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Licensed list · Africa · West Africa · GH

Licensed insurance companies in Ghana (2026)

VerifiedVerified against the NIC register, checked 2 Sept 2026.

The 48 insurance companies licensed in Ghana in 2026, as recorded by the National Insurance Commission (NIC), with the class of business and ownership each one is registered under.

48Licensed operators
17Life35% of entities27General (non-life)56% of entities15Cross-border groups33 domestically owned

By class of business

Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.

By ownership

  • Domestic private30 63%
  • Pan-African group14 29%
  • State-owned / parastatal3 6%
  • Foreign multinational1 2%

“Cross-border groups” counts foreign multinationals and pan-regional groups; “domestically owned” counts domestic private, state-owned, mutual and captive entities. The register records the parent’s type, not its home market. How ownership is recorded

Licensed insurers in Ghana

Showing 25 of 48 entities. The full, filterable table is on the country page; every row is in the JSON below.

InsurerClassOwnershipGroupVerification
Old Mutual Assurance GhanaLLifePan-African groupOld Mutual LtdVerified
Prudential Life Insurance GhanaLLifeForeign multinationalPrudential plcVerified
Sanlam Allianz Insurance GhanaGGeneral (Non-life)Pan-African groupSanlam AllianzVerified
Sanlam Allianz Life Insurance GhanaLLifePan-African groupSanlam AllianzVerified
Activa International Insurance CoGGeneral (Non-life)Pan-African groupActiva GroupVerified
Coronation Insurance GhanaGGeneral (Non-life)Pan-African groupCoronation GroupVerified
Enterprise Insurance CoGGeneral (Non-life)Pan-African groupEnterprise GroupVerified
Enterprise Life Assurance CoLLifePan-African groupEnterprise GroupVerified
Ghana Reinsurance Co (Ghana Re)RReinsurerState-owned / parastatalGhana ReVerified
Hollard Insurance GhanaGGeneral (Non-life)Pan-African groupHollard GroupVerified
Hollard Life Assurance Co GhanaLLifePan-African groupHollard GroupVerified
Metropolitan Life Insurance GhanaLLifePan-African groupMomentum GroupVerified
NSIA Ghana Insurance CoGGeneral (Non-life)Pan-African groupNSIA GroupVerified
SUNU Assurances GhanaGGeneral (Non-life)Pan-African groupSunu GroupVerified
WAICA Reinsurance GhanaRReinsurerPan-African groupWAICA ReVerified
Aster Life GhanaLLifeDomestic privateIndependentVerified
Bedrock Insurance CoGGeneral (Non-life)Domestic privateIndependentVerified
Best Assurance CoGGeneral (Non-life)Domestic privateIndependentVerified
Donewell Insurance CoGGeneral (Non-life)Domestic privateIndependentVerified
Donewell Life Insurance CoLLifeDomestic privateIndependentVerified
Exceed Life Assurance CoLLifeDomestic privateIndependentVerified
First Insurance CoLLifeDomestic privateIndependentVerified
Ghana Union Assurance CoGGeneral (Non-life)Domestic privateGUAVerified
Ghana Union Assurance Life CoLLifeDomestic privateGUAVerified
GLICO General Insurance CoGGeneral (Non-life)Domestic privateGLICO GroupVerified

Full table for Ghana ↗

Regulatory intelligence: Ghana

Read from the register, not written for this page: the supervisor’s regime, the source the list was checked against, and the market notes recorded alongside it.

Regime
Insurance Act 2021 (Act 1061)
Register source
NIC Ghana good-standing list (base) with post-2020 licensing and M&A annotated - verify on nic.gov.gh
Verification
Verified against the regulator register · NIC good-standing list; NIC register page is JS-only

No market event is recorded against this register for 2026. The regime and source above are the standing facts.

Governing legislation

  • Insurance Act 2021 (Act 1061) · Institutional and insurance framework

    The Act sets the Commission's powers and the framework for licensing and supervision, replacing the 2006 Insurance Act. NIC was originally established under earlier legislation.

Verification log

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)

For B2B teams and AI agents

The same rows as static JSON, no key, CORS open, CC BY 4.0. Paged files stay under 96 KB so an agent’s fetch tool never truncates them.

curl -s https://insurers.global/api/v1/countries/ghana.json
curl -s https://insurers.global/api/v1/countries/ghana/insurers/pages/1.json
  • MCP: connect https://insurers.global/mcp and call get_country_summary with { "country": "ghana" }, or list_insurers with country, limit and offset for paged rows.
  • OpenAPI 3.1: /api/v1/openapi.json · WebMCP: /.well-known/webmcp.json · Guide: /ai/ · llms.txt
  • Dataset version 2026-09-08+3f3925fad259; every response carries version, verified and licence.