19 Sept 2023

  • Insurance & Protection
  • Consumer Advice

Expat life in the UAE: Why do I need life insurance?

Here are some reasons why expats in the UAE should invest in life insurance.

2 mins. read

Whether you live in the UAE or are making plans to, you've undoubtedly heard about the many benefits of living in this dynamic and vibrant country. From the year-round sunshine to the diverse culture, it can be a wonderful adventure with exciting and endless opportunities. There's no doubt that the UAE is a great place to call home.

However, like everywhere else life comes with its share of possible burdens and uncertainty. There are multiple challenges and considerations to keep in mind -especially financial ones both now and in the future. Life insurance can be a great solution to protect you, your family, and your home for the long term.

Here are some reasons why expats in the UAE should invest in life insurance.

Protect your loved ones

One of the most important reasons to invest in life insurance is to protect your loved ones. As an expat, your family members may rely on you for financial support, and without it, they may struggle to maintain their standard of living. Life insurance ensures that your loved ones are taken care of in the event of your unexpected passing, allowing them to pay for essential expenses without worrying about their financial security.

Cover your liabilities

As an expat, you may have various financial liabilities, such as outstanding loans or mortgages. In the event of your passing, these liabilities can become the responsibility of your loved ones. Life insurance can help cover these debts, ensuring that your family is not burdened with financial stress after your passing.

Provide peace of mind

Having life insurance provides peace of mind to you and your loved ones. Knowing that there is a financial plan in place in case of an unexpected death or disability can bring a great deal of comfort and security. It allows you to enjoy your expat experience without worrying about the future.


Contrary to popular belief, life insurance doesn't have to be expensive. There are many affordable options available that can provide the coverage you need at a fair price that fits your budget. With so many options available, it's essential to shop around and find a policy that fits your unique needs and situation. Explore HAYAH’s protection solutions here.


Life insurance policies can be customised to fit your specific needs and requirements. Whatever your circumstances, there's a policy that can be tailored to your unique situation. With a variety of options available, it's easy to find a policy that provides the coverage you need at a price you can afford.

Changing circumstances

As an expat, your circumstances are likely to change over time. Whether you're starting a family, changing jobs, or buying a home, these changes can impact your financial situation. Life insurance can help you adapt to these changes by providing flexible coverage options that can be adjusted to fit your current needs and situation.

Protect your business

If you're an expat who owns a business, life insurance is even more critical. Business owners may have financial obligations, such as loans or debts, that need to be paid in the event of their passing. Life insurance can help cover these expenses, ensuring that your business can continue to operate without interruption.

In conclusion, life insurance is critical for expats living in the UAE. It provides financial security, peace of mind, and ensures that your loved ones are taken care of in the event of your unexpected passing. Don't let uncertainty hold you back from enjoying your life in the UAE to the fullest. Buy life insurance today and rest easy knowing that you're prepared for whatever the future may bring.

Don’t know where to go?

HAYAH is here to accompany you throughout this journey. You can explore our solutions here, or if you have any questions, you can always contact us.

Get in touch