finpeel Answers · UAE · updated 2026-08-14
Yes, if your company performs a regulated insurance distribution or insurance-related profession; moving the journey online does not remove the underlying licensing requirement. The CBUAE also has specific rules governing electronic insurance operations.
A licensed insurer, broker or other permitted intermediary can distribute through digital channels subject to the applicable rules. A pure software vendor may sit outside the distribution licence if it does not itself solicit, advise, arrange or sell insurance.
Map the customer-facing role, remuneration, policy placement and responsibility for advice or sale before deciding whether the fintech is merely technology or a regulated distributor.
Regulator: Central Bank of the UAE (CBUAE)
Primary sources: CBUAE — Insurance Rulebook · CBUAE — Electronic Insurance Regulations
Directional — not legal advice. Verify with the regulator before committing.
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