Group Life Insurance

Dubai National Insurance and Reinsurance (DNIR) believes that employees are the major asset of any organization and our group life cover being the part of an employee benefits scheme, protects the employee from an unfortunate event by compensating him or his family.

Group life and personal accident covers mainly death due to any cause, which can be extended to include Temporary Total Disability (TTD), Permanent Total Disability (PTD) and Medical Expenses including loss of wages, Repatriation of mortal remains to home country and many other optional benefits. Our Group Life Product (GL) is designed for employee/employer groups with a minimum of 11 employees.

This product can be tailor made as per the requirement of each group to cover required limits and extended covers.

We at DNIR offer the best available cover in this class with highly competitive premium and our products are backed by international “A” rated securities and we are committed to serve our clients.


Death due To Any Cause (DAC). In the event of death (Natural or Accidental) of an insured employee, the sum assured in respect of that employee shall be paid. The employer can select the Sum assured basis as follows

  • Flat Amount, e.g., Dhs. 50,000 per person.
  • Multiple of monthly salaries, e.g., 12 Months, 24 Months Salary (or higher) per person.

Cover is compulsory and ceases at age 65 (retirement age) for all employees.

Documents Required

For proceeding with your Group Life and Personal accident insurance the following documents are required.

Census with the following details

  • Name of the employee
  • Date of Birth
  • Gender
  • Designation
  • Location of work
  • Salary
  • Required Sum Assured
  • Trade license copy of the employer
04 595 9666