Photo: Amuzujoe, Wikimedia Commons, CC BY-SA 4.0Insurance companies in Ghana
The NIC list (2026)
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Get the free PDFHow to check an insurer before you buy
- Find the insurer named on your policy schedule in the list below, or search it on the NIC's Verify a licensed entity page, which shows the licence number and status.
- Check the broker or agent too: anyone who sells or arranges insurance for others needs an NIC intermediary licence (Insurance Act, 2021, section 109).
- For private health insurance, check the scheme on the NHIA list instead: see health insurance in Ghana.
Step by step: check an insurer, agent or broker.
Life, non-life, reinsurers: what the lists mean
- Life insurers sell term, funeral, credit life, whole life, endowment, unit-linked policies and annuities (NIC insurance products).
- Non-life insurers sell motor, fire and household, engineering, accident, travel and liability insurance; their policies are renewed each year and build no cash value (same page).
- Reinsurers insure the insurers. Technical service providers are licensed intermediaries that distribute or administer policies for insurers.
Several names appear on both lists (Enterprise, GLICO, Hollard, Quality, Sanlam Allianz, SIC, Vanguard; StarLife and Star Assurance). Each licence belongs to a separate company: check the exact name on your policy. In 2024 the non-life sector paid about GH¢1.45 billion in claims and life insurers GH¢1.05 billion in benefits (NIC Annual Report 2024); complaints per company are on complaints by insurer.
The list: 46 licensed insurers in Ghana
As published by the National Insurance Commission — Register of licensed entities (NIC register of licensed entities retrieved on 31 October 2026). Names are reproduced as the regulator lists them. Being on this list means a company is licensed; it is not a rating or a recommendation.
Life insurers 14
- Emple Life Insurance Ghana LTD
- Enterprise Life Assurance LTD
- GLICO Life Insurance LTD
- Hollard Life Assurance Ghana LTD
- Impact Life Insurance Limited Company
- miLife Insurance Company Limited
- Old Mutual Life Assurance Company (Ghana) Limited
- Pinnacle Life Insurance Company Limited
- Prudential Life Insurance Ghana Limited
- Quality Life Assurance Company Limited
- Sanlam Allianz Life Insurance Ghana LTD
- SIC Life Company LTD
- StarLife Assurance Limited Company
- Vanguard Life Assurance Company Limited
Non-life insurers 25
- Activa International Insurance Company Limited
- Bedrock Insurance Company Limited
- Best Assurance Company Limited
- Coronation Insurance (Ghana) LTD
- Donewell Insurance LTD
- Enterprise Insurance LTD
- Ghana Union Assurance LTD
- Glico General Insurance LTD
- Hollard Insurance Ghana LTD
- Imperial General Assurance Company Limited
- Loyalty Insurance Company Limited
- Millennium Insurance Company Limited
- NSIA Insurance Company Limited
- Phoenix Insurance Company Limited
- Prime Insurance Company Limited
- Priority Insurance LTD
- Provident Insurance Company Limited
- Quality Insurance Company Limited
- Sanlam Allianz General Insurance Ghana LTD
- Serene Insurance Company Limited
- SIC Insurance PLC
- Star Assurance Limited Company
- SUNU Assurances Ghana LTD
- Unique Insurance Company Limited
- Vanguard Assurance Company Limited
Reinsurers 3
Reinsurers insure insurers; they do not sell to the public. The NIC also licenses three reinsurance contact offices (Saha Reinsurance, W-Safe Reinsurance, WAICA Reinsurance Corporation).
- Ghana Reinsurance PLC
- GN Reinsurance Company Limited
- Mainstream Reinsurance Company Limited
Technical service providers (insurtech) 4
Technical service providers are licensed intermediaries, not insurers: they support product development, distribution, administration and claims for licensed insurers (Insurance Act, 2021).
- aYo Intermediaries Ghana LTD
- Milvik Ghana Limited (BIMA)
- Turaco Inclusive Ghana Limited Company
- Well Max Micro-Insure Limited
Insurer profiles in Ghana
The main insurance groups, with every licensed company behind the brand and where else it is licensed.
Already insured?
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Frequently asked questions
How many insurance companies are in Ghana?
The NIC register retrieved on 31 October 2026 lists 14 life insurers and 25 non-life insurers, plus 3 reinsurers and 4 technical service providers.
Is Enterprise Life licensed in Ghana?
Yes. Enterprise Life Assurance LTD is on the NIC register of life insurers, and Enterprise Insurance LTD on the register of non-life insurers (31 October 2026).
Which is the best insurance company in Ghana?
Tulinde does not rank insurers. Compare the policy wording, exclusions and excess of at least two licensed insurers, and look at the NIC's complaint figures per company.
Are health insurance companies on the NIC list?
No. Private health insurance schemes are licensed by the National Health Insurance Authority under Act 852.
Sources
- NIC — Insurers (life and non-life): register of licensed entities, retrieved 31 October 2026
- NIC — Reinsurers: register of licensed entities, retrieved 31 October 2026
- NIC — Intermediaries (brokers, loss adjusters, technical service providers): register, retrieved 31 October 2026
- NIC — Verify a licensed entity
- NIC — Insurance products: generic descriptions of the classes sold in Ghana
- NIC — Annual Report on the Insurance Industry 2024 (complaints, claims and market figures for 2024)
- Insurance Act, 2021 (Act 1061) — National Insurance Commission copy (Gazette notification 5 January 2021)