Insurance Licensing In UAE – What Has Changed In 2026

The Regulatory Imperative for Proper Insurance Licensing in the UAE

With a number of new regulations issued and others in the pipeline, the UAE insurance regulatory landscape has entered a pivotal new phase. With the enactment of Federal Law No. 6 of 2025, the Central Bank of the UAE (CBUAE) has consolidated regulatory oversight over both banking and insurance activities under a single federal framework. Whilst this has limited bearing on existing license holders, it carries immediate and significant implications for insurance-related entities operating without proper license or through licenses issued by non-financial free zones, most notably post 31 December 2025.

Consolidation of regulatory oversight