Estimate the life cover your family needs with the income-replacement method.
The right life cover replaces your income for the years your family will need it, clears debts and funds big future expenses — minus what you have already saved. Enter the figures below for a needs-based estimate.
Example: AED 180,000 income × 15 years = AED 2.7M, plus AED 200,000 debts and AED 150,000 future costs, minus AED 100,000 saved = AED 2,950,000 recommended cover.
It sizes cover as the income your family would lose, for the number of years they need support — the most widely used rule of thumb.
The old 10× rule ignores debts and school fees. A needs-based calculation like this one is more accurate.
No — it is a starting estimate. Health, residency and insurer terms all affect real quotes.
Compare both: UAE term plans are convenient but sometimes pricier than home-country options.
