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Having a serious accident or being diagnosed with a health condition which leaves you disabled can be completely devastating both emotionally and financially especially if you’re the main breadwinner.

With Total Permanent Disability Insurance (TPD) you can help protect yourself against this unfortunate outcome.


Industry Experts – life protection advisers with over 30 years experience
Leading Providers – internationally renowned Insurance providers and underwriters
No Obligation – gather all the facts and see which policy is best suited to your needs

Your final premium will depend on:
– your individual requirements
– your personal circumstances
– your chosen provider


We’ve helped thousands of people find Disability Insurance (TPD)

Our experts have access to the latest life protection information so you can understand all the options available to you. By providing insurance policies from the top UAE providers we can help you find the best policy for your requirements.

Obtaining a quote is fast and 100% free, there is no pressure and no obligation to buy.

Disability cover can cost less than you might think

Life insurance with disability cover is an affordable way to provide protection for your family should the worst happen.

Many people substantially overestimate the price of life insurance and disability cover, when in reality even $200,000 of coverage (more than the average amount of cover taken out by UAE adults) will often cost less than other common monthly expenses.

Eating & drinking out$170
Mobile phone contract$40
TV package$25
Car insurance$40
$200,000 Life Insurance + Disability Cover$35*

*Cost for a 30 year old non-smoker, level term life insurance with disability cover for 20 years. Your premiums may vary depending on your individual circumstances and requirements. Prices April 2019.

Not sure what you need?

We have answers to some of the most common questions about disability and life insurance cover. For anything not covered, be sure to get in touch with one of our expert advisers.

Arrange a callback

Did you know – you can alter your requirements later for another quote.

You can tweak your requirements after receiving your quote, so don’t worry about not knowing exactly what you need right away.


Do I need disability cover?
  • Would your business or employer support you financially if you got a total & permanent disability?
  • Would your loved ones be able to financially maintain their lifestyle if you were no longer able to work?
  • Would your children be able to complete their education?
  • Could you cover your monthly outgoings such as rent or a mortgage or car payments if you became seriously ill and could not earn a living?

If you answered ‘no’ to any of these questions, you should consider arranging a protection plan that can help you cope financially if your circumstances should change.

The need for disability insurance has increased in line with life expectancy. The longer we live, the more likely we are to battle illness, and this means incurring increased expenses that can seriously deplete your personal savings quickly.

It’s advisable to have a life insurance policy that provides a safety net should something happen to you especially if you have a partner, children, or parents who depend on you. A Life Insurance Policy will protect you, your assets and your loved ones when you no longer can.

The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or provides a monthly income for your family. By having a Life Insurance in place you might not need to use up your savings thus letting you save your money for other uses.

Life insurance pays out a lump sum to your beneficiaries if you die. If you have disability cover on your policy, a payout is made on diagnosis of a total & permanent disability.

The funds from these policies are often used to pay off a mortgage, joint and several debts that would otherwise be transferred to your partner or to cover rent and day-to-day expenses such as utility bills, educations costs and whatever your day to day living costs are.

Funds can also be used for any extra medical care that might be required or to provide nursing care to help with any recovery.

The earlier you take out a Life Insurance policy the cheaper your life insurance policy is likely to be. This means it’s more efficient in the long run and it means that as soon as you get married or have any dependants they’re immediately protected.

Everyone situation is unique, and as such every policy is underwritten for that individual and their circumstances.

While personal and family health history is one of many key price indicators (along with current health, age and smoking habits), it doesn’t in any way prevent you from receiving quotes.

Our experts have helped many happy applicants with pre-existing conditions and health challenges and have enabled them to obtain Life Insurance that suits them.

Ready to get life insurance & disability cover?

Protect what matters most to you. Start your free quote with no obligation now.