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Union Life Insurance

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Insurance Partners

1 Million+

Trusted Customers

250 K+

Policies Sold

AED 1 million life cover starting @50/month
Monthly Income(AED)
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Union Insurance is a reputed name in the insurance industry of the UAE. Founded in 1998, the company offers standard as well as tailored insurance plans to individuals, small to large businesses, governmental organisations, and more.

With Union Life Insurance, you can choose from any of the numerous plans offered by the company to fulfil your financial goals and secure the financial future of your family.

Let’s go through the top Union Life Insurance plans, their benefits, eligibility criteria, and more such details important for you.

Types of Plans Under Union Life Insurance

As we discussed earlier, Union Life Insurance has numerous life insurance plans in its catalogue that can be beneficial for various types of individuals. In this section, we will have a quick overview of the top plans for life insurance in UAE by this provider –

  • Smart Term Life: With flexibility in terms of selecting the sum Insured and coverage tenure, the plan provides comprehensive death protection as well. Keep in mind that this is a plain term plan, meaning that you won’t get any maturity, survival, or surrender benefit.
  • Smart Critical Illness: Providing a cover for up to AED 800,000, the Smart Critical Illness policy benefits are paid in case the policyholder faces any of the critical illnesses on the list. This plan provides worldwide coverage and has a tenure of 5 years.
  • Infinity Life: The Infinity Life policy, unlike a plain life insurance plan, provides investment opportunities as well. Some of its key benefits include loyalty bonus, persistency bonus, and so forth.

Key Features and Benefits of Union Life Insurance

Now that we have a basic idea of the plans available with Union Life Insurance, let’s explore the key features and benefits of each of the above-mentioned plans in detail –

Smart Term Life

  • Provides financial protection against death from any cause (including accident and sickness) worldwide
  • The policy offers long-term coverage of up to 35 years with a sum insured of up to AED 5,000,000 (AED 5 million)
  • Pre-existing illness-related deaths are covered after a tenure of 6 months
  • You can get up to AED 1,000,000 in insurance coverage without a medical history questionnaire or physical examination which ensures ease of issuance

Smart Critical Illness

  • Global coverage available around-the-clock throughout the policy's term
  • A maximum of AED 800,000 in coverage for any critical illness diagnosis that is mentioned in the policy's terms can be availed
  • This policy has a term of 5 years along the added convenience of a fixed premium and an easy annual payment schedule

Infinity Life

  • The policy has numerous inbuilt features that can be beneficial for you such as second opinion benefit, family travel cover, accelerated death benefit, and passive war risk cover
  • You can easily enhance the coverage of the plan with add-ons like accelerated critical illness benefits, permanent and total disability benefits, premium waiver benefits, involuntary loss of employment, and more

Eligibility Criteria

The eligibility criteria for these plans are pretty straightforward. You must be in the age range of 18 to 60 years and have a valid UAE residence visa to apply for the aforementioned policies offered under Union Life Insurance. It must be remembered that the plan will be terminated when you turn 65 years old.


Q1. What are the types of policies offered under Union Life Insurance?

Ans: Union Life Insurance offers Smart Term Life, Smart Critical Illness, and Infinity Life plans.

Q2. What information is required to obtain a quotation for any policy?

Ans: The information required to obtain a quotation for any policy includes details like your name, the insured sum, birth date, policy tenure, smoker/non-smoker status, medical examination in some cases, and more.

Q3. Can my partner and I have the same policy for Infinity Life?

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

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