Sheikh Tahnoon bin Zayed chairs a meeting of Abu Dhabi’s Artificial Intelligence and Advanced Technology Council, attended by Crown Prince Sheikh Khaled bin Mohamed and senior officials.
Sheikh Tahnoon bin Zayed chairs a meeting of Abu Dhabi’s Artificial Intelligence and Advanced Technology Council, attended by Crown Prince Sheikh Khaled bin Mohamed and senior officials.
Sheikh Tahnoon bin Zayed chairs a meeting of Abu Dhabi’s Artificial Intelligence and Advanced Technology Council, attended by Crown Prince Sheikh Khaled bin Mohamed and senior officials.
Sheikh Tahnoon bin Zayed chairs a meeting of Abu Dhabi’s Artificial Intelligence and Advanced Technology Council, attended by Crown Prince Sheikh Khaled bin Mohamed and senior officials.

Abu Dhabi reviews plans to become world's first AI-enabled government by 2027


Dana Alomar
  • English
  • Arabic

In the presence of Sheikh Khaled bin Mohamed, Crown Prince of Abu Dhabi and Chairman of the Abu Dhabi Executive Council, Sheikh Tahnoon bin Zayed, Deputy Ruler of Abu Dhabi, reviewed progress on key AI and digital transformation goals that aim to make the emirate the world's first AI-enabled government by 2027.

The Artificial Intelligence and Advanced Technology Council, at its meeting chaired by Sheikh Tahnoon, also assessed the emirate’s Government Digital Strategy 2025–2027, which underpins the capital’s broader drive to embed AI at the centre of its governance model, Abu Dhabi Media office said on Wednesday.

The emirate is pursuing its AI-enabled government agenda through a combination of advanced technology adoption, investment in research, and workforce training.

During the discussions, Sheikh Tahnoon highlighted programmes to train government employees in the use of AI, alongside initiatives to raise public awareness about the technology.

Such efforts were essential to equipping the workforce and broader community to participate in Abu Dhabi’s broader digital transformation, he added.

Council members also reviewed the latest global trends in AI, investment opportunities, and the pipeline of projects already underway in the emirate.

Officials from Abu Dhabi holding company ADQ, state-owned oil and gas company Adnoc, the Department of Government Enablement and MBZUAI also updated the meeting on the ongoing initiatives.

Watch: Adnoc's race to become the most AI-enabled energy company by 2030

Resource allocation

The focus on AI governance is part of a broader national push and Abu Dhabi is committing significant funding to make its strategy a success.

About Dh13 billion ($3.53 billion) is being allocated between this year and 2027 to foster innovation and drive AI adoption across government departments.

Sheikh Mohammed bin Rashid, Prime Minister and Ruler of Dubai, announced in June that the UAE’s National Artificial Intelligence System would become an advisory member of the Cabinet from January 2026.

The system will support decision making, provide technical analysis and improve policy efficiency.

A month later, Sheikh Mohammed unveiled a new federal strategy cycle designed to put AI at the core of government planning and service delivery.

President Sheikh Mohamed with OpenAI chief executive Sam Altman at Al Shati Palace in Abu Dhabi. AFP
President Sheikh Mohamed with OpenAI chief executive Sam Altman at Al Shati Palace in Abu Dhabi. AFP

Just last week, President Sheikh Mohamed received Sam Altman, chief executive of OpenAI, in Abu Dhabi.

Discussions centred on strengthening co-operation between the company and UAE entities, with a focus on research and practical applications of AI.

Mr Altman also received the first honorary doctorate from MBZUAI in recognition of his role in bringing generative AI to global scale.

Sheikh Khaled bin Mohamed, Crown Prince of Abu Dhabi and Chairman of Abu Dhabi Executive Council and Sam Altman, chief executive of OpenAI at the inaugural Honorary Doctorate conferral ceremony of Mohamed bin Zayed University of Artificial Intelligence (MBZUAI). Photo: Abu Dhabi Media office
Sheikh Khaled bin Mohamed, Crown Prince of Abu Dhabi and Chairman of Abu Dhabi Executive Council and Sam Altman, chief executive of OpenAI at the inaugural Honorary Doctorate conferral ceremony of Mohamed bin Zayed University of Artificial Intelligence (MBZUAI). Photo: Abu Dhabi Media office

The Artificial Intelligence and Advanced Technology Council was established early last year and was charged with steering policy, research and investment.

Its work feeds directly into the emirate’s ambition to position itself as a global hub for advanced technology.

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

Updated: October 01, 2025, 7:21 PM