Secure your family's future.
Term life, whole life, critical illness cover, education savings plans and retirement solutions — tailored to your life stage and placed with the UAE's leading life insurers.
Term Life Insurance
Pure life cover for a fixed term — providing your family with a lump sum or income in the event of your death. Simple, affordable and essential for anyone with dependants or financial obligations in the UAE.
Savings Plans
Regular premium savings plans combining life protection with a disciplined savings element. Structured to help you build a significant fund over 10 to 25 years for education, property purchase or wealth accumulation.
Critical Illness Cover
A lump-sum payment on diagnosis of cancer, heart attack, stroke or other specified critical conditions. Provides financial security when you need it most — covering treatment costs, lost income and lifestyle adjustments.
Retirement Solutions
UAE-based retirement and annuity plans that build a pension-style income for your post-working years. Especially valuable for expatriates who may not be entitled to state pension provisions in the UAE.
Financial protection at every milestone.
Your plan in four steps.
Life Stage Review
We start with a holistic view of your financial situation — income, dependants, existing savings, liabilities and long-term goals. No generic solutions, no off-the-shelf products.
Needs Analysis
We calculate the cover amount and savings target appropriate for your situation — factoring in income replacement, mortgage liability, children's education and retirement income needs.
Plan Recommendation
We present you with two to three clearly compared plan options from our insurer panel — showing premiums, cover amounts, guaranteed values and plan features side by side.
Ongoing Review
Life changes. We review your plan annually — adjusting coverage as your income, family and financial goals evolve. Additions such as critical illness riders can be added at any time.
Common questions about life cover in the UAE.
A commonly used rule of thumb is ten times your annual income — but the right amount depends on your specific situation including outstanding mortgage, number of dependants, existing savings, and lifestyle expectations. Our advisors run a detailed needs analysis to calculate the appropriate cover level for you.
Yes. UAE-resident expatriates can and should consider life insurance. Most UAE-based life insurers offer plans to expatriates including worldwide death benefit, repatriation cover and optional education savings elements. Premiums are typically competitive given the UAE's tax-free status, and some plans can be maintained if you leave the UAE.
Term life insurance provides a death benefit only — if you die during the policy term, your beneficiaries receive the sum insured. There is no cash value if you survive. A savings plan (sometimes called whole life or endowment) combines a death benefit with a savings element that grows over the policy term — you receive the fund value at maturity even if no claim is made.
Yes. Several UAE insurers offer Takaful life plans that comply with Islamic finance principles — including Salama and other licensed Takaful operators. These plans operate on a mutual contribution basis rather than a traditional insurance premium model. Gulf Oasis can present both conventional and Takaful options so you can choose based on your preferences.
Secure your family's future today.
Talk to a Gulf Oasis life insurance advisor — we find plans that protect what matters most at every stage of your life.