{
  "dataset": "Insurers Global — Insurance Companies Directory (Africa, Europe, Asia-Pacific, South America and North America)",
  "version": "2026-09-08+af188cb54143",
  "verified": "2026-09-08",
  "licence": "CC BY 4.0 — attribute KAFS North America (Kenbright Actuarial and Financial Services North America), https://insurers.global",
  "data": {
    "slug": "timor-leste",
    "name": "Timor-Leste",
    "workbookName": "Timor-Leste",
    "continent": "asia-pacific",
    "iso2": "TL",
    "iso3": "TLS",
    "isoNum": "626",
    "composite": null,
    "region": "south-east-asia",
    "regulator": {
      "name": "Banco Central de Timor-Leste",
      "acronym": "BCTL",
      "website": "https://bancocentral.tl",
      "regime": "Law No. 6/2005 (Regime for the Licensing, Supervision and Regulation of Insurance Companies and Insurance Intermediaries) and BCTL Instructions for licensing general and life insurers; BCTL supervision",
      "registerSource": "Banco Central de Timor-Leste, \"Financial Institution\" page, section \"Insurance Companies\" (Wayback Machine capture of 2026-05-09: http://web.archive.org/web/20260509233644/https://www.bancocentral.tl/en/go/financial-institution), retrieved 2026-09-26. The page says the sector has \"two general insurance companies, one life insurance company\" and lists Sinarmas Insurance, SA (SMI), Sinar Mas Life Insurance, S.A (SMLI) and Federal Insurance Timor, S.A. (FIT). Count: 3."
    },
    "currency": "USD",
    "currencies": [
      {
        "code": "USD",
        "name": "US dollar",
        "symbol": "$",
        "decimalDigits": 2,
        "countries": [
          "ecuador",
          "marshall-islands",
          "micronesia",
          "palau",
          "timor-leste",
          "united-states",
          "zimbabwe"
        ],
        "usdRate": 1,
        "usdRateYear": 2025,
        "rateSource": "https://api.worldbank.org/v2/country/{iso2}/indicator/PA.NUS.FCRF",
        "rateLicence": "CC BY 4.0",
        "rateSeen": "2026-09-09"
      }
    ],
    "total": 3,
    "byClass": {
      "general-non-life": 2,
      "life": 1
    },
    "byGroupType": {
      "foreign-multinational": 2,
      "domestic-private": 1
    },
    "verification": {
      "level": "verified",
      "basis": "register",
      "status": "Verified - full register",
      "source": "Banco Central de Timor-Leste, \"Financial Institution\" page, section \"Insurance Companies\" (Wayback Machine capture of 2026-05-09: http://web.archive.org/web/20260509233644/https://www.bancocentral.tl/en/go/financial-institution), retrieved 2026-09-26. The page says the sector has \"two general insurance companies, one life insurance company\" and lists Sinarmas Insurance, SA (SMI), Sinar Mas Life Insurance, S.A (SMLI) and Federal Insurance Timor, S.A. (FIT). Count: 3.",
      "corrections": "The live bancocentral.tl site was rebuilt in 2026 and old URLs now redirect to the homepage, so the list was read from the Wayback capture of 9 May 2026. National Insurance Timor-Leste, S.A. (NITL) is excluded: BCTL revoked its licence and put it into liquidation on 29 Nov 2018 (BCTL news \"National Insurance Timor-Leste placed in liquidation\"). The lead's Fidelidade branch does not appear on the BCTL list. BCTL reports sector total assets of US$35.7m (Dec 2025)."
    },
    "marketNotes": [],
    "url": "https://insurers.global/countries/timor-leste/",
    "api": "https://insurers.global/api/v1/countries/timor-leste.json",
    "insurersApi": "https://insurers.global/api/v1/countries/timor-leste/insurers.json",
    "insurersPagesApi": "https://insurers.global/api/v1/countries/timor-leste/insurers/pages/1.json",
    "insurers": [
      {
        "slug": "timor-leste-sinarmas-insurance-sa",
        "name": "Sinarmas Insurance, SA",
        "country": "timor-leste",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Sinar Mas",
        "groupSlug": "sinar-mas",
        "groupPlaceholder": false,
        "groupType": "foreign-multinational",
        "verification": "verified",
        "sourceBasis": "Banco Central de Timor-Leste, \"Financial Institution\" page, section \"Insurance Companies\" (Wayback Machine capture of 2026-05-09: http://web.archive.org/web/20260509233644/https://www.bancocentral.tl/en/go/financial-institution), retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "BCTL abbreviation SMI; Dili. General insurer (the company says it was established 2011). The name indicates the Indonesian Sinar Mas group; ownership not verified. Parent from the company name, not stated in the register.",
        "url": "https://insurers.global/insurers/timor-leste-sinarmas-insurance-sa/"
      },
      {
        "slug": "timor-leste-sinar-mas-life-insurance-s-a",
        "name": "Sinar Mas Life Insurance, S.A",
        "country": "timor-leste",
        "class": "life",
        "classCode": "L",
        "group": "Sinar Mas",
        "groupSlug": "sinar-mas",
        "groupPlaceholder": false,
        "groupType": "foreign-multinational",
        "verification": "verified",
        "sourceBasis": "Banco Central de Timor-Leste, \"Financial Institution\" page, section \"Insurance Companies\" (Wayback Machine capture of 2026-05-09: http://web.archive.org/web/20260509233644/https://www.bancocentral.tl/en/go/financial-institution), retrieved 2026-09-26; licence date from BCTL news \"License To Sinar Mas Life Insurance S.A. To Conduct Life Insurance Business Activities In Timor-Leste\"",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "BCTL abbreviation SMLI; definitive life licence granted by the BCTL Governing Board on 27 Jan 2022. Same address as Sinarmas Insurance. The name indicates the Sinar Mas group; ownership not verified. Parent from the company name, not stated in the register.",
        "url": "https://insurers.global/insurers/timor-leste-sinar-mas-life-insurance-s-a/"
      },
      {
        "slug": "timor-leste-federal-insurance-timor-s-a",
        "name": "Federal Insurance Timor, S.A.",
        "country": "timor-leste",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Parent not named in register",
        "groupSlug": null,
        "groupPlaceholder": true,
        "groupType": "domestic-private",
        "verification": "verified",
        "sourceBasis": "Banco Central de Timor-Leste, \"Financial Institution\" page, section \"Insurance Companies\" (Wayback Machine capture of 2026-05-09: http://web.archive.org/web/20260509233644/https://www.bancocentral.tl/en/go/financial-institution), retrieved 2026-09-26",
        "classBasis": "Inferred from name",
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Class inferred from name. BCTL abbreviation FIT; licence under Resolution No. 38/2016 of 23 August 2016; Rua de Mozambique, Colmera, Dili. General class inferred from BCTL's \"two general, one life\" count. Ownership not researched, so DO is provisional.",
        "url": "https://insurers.global/insurers/timor-leste-federal-insurance-timor-s-a/"
      }
    ]
  }
}