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Strategic Insurance Planning for High-Net-Worth Expats

As Vice President – MENA at Elixir Wealth – DIFC, I advise high-net-worth expats on building robust financial strategies—and protecting them. My advisory services are delivered under the oversight of Elixir Wealth, a DFSA-regulated firm, ensuring compliant, high-quality advice and independent access to the region’s leading insurance companies. This site reflects my personal advisory practice. I am not a Dubai insurance company, but a licensed Wealth Manager and Financial Planner, helping you structure protection that supports your long-term goals, not just your short-term risks.

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Protection: The Often Overlooked Cornerstone of Wealth Planning

What’s the point of building a sophisticated financial plan—retirement targets, investment goals, legacy structures—if it collapses under the weight of one unforeseen event?

Insurance is the part of your plan that protects everything else.

Whether it’s your family, your business, or your estate, the risk of unexpected loss or illness is real. With the right Life Insurance (LI) and Critical Illness Insurance (CII), you can:

  • Replace income and protect dependents

  • Avoid dipping into long-term assets in a crisis

  • Ensure estate liquidity and prevent forced asset sales

  • Equalize inheritance across heirs

  • Enable business continuity during transition or illness

  • Maintain dignity, privacy, and control in uncertain times

As your Wealth Manager and Financial Planner, licensed to advise on insurance, I integrate protection into the core of your strategy—so everything else can stand.

Tailored Life Insurance for Expats and Entrepreneurs

There is no standard solution. Whether you’re evaluating Term Life Insurance for short-term protection or exploring Whole Life Insurance for legacy and liquidity, I help you select policies that align with your broader financial vision.

I guide you through:

  • Life Insurance (LI) for family protection and estate planning

  • Whole Life Insurance for intergenerational wealth transfer

  • Term Life Insurance for specific liabilities or business continuity

  • Flexible Life Insurance Dubai solutions for global expats

  • Identifying the Best Life Insurance in UAE based on independent comparisons

As a licensed advisor—not tied to any one Dubai insurance company—I offer impartial advice with access to a wide network of insurance companies.

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Critical Illness Insurance: A Buffer Between Wealth and Risk

A Critical Illness Policy provides a lump sum payout upon diagnosis of a serious illness like cancer, stroke, or heart disease. It helps protect your assets, family, and lifestyle when you need it most.

I support clients in:

  • Evaluating Critical Illness Insurance (CII) coverage

  • Comparing offerings from multiple insurance companies

  • Preserving lifestyle and liquidity through custom planning

  • Structuring combined Life and Critical Illness Cover

  • Understanding how a Critical Illness Policy fits into long-term wealth strategy

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Real-World Claims Insights (UAE 2022–2024)

Recent market data from leading UAE insurers shows the importance of early and tailored protection:

  • Over USD 241 million in claims paid, with a 98% payout rate

  • 50% of death claims caused by cancer and heart disease

  • A 50% increase in heart attack and stroke claims among women since 2020

  • Average age for Critical Illness claims: ~55, with many in their 30s and 40s

These are not edge cases—they’re real events affecting families and businesses across the region. Building a financial plan without insurance is like constructing a home with no foundation.

Source: Zurich UAE Customer Claims Report 2025, www.zurich.ae

Independent, Regulated, Client-First

My services are delivered through Elixir Wealth – DIFC, a DFSA-regulated firm. I am not a Dubai insurance company and hold no exclusive ties to any provider. As a Wealth Manager and Financial Planner, licensed to advise on insurance, I represent your best interests—helping you choose from a range of regional and global insurance companies with clarity and discretion.

My Process: Built Around Your Priorities

  • Understand your full financial and family landscape

  • Identify exposures, blind spots, and protection gaps

  • Compare options across trusted insurance companies

  • Design a bespoke plan using Whole Life Insurance, Term Life, or a Critical Illness Policy

  • Conduct regular reviews to ensure ongoing alignment

Every solution is connected to your larger goals—wealth protection, legacy, and cross-border planning.

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 Let’s Secure What You’ve Built

If your financial plan doesn’t include built-in protection, it’s not complete. Let’s talk about how the right Life Insurance (LI), Critical Illness Insurance (CII), and structure can protect your lifestyle and legacy.

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