Tax-free Growth. Borrowing on Demand. Retirement and Legacy Planning. Index Universal Life unlocks global financial freedom for Dubai-based high-net-worth individuals.
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Family Protection
Secure your family’s future with guaranteed life cover and a tax-free payout, no matter where life takes you.
Retirement Planning
Build a reliable, tax-free income stream for retirement—without giving up growth or control.
Property Loans
Access your IUL policy’s cash value to buy property in Dubai or abroad - no banks, no credit checks.
Stock Market Protection
Capture stock market upside with zero-loss protection built in for life.
Offshore Security
Offshore protection with privacy, control, and estate planning built into Indexed Universal Life Insurance.
Estate and Tax Planning
Plan your legacy with control, flexibility, and tax efficiency.
“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.
Raj Srivastava
"Working with Capital For Life is a pleasure. They delivers a constant high level of quality work and are always responsive and communicative."
Hugh McGrenra
"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."
Marc Beattie
“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”
Simon Bullock
Get expert answers on life insurance, retirement planning, property loans and trust structuring—tailored for Dubai’s global high-net-worth individuals and families.
Yes, you can. IUL policies are available to Dubai residents and expats through internationally recognised offshore insurers, as local UAE-based insurers do not offer Indexed Universal Life or jumbo policies.
Yes, just complete our online form by telling us a few more details about you and how you want to use an Index Universal Life policy. Or if you want to speak to someone first, just Book a Call with our experts who specialise in providing tailored IUL solutions for Dubai residents and expats.
Anyone in Dubai, an expat or a local Emirati, can apply for Indexed Universal Life Insurance.
Eligibility typically depends on:
• High Net Worth Status – US$1m life cover or more. Capital for Life’s services are only for HNW clients.
• Age – Our insurers cover high net worth individuals or family members aged 0–79.
• Health – Your health and medical history are important and will determine the cost of life cover
• Financial Goals – What do you want to use IUL for? Is it family protection? To finance a property purchase? Or retirement and estate planning?
Premiums vary based on your age, gender, and smoking status. At Capital for Life, we work exclusively with high-net-worth individuals and high earners. To open anIUL policy, you’ll typically need to invest at least USD 35,000 per year. Many clients contribute USD 100,000+ annually to maximise cash value, support estate planning, and build long-term wealth—for retirement planning or borrowing needs.
Yes. You can borrow against your IUL’s cash value to fund property purchases, without triggering a taxable event or needing bank financing.
Yes, our services are designed for high-net-worth clients in the United Arab Emirates. We will work with you to understand your needs and refer you to one of our global partners to take care of you personally.
Top-rated international insurers issue IUL policies with strong financial ratings (A or higher) from agencies like AM Best and S&P. These companies typically have multi-billion-dollar balance sheets and operate under strict regulatory oversight.
You can do both. Many clients choose policy loans because they are tax-free, don’t require liquidation of investments, and allow the policy to continue growing.
Yes, some medical and financial underwriting is typically required. However, many providers offer streamlined or executive screening processes for HNW clients in Dubai.
IUL offers more flexibility, offshore access, and tax benefits compared to local term or investment-linked policies offered by UAE-based insurers.
Because it’s held offshore, IUL can be structured to avoid Sharia-based forced heirship rules and aligned with international trusts, offering greater control over who inherits your wealth.
Yes. IUL allows complete flexibility in naming beneficiaries, unlike some regional policies constrained by local succession laws.
Nothing changes. Your policy is globally portable, remains in force, and can continue to grow and provide coverage no matter where you relocate.
While not Sharia-compliant by default, IUL policies can be structured to meet ethical investment preferences and avoid inheritance restrictions through offshore planning.
Yes. Many HNW clients choose to fund policies upfront or over 5–10 years for efficient estate planning and faster access to liquidity.
Providers offer policies in US dollars, allowing currency diversification alongside global protection. The dirham (AED) currency is pegged to the US dollar.
We’ve designed hundreds of IUL policies.Trust us to design one just right, tailored to your financial goals and lifestyle.
Submit the required documentation and we will complete the underwriting process.
Begin enjoying the benefits of your IUL policy immediately. Protect your family, use it to borrow against or just save for a rainy day or retirement.
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