{
  "dataset": "Insurers Global — Africa Insurance Companies Directory",
  "version": "2026-09-02+b4c86679e80b",
  "verified": "2026-09-02",
  "licence": "CC BY 4.0 — attribute KAFS North America (Kenbright Actuarial and Financial Services North America), https://insurers.global",
  "count": 50,
  "data": [
    {
      "slug": "algeria",
      "name": "Algeria",
      "workbookName": "Algeria",
      "iso2": "DZ",
      "iso3": "DZA",
      "isoNum": "012",
      "region": "north-africa",
      "regulator": {
        "name": "Commission de Supervision des Assurances (Ministry of Finance)",
        "acronym": "CSA",
        "website": null,
        "regime": "Ordonnance 95-07; life/non-life separation",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "DZD",
      "total": 22,
      "byClass": {
        "general-non-life": 10,
        "life": 8,
        "reinsurer": 1,
        "takaful-islamic": 1,
        "specialty-credit-captive": 2
      },
      "byGroupType": {
        "domestic-private": 5,
        "foreign-multinational": 6,
        "state-owned-parastatal": 10,
        "mutual-cooperative": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/algeria/",
      "api": "https://insurers.global/api/v1/countries/algeria.json"
    },
    {
      "slug": "angola",
      "name": "Angola",
      "workbookName": "Angola",
      "iso2": "AO",
      "iso3": "AGO",
      "isoNum": "024",
      "region": "central-africa",
      "regulator": {
        "name": "Agencia Angolana de Regulacao e Supervisao de Seguros",
        "acronym": "ARSEG",
        "website": "https://arseg.ao",
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "AOA",
      "total": 11,
      "byClass": {
        "composite": 11
      },
      "byGroupType": {
        "domestic-private": 8,
        "state-owned-parastatal": 1,
        "foreign-multinational": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/angola/",
      "api": "https://insurers.global/api/v1/countries/angola.json"
    },
    {
      "slug": "benin",
      "name": "Benin",
      "workbookName": "Benin",
      "iso2": "BJ",
      "iso3": "BEN",
      "isoNum": "204",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "FANAF Annuaire 2026 (exercice 2024): 6 life, 7 non-life"
      },
      "currency": "XOF",
      "total": 13,
      "byClass": {
        "general-non-life": 7,
        "life": 6
      },
      "byGroupType": {
        "pan-african-group": 9,
        "domestic-private": 4
      },
      "verification": {
        "level": "verified",
        "status": "Verified - FANAF 2026",
        "source": "FANAF Annuaire 2026 (FY2024)",
        "corrections": "Atlantique rebranded AFG Assurances; added CIF Vie, L'Africaine Vie, Nobila"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/benin/",
      "api": "https://insurers.global/api/v1/countries/benin.json"
    },
    {
      "slug": "botswana",
      "name": "Botswana",
      "workbookName": "Botswana",
      "iso2": "BW",
      "iso3": "BWA",
      "isoNum": "072",
      "region": "southern-africa",
      "regulator": {
        "name": "Non-Bank Financial Institutions Regulatory Authority",
        "acronym": "NBFIRA",
        "website": "https://nbfira.org.bw",
        "regime": "Insurance Industry Act 2015",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "BWP",
      "total": 14,
      "byClass": {
        "general-non-life": 6,
        "life": 6,
        "reinsurer": 1,
        "specialty-credit-captive": 1
      },
      "byGroupType": {
        "domestic-private": 4,
        "pan-african-group": 9,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/botswana/",
      "api": "https://insurers.global/api/v1/countries/botswana.json"
    },
    {
      "slug": "burkina-faso",
      "name": "Burkina Faso",
      "workbookName": "Burkina Faso",
      "iso2": "BF",
      "iso3": "BFA",
      "isoNum": "854",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "FANAF Annuaire 2026 (exercice 2024): 7 life, 8 non-life, 1 reinsurer"
      },
      "currency": "XOF",
      "total": 15,
      "byClass": {
        "general-non-life": 8,
        "life": 7
      },
      "byGroupType": {
        "pan-african-group": 7,
        "domestic-private": 8
      },
      "verification": {
        "level": "verified",
        "status": "Verified - FANAF 2026",
        "source": "FANAF Annuaire 2026 (FY2024)",
        "corrections": "Added CIF Vie, Coris Vie, GA Vie, SONAR Vie, Sunu Vie, UAB Vie, Jackson Assurances"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/burkina-faso/",
      "api": "https://insurers.global/api/v1/countries/burkina-faso.json"
    },
    {
      "slug": "burundi",
      "name": "Burundi",
      "workbookName": "Burundi",
      "iso2": "BI",
      "iso3": "BDI",
      "isoNum": "108",
      "region": "east-africa",
      "regulator": {
        "name": "Agence de Regulation et de Controle des Assurances",
        "acronym": "ARCA",
        "website": "https://arca.bi",
        "regime": "Insurance Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "BIF",
      "total": 6,
      "byClass": {
        "composite": 5,
        "general-non-life": 1
      },
      "byGroupType": {
        "domestic-private": 4,
        "state-owned-parastatal": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/burundi/",
      "api": "https://insurers.global/api/v1/countries/burundi.json"
    },
    {
      "slug": "cabo-verde",
      "name": "Cabo Verde",
      "workbookName": "Cabo Verde",
      "iso2": "CV",
      "iso3": "CPV",
      "isoNum": "132",
      "region": "west-africa",
      "regulator": {
        "name": "Banco de Cabo Verde",
        "acronym": "BCV",
        "website": "https://bcv.cv",
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "CVE",
      "total": 2,
      "byClass": {
        "composite": 2
      },
      "byGroupType": {
        "foreign-multinational": 1,
        "domestic-private": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/cabo-verde/",
      "api": "https://insurers.global/api/v1/countries/cabo-verde.json"
    },
    {
      "slug": "cameroon",
      "name": "Cameroon",
      "workbookName": "Cameroon",
      "iso2": "CM",
      "iso3": "CMR",
      "isoNum": "120",
      "region": "central-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "FANAF Annuaire 2026 (exercice 2024): 10 life, 16 non-life, 3 reinsurers"
      },
      "currency": "XAF",
      "total": 29,
      "byClass": {
        "general-non-life": 15,
        "life": 10,
        "reinsurer": 3,
        "specialty-credit-captive": 1
      },
      "byGroupType": {
        "foreign-multinational": 3,
        "pan-african-group": 15,
        "domestic-private": 9,
        "regional-multilateral": 1,
        "mutual-cooperative": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - FANAF 2026",
        "source": "FANAF Annuaire 2026 (FY2024)",
        "corrections": "Added ACAM Vie, SAAR Vie, Wafa Vie, Sunu Vie, ARA, AGC; SanlamAllianz consolidated"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/cameroon/",
      "api": "https://insurers.global/api/v1/countries/cameroon.json"
    },
    {
      "slug": "central-african-republic",
      "name": "Central African Republic",
      "workbookName": "Central African Republic",
      "iso2": "CF",
      "iso3": "CAF",
      "isoNum": "140",
      "region": "central-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XAF",
      "total": 1,
      "byClass": {
        "composite": 1
      },
      "byGroupType": {
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/central-african-republic/",
      "api": "https://insurers.global/api/v1/countries/central-african-republic.json"
    },
    {
      "slug": "chad",
      "name": "Chad",
      "workbookName": "Chad",
      "iso2": "TD",
      "iso3": "TCD",
      "isoNum": "148",
      "region": "central-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XAF",
      "total": 2,
      "byClass": {
        "composite": 1,
        "general-non-life": 1
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/chad/",
      "api": "https://insurers.global/api/v1/countries/chad.json"
    },
    {
      "slug": "cote-divoire",
      "name": "Côte d'Ivoire",
      "workbookName": "Cote d'Ivoire",
      "iso2": "CI",
      "iso3": "CIV",
      "isoNum": "384",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code; 14-state single regulator",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XOF",
      "total": 23,
      "byClass": {
        "composite": 2,
        "general-non-life": 12,
        "life": 6,
        "reinsurer": 3
      },
      "byGroupType": {
        "foreign-multinational": 2,
        "pan-african-group": 15,
        "domestic-private": 5,
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/cote-divoire/",
      "api": "https://insurers.global/api/v1/countries/cote-divoire.json"
    },
    {
      "slug": "dr-congo",
      "name": "Democratic Republic of the Congo",
      "workbookName": "DR Congo",
      "iso2": "CD",
      "iso3": "COD",
      "isoNum": "180",
      "region": "central-africa",
      "regulator": {
        "name": "Autorite de Regulation et de Controle des Assurances",
        "acronym": "ARCA",
        "website": "https://arca.cd",
        "regime": "Insurance Code 2015; liberalised 2019",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "CDF",
      "total": 8,
      "byClass": {
        "composite": 1,
        "general-non-life": 5,
        "life": 2
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "pan-african-group": 4,
        "domestic-private": 3
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/dr-congo/",
      "api": "https://insurers.global/api/v1/countries/dr-congo.json"
    },
    {
      "slug": "djibouti",
      "name": "Djibouti",
      "workbookName": "Djibouti",
      "iso2": "DJ",
      "iso3": "DJI",
      "isoNum": "262",
      "region": "east-africa",
      "regulator": {
        "name": "Ministry of Economy and Finance (Insurance Directorate)",
        "acronym": null,
        "website": null,
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "DJF",
      "total": 2,
      "byClass": {
        "composite": 2
      },
      "byGroupType": {
        "domestic-private": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/djibouti/",
      "api": "https://insurers.global/api/v1/countries/djibouti.json"
    },
    {
      "slug": "egypt",
      "name": "Egypt",
      "workbookName": "Egypt",
      "iso2": "EG",
      "iso3": "EGY",
      "isoNum": "818",
      "region": "north-africa",
      "regulator": {
        "name": "Financial Regulatory Authority",
        "acronym": "FRA",
        "website": "https://fra.gov.eg",
        "regime": "Unified Insurance Law 155/2024",
        "registerSource": "FAIR member register + FRA-licensed list (IFE ~39 members)"
      },
      "currency": "EGP",
      "total": 38,
      "byClass": {
        "general-non-life": 15,
        "health-medical": 1,
        "life": 12,
        "takaful-islamic": 10
      },
      "byGroupType": {
        "foreign-multinational": 18,
        "domestic-private": 15,
        "mutual-cooperative": 1,
        "state-owned-parastatal": 4
      },
      "verification": {
        "level": "verified",
        "status": "Verified - industry register",
        "source": "FAIR members + FRA-licensed list",
        "corrections": "Added Mohandes Life, Suez Canal Life, Kaf Life, QNB Al Ahli Life, Al Wataniya, Co-operative Insurance Society, Salama Takaful, Misr Takaful Property/Hayat, MEDGULF, Libano-Suisse Takaful, Egyptian Saudi Insurance House, AIG Egypt"
      },
      "marketNotes": [
        {
          "event": "Unified Insurance Law 155/2024 in force; FRA Decision 230/2025 sets approved-reinsurer list",
          "effect": "Domestic register unchanged"
        }
      ],
      "url": "https://insurers.global/countries/egypt/",
      "api": "https://insurers.global/api/v1/countries/egypt.json"
    },
    {
      "slug": "eritrea",
      "name": "Eritrea",
      "workbookName": "Eritrea",
      "iso2": "ER",
      "iso3": "ERI",
      "isoNum": "232",
      "region": "east-africa",
      "regulator": {
        "name": "Bank of Eritrea",
        "acronym": null,
        "website": null,
        "regime": "Single state insurer",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "ERN",
      "total": 1,
      "byClass": {
        "composite": 1
      },
      "byGroupType": {
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/eritrea/",
      "api": "https://insurers.global/api/v1/countries/eritrea.json"
    },
    {
      "slug": "eswatini",
      "name": "Eswatini",
      "workbookName": "Eswatini",
      "iso2": "SZ",
      "iso3": "SWZ",
      "isoNum": "748",
      "region": "southern-africa",
      "regulator": {
        "name": "Financial Services Regulatory Authority",
        "acronym": "FSRA",
        "website": "https://fsra.co.sz",
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SZL",
      "total": 6,
      "byClass": {
        "composite": 1,
        "general-non-life": 2,
        "life": 3
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "domestic-private": 2,
        "pan-african-group": 3
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/eswatini/",
      "api": "https://insurers.global/api/v1/countries/eswatini.json"
    },
    {
      "slug": "ethiopia",
      "name": "Ethiopia",
      "workbookName": "Ethiopia",
      "iso2": "ET",
      "iso3": "ETH",
      "isoNum": "231",
      "region": "east-africa",
      "regulator": {
        "name": "National Bank of Ethiopia",
        "acronym": "NBE",
        "website": "https://nbe.gov.et",
        "regime": "Insurance Business Proclamation 746/2012; market opening to foreign investors",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "ETB",
      "total": 19,
      "byClass": {
        "composite": 18,
        "reinsurer": 1
      },
      "byGroupType": {
        "domestic-private": 17,
        "state-owned-parastatal": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/ethiopia/",
      "api": "https://insurers.global/api/v1/countries/ethiopia.json"
    },
    {
      "slug": "gabon",
      "name": "Gabon",
      "workbookName": "Gabon",
      "iso2": "GA",
      "iso3": "GAB",
      "isoNum": "266",
      "region": "central-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XAF",
      "total": 7,
      "byClass": {
        "composite": 4,
        "general-non-life": 2,
        "life": 1
      },
      "byGroupType": {
        "foreign-multinational": 1,
        "pan-african-group": 3,
        "domestic-private": 3
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/gabon/",
      "api": "https://insurers.global/api/v1/countries/gabon.json"
    },
    {
      "slug": "ghana",
      "name": "Ghana",
      "workbookName": "Ghana",
      "iso2": "GH",
      "iso3": "GHA",
      "isoNum": "288",
      "region": "west-africa",
      "regulator": {
        "name": "National Insurance Commission",
        "acronym": "NIC",
        "website": "https://nicgh.org",
        "regime": "Insurance Act 2021 (Act 1061)",
        "registerSource": "NIC Ghana good-standing list (base) with post-2020 licensing and M&A annotated - verify on nic.gov.gh"
      },
      "currency": "GHS",
      "total": 48,
      "byClass": {
        "general-non-life": 27,
        "life": 17,
        "reinsurer": 4
      },
      "byGroupType": {
        "pan-african-group": 14,
        "domestic-private": 30,
        "state-owned-parastatal": 3,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - register base + annotations",
        "source": "NIC good-standing list; NIC register page is JS-only",
        "corrections": "Added Exceed Life, First Insurance, GUA Life, miLife, Quality Life, Aster Life; Allianz+Saham consolidated as Sanlam Allianz; Wapic renamed Coronation; removed Esich Life, Beige Assure, Ghana Life, Capital Express Ghana (not on NIC list)"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/ghana/",
      "api": "https://insurers.global/api/v1/countries/ghana.json"
    },
    {
      "slug": "guinea",
      "name": "Guinea",
      "workbookName": "Guinea",
      "iso2": "GN",
      "iso3": "GIN",
      "isoNum": "324",
      "region": "west-africa",
      "regulator": {
        "name": "Banque Centrale de la Republique de Guinee (Insurance Supervision)",
        "acronym": "BCRG",
        "website": "https://bcrg-guinee.org",
        "regime": "Non-CIMA",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "GNF",
      "total": 5,
      "byClass": {
        "composite": 4,
        "general-non-life": 1
      },
      "byGroupType": {
        "pan-african-group": 3,
        "domestic-private": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/guinea/",
      "api": "https://insurers.global/api/v1/countries/guinea.json"
    },
    {
      "slug": "kenya",
      "name": "Kenya",
      "workbookName": "Kenya",
      "iso2": "KE",
      "iso3": "KEN",
      "isoNum": "404",
      "region": "east-africa",
      "regulator": {
        "name": "Insurance Regulatory Authority",
        "acronym": "IRA",
        "website": "https://ira.go.ke",
        "regime": "Insurance Act Cap 487; risk-based capital",
        "registerSource": "IRA Kenya Gazette notice, 30 Apr 2026 (Section 184) - full register"
      },
      "currency": "KES",
      "total": 64,
      "byClass": {
        "general-non-life": 30,
        "health-medical": 4,
        "life": 19,
        "microinsurer": 5,
        "reinsurer": 5,
        "takaful-islamic": 1
      },
      "byGroupType": {
        "pan-african-group": 33,
        "domestic-private": 27,
        "foreign-multinational": 3,
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "IRA Gazette 30 Apr 2026",
        "corrections": "Removed Corporate Insurance, Trident, Xplico, Invesco, Kuscco Mutual, Metropolitan Cannon (not on 2026 gazette); added NCBA Insurance, Star Discover, Bupa Global, Definite, Equity General/Health, Cannon, AMACO, 5 micro-insurers"
      },
      "marketNotes": [
        {
          "event": "IRA gazetted 2026 licensed insurers (30 Apr 2026): 5 reinsurers, 35 general, 22 life, 5 micro",
          "effect": "Master List mirrors gazette; distressed firms under PCF statutory management omitted"
        },
        {
          "event": "Sanlam and Allianz operate as Sanlam Allianz in Kenya; AIG Kenya now NCBA Insurance; Equity Group licensed for general and health",
          "effect": "Names updated"
        }
      ],
      "url": "https://insurers.global/countries/kenya/",
      "api": "https://insurers.global/api/v1/countries/kenya.json"
    },
    {
      "slug": "lesotho",
      "name": "Lesotho",
      "workbookName": "Lesotho",
      "iso2": "LS",
      "iso3": "LSO",
      "isoNum": "426",
      "region": "southern-africa",
      "regulator": {
        "name": "Central Bank of Lesotho (Insurance Supervision)",
        "acronym": "CBL",
        "website": "https://centralbank.org.ls",
        "regime": "Insurance Act 2014",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "LSL",
      "total": 5,
      "byClass": {
        "composite": 1,
        "general-non-life": 1,
        "life": 3
      },
      "byGroupType": {
        "domestic-private": 1,
        "pan-african-group": 4
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/lesotho/",
      "api": "https://insurers.global/api/v1/countries/lesotho.json"
    },
    {
      "slug": "liberia",
      "name": "Liberia",
      "workbookName": "Liberia",
      "iso2": "LR",
      "iso3": "LBR",
      "isoNum": "430",
      "region": "west-africa",
      "regulator": {
        "name": "Central Bank of Liberia (Insurance Supervision)",
        "acronym": "CBL",
        "website": "https://cbl.org.lr",
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "LRD",
      "total": 5,
      "byClass": {
        "composite": 3,
        "general-non-life": 2
      },
      "byGroupType": {
        "domestic-private": 3,
        "pan-african-group": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/liberia/",
      "api": "https://insurers.global/api/v1/countries/liberia.json"
    },
    {
      "slug": "libya",
      "name": "Libya",
      "workbookName": "Libya",
      "iso2": "LY",
      "iso3": "LBY",
      "isoNum": "434",
      "region": "north-africa",
      "regulator": {
        "name": "Libyan Insurance Supervisory Authority",
        "acronym": null,
        "website": null,
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "LYD",
      "total": 5,
      "byClass": {
        "composite": 4,
        "takaful-islamic": 1
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "domestic-private": 3,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/libya/",
      "api": "https://insurers.global/api/v1/countries/libya.json"
    },
    {
      "slug": "madagascar",
      "name": "Madagascar",
      "workbookName": "Madagascar",
      "iso2": "MG",
      "iso3": "MDG",
      "isoNum": "450",
      "region": "indian-ocean",
      "regulator": {
        "name": "Commission de Supervision Bancaire et Financiere / Ministry of Finance",
        "acronym": "CSBF",
        "website": null,
        "regime": "Non-CIMA francophone market",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MGA",
      "total": 4,
      "byClass": {
        "composite": 4
      },
      "byGroupType": {
        "state-owned-parastatal": 2,
        "mutual-cooperative": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/madagascar/",
      "api": "https://insurers.global/api/v1/countries/madagascar.json"
    },
    {
      "slug": "malawi",
      "name": "Malawi",
      "workbookName": "Malawi",
      "iso2": "MW",
      "iso3": "MWI",
      "isoNum": "454",
      "region": "southern-africa",
      "regulator": {
        "name": "Reserve Bank of Malawi (Pensions and Insurance Supervision)",
        "acronym": "RBM",
        "website": "https://rbm.mw",
        "regime": "Insurance Act 2010",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MWK",
      "total": 10,
      "byClass": {
        "general-non-life": 6,
        "life": 4
      },
      "byGroupType": {
        "pan-african-group": 2,
        "domestic-private": 8
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/malawi/",
      "api": "https://insurers.global/api/v1/countries/malawi.json"
    },
    {
      "slug": "mali",
      "name": "Mali",
      "workbookName": "Mali",
      "iso2": "ML",
      "iso3": "MLI",
      "isoNum": "466",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XOF",
      "total": 5,
      "byClass": {
        "composite": 4,
        "general-non-life": 1
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "pan-african-group": 3,
        "domestic-private": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/mali/",
      "api": "https://insurers.global/api/v1/countries/mali.json"
    },
    {
      "slug": "mauritania",
      "name": "Mauritania",
      "workbookName": "Mauritania",
      "iso2": "MR",
      "iso3": "MRT",
      "isoNum": "478",
      "region": "north-africa",
      "regulator": {
        "name": "Direction du Controle des Assurances (Ministry of Finance)",
        "acronym": null,
        "website": null,
        "regime": "Non-CIMA francophone market",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MRU",
      "total": 3,
      "byClass": {
        "composite": 3
      },
      "byGroupType": {
        "domestic-private": 1,
        "state-owned-parastatal": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/mauritania/",
      "api": "https://insurers.global/api/v1/countries/mauritania.json"
    },
    {
      "slug": "mauritius",
      "name": "Mauritius",
      "workbookName": "Mauritius",
      "iso2": "MU",
      "iso3": "MUS",
      "isoNum": "480",
      "region": "indian-ocean",
      "regulator": {
        "name": "Financial Services Commission",
        "acronym": "FSC",
        "website": "https://fscmauritius.org",
        "regime": "Insurance Act 2005",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MUR",
      "total": 18,
      "byClass": {
        "general-non-life": 13,
        "life": 5
      },
      "byGroupType": {
        "domestic-private": 10,
        "pan-african-group": 3,
        "state-owned-parastatal": 4,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/mauritius/",
      "api": "https://insurers.global/api/v1/countries/mauritius.json"
    },
    {
      "slug": "morocco",
      "name": "Morocco",
      "workbookName": "Morocco",
      "iso2": "MA",
      "iso3": "MAR",
      "isoNum": "504",
      "region": "north-africa",
      "regulator": {
        "name": "Autorite de Controle des Assurances et de la Prevoyance Sociale",
        "acronym": "ACAPS",
        "website": "https://acaps.ma",
        "regime": "Code des Assurances; SBR risk-based solvency",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MAD",
      "total": 22,
      "byClass": {
        "composite": 7,
        "funeral-assistance": 4,
        "general-non-life": 1,
        "life": 2,
        "reinsurer": 2,
        "takaful-islamic": 4,
        "specialty-credit-captive": 2
      },
      "byGroupType": {
        "foreign-multinational": 5,
        "domestic-private": 10,
        "mutual-cooperative": 3,
        "pan-african-group": 3,
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/morocco/",
      "api": "https://insurers.global/api/v1/countries/morocco.json"
    },
    {
      "slug": "mozambique",
      "name": "Mozambique",
      "workbookName": "Mozambique",
      "iso2": "MZ",
      "iso3": "MOZ",
      "isoNum": "508",
      "region": "southern-africa",
      "regulator": {
        "name": "Instituto de Supervisao de Seguros de Mocambique",
        "acronym": "ISSM",
        "website": "https://issm.gov.mz",
        "regime": null,
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "MZN",
      "total": 11,
      "byClass": {
        "composite": 4,
        "general-non-life": 4,
        "health-medical": 1,
        "life": 1,
        "reinsurer": 1
      },
      "byGroupType": {
        "state-owned-parastatal": 2,
        "foreign-multinational": 1,
        "pan-african-group": 4,
        "domestic-private": 4
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/mozambique/",
      "api": "https://insurers.global/api/v1/countries/mozambique.json"
    },
    {
      "slug": "namibia",
      "name": "Namibia",
      "workbookName": "Namibia",
      "iso2": "NA",
      "iso3": "NAM",
      "isoNum": "516",
      "region": "southern-africa",
      "regulator": {
        "name": "Namibia Financial Institutions Supervisory Authority",
        "acronym": "NAMFISA",
        "website": "https://namfisa.com.na",
        "regime": "FIM Act",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "NAD",
      "total": 14,
      "byClass": {
        "composite": 1,
        "general-non-life": 5,
        "life": 6,
        "reinsurer": 1,
        "specialty-credit-captive": 1
      },
      "byGroupType": {
        "pan-african-group": 9,
        "domestic-private": 4,
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/namibia/",
      "api": "https://insurers.global/api/v1/countries/namibia.json"
    },
    {
      "slug": "niger",
      "name": "Niger",
      "workbookName": "Niger",
      "iso2": "NE",
      "iso3": "NER",
      "isoNum": "562",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XOF",
      "total": 5,
      "byClass": {
        "composite": 2,
        "general-non-life": 3
      },
      "byGroupType": {
        "pan-african-group": 2,
        "domestic-private": 3
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/niger/",
      "api": "https://insurers.global/api/v1/countries/niger.json"
    },
    {
      "slug": "nigeria",
      "name": "Nigeria",
      "workbookName": "Nigeria",
      "iso2": "NG",
      "iso3": "NGA",
      "isoNum": "566",
      "region": "west-africa",
      "regulator": {
        "name": "National Insurance Commission",
        "acronym": "NAICOM",
        "website": "https://naicom.gov.ng",
        "regime": "Insurance Act 2003; NIIRA 2025 recapitalisation",
        "registerSource": "NAICOM NIIRA 2025 recapitalisation notices, 31 Jul and 13 Aug 2026 - full post-recapitalisation register"
      },
      "currency": "NGN",
      "total": 51,
      "byClass": {
        "composite": 8,
        "general-non-life": 28,
        "life": 12,
        "reinsurer": 3
      },
      "byGroupType": {
        "domestic-private": 33,
        "foreign-multinational": 3,
        "pan-african-group": 14,
        "regional-multilateral": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "NAICOM notices 31 Jul & 13 Aug 2026",
        "corrections": "Register cut to 50 recapitalised operators; removed Nigeria Re (revoked), Universal (revoked, in court), Old Mutual Nigeria, Royal Exchange Life, African Alliance, Staco, takaful operators and others not confirmed compliant; added NPF Insurance, Rex, Unitrust, emPLE, Fortis Global, IGI, CHI Life"
      },
      "marketNotes": [
        {
          "event": "NIIRA 2025 recapitalisation closed 31 Jul 2026; 48 insurers + 2 reinsurers confirmed compliant (NAICOM notices 31 Jul, 13 Aug 2026)",
          "effect": "Register reduced from ~58 to 50 operators; non-compliant firms omitted"
        },
        {
          "event": "Nigeria Reinsurance Corp licence revoked; receiver/liquidator appointed 3 Aug 2026",
          "effect": "Removed from Reinsurers sheet"
        },
        {
          "event": "Universal Insurance licence revoked; litigation pending (Aug 2026)",
          "effect": "Omitted pending court outcome"
        },
        {
          "event": "NSIA Insurance exited life business; portfolio transferred to CHI Life (Sep 2026)",
          "effect": "NSIA listed as non-life only"
        }
      ],
      "url": "https://insurers.global/countries/nigeria/",
      "api": "https://insurers.global/api/v1/countries/nigeria.json"
    },
    {
      "slug": "republic-of-congo",
      "name": "Republic of the Congo",
      "workbookName": "Republic of Congo",
      "iso2": "CG",
      "iso3": "COG",
      "isoNum": "178",
      "region": "central-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XAF",
      "total": 4,
      "byClass": {
        "composite": 4
      },
      "byGroupType": {
        "domestic-private": 1,
        "state-owned-parastatal": 1,
        "pan-african-group": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/republic-of-congo/",
      "api": "https://insurers.global/api/v1/countries/republic-of-congo.json"
    },
    {
      "slug": "rwanda",
      "name": "Rwanda",
      "workbookName": "Rwanda",
      "iso2": "RW",
      "iso3": "RWA",
      "isoNum": "646",
      "region": "east-africa",
      "regulator": {
        "name": "National Bank of Rwanda",
        "acronym": "BNR",
        "website": "https://bnr.rw",
        "regime": "Insurance Law 2009 (as amended)",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "RWF",
      "total": 14,
      "byClass": {
        "general-non-life": 9,
        "health-medical": 2,
        "life": 3
      },
      "byGroupType": {
        "domestic-private": 7,
        "pan-african-group": 6,
        "state-owned-parastatal": 1
      },
      "verification": {
        "level": "partial",
        "status": "Partially verified",
        "source": "BNR licensed-insurers PDF (Jan 2025) is image-only; company names confirmed via BNR page metadata (Sanlam Allianz, Prime, Old Mutual, Eden Care)",
        "corrections": "Knowledge-based list retained; matches known 14 private + 2 public insurers"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/rwanda/",
      "api": "https://insurers.global/api/v1/countries/rwanda.json"
    },
    {
      "slug": "senegal",
      "name": "Senegal",
      "workbookName": "Senegal",
      "iso2": "SN",
      "iso3": "SEN",
      "isoNum": "686",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XOF",
      "total": 14,
      "byClass": {
        "composite": 6,
        "general-non-life": 6,
        "life": 1,
        "reinsurer": 1
      },
      "byGroupType": {
        "pan-african-group": 5,
        "foreign-multinational": 1,
        "domestic-private": 6,
        "state-owned-parastatal": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/senegal/",
      "api": "https://insurers.global/api/v1/countries/senegal.json"
    },
    {
      "slug": "seychelles",
      "name": "Seychelles",
      "workbookName": "Seychelles",
      "iso2": "SC",
      "iso3": "SYC",
      "isoNum": "690",
      "region": "indian-ocean",
      "regulator": {
        "name": "Financial Services Authority",
        "acronym": "FSA",
        "website": "https://fsaseychelles.sc",
        "regime": "Insurance Act 2008",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SCR",
      "total": 3,
      "byClass": {
        "composite": 1,
        "general-non-life": 2
      },
      "byGroupType": {
        "state-owned-parastatal": 1,
        "domestic-private": 1,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/seychelles/",
      "api": "https://insurers.global/api/v1/countries/seychelles.json"
    },
    {
      "slug": "sierra-leone",
      "name": "Sierra Leone",
      "workbookName": "Sierra Leone",
      "iso2": "SL",
      "iso3": "SLE",
      "isoNum": "694",
      "region": "west-africa",
      "regulator": {
        "name": "Sierra Leone Insurance Commission",
        "acronym": "SLICOM",
        "website": "https://slicom.gov.sl",
        "regime": "Insurance Act 2016",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SLE",
      "total": 6,
      "byClass": {
        "composite": 4,
        "general-non-life": 1,
        "reinsurer": 1
      },
      "byGroupType": {
        "domestic-private": 3,
        "state-owned-parastatal": 1,
        "pan-african-group": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/sierra-leone/",
      "api": "https://insurers.global/api/v1/countries/sierra-leone.json"
    },
    {
      "slug": "somalia",
      "name": "Somalia",
      "workbookName": "Somalia",
      "iso2": "SO",
      "iso3": "SOM",
      "isoNum": "706",
      "region": "east-africa",
      "regulator": {
        "name": "Central Bank of Somalia",
        "acronym": "CBS",
        "website": "https://centralbank.gov.so",
        "regime": "Nascent regime",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SOS",
      "total": 1,
      "byClass": {
        "takaful-islamic": 1
      },
      "byGroupType": {
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/somalia/",
      "api": "https://insurers.global/api/v1/countries/somalia.json"
    },
    {
      "slug": "south-africa",
      "name": "South Africa",
      "workbookName": "South Africa",
      "iso2": "ZA",
      "iso3": "ZAF",
      "isoNum": "710",
      "region": "southern-africa",
      "regulator": {
        "name": "Prudential Authority (SARB) and Financial Sector Conduct Authority",
        "acronym": "PA / FSCA",
        "website": "https://resbank.co.za",
        "regime": "Twin Peaks; Insurance Act 2017; SAM solvency",
        "registerSource": "Prudential Authority licence-conversion register (Appendix A Life, Appendix B Non-life), Insurance Act 2017; post-2020 changes annotated"
      },
      "currency": "ZAR",
      "total": 140,
      "byClass": {
        "general-non-life": 63,
        "life": 63,
        "microinsurer": 1,
        "reinsurer": 8,
        "specialty-credit-captive": 5
      },
      "byGroupType": {
        "foreign-multinational": 24,
        "domestic-private": 67,
        "pan-african-group": 35,
        "state-owned-parastatal": 6,
        "mutual-cooperative": 7,
        "regional-multilateral": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "PA licence-conversion Appendix A/B",
        "corrections": "Draft of 67 replaced by 140 licensed entities incl. all cell captives, captives, reinsurers and Lloyd's; Constantia/3Sixty status annotated"
      },
      "marketNotes": [
        {
          "event": "Assupol acquired by Sanlam (2024); 1Life acquired by Clientele (2024); Constantia group in liquidation (2022); 3Sixty Life under curatorship",
          "effect": "Annotated in Notes"
        }
      ],
      "url": "https://insurers.global/countries/south-africa/",
      "api": "https://insurers.global/api/v1/countries/south-africa.json"
    },
    {
      "slug": "south-sudan",
      "name": "South Sudan",
      "workbookName": "South Sudan",
      "iso2": "SS",
      "iso3": "SSD",
      "isoNum": "728",
      "region": "east-africa",
      "regulator": {
        "name": "Bank of South Sudan (Insurance Supervision)",
        "acronym": "BoSS",
        "website": "https://boss.gov.ss",
        "regime": "Nascent regime",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SSP",
      "total": 2,
      "byClass": {
        "composite": 1,
        "general-non-life": 1
      },
      "byGroupType": {
        "pan-african-group": 2
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/south-sudan/",
      "api": "https://insurers.global/api/v1/countries/south-sudan.json"
    },
    {
      "slug": "sudan",
      "name": "Sudan",
      "workbookName": "Sudan",
      "iso2": "SD",
      "iso3": "SDN",
      "isoNum": "729",
      "region": "north-africa",
      "regulator": {
        "name": "Insurance Supervisory Authority",
        "acronym": "ISA",
        "website": null,
        "regime": "Takaful-only market",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "SDG",
      "total": 8,
      "byClass": {
        "reinsurer": 1,
        "takaful-islamic": 7
      },
      "byGroupType": {
        "state-owned-parastatal": 2,
        "domestic-private": 6
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/sudan/",
      "api": "https://insurers.global/api/v1/countries/sudan.json"
    },
    {
      "slug": "tanzania",
      "name": "Tanzania",
      "workbookName": "Tanzania",
      "iso2": "TZ",
      "iso3": "TZA",
      "isoNum": "834",
      "region": "east-africa",
      "regulator": {
        "name": "Tanzania Insurance Regulatory Authority",
        "acronym": "TIRA",
        "website": "https://tira.go.tz",
        "regime": "Insurance Act 2009",
        "registerSource": "TIRA register as compiled by TanzaniaInvest, Jan 2025 update (36 insurers, 4 local reinsurers)"
      },
      "currency": "TZS",
      "total": 40,
      "byClass": {
        "general-non-life": 26,
        "health-medical": 2,
        "life": 6,
        "reinsurer": 4,
        "takaful-islamic": 2
      },
      "byGroupType": {
        "domestic-private": 20,
        "pan-african-group": 14,
        "state-owned-parastatal": 5,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "TIRA register via TanzaniaInvest Jan 2025",
        "corrections": "Removed Heritage? (kept - listed), Metropolitan Tanzania, Milembe kept; added Beema Star, Bumaco Life, CRDB Insurance, First United Takaful, IGT, Jubilee Health, Meticulous, Metro Life, Mgen, Newtan, Resolution, Tanzindia, ZIC Takaful, NIC Life, PanAfrique Re, EA Re; removed Mo Assurance duplicate and UAP (now Newtan)"
      },
      "marketNotes": [
        {
          "event": "4 local reinsurers licensed (Tan-Re, Grand Re, PanAfrique Re, EA Re); 32 foreign reinsurers accredited",
          "effect": "Local reinsurers on Reinsurers sheet; foreign accreditations excluded"
        }
      ],
      "url": "https://insurers.global/countries/tanzania/",
      "api": "https://insurers.global/api/v1/countries/tanzania.json"
    },
    {
      "slug": "gambia",
      "name": "The Gambia",
      "workbookName": "Gambia",
      "iso2": "GM",
      "iso3": "GMB",
      "isoNum": "270",
      "region": "west-africa",
      "regulator": {
        "name": "Central Bank of The Gambia (Insurance Department)",
        "acronym": "CBG",
        "website": "https://cbg.gm",
        "regime": "Insurance Act 2003",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "GMD",
      "total": 5,
      "byClass": {
        "composite": 1,
        "general-non-life": 2,
        "life": 1,
        "takaful-islamic": 1
      },
      "byGroupType": {
        "domestic-private": 4,
        "pan-african-group": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/gambia/",
      "api": "https://insurers.global/api/v1/countries/gambia.json"
    },
    {
      "slug": "togo",
      "name": "Togo",
      "workbookName": "Togo",
      "iso2": "TG",
      "iso3": "TGO",
      "isoNum": "768",
      "region": "west-africa",
      "regulator": {
        "name": "CIMA (regional) / Direction des Assurances",
        "acronym": "CIMA / CRCA",
        "website": "https://cima-afrique.org",
        "regime": "CIMA Code",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "XOF",
      "total": 7,
      "byClass": {
        "composite": 3,
        "general-non-life": 2,
        "life": 1,
        "reinsurer": 1
      },
      "byGroupType": {
        "pan-african-group": 3,
        "domestic-private": 3,
        "regional-multilateral": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/togo/",
      "api": "https://insurers.global/api/v1/countries/togo.json"
    },
    {
      "slug": "tunisia",
      "name": "Tunisia",
      "workbookName": "Tunisia",
      "iso2": "TN",
      "iso3": "TUN",
      "isoNum": "788",
      "region": "north-africa",
      "regulator": {
        "name": "Comite General des Assurances",
        "acronym": "CGA",
        "website": "https://cga.gov.tn",
        "regime": "Code des Assurances",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "TND",
      "total": 22,
      "byClass": {
        "composite": 11,
        "general-non-life": 2,
        "life": 5,
        "reinsurer": 1,
        "takaful-islamic": 2,
        "specialty-credit-captive": 1
      },
      "byGroupType": {
        "domestic-private": 16,
        "mutual-cooperative": 2,
        "state-owned-parastatal": 3,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified in this pass",
        "source": "Compiled from market knowledge; regulator register not retrieved",
        "corrections": "Pending - see Regulators sheet for the supervisor to check"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/tunisia/",
      "api": "https://insurers.global/api/v1/countries/tunisia.json"
    },
    {
      "slug": "uganda",
      "name": "Uganda",
      "workbookName": "Uganda",
      "iso2": "UG",
      "iso3": "UGA",
      "isoNum": "800",
      "region": "east-africa",
      "regulator": {
        "name": "Insurance Regulatory Authority of Uganda",
        "acronym": "IRA-U",
        "website": "https://ira.go.ug",
        "regime": "Insurance Act 2017",
        "registerSource": "IRA Uganda licensed companies list 2025 (perpetual licences); IRA-U 2026 headcount confirmed"
      },
      "currency": "UGX",
      "total": 35,
      "byClass": {
        "general-non-life": 19,
        "health-medical": 1,
        "life": 9,
        "microinsurer": 4,
        "reinsurer": 2
      },
      "byGroupType": {
        "pan-african-group": 21,
        "domestic-private": 13,
        "foreign-multinational": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "IRA-U 2025 licensed companies (perpetual)",
        "corrections": "Removed Rio, Nova, Metropolitan Life Uganda (not licensed); added Jubilee Health, 4 micro-insurers, Kenya Re Uganda"
      },
      "marketNotes": [
        {
          "event": "IRA-U authorised 144 players for 2026 incl. 19 non-life, 9 life, 3 micro, 1 takaful, 1 HMO, 2 reinsurers",
          "effect": "List reflects 2025 perpetual licences; 2026 takaful entrant not yet named in source"
        }
      ],
      "url": "https://insurers.global/countries/uganda/",
      "api": "https://insurers.global/api/v1/countries/uganda.json"
    },
    {
      "slug": "zambia",
      "name": "Zambia",
      "workbookName": "Zambia",
      "iso2": "ZM",
      "iso3": "ZMB",
      "isoNum": "894",
      "region": "southern-africa",
      "regulator": {
        "name": "Pensions and Insurance Authority",
        "acronym": "PIA",
        "website": "https://pia.org.zm",
        "regime": "Insurance Act 2021",
        "registerSource": "Compiled from market knowledge; regulator register not retrieved - verify"
      },
      "currency": "ZMW",
      "total": 22,
      "byClass": {
        "general-non-life": 14,
        "life": 5,
        "reinsurer": 3
      },
      "byGroupType": {
        "domestic-private": 12,
        "pan-african-group": 6,
        "state-owned-parastatal": 2,
        "foreign-multinational": 1,
        "regional-multilateral": 1
      },
      "verification": {
        "level": "unverified",
        "status": "NOT verified - regulator site blocks automated access",
        "source": "PIA 'Licensed Insurance Entities as at July 2025' exists at pia.org.zm but is robots-blocked",
        "corrections": "Knowledge-based list retained; download the PIA PDF manually to reconcile"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/zambia/",
      "api": "https://insurers.global/api/v1/countries/zambia.json"
    },
    {
      "slug": "zimbabwe",
      "name": "Zimbabwe",
      "workbookName": "Zimbabwe",
      "iso2": "ZW",
      "iso3": "ZWE",
      "isoNum": "716",
      "region": "southern-africa",
      "regulator": {
        "name": "Insurance and Pensions Commission",
        "acronym": "IPEC",
        "website": "https://ipec.co.zw",
        "regime": "Insurance Act; multi-currency",
        "registerSource": "IPEC Regulated Entities register, ipec.co.zw (2026): 12 life, 20 short-term, 4 life reassurers, 10 short-term reinsurers, 16 microinsurers, 10 funeral assurers"
      },
      "currency": "ZWG / USD",
      "total": 69,
      "byClass": {
        "funeral-assistance": 10,
        "general-non-life": 19,
        "life": 12,
        "microinsurer": 16,
        "reinsurer": 11,
        "specialty-credit-captive": 1
      },
      "byGroupType": {
        "domestic-private": 57,
        "mutual-cooperative": 1,
        "state-owned-parastatal": 2,
        "pan-african-group": 8,
        "regional-multilateral": 1
      },
      "verification": {
        "level": "verified",
        "status": "Verified - full register",
        "source": "IPEC Regulated Entities 2026",
        "corrections": "Removed Tristar (not registered) and Baobab as non-life re; added AFC, Econet Insurance, Empaya, ECGC, Quality, Safel, Nhaka Life, Evolution H&L, Muca Re, Transaxis Re, Tropical Re, FMRE, ZB Re, 16 microinsurers, 10 funeral assurers"
      },
      "marketNotes": [],
      "url": "https://insurers.global/countries/zimbabwe/",
      "api": "https://insurers.global/api/v1/countries/zimbabwe.json"
    }
  ]
}