How much life cover would your family need?
Enter your own figures. The worksheet adds what your family would need and takes away what they already have. It does the sum and nothing else.
How does the sum work?
Income to replace is the yearly amount times the number of years. Add debts and future costs. Take away savings and the life cover you already hold. If the result is below zero, the worksheet shows zero. Here it is with example figures.
| Item | Amount |
|---|---|
| Income to replace, AED 180,000 a year for 10 years | AED 1,800,000 |
| Mortgage still owed | AED 900,000 |
| Other debts | AED 40,000 |
| Future costs | AED 300,000 |
| Final costs | AED 30,000 |
| Savings and investments | less AED 150,000 |
| Life cover you already have | less AED 360,000 |
| Cover the figures add up to | AED 2,560,000 |
Salama's life takaful page calls 10 times your salary "a rough calculation". Zurich International Life reported that 39% of the life claims it paid in the Middle East from 2021 to 2023 were above USD 200,000. Read how each line is worked out inhow much life insurance you need.
Sources
- Life TakafulSalama. Read 12 November 2026.
- Customer Claims Paid Report 2024, Middle East InsightsZurich International Life. Claims paid in 2021 to 2023. Read 12 November 2026.