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Starting 1 January 2025, a new federal rule takes effect: before any UAE residency visa can be issued or renewed, every salaried resident expatriate, payroll freelancer, and sponsored domestic worker—along with their dependents—must be covered by a DHA‑ or DOH‑approved Basic Health Insurance plan that is registered through the MOHRE‑ICP Unified Health‑Insurance Gateway. Emirati citizens …

What Happens if You Don’t Comply with the 2025 Health Insurance Mandate? Read More »

After years of living and working in the UAE, I’ve seen how this country keeps evolving into one of the world’s most powerful hubs for ambitious people. It’s a place full of promise — but also one that rewards those who make smart decisions early. Today, the UAE isn’t just a destination — it’s a …

Life and Opportunity in the UAE: A Message from Ramzi Ghurani Read More »

Balancing innovation with strict regulations can be challenging in the UAE’s insurance industry. However, “regulatory sandboxes” introduced by the Central Bank of the UAE (CBUAE) offer a middle ground, letting brokers experiment with new ideas while still protecting consumers and the market at large. These specialized environments encourage creative problem-solving under close regulatory supervision, so …

Regulatory Sandboxes: How UAE Insurance Brokers Can Innovate Within CBUAE Guidelines Read More »

Estate planning plays a crucial role in financial security, helping to preserve wealth and distribute it according to personal wishes. While traditional tools like wills and trusts are fundamental, life insurance in the UAE has become a powerful component in advanced estate planning. In the UAE, where financial regulations and inheritance laws are shaped by …

Advanced Estate Planning with Life Insurance in the UAE Read More »

In July 2024, Federal Decree Law No. 48 of 2023 was published, marking a pivotal shift in how insurance is regulated across the UAE. This legislation transfers oversight of insurance operations to the Central Bank of the UAE (CBUAE) (a change that stems from the merger of the UAE Insurance Authority under Federal Decree Law …

How CBUAE’s New Regulations Will Impact Insurance Brokers in the UAE Read More »

Life insurance in the UAE provides critical financial protection for your loved ones, but standard policies often offer limited flexibility. This is where life insurance riders become invaluable. Riders are optional add-ons that enhance the scope of your coverage, allowing you to customize your policy to address unique needs and potential risks. By understanding the …

How Life Insurance Riders Enhance Coverage and What to Consider Read More »

Life insurance in Dubai is a cornerstone of financial planning, offering protection and peace of mind for policyholders and their beneficiaries. Among the various types of life insurance, participating whole life insurance policies stand out for their unique ability to share in the insurer’s profits through bonuses or dividends. Understanding how economic factors influence these …

The Impact of Economic Factors on Participating Whole Life Insurance Policies Read More »

In recent years, the United Arab Emirates (UAE) has experienced an increase in extreme weather events, including floods. These natural disasters have far-reaching implications, particularly for homeowners and businesses. One of the most significant impacts of flooding is on insurance costs. Understanding how these changes may affect you can help in better preparing and managing …

How UAE Floods Could Affect Your Insurance Costs Read More »

Natural disasters are unpredictable forces of nature that can wreak havoc on commercial properties, causing immense financial losses and disruptions to businesses. In the UAE, a region susceptible to various natural calamities, including the recent record-breaking rainfall, the need for comprehensive commercial property insurance cannot be overstated. This blog delves into the significance of commercial …

The Impact of Natural Disasters on Commercial Properties in the UAE: Why Insurance is Essential Read More »

Insurance policies often come laden with jargon and fine print, making it a Herculean task to discern precisely what is covered and what isn’t. As we delve into the intricacies of various insurance coverages, some scenarios might surprise you by falling squarely within the bounds of coverage, while others, seemingly straightforward, might not be covered …

Navigating The Fine Print: 5 Surprising Covered Scenarios and 5 Unexpectedly Uncovered Ones Read More »