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Essential Benefits Plan

Dubai
Affordable coverage for employees in Dubai earning AED4000 and below.
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Sanad Plan

Dubai
Unique plan for Dependents
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Delighted Care Plans

UAE
Comprehensive health coverage for UAE residents.
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Smart Term Life

A straightforward, hassle-free life insurance plan for all.

*Discontinued for new business from 7th April 2023

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Smart Critical Illness

The plan gives Immediate support when you need it most.

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Infinity Life

A unit-linked, flexible, variable, universal policy for everyone.

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Super Secure

Savings Oriented Unit Linked Insurance Policy.

*Discontinued for new business from 15th October 2020

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Flexi Life

A two-pronged approach for financial security and growth.

*Discontinued for new business from 15th October 2020

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Single Premium Plan

A hassle-free, unit-linked, pro-investment policy for all.

*Discontinued for new business from 15th October 2020

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Travel Insurance

Provides comprehensive protection from all travel pitfalls.
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Home Insurance

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Plan secure your home from unexpected calamities.
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Home Insurance

Contents and Belongings
A hassle-free plan that secures your home and all your belongings.
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Yacht Insurance

Extensive coverage for smooth sailing.
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Group Life

Financial security for your employees and their families.
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Corporate Plan

UAE
Innovative solutions for superior coverage at low costs.
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Essential Benefit Plan

Dubai and Northern Emirates
Affordable coverage for essential health-related services.
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Pioneer Plus Plans

UAE
Range of different plans available across the UAE for SMEs.
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Property All Risks

Safeguard your property from any sort of unexpected calamity.
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Business Interruption

Protection against losses caused by business interruptions from property damage.
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Fire and Allied Perils

Extensive coverage against losses caused by a wide range of events.
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Hull and Cargo Liability

Secure both your vessel and the cargo it carries with UIC.
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Hull and Machinery

Secure your vessel against physical damage to its hull and machinery.
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Marine Cargo

Secure your cargo in-transit at affordable rates with UIC.
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Contractors All Risks

Coverage against a wide range of risks, from natural disasters to employee injury.
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Erection All Risks

Provides security for setting up factories, industries, or manufacturing facilities.
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Contractors Plant and Machinery

An annual cover for contractors on multiple project sites.
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Electronic Equipment

An all-risk policy for losses affecting electrical and electronic devices.
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Machinery Breakdown

Effective covers for expensive plants, machinery, and mechanical equipment.
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Deterioration of Stock

Coverage for losses caused by the deterioration or contamination of stock.
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Employers Liability

Protects employers from financial liabilities caused by wrongful claims/compensation.
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Fidelity Insurance

Protect your business from losses caused by fraud or the actions of dishonest employees.
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Medical Malpractice

Coverage against liability for medical professionals, hospitals, and clinics.
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Personal Accident Insurance

Protect the financial interests of your business and employees from workplace mishaps.
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Professional Indemnity

Coverage against liability arising from professional negligence or errors.
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Public Liability

Cover your legal liability against third party injury and/or property damage.
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Money Insurance

Essential protection from losses caused by robbery or theft.
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Workmen's Compensation

Protect your business from risks arising from employee work-related injuries.
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Cyber Risks Liability

Coverage against business liabilities caused by cyber attacks, phishing, and other IT threats.
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Personal / Life Insurancekeyboard_arrow_down

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 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.

Personal life insurance UAE

Super Secure

Super Secure offers multiple investment options to enable you to accumulate funds towards your desired goals, while providing you with an all-important insurance cover that will protect those goals even in your absence. A regular premium unit-linked savings and life insurance product, it is designed for policyholders who want a wide range of benefits, multiple investment options, and an extensive insurance cover that will provide a regular income after retirement, along with lump sum payouts to leave behind a comfortable legacy for dependents.

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Key Benefits

  • Savings oriented unit linked insurance policy with the option to select 101% of the fund value as Death cover or any other amount subject to underwriting approval.

  • The flexibility to select optional benefits as a supplement to the inbuilt covers that provide an ideal solution for wealth creation:

    • Accelerated Critical Illness Benefit 
    • Waiver of Premium Benefit – Permanent Total Disability
    • Waiver of Premium Benefit – Involuntary Loss of Employment  
    • Hospital Cash Benefit
    • Family Income Benefit – Critical Illness 
    • Financial Assistance Benefit with Fresh Start Option

  • An inbuilt passive war risk-benefit

  • Upfront Bonus

  • Loyalty Addition

  • Benefit Highlights

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.

Claims Process

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Claim Intimation
Report Report White

Submit Documents
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Claim Processing
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Claim Approved
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FAQs

  • Can my partner and I have the same policy?addremove

    Yes, the policy is available in the following forms: single life (first death) or joint-life (death of both).

  • What are the additional offers included in the policy, apart from the benefits mentioned?addremove

    - Upfront Bonus: This is allocated to policyholders upon the payment of the first premium, on the date the policy commences. 

    - Loyalty Additions: An additional bonus on every policy anniversary 

     

  • Do I need to surrender the policy if I need money urgently?addremove

    You can put in a request for a partial surrender instead. This allows you to withdraw up to 85% of the policy cash value, subject to terms and conditions. 

  • What are the minimum payment terms of the policy?addremove

    Three years.

  • Can I change my payment frequency during the policy term?addremove

    Yes, you can change your frequency from (and to) monthly, quarterly, semi-annual, and annual payments after the completion of the initial contribution period and before the due date.

  • What methods of payment do you accept?addremove

    We accept premium payments in the following formats:

    1.           Direct debits (including automated payments)
    2.           Post-dated cheques
    3.           Credit cards
  • What happens if I miss a premium payment?addremove

    We offer a 90 days grace period that gives you relief from payments during uncertain phases in your life, subject to terms and conditions.

  • What if I can’t make a payment?addremove

    You can request a premium holiday for a maximum period of 12 months, subject to terms and conditions. 

  • What is the minimum premium I can pay to avail the policy?addremove

    Depending on the frequency, the minimum premium is decided. For example, if you opted for monthly frequency then you can pay as minimum as AED184.

Related Products

Super Secure

Smart Term Life

Infinity Life

Flexi Life

Single Premium Plan

Smart Critical Illness
phone 800 UIC4U (84248)