of up to AED 1 million for death due to any cause.
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.
A straightforward, hassle-free Life Insurance Plan, the Smart Term Life ensures that the Sum Insured is paid out to the nominee(s), in accordance with the policy terms and conditions, in the event of an illness or bodily injury that results in the death of the Insured. As an insured, you will find peace of mind in this comprehensive cover designed to take care of your dependents in your absence.
of up to AED 1 million for death due to any cause.
with the added comfort of a fixed premium and a hassle-free annual payment mode.
that doesn’t require medical tests or examinations
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.
Within 90 days of the date of death of the life assured.
In the event of a death, documents should be submitted within 180 days unless an extension has been provided by the company.
Please note that we may need the original documents for verification.
Indemnity, if any, will be paid to the beneficiary’s legal nominee provided the nominee survives the beneficiary by 30 days, otherwise the sum will be paid to the estate of the beneficiary.
The nominee or the beneficiary’s legal representative should notify us at UAE 800 9248
Individuals between the ages of 18 and 55, holding a valid United Arab Emirates residence visa.
Your name, date of birth, the sum insured, correspondence address and beneficiary details, if you are not the beneficiary
1. Death due to accident: 100% of Sum Insured
2. Death due to sickness:
• Up to 12 months from Effective Date: 20% of Sum Insured, subject to a maximum of AED 200,000.
• 12+ to 18 months from Effective Date: 60% of Sum Insured, subject to a maximum of AED 600,000.
• 18+ months from Effective Date: 100% of Sum Insured
Note: Death due to pre-existing medical conditions within 6 months of inception and due to Terminal Illness, Kidney Failure, and Cancer within 12 months of Inception is not covered.
Yes, you are required to notify Union Insurance in writing. Do note that the consent of the beneficiary is not required.
Yes. If you find the plan does not suit you, you may request a cancellation through the Free Look Cancellation Form which is provided with your policy. It should be signed by policyholders and received by us within the free-look period, i.e. 30 days from the policy commencement date. Please note that while you will receive a full refund, Union Insurance reserves the right to decline a second application should you change your mind.
The date on which Union Insurance receives your signed application form with the receipt for the first premium payment. You will, of course, receive an acknowledgment.
Yes, but only in the following situations:
This policy is independent of any Insurance policies that you have taken from other insurance providers.
You can cancel the policy anytime, but you will not get a refund.
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