What life insurance costs in the UAE

A term life policy in the UAE can cost from a few dirhams a month to more than AED 1,000, depending on you and the cover. The figures below are the prices insurers publish themselves, as of 12 November 2026. Your own quote will differ.

What do insurers publish?

MetLife shows three examples for its Live Life Now term plan bought online.¹

MetLife’s page gives the plan’s minimum premium as AED 734 a year or AED 61 a month.¹ Its examples do not state gender or smoking status.

Other published starting points:

• HAYAH’s Simple Life starts at AED 7 a month, with no medical exams, for UAE residents aged 18 to 59 and cover up to AED 3.6 million.²
• ADCB says term premiums through it start from USD 50 a month.³
• Zurich’s International Term Assurance has a minimum premium of AED 105 a month or AED 1,050 a year.⁴

Use these to check that a quote is in a sensible range, not as your price.

How does age change the price?

Salama’s chart shows the contribution rising with each age band. Salama publishes the full monthly contribution chart for its Hemayati Plus family takaful plan, which also returns 80% to 100% of contributions at the end of the term if there is no claim.⁵

The annual contribution is 11 times the monthly one.⁵ Ask for quotes before a birthday that moves you into a higher band.

What else sets your premium?

The insurers name the same factors. MetLife prices Live Life on age at issue, gender, smoking status, cover amount, term and, for decreasing cover, the rate of decrease.⁶ Salama says its prices depend on cover, term, age, lifestyle and health.⁷ Zurich names your age, gender, health and whether you smoke.⁴

• Smoking. Sukoon advertises “attractive rates on premiums for non-smokers” on its Life Guard plan.⁸
• Health. Zurich says it accepts applications from people with conditions such as diabetes, heart disease or high blood pressure subject to further underwriting, which can mean extra premium, a rating or changes to the policy.⁹
• Riders. Critical illness, disability and other benefits each add to the premium. Zurich may review its critical illness premium every five years.⁴

Answer every health and smoking question fully. Under UAE law an insurer may end the contract for a statement made in bad faith.¹⁰

What does mortgage life cover cost?

Bank mortgage cover can be charged as a monthly rate on the loan balance. Emirates NBD’s example is 0.018% a month: AED 144 in the first month on AED 800,000.¹¹ The mortgage cover calculator works out the year-by-year cost at your bank’s rate. Where cover is a condition of the loan, the bank must give you its cost in writing and let you choose from at least three insurers it approves.¹² More in mortgage life insurance.

Is the premium fixed?

On some term plans, yes. HAYAH says Simple Life has fixed premium rates throughout the term.² Zurich fixes the life cover premium for the term but may review critical illness every five years.⁴

Ask the insurer to confirm in writing which parts of your premium can change.