Practical articles on choosing cover, family protection, and business continuity — written for clients in Dubai, Beirut, and the GCC.
The UAE’s Involuntary Loss of Employment scheme replaces part of your salary for a short period if you lose your job. It is useful, compulsory for most employees, and very different from protecting your family against death or serious illness.
Read articleIndian professionals in the UAE can buy term cover from an Indian insurer or from an insurer that issues policies in the UAE. The right choice depends on where your family lives, which currency it will spend, and where you expect to be in ten years.
Read articleLife insurance in Dubai is usually cheaper than people expect — but the price depends on five factors you partly control. Here is how premiums are actually built.
Read articleTerm cover rents protection for the years your family needs it; whole-of-life owns it permanently at a higher price. The right choice follows your obligations, not a preference.
Read articleIncome in the Gulf, life in Lebanon — the region's most common family structure gets the least coherent insurance advice. Here is how to plan across both shores properly.
Read articleMany UAE families quietly treat end-of-service gratuity as their safety net. It is a valuable benefit — and structurally incapable of doing life insurance's job.
Read articleA strong Dubai broker explains whether they are independent, how commissions work at a high level, and what a financial review includes before any illustration.
Read articleIn the UAE, brokers help clients navigate personal and corporate cover options and access insurers; they do not replace the insurer’s underwriting or claims authority.
Read articleDubai families should size life cover from dependents, mortgage, and school fees—not from a round marketing number.
Read articleLebanese families should define the job of life cover first: income, loans, or education continuity.
Read articleFamily protection planning is a structured review of who depends on you and what would need funding if income stopped.
Read articleCritical illness cover typically pays a lump sum on diagnosis of listed conditions, subject to definitions and survival periods.
Read articleKey person insurance funds continuity when a founder or rainmaker is lost—recruitment, stabilising lenders, and bridging profit.
Read articleGroup life is usually an employer-sponsored benefit paying a multiple of salary on death of an eligible employee.
Read articlePartnership insurance supports continuity when a partner dies or exits, often funding a buy-out aligned with a shareholders’ agreement.
Read articleMortgage protection is about ensuring a loan can be cleared or reduced if a borrower dies or, in some structures, becomes disabled.
Read articleEducation fee protection helps keep schooling or university funding on track if a parent cannot continue planned contributions.
Read articleUAE parents juggle fee inflation, possible relocation, and university abroad—protection and savings both belong in the plan.
Read articleA good Beirut advisor listens first, documents assumptions, and explains trade-offs without jargon.
Read articleExpats should prioritise life and family protection sized to UAE living costs and any home-country dependents.
Read articleChecklist starters: liability exposures, key person dependencies, group life benefits, partnership succession funding, and banking-linked requirements.
Read articleTriggers include marriage, birth, divorce, new mortgage, relocation, inheritance, or a major role change at work.
Read articleLife insurance primarily supports dependents after death; critical illness supports the living costs of a serious diagnosis.
Read articleIncome protection thinking starts with monthly essential spend and how long dependents would need support.
Read articleAsk how the review works, which insurers they access, and how conflicts of interest are handled.
Read articleSmall GCC businesses should prioritise risks that threaten survival: key people, partner exits, and basic liability exposures.
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