Check Your Life Insurance Policy — UAE
Upload your life insurance policy. AI checks hidden exclusions, waiting periods, beneficiary terms, and critical illness coverage gaps in 30 seconds.
What TenderScan checks in your life insurance policy:
What We Find
Critical risks our AI flags in life insurance policies
Hidden Exclusion Clauses
Policies excluding death from pre-existing conditions, extreme sports, travel to certain countries, or mental health-related causes. These exclusions void claims when families need them most.
Declining Cover Value
Decreasing term policies where the payout reduces each year while your premiums stay the same. Common in mortgage-linked policies — your family gets less over time.
Waiting Period Traps
Extended waiting periods of 1-2 years before full cover applies. If a claim occurs during this period, only premiums are refunded — not the full sum assured.
Beneficiary Complications
Unclear beneficiary designation clauses or terms that override your wishes under UAE succession law. Your policy may not pay out to who you intend.
Critical Illness Gaps
Critical illness riders with narrow definitions that exclude common conditions. Cancer coverage that only covers late-stage diagnosis or specific organ cancers.
Non-Disclosure Penalties
Harsh non-disclosure terms allowing the insurer to void the entire policy for minor omissions on your application, even if unrelated to the claim.
Real Finding
We found “death occurring outside the UAE for more than 90 consecutive days is excluded from cover” in 29% of UAE life insurance policies analysed. Expats visiting family abroad could unknowingly void their cover.