, has been paid to you
    • After you cross the age of 70

     

  • What are the policy exclusions?addremove

     

    • Death due to active participation in any war or war-related activities
    • Death due to aviation, aerial sports, or any other form of aerial flight
    • Death due to breach of criminal law by the beneficiary, or an assault provoked by the beneficiary 
    • Death due to suicide while sane or death due to insanity, temporary or otherwise, within the first 12 months of the commencement of the policy 
    • Death due to deliberate self-inflicted injury and/or self-medication
    • Death resulting from spread or use of nuclear material
    • Death due to HIV/AIDS unless caused by blood transfusion 
    • Death due to kidney failure, cancer, or any terminal illness that commences during the first 12 months of the policy term. 
    • Death due to pre-existing medical conditions during the first 6 months of the policy term 
    • Death due to COVID-19 for the first 30 days from policy inception

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phone 800 UIC4U (84248)