Insurance should be seen as an investment, not as an expense
23 Oct 2025
It’s healthy for any family managing a household to budget and calculate their expenses on a regular basis to get a true sense of what’s coming in and what’s going out. We often hear from people who consider insurance as a sometimes necessary, oftentimes optional ‘expense’. It’s common for people to view insurance as an expense, and less common for them to consider it as an investment rather than just another cost to bear
It’s our view that insurance should be seen more as an investment, and it’s important to reframe our mindset in how we come to view insurance. Firstly, insurance is about protecting wealth, as it serves to safeguard assets that we love and need like our home, our car, or even the likes of our health and savings.
When you consider health and life insurance, these insurance products serve not only to protect wealth but also to preserve it.. More specifically, these products may help to protect families from large medical bills or they could help to maintain financial continuity.
From an investment perspective, insurance in many ways serves to complement traditional investments – let’s say if a person has real estate or even stocks. What insurance does is that it transfers risk, thereby giving individuals a greater sense of confidence to approach new opportunities.
Although investing usually generates gains, what returns are there with insurance?
At ADNIC, we see insurance not just as an expense added to your monthly budget; it is an investment in security, stability, and peace of mind. By seeing it through this lens, you recognize that every premium paid is actually building a stronger foundation for your future. This is the way you should measure returns.
As the UAE’s largest insurer, we have a range of insurance products to give you peace of mind that your health, your home and your assets are covered. As part of a broader plan for your future, we can support your long-term goals.
So, the next time you’re calculating expenses, we encourage you to view insurance as an investment, not just another routine cost.
