Yourlife About us
Yourlife

What is YourLife?

YourLife is a life insurance policy for residents of the Gulf Co-operation Council (‘GCC’) countries. YourLife pays the life cover amount to your nominated beneficiaries if you die during the policy term. There is no need for you to undergo any medical tests when applying. Everything is done online.
You get to choose from three options of cover:
1. Life Cover only
2. Life Cover + Accidental Death Benefit
3. Life Cover + Accidental Death Benefit + Aeroplane Cover

What can YourLife do for you?

If you need financial protection for your family, for example, to cover debts, YourLife will pay the life cover amount to your nominated beneficiaries if you die during the term of the policy.

What you need to do?

All you need to do is pay your premium over the policy term and let us know if you become permanently resident outside of the GCC.

How long can the policy last?

You get to choose if the policy lasts for 5, 10 or 15 years. If you pay all your premiums, the policy will continue until the end of your chosen policy term. Your policy will stop earlier in the event of a claim or if you stop paying your premiums. There is no policy value at any time.

Who does the policy cover?

You must be a UAE resident and be at least 18 years old and no older than 60 when the policy starts.

What cover can YourLife provide?
Life cover

Life cover is available from $50,000 up to $80,000 and pays out as a result of death by any cause.

Accidental Death Benefit

If selected, this pays an additional amount equal to 50% of the life cover amount, if you die as a result of an accident during the policy term.

Aeroplane Cover

If selected, this pays an additional amount equal to 50% of the life cover amount, if you die as a fare paying passenger on a registered commercial airline at any time during the policy.

How much does the policy cost?

We will tell you the premium during the online application process. The cost of your policy will depend on your age, gender, smoker status, the level of life cover you choose, your benefit options and the policy term.

Can I change my mind?

Yes you can. You can change your mind within 30 days of receipt of the policy documents and all premiums paid will be returned to you. Should you want to, you can send your request to us at our address detailed in the ‘How to contact us’ section.

Can I change my policy after it has started?

No, you cannot change your policy once it has started and you cannot hold more than one YourLife policy at a time.

What if I stop paying?

Your cover and policy will end 30 days after the last payment was due and premiums will not be refunded.

What if I move permanently outside of the GCC?

You should inform us of the change in your country of residence as we will have to cancel the policy.

When will the policy not pay out?

We will not pay a claim if:

  • You don’t complete the application form truthfully and accurately, or give us all the information we ask for when you make a claim; or
  • You become permanently resident in a country that is not a member of the GCC; or
  • Your claim originates in any of the excluded countries.
    The currently excluded countries are:
    Afghanistan Bangladesh Burkina Faso
    Burundi Central African Republic Chad
    Yemen Iraq Libya
    Mali Mauritania Niger
    Nigeria Pakistan Somalia
    South Sudan Sudan Syria
    Democratic Republic of the Congo
  • You have not paid the premiums that were due; or
  • You commit suicide within 24 months of the commencement date of the policy; or
  • The claim is a result of any breach of criminal law by the life insured or the beneficiary; or
  • Your claim is related in any way to war or warlike operations or acts of terrorism.

Full details of the policy exclusions can be found in the YourLife Policy Conditions.

How to make a claim?

The person making the claim should notify us as soon as possible. For details of how to make a claim please refer to the YourLife Policy Conditions.

To read more about YourLife you can download

YOU ONLY GET ONE LIFE, SO WHATEVER YOU DO WITH YOURS PROTECT IT WITH

YourLife

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