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 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.

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.


  • 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.

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