Group Risk Benefits

Protecting your people when life takes an unexpected turn

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Life doesn’t always go to plan. Accidents, illness, or the loss of a loved one can have a huge financial impact on employees and their families. In the UAE, where there is no public safety net to replace lost income, employer-provided risk benefits play a vital role in safeguarding financial security.

Why it matters in the UAE

Unlike some countries where the state provides income protection or survivor support, in the UAE the responsibility falls on individuals and employers. By offering group risk benefits, you’re not just protecting your workforce — you’re giving them and their families peace of mind that they’ll be supported when they need it most.

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Popular risk benefits in the UAE

We can help you design a package that meets your business needs and shows your people you care. Options include:

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Group Life Insurance

a lump-sum payment to dependants if an employee dies while employed

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Critical Illness Cover

financial protection if diagnosed with a serious illness

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A young man with a prosthetic leg sitting outdoors with a friend, smiling and relaxed — symbolising resilience, inclusion, and the value of income protection and group risk benefits in the UAE.

Accident and Disability Cover

supporting employees in the event of permanent or temporary disability

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Income Protection (where available)

ensuring ongoing financial support during long-term illness or injury

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Why choose Howden?

We’ll guide you through the market, explain your options in plain language, and help you build a benefits package that fits your budget and your workforce. Independent and people-first, our advice is always focused on what works best for you and your employees.

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Show your people you’ve got their back.

Talk to our UAE consultants about building a Group Risk Benefits package that protects your employees and their families when it matters most.

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