Photo: NanaYawBotar, Wikimedia Commons, CC BY-SA 4.0Complaints by insurer in Ghana
Complaints against insurers in Ghana, company by company (NIC 2024)
Short answerChecked 31 October 2026
In 2024 the National Insurance Commission received 626 complaints: 505 against life insurers and technical service providers, 121 against non-life insurers. Among life insurers, Impact Life (125), SIC Life (85), StarLife (55), MiLife (45) and Vanguard Life (41) received the most; among non-life insurers, Star Assurance (16), Prime (15) and Ghana Union (10). The main reasons: delays in paying surrender and maturity values, funeral, injury and death claims, and unlawful deductions (NIC Annual Report 2024).
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How to read these figures
A complaint count says nothing by itself about an insurer's size: a company with many policyholders can receive more complaints. The NIC report does not give complaints per policy, and Tulinde does not compute one. Use the reasons column to know what to watch for, and the resolved column to see what was settled through the NIC.
Both tables reproduce Tables 12 and 13 of the NIC Annual Report 2024, in alphabetical order, with the reasons shortened. Some totals in the report's detailed tables differ from its summary table (Table 6: 98 non-life and 426 life complaints resolved); we print both as published.
Life insurers
| Life insurer | Received | Resolved | Reasons given in the report |
|---|---|---|---|
| Enterprise Life Assurance LTD | 31 | 29 | Delay in payment of surrender and maturity value, funeral claims, unlawful deductions |
| First Insurance Company Ltd. | 5 | 4 | Delay in payment of education policy claim, surrender value, unlawful deduction |
| Glico Life Insurance LTD | 26 | 23 | Delay in payment of maturity and surrender benefits, unlawful or continuous deductions, commissions |
| Hollard Life Assurance Ghana LTD | 7 | 7 | Delay in payment of funeral claim and unlawful deductions |
| Impact Life Insurance Limited | 125 | 105 | Delay in settlement of maturity and surrender value, partial withdrawal, payment discrepancies, unlawful deduction |
| Metropolitan Life Insurance Ghana LTD | 17 | 17 | Delay in payment of surrender value, maturity value, funeral policy claim, unlawful deductions |
| MiLife Insurance Company Limited | 45 | 42 | Denial of claim, delay in payment of surrender value, maturity value, funeral policy claim, unlawful deductions |
| Old Mutual Life Assurance Company (Ghana) Limited | 22 | 21 | Delay in payment of surrender value, maturity value, agent commission, unlawful deduction |
| Pinnacle Life Insurance Co. Ltd. (formerly Donewell Life) | 29 | 29 | Delay in payment of surrender and maturity value, funeral claims, unlawful deductions |
| Prudential Life Insurance Ghana Limited | 7 | 7 | Delay in payment of funeral policy claim and unlawful deduction |
| Quality Life Assurance Company Limited | 1 | 1 | Delay in cancelling policy |
| Sanlam Allianz Life Insurance Ghana LTD | 6 | 6 | Delay in payment of surrender value and funeral policy claim, unlawful deduction |
| SIC Life Insurance LTD | 85 | 70 | Delay in payment of surrender and maturity value, unlawful deductions (GES policy) |
| StarLife Assurance LTD | 55 | 51 | Delay in payment of surrender value, maturity value and funeral policy claim, delay in cancelling policy, unlawful deduction |
| Vanguard Life Assurance Company Limited | 41 | 25 | Delay in payment of surrender value, maturity value and funeral policy claim, delay in cancelling, continuous deduction after surrender or maturity |
| Milvik Ghana Limited (BIMA), technical service provider | 3 | 3 | Cancellation of policy, delay in payment of claim and unlawful deduction |
| Total (as printed) | 505 | 440 |
Non-life insurers
| Non-life insurer | Received | Resolved | Reasons given in the report |
|---|---|---|---|
| Activa International Insurance Co. Ltd. | 1 | 1 | Delay in payment of injury claim |
| Bedrock Insurance Company Limited | 1 | 1 | Delay in payment of third-party property damage (TPPD) claim |
| Best Assurance Company Limited | 3 | 3 | Delay in payment of injury and death claim |
| Coronation Insurance (Ghana) LTD | 1 | 0 | Denial of liability on grounds that an extraneous factor caused the accident |
| Donewell Insurance LTD | 4 | 3 | Delay in payment of injury claims, TPPD and low quantum |
| Enterprise Insurance LTD | 7 | 5 | Delay in payment of injury, death and own damage claims |
| Ghana Union Assurance LTD | 10 | 9 | Delay in payment of injury claims, TPPD and low quantum |
| Glico General Insurance LTD | 5 | 4 | Delay in payment of injury, fire and burglary claims, low quantum |
| Hollard Insurance Ghana LTD | 6 | 6 | Delay in payment of injury, own damage and travel baggage claims |
| Imperial General Assurance Company Limited | 4 | 4 | Delay in payment of injury and death claim, payment of severance package |
| NSIA Insurance Company Limited | 1 | 1 | Delay in processing of fire claim |
| Prime Insurance Company Limited | 15 | 10 | Delay in payment of injury, death and own damage claims, low quantum |
| Priority Insurance LTD | 4 | 4 | Delay in payment of death claim and own damage claim |
| Provident Insurance Limited Company | 4 | 3 | Delay in payment of injury claim and low quantum |
| Quality Insurance PLC | 2 | 2 | Delay in payment of injury claim |
| Sanlam Allianz General Insurance Ghana LTD | 6 | 5 | Delay in payment of injury and death claim |
| Serene Insurance Company Limited | 5 | 5 | Delay in payment of injury and death claims |
| SIC Insurance PLC | 9 | 9 | Delay in payment of injury and death claims |
| Star Assurance LTD | 16 | 13 | Delay in payment of injury, death and own damage claims, low quantum |
| SUNU Assurances Ghana Limited | 8 | 7 | Delay in settlement of injury and death claims and marine insurance |
| Vanguard Assurance Company Limited | 9 | 9 | Delay in payment of injury and death claims, low quantum |
| Total (as printed) | 121 | 104 |
If you have a complaint
Write to the insurer first, then file on the NIC Complaints Hub: how to complain. Check any company on the list of licensed insurers.
Already insured?
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Frequently asked questions
Which insurance company has the most complaints in Ghana?
In the NIC's 2024 figures, Impact Life Insurance received the most complaints (125, of which 105 resolved), followed by SIC Life (85) and StarLife (55). Complaint counts are not adjusted for company size.
What do people complain about most?
For life insurers: delayed surrender and maturity payments, delayed funeral claims and unlawful deductions. For non-life insurers: delayed injury, death and own-damage motor claims and low settlement amounts (NIC Annual Report 2024).