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Licensed list · Asia-Pacific · South-East Asia · TL

Licensed insurance companies in Timor-Leste (2026)

VerifiedVerified against the BCTL register, checked 4 Sept 2026.

The 3 insurance companies licensed in Timor-Leste in 2026, as recorded by the Banco Central de Timor-Leste (BCTL), with the class of business and ownership each one is registered under.

3Licensed operators
1Life33% of entities2General (non-life)67% of entities2Cross-border groups1 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

  • Foreign multinational2 67%
  • Domestic private1 33%

“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 Timor-Leste

All 3 entities.

InsurerClassOwnershipGroupVerification
Sinar Mas Life Insurance, S.ALLifeForeign multinationalSinar MasVerified
Sinarmas Insurance, SAGGeneral (Non-life)Foreign multinationalSinar MasVerified
Federal Insurance Timor, S.A.GGeneral (Non-life)Domestic private—Verified

Full table for Timor-Leste ↗

Regulatory intelligence: Timor-Leste

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
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
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.
Verification
Verified against the regulator register · 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.

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

Governing legislation

  • Law No. 6/2005 · Institutional and insurance framework

    Licensing, supervision and regulation of insurance companies and insurance intermediaries.

Verification log

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).

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/timor-leste.json
curl -s https://insurers.global/api/v1/countries/timor-leste/insurers/pages/1.json
  • MCP: connect https://insurers.global/mcp and call get_country_summary with { "country": "timor-leste" }, 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+97f331e66662; every response carries version, verified and licence.