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About Us

Our Story Our Board of Directors Leadership Awards and Recognitions CSR Projects

Products

Individual

miWay – Easy Mobile Insurance

miKids – Secure Your Kids’ Education

miFuture – Easy Mobile Insurance

miLegacy – for Income Protection

miCash – Saving for the Future

miTribute – for Funeral Expenses

Group

Heritage Cash Back Plan – for Total Cashback (Formerly GNAT)

miGroup Funeral – For organizations (Corporate institutions, churches, groups and associations)

Company

Group Life – for All Your Employees

Credit Life – for Loan Protection

Mortgage Life – for Mortgage Protection

Keyman Life – for Key Employees

Customers

Customer Portal FAQs Claims Feedback Complaints Not A Customer?

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Home

About Us

Our Story Our Board of Directors Leadership Awards and Recognitions CSR Projects

Products

Individual

miWay – Easy Mobile Insurance

miKids – Secure Your Kids’ Education

miFuture – Easy Mobile Insurance

miLegacy – for Income Protection

miCash – Saving for the Future

miTribute – for Funeral Expenses

Group

Heritage Cash Back Plan – for Total Cashback (Formerly GNAT)

miGroup Funeral – For organizations (Corporate institutions, churches, groups and associations)

Company

Group Life – for All Your Employees

Credit Life – for Loan Protection

Mortgage Life – for Mortgage Protection

Keyman Life – for Key Employees

Customers

Customer Portal FAQs Claims Feedback Complaints Not A Customer?

Make a Claim

Years Of Excellence

A step closer to your dream life with our insurance solutions

The life of your dreams is closer than you think, and miLife Insurance is the best partner to help you live it. Our simple and affordable insurance products relieve you of the hassle of worrying about tomorrow so you can focus on building your dream life today.

With a reputable board and visionary leadership, the team at miLife Insurance is more than trustworthy in guiding you towards your dream life.

Our wide array of tailor-made insurance products ranges from individual policies for income protection to mortgage protection for companies. Browse our catalogue of products and find the perfect policy for your needs!

Learn More

Policies tailored for you

Find the perfect Individual Life Insurance Policy that allows you to live your best life while we safeguard your future.

miWay

Mobile insurance made easy

miFuture

Accessible mobile insurance

miTribute

For all your funeral expenses

miLegacy

Protect your income

miKids

Safeguard your kids’ education

miCash

Save for the future

Get Started

Carefully curated insurance solutions for your business

Discover distinctive insurance policies that offer tailored coverage for you and your business.

Group Life

For all your employees

Credit Life

Protect your loans

Mortgage Life

Protect your mortgage

Keyman Life

For key employees

Explore Our Solutions

Grow together, dream bigger

Our group policies protect everyone’s aspirations. Enhance your membership benefits with our group policies that allow you to work towards your dream lives with maximum peace of mind.

GNAT Heritage Cash Back Plan

For total cashback

Protect your earnings with our 10-year income protection plan designed for members of groups & institutions.

miGroup Funeral

For Institutions and Organisations

Enjoy lasting support as a member with our reliable funeral policy for members of organizations & institutions and their dependents.

Why choose us

19+ years of excellent service delivery

Accessible mobile insurance

Over 500 retail agents nationwide

Latest Updates & News

November 7, 2024

Comments Off on miLife Insurance launches new website.

miLife Insurance launches new website.

miLife Insurance is thrilled to announce the launch of our newly redesigned website! This upgraded…

miLife

November 5, 2024

Comments Off on How to Ensure Your Family’s Financial Security with Individual Life Insurance

How to Ensure Your Family’s Financial Security with Individual Life Insurance

Individual life insurance is one of the most effective ways to safeguard your family’s financial…

miLife

October 7, 2024

Comments Off on miLife Celebrates Customer Service Week with Community Outreach and Appreciation Initiatives

miLife Celebrates Customer Service Week with Community Outreach and Appreciation Initiatives

As part of this year’s Customer Service Week celebrations, miLife Insurance took the opportunity to…

miLife

Video Updates

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Aggrey Street, Kisseman – Accra Along the Achimota School – GIMPA road. (Near Pure Fire Church) P.O. Box AT 1975, Achimota Market 024 243 9999 [email protected]

Quick Links

About Us

Our Branches

Individual Policies

Group Policies

Company Policies

Customers

Make a Claim

Update Your Policy

New Customer Signup

FAQs

Connect with us on Instagram

+233 242 43 9999

[email protected]

Buy a policy

At miLife, our journey revolves around providing simple, affordable, and easily accessible life insurance products to the people of Ghana.

Latest Portfolio

miLife Insurance launches new website.

How to Ensure Your Family’s Financial Security with Individual Life Insurance

miLife Celebrates Customer Service Week with Community Outreach and Appreciation Initiatives

Need Any Help?

+233 242 43 9999

[email protected]

ABOUT US

Our Story

Since 2016, our company has experienced extraordinary growth, surpassing GH₵200 million in premium income by 2022. We have risen from the 17th position in 2005 to a prominent 5th position in 2024 in the life insurance industry ranking.

Our dedication to excellence and growth has been recognised by the prestigious Ghana Club 100 Awards, crowning miLife as the leader in the insurance industry for 2022. Among 100 esteemed companies, we proudly claimed the highest rank for an insurance company, securing the enviable position of #37. This achievement showcases our unwavering commitment to delivering unparalleled value to our customers.

Our Journey

miLife Insurance’s journey has been characterized by assisting Ghanaians to build the life of their dreams without worrying about the future by forging partnerships with trade unions and leading telecom providers to offer affordable, easily accessible and tailor-made life insurance solutions that cater to the needs of Ghanaians at every income level.

We have built a network of over 500 retail agents through the power of mobile technology and connected with many customers – more than 500,000 persons, with women making up 52% and 70% of our customer base falling into the low-income bracket.

Our Vision

Our vision is to be the leader in helping Ghanaians build their dreams, one customer at a time.

Our Mission

Make insurance simple, affordable and more accessible, providing our customers and their families with a smoother path to their dreams.

Our Brand Promise – A smoother path to your dreams

miLife Insurance affords you and your family the ease of building the life of your dreams without worrying about emergencies that may disrupt your future plans. We offer a cushion that puts your mind at ease and lets you focus on becoming who you want to be.

We aim to make insurance products simple and easy to understand, making them more accessible to Ghanaians at every income level. Using technology, we are dedicated to bringing affordable insurance packages to every Ghanaian household while helping them get closer to attaining their dreams.

Need to make a claim ?

Chat with us

Aggrey Street, Kisseman – AccraAlong the Achimota School – GIMPA road. (Near Pure Fire Church)P.O. Box AT 1975, Achimota Market024 243 [email protected]

Quick Links

About Us

Our Branches

Individual Policies

Group Policies

Company Policies

Customers

Make a Claim

Update Your Policy

New Customer Signup

FAQs

Connect with us on Instagram

+233 242 43 9999

[email protected]

Buy a policy

At miLife, our journey revolves around providing simple, affordable, and easily accessible life insurance products to the people of Ghana.

Latest Portfolio

miLife Insurance launches new website.

How to Ensure Your Family’s Financial Security with Individual Life Insurance

miLife Celebrates Customer Service Week with Community Outreach and Appreciation Initiatives

Need Any Help?

+233 242 43 9999

[email protected]

Our Board

Our Board of Directors

Home Our Board of Directors

Steve Kyerematen

Board Chairman

Steve Kyerematen is an insurance and reinsurance professional who has garnered over 39 years of experience around the African continent. He currently serves as a member of the board of the ACTIVA FOUNDATION.

For the past 6 years, Stephen’s wealth of knowledge has helped propel the growth of the Activa Insurance Group in Mauritius, Ghana, Liberia, Sierra Leone, and Guinea. Stephen has previously served as Ghana’s High Commissioner to Malaysia, a member of the Board of Directors of the Ghana Insurers Association, and the Chairman of the Ghana National Bureau of the ECOWAS Brown Card Insurance Scheme.

Edward Adu-Ntiamoah

Edward Adu-Ntiamoah is the Chief Executive Officer for UT Holdings Ltd. and a board member of both UT Holdings and UT Properties. He has devoted over 2 decades of illustrious service to the UT Group.

Mr. Adu-Ntiamoah’s expertise in corporate strategy, merger and acquisition and organizational culture design has been instrumental to the expansion of the UT group including the formation of other valued subsidiaries. Edward holds an Executive MBA (Finance) from the University of Ghana, and a BA (Hons), Accounting & Economics.

Michael Joyce

Michael is a specialist investor in financial services business in emerging markets and is currently a Director at LeapFrog Investments, a US $1B profit with purpose private equity fund.

Michael graduated with honours from the University of Melbourne with a dual degree in Commerce and Information Systems.

Raimund Snyders

Raimund Snyders is a partner and integral part of the African financial services team at LeapFrog Investments. With an unrivalled 30-year resume in insurance across the African continent, Raimund’s vast knowledge of all aspects of life, property and casualty insurance compliment his deep corporate and leadership acumen.

Raimund uses his expertise and in-depth knowledge of scaling financial services businesses in emerging markets to drive value creation in areas such as governance, client centricity and sales / distribution across Leapfrog’s African investments. He sits on LeapFrog’s management board and is also a director of LeapFrog company, Sri Lankan life insurer SoftLogic Life. Raimund joined LeapFrog from the Old Mutual Group where his last role was as CEO of Mutual & Federal. During his tenure he led a turnaround of the company, which rebranded under his leadership to become Old Mutual Insure. His experience at the Old Mutual Group includes distribution, bancassurance, investments and wealth management, and in a near 30-year career with the company he served as COO and head of distribution for Old Mutual’s African operations, EGM of Old Mutual’s South African insurance business, CEO of Old Mutual’s Namibian life insurance business and MD of Old Mutual Investment Services. He holds a Bachelor of Commerce and a Bachelor of Laws from Stellenbosch University, an advanced certificate in leadership with honours from the Graduate School of Business at the University of Cape Town, and is a graduate of the general management program in leadership at Harvard Business School. Raimund is a director of not-for-profit impact think tank, Cenfri, a previous chairman of the Credit Guarantee Insurance Group of Africa and a former director of the South African Insurance Association.

Linda Osei Akoto

Linda Osei-Akoto is a member of Insurance Institute for Applied Ethics, member of American Institute for Chartered Property Casualty Underwriters and member of Insurance Institute of America, Inc.

She was the Chief Executive Officer and Managing Director at NSIA Ghana Insurance CO. Ltd. from 2010 to 2016. Linda holds an undergraduate degree from The Université Félix Houphouët-Boigny, Cote D’Ivoire and received her Professional Insurance training in the USA.

Kwaku Yeboah-Asuamah

Chief Executive Officer

Kwaku has over 27 years’ experience in insurance, accounting, taxation, and strategy formulation & implementation.

Before joining miLife, he worked at KPMG as a Professional Accountant and a Tax Consultant. He later joined SDC as the Group Financial Controller. Kwaku also worked as the Financial Controller and General Manager (Finance) at Enterprise Life. As an Executive Director at Enterprise Life, he set up and managed Enterprise Trustees as a subsidiary of Enterprise Group.

Kwaku is a Fellow of the Chartered Insurance Institute of Ghana, an Associate of the Chartered Insurance Institute (UK), and a member of the Institute of Chartered Accountants-Ghana. He is a Certified Tax Professional and holds membership with the Chartered Institute of Taxation-Ghana. He also holds an MBA from the University of Wales and a BSc. in Administration from the University of Ghana.

Walters Yeboah Adofo

Chief Financial Officer

Walters is a seasoned professional with experience in Financial Reporting and Auditing, Financial Planning and Budgeting, Corporate Governance, Risk Management and Compliance. He brings to miLife over 19 years of experience in the insurance industry.

Prior to joining our team, he was the Chief Finance Officer of Metropolitan Group, Ghana and served on the board of Metropolitan Pensions Trust. He has also worked with KPMG Ghana as Audit Associate and Enterprise Life Insurance as Head of Finance.

Walters is a Fellow of the Association of Chartered Certified Accountants-UK and a member of the Institute of Chartered Accountants-Ghana. He holds an MBA from the University of Leicester, UK and a Bachelor of Commerce degree from the University of Cape Coast. He is also a product of Emile Woolf International, UK.

Need to make a claim ?

Chat with us

Aggrey Street, Kisseman – AccraAlong the Achimota School – GIMPA road. (Near Pure Fire Church)P.O. Box AT 1975, Achimota Market024 243 [email protected]

Quick Links

About Us

Our Branches

Individual Policies

Group Policies

Company Policies

Customers

Make a Claim

Update Your Policy

New Customer Signup

FAQs

Connect with us on Instagram

+233 242 43 9999

[email protected]

Buy a policy

At miLife, our journey revolves around providing simple, affordable, and easily accessible life insurance products to the people of Ghana.

Latest Portfolio

miLife Insurance launches new website.

How to Ensure Your Family’s Financial Security with Individual Life Insurance

miLife Celebrates Customer Service Week with Community Outreach and Appreciation Initiatives

Need Any Help?

+233 242 43 9999

[email protected]

Leadership
HomeLeadership
Executive Team

Kwaku Yeboah-Asuamah
Chief Executive Officer

Kwaku has over 27 years’ experience in insurance, accounting, taxation, and strategy formulation & implementation.

Walters Yeboah Adofo
Chief Financial Officer

Kofi Safo Ntim
Actuary

Kofi is miLife’s Actuary, with over 18 years’ insurance and Actuarial Consulting experience in Product Development, Risk Management, Budgeting and Financial Planning.

Kofi started his career at Towers Perrin Consulting Firm (USA) as an Actuarial Analyst and later qualified as an Actuary. He also has prior experience as an Actuarial Consultant with Mercer, USA and served as Actuarial Manager with the National Health Insurance Authority. Kofi was a Managing Partner with Stallion Consultants, where he led a team of actuaries to provide actuarial service to clients in the Life and Health insurance industries.

Kofi is a Fellow of the Society of Actuaries, USA. He holds an M.S. in Statistical Computing – Actuarial Science from the University of Central Florida and a B.S in Physics from Gustavus Adolphus College, Minnesota.

Victor Aggrey-Fynn
General Manager, Operations

Victor has been instrumental in advancing our life insurance operations and is one of the key drivers behind the growth of our microinsurance portfolio. His leadership has shaped product strategies and driven business expansion, building a robust microinsurance sales framework to enhance distribution while executing impactful, cost-effective marketing campaigns specifically tailored to the informal sector. Through his guidance, miLife pioneered mobile-delivered insurance products in partnership with MTN Mobile Money Limited and Vodafone Cash (now Telecel), reinforcing miLife’s position as an innovator in microinsurance. His commitment to excellence helped miWay earn the CIIG Insurance Product of the Year Award in 2019.

With over 20 years of experience, Victor’s expertise covers life insurance operations, sales and marketing, customer experience, and microinsurance product development and distribution. In his current role, he leads customer experience initiatives, ensuring a strong customer advocacy approach across all product lines. His exceptional contributions to the industry were recognized when he was named Insurance Professional of the Year at the 2021 Chartered Insurance Institute of Ghana (CIIG) Awards.

Before joining miLife, Victor was a Technical Advisor with Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ-Ghana) on the Promoting Insurance in Ghana (PromIGH) Project under the Programme for Sustainable Economic Development (PSED). His career also includes roles at Donewell Life Company Limited, CDH Insurance in Ghana, and Barclaycard in the UK.

Victor is an Associate of the Chartered Insurance Institute (CII), UK, and holds an MSc in Physics from the Norwegian University of Science and Technology (NTNU), a Postgraduate Diploma in Actuarial Science from the University of Kent, UK, and an Advanced Diploma in Insurance from both the CII, UK, and the Ghana Insurance College. In 2019, he further enhanced his leadership skills through the LeapFrog Talent Accelerator C-Suite Leadership Training Program.

Benjamin Nketsiah
General Manager, Business Development

Benjamin has garnered over 21 years of experience in life insurance sales and distribution.

Prior to joining miLife, he was a Branch Manager at Enterprise Life Assurance Company Limited.

Benjamin holds an Executive MBA from the Kwame Nkrumah University of Science and Technology.

Michael Odonkor
Assistant General Manager of IT

Michael Odonkor, Assistant General Manager of IT at miLife Insurance, brings over two decades of expertise in IT infrastructure, systems management, and strategic leadership. At miLife, he leads the design and deployment of IT infrastructures and innovative applications that enhance customer experiences and streamline operations. His focus on digital transformation aligns IT strategies with business goals, improving efficiencies across the organization. Michael is passionate about advancing micro-insurance technologies to provide affordable insurance to underserved segments in Ghana.

Before joining miLife in 2014, Michael held key roles at IDN, UT Bank in Ghana, and UTFSL in Nigeria and South Africa, leading teams to design and deploy IT infrastructures and implement VPN technologies across multiple countries. Through his consultancy work for Ostec IT, Michael delivered IT solutions to various companies including Unilever, AED, Ghana Telecom and Technoserve.

Michael holds a BSc in Electrical and Electronic Engineering, is ITIL V4 certified, and has advanced expertise in Linux systems administration, Windows platforms, and internetworking technologies. His experience spans IT governance, risk management, and aligning technology with business strategies to deliver secure, scalable, and efficient IT solutions.

Functional Heads

Safoa Awuku-Asabre
Head, Human Resource & Administration

Safoa holds more than 17 years of experience as an HR Professional.

Before joining miLife, she worked with Save the Children Fund, UK as Administrative Officer. Safoa also served as Administrative Manager at UT Financial Services, Head of HR & Admin at Unique Trust, and Performance Management & Remuneration Manager at UT Bank.

Safoa earned an Executive MBA (Human Resources) from the University of Ghana. She also has a Bachelor of Arts degree (Secretaryship) from the University of Cape Coast and a Postgraduate Certificate in Business Administration from the Ghana Institute of Management and Public Administration, Accra. Safoa is a member of the Institute of Human Resource Management Practitioners, Ghana.

Rev. Evans Yaw Duku
Head, Alternative Distribution & Broker Relations

Evans leads the Group and Corporate Sales Team at miLife. He has 24 years of experience in Sales Training and Life Insurance Distribution.

Previously, he was the Head of Training and Development and later Head of Retail Sales at miLife Insurance. Before joining miLife, he worked as a Sales Representative, and later as a Branch Manager at Metropolitan Insurance Company.

Evans is a Member of the Chartered Insurance Institute of Ghana (CIIG) and holds Applied Insurance Studies (AIS) Diploma from the Malta International Training Centre and the Ghana Insurance College. He also has qualifications in Marketing, Selling & Sales Management, and Public Relations from the London Chamber of Commerce and Industry (LCCI).

He has a Bachelor of Arts degree in Sociology and the Study of Religions from the University of Ghana, a Master and Doctorate degrees in Theology from the Immanuel Bible Institute and Seminary in Brooklyn, New York, USA.

Martin Amudzi
Head, Finance & Investment

Martin has over 19 years of experience in Accounting, Financial Management, and Taxation.

Martin was previously a Senior Finance Officer in charge of Treasury at CDH Insurance (now NSIA Ghana).

Martin is a member of the Institute of Chartered Accountants-Ghana. He has an MBA in Finance from the Graduate School of Business, Central University College.

Jojoe Arhin Agyeman-Weittey
Head: Agency, Learning and Development

Jojoe leads agency administration, brand management and company-wide learning and development. He has over 20 years of experience in insurance technical operations, banking, sales & marketing, project management, and academia.

Prior to joining miLife, he worked with Metropolitan Life, Express Life, Prudential Life, ESICH Life, uniBank Ghana, Akosombo Textiles Limited, CTD Textiles, Non-Formal Education Division and the University of Professional Studies, Accra.

Jojoe is a Chartered Insurer, an Associate of the Chartered Insurance Institute, UK (ACII) and the Chartered Insurance Institute of Ghana (ACIIG). He holds a Diploma and Advanced Diploma in Applied Insurance Studies (AAIS) from the Malta International Training Centre and Ghana Insurance College.

He is a Certified Project Manager and a Fellow of the American Academy of Project Management, USA (FAAPM).

He also holds a Master of Business Administration (MBA) in Finance and a Master of Laws (LL.M) in Alternative Dispute Resolution from the University of Ghana School of Law. He graduated with a Bachelor of Laws (LL.B) from the GIMPA Law School and a Bachelor of Arts (BA) from the University of Ghana.

Rudolph Leslie Svanikier
Head, Microinsurance

He has over 20 years of experience in the insurance industry. He has worked in various departments including Sales and Marketing, Claims, Premium Administration and Quality Control.

Prior to his appointment, he worked as a Corporate Relationship Manager in Alternative Distribution (Corporate Business) at miLife.

Rudolph is a Chartered Insurer, an Associate of the Chartered Insurance Institute of Ghana (ACIIG), holds a Diploma in Insurance from the Chartered Insurance Institute, UK (DipCII) and an Advanced Certificate in Marketing (CIM UK).

Kwame Manu-Antwi
IT Operations Manager

Kwame is a seasoned IT Manager with over 20 years of experience across Telecoms, Agribusiness and FMCG. Having started his professional career at Ghana Telecoms (now Telecel), he spent over fourteen years with Unilever in Ghana, Nigeria and French West Africa before exiting as IT Manager, Unilever West Africa. He is also the Founder of TalentIT Africa, an IT services and consulting firm.

During his extensive career, Kwame has been a catalyst to many digital transformation projects in Ghana, Nigeria, Cote D’Ivoire, Niger, Congo DR and Kenya. He has driven the implementation of ERP, HR/Payroll and workplace management systems.

Kwame is passionate about IT Business Partnering, facilitation, Project Management and Artificial Intelligence. He has been a conference speaker at ISACA’s IT Audit and Controls Africa Conference several times and has facilitated Digital Forensics Investigation training for International Institute of Certified Forensic Investigation Professionals.

Kwame is a Certified PRINCE II Project Practitioner and certified in the Governance of Enterprise IT (CGEIT) by the Information Systems Audit and Control Association (ISACA).

He holds a Bachelor of Science degree in Computer Science and Statistics from the University of Ghana and a Master of Science degree in Management Information Systems from Coventry University.

Christiana Atwemaa Kyei
Head, Underwriting

Christiana, is a results-driven insurance professional with over 15 years of experience in underwriting, premium administration and business development.

Christiana joined miLife as a Business Development Officer and later as a Premium Administration Officer and worked in that capacity for 8 years. She was appointed Head of Premium Administration in 2017 and worked in that capacity for 5 years until her current appointment as Head of Underwriting.

Prior to joining miLife, Christiana started her insurance career with SIC Insurance Company Ltd. (Sales & Marketing Dept.). She has also worked with Manifold Tutorial College as an Administrative Assistant.

Christiana is a Member of the Chartered Insurance Institute, UK and Ghana. She holds Applied Insurance Studies Diploma and Advanced Diploma (AAIS) from the Malta International Training Centre and the Ghana Insurance College. She also holds a Master of Business Administration (MBA) from the Kwame Nkrumah University of Science and Technology, a BSc. (Management Studies) from Central University, and an HND (Secretaryship and Management Studies) from Accra Technical University.

Anita N. A. Ablorh
Head, Claims

With over 15 years of diverse experience in the insurance industry, Anita N. A. Ablorh specializes in Technical Claims, Claims Operations Optimization, Project Management, and Customer Experience Management.

She began her career at KEK Insurance Brokers, gaining valuable insights into the industry. Her career journey in miLife Insurance started in marketing in Corporate Business Development. Prior to her current role, she rose through various leadership positions overseeing Policy Administration, Customer Service, and Call Center Operations, where she was pivotal in setting up these units. Today, she serves as Head of Claims at miLife, with a focus on optimizing claims efficiency, advancing underwriting best practices, risk management and ensuring exceptional service delivery.

Anita N. A. Ablorh is a Chartered Insurer, an Associate Member of the Chartered Insurance Institute – UK (ACII), as well as an Associate Member of the Chartered Insurance Institute of Ghana (ACIIG). In addition, she has an Executive Master of Business Administration (EMBA) in Project Management and a Bachelor of Arts (BA) degree, both from the University of Ghana.

She was a finalist for the prestigious CIIG Claims Professional of the Year 2023 Award and is a co-creator of the Ghana Life Claim Fraud Database created to enhance the industry’s ability to detect and prevent fraudulent claims, revealing her skills in strategic thinking, and innovation.

Sharon Armaah
Head, Premium Administration

Sharon is a proficient and results-oriented insurance professional with over a decade of experience in premium administration, underwriting, and risk management. As Head of Premium Administration, she efficiently manages data, spearheading process improvements, and driving overall business success in life insurance administration.

Previously, she held the position of Head of Underwriting for over four (4) years, demonstrating a deep understanding of risk evaluation, pricing, and reinsurance processes. Additionally, she played a critical role in maintaining compliance with industry regulations and organizational policies.

She started her career with KEK Insurance Brokers as a Sales Agent during long vacations while pursuing her first degree. This early role provided her with foundational exposure to the life insurance business. She joined miLife Insurance as a National Service Person and later as an Insurance Officer and acquired seven (7) years of experience in Underwriting, Bancassurance, Microinsurance policy administration, Claims, Customer service and Project implementation to enhance operational efficiency.

She is a Chartered Insurer, an Associate of the Chartered Insurance Institute, UK (ACII), and a Member of the Chartered Insurance Institute of Ghana (CIIG). She holds a Diploma in Applied Insurance Studies (AIS) from the Malta International Training Centre and Ghana Insurance College.

Sharon holds a Bachelor of Science degree in Mathematics and Statistics (University of Cape Coast, UCC) and is currently pursuing EMBA Finance at the University of Ghana Business School (UGBS).

Muniratu Abdul-Rahman
Head, Customer Service

Muniratu heads miLife’s customer experience team. She has over twelve (12) years of experience in the insurance industry with core competences in claim processing, underwriting, bancassurance, microinsurance, customer experience and customer relationship management. Prior to joining miLife, she worked with SSNIT as a National Service Person.

She is a Chartered Insurance Professional, an Associate Member of the Chartered Insurance Institute of Ghana (ACIIG) and a Senior Associate Member of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF). She is a Certified Young Insurance Professional in Insurance and Reinsurance (YIPP) from the London School of Insurance (LSI) and a member of the Chartered Insurance Institute in the United Kingdom (Cert CII). She also holds a Diploma in Applied Insurance Studies from the Malta International Training Centre.

She has certification in Customer Service awarded by the Institute of Customer Service Professionals (ICSP) Ghana.

She holds a Bachelor of Science degree in Actuarial Science from the Kwame Nkrumah University of Science and Technology.

Muniratu, was adjudged miLife’s “Employee of the Year” in 2021.

Edem Nyadewu
Head, Risk and Compliance

Edem Nyadewu is an insurance professional with over eleven (11) years of experience in life insurance operations. He leverages his expertise across quality control, customer experience, claims processing, customer service, and insurance sales and marketing to drive operational efficiency.

Edem holds a Diploma in Applied Insurance Studies (AIS) from the Malta International Training Centre and the Ghana Insurance College and is currently pursuing an Advanced Diploma in Insurance.

His academic credentials include MSc. in Economics from Kwame Nkrumah University of Science and Technology (KNUST) and a BSc. from the University of Cape Coast (UCC).

Additionally, he holds a Certificate in Securities and Investment Trading from the Ghana Stock Exchange.

Need to make a claim ?
Chat with us
miLife
Aggrey Street, Kisseman – Accra
Along the Achimota School – GIMPA road. (Near Pure Fire Church)
P.O. Box AT 1975,
Achimota Market
024 243 9999
[email protected]

Awards and Recognitions
HomeAwards and Recognitions

Ghana Club 100 awards
Under the leadership of our CEO, Mr Kwaku Yeboah-Asuamah, miLife Insurance Ghana Limited was ranked 37th at the 19th edition of the Ghana Club 100 Awards in 2022. This is the highest rank obtained by an insurance company in the league’s history so far.

This recognition is a testament to miLife’s commitment to being a leading player in the insurance industry, making insurance products affordable and accessible to as many Ghanaians as possible.

Donation at Gambaga Rehabilitation Camp

Worm Free Child Project

Support to Kuntunse DA JHS 3

Polio Vaccination at Okaikwei Municipal Assembly 4

Donation at Ghana Prisons Service

miWay – Easy Mobile Insurance
miWay
miWay is a simple life insurance policy. It provides money either in the event of you passing away, your Selected Biological Family Member passing away, or you becoming totally permanently disabled suffering from a named critical illness or you becoming hospitalized for more than two nights. There is also an optional savings account.
Dial *165# now!

Who is this Policy for?
– Anyone who is concerned about the increasing cost involved in laying loved ones to rest.
– Anyone who would want to organize a befitting funeral for their loved ones.
– Anyone looking for an insurance policy that is easy to sign up with premium contributions and claims request accessible by mobile phone.
– Anyone who wants a savings product, that is convenient and manageable on their phone.
– Anyone whose family will look up to him/her to bear most of the funeral expenses of a deceased family member.

Eligibility
The policy is purchased through MTN Mobile Money and you will need to register a Mobile Money account. The issue age for this policy is 18 to 59 for the subscriber and 18 to 74 for the Selected Family Member.
Both insured and selected family member must be in good health condition and resident in Ghana before registering.
Terms and conditions apply.
Resident in Ghana at the time of purchase

Cover and Benefits
At the time of purchase of this policy you select the loved ones to cover and your desired level of cover, which determines your monthly premium.
The miWay policy allows you to cover yourself and one Selected Family Member, who may be your spouse, biological parent, sibling or child.
You are covered against death, total permanent disability, critical illness and hospitalisation while your selected dependent is covered against death.
The waiting period for the subscriber is six (6) months (180 days) and that of the Selected Family Member is six (6) months (180 days) and is effective when first premium is deducted.
Your charge (monthly) Your benefit
GH¢ 6.50 GH¢ 1,720
GH¢ 10.50 GH¢ 3,980
GH¢ 12.50 GH¢ 5,160
GH¢ 18.50 GH¢ 7,400
GH¢ 22.50 GH¢ 9,780
GH¢ 36.50 GH¢ 17,840

Premium Payment
Premium payment starts at the purchase of the policy and lasts for the duration of cover. Premiums are paid through the MTN MoMo platform.
Premium payment for insurance will be deducted from your MTN Mobile Money wallet once per month.

Other Features
To protect your benefits against inflation, the policy includes a 10% automatic premium adjustment and a 7.5% benefit adjustment, to be applied annually.
A cashback benefit of 5% of annual premiums will be paid back to you at each policy anniversary, provided no claim is made.
Subscribers can manage their own policy by dialing *165# on any phone with an MTN sim.
The subscriber will be credited with 5% of total premiums paid within a year if they do not make a claim during the period.
Subscribers will receive an SMS to inform them if monthly premium deduction was successful or unsuccessful.

Optional Benefits
You may choose to make additional premium contributions towards a purely investment account.
The policy includes an optional savings account which allows the subscriber to make additional contributions towards savings. Savings contributions are set at GH¢ 5 with the amount set at GH¢ 100

Advantage of this Plan
The miWay plan is simple, accessible and affordable.

miKids
miKids is a term policy that guarantees a steady stream of income for your kids in the unfortunate event of your death, total permanent disability or diagnoses of a covered critical illness. Each year, the policy will pay out your pre-selected amount to help cover the educational expenses of your child until the policy term ends.

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Who is this Policy for?
Anyone who is interested in the academic progress of their children.
Anyone who is responsible for their children’s school fees.
Anyone who wants their children to achieve their dreams, even in their absence.

Eligibility
You will have to be between the ages of 18 years and 56 years to purchase this policy.
Resident in Ghana at the time of purchase

Cover and Benefits
A standard miKids plan provides cover against death and total permanent disability, while a comprehensive miKids plan provides cover against death, total permanent disability and named critical illness.
If you happen to pass on, become totally permanently disabled or suffer from a named critical illness, miLife will pay your pre-selected sum assured at the beginning of each school term or semester (maximum of 3x a year) until the expiration of the policy, to help fund the education of your kids.

How the Policy Works
The policy is designed to last for any period from 3 years to 18 years.
At the time of purchase of this policy, you select how long you want to be covered for and your desired level of cover, which determines your monthly premium.

Premium Payment
Premium payment starts at the purchase of the policy and ceases at the end of the selected term.

Optional Benefits
You may choose to make additional premium contributions towards a purely investment account.

Advantage of this plan
miKids gives you the power to secure your kids’ education

miFuture Easy Mobile Insurance
miFuture is an investment-linked microinsurance (MI) plan which allows customers to select insurance Benefits and monthly contribution at inception. It further allows customers to contribute into a savings fund for interest. Eligibility age shall be between 18 and 59 years.
miFuture is a simple mobile delivered life insurance policy. It pays out a benefit when the policyholder passes away, or becomes disabled. The policy allows you to save monthly for your future needs.

Who can subscribe to miFuture?
Anyone between the ages of 18–59 years with a Telecel Cash wallet in good health and is resident primarily in Ghana.

What do I need to subscribe?
Telecel cash registered Customer
Full name of a Selected Beneficiary
Phone number of the Beneficiary (if 18 years or above)
Full name/phone number of Trustee (if beneficiary is less than 18 years)

By dialing *462# on Telecel and following the sign-up instructions
Through a dedicated tele sales agent/Sales Agent
By calling miFuture helpline on 462 (Telecel only)
Through Telecel *110# menu
Risk Premium Category Risk Premium (Monthly) Benefit
Cool GHS 3.30 GHS 2,900
Standard GHS 6.60 GHS 7,400
Champion GHS 12.20 GHS 13,800

How do I pay the monthly premium?
Premiums will be deducted automatically from your Telecel Cash wallet.

How does the savings work?
The policy is designed for every customer to select a monthly savings amount subject to a minimum of GHS5 every month. The savings amount is a top-up on your monthly risk premium. Savings accrue interest based on prevailing market interest rate.

When can withdrawals be made on the Savings account?
The policy also offers the policyholder an opportunity to make withdrawals any time after policy starts.How do I make a claim?
Request a claim via *462# USSD menu or Call 462 to request.

What documents are needed for claims?
The customer or beneficiary will be asked to go to any Telecel Branch Office or designated merchant to submit: 1. A valid national ID (Voter Card, Driver’s License, Passport, Ghana Card, SSNIT ID) of person making claim
2. A valid national ID of deceased
3. And any of the following:
– Death Certificate
– Medical certificate indicating cause of death (if deceased died at a hospital)
– Police report in case of accidental death
– Mortuary receipt with contact details (if deceased was taken to a mortuary)
– A letter from a recognized authority or institution
4. Proof of disability shall be a certification from a qualified medical practitioner, recommended and recognized by us, stating that you are totally unfit to perform substantially all of the duties of any gainful occupation for which you are reasonably trained.

What is total permanent disability?
A condition that prevents you from working in any occupation for 3 months and you become incapacitated to such an extent that you are unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience.

Partial permanent disability
A condition that makes you partially but permanently incapacitated. For example, loss of toe, thumb or finger. Refer to table 1 below for schedule.
Table 1 Disability benefit schedule
Category Sub category % of Disability Benefit
Total Permanent Disability Total permanent disability that prevents a person from engaging in any employment or occupation of any description. 100%
Loss of sight of one eye and such loss of one entire hand or one entire foot 100%
Loss of use of an entire hand or foot without physical separation 50%
Loss of use of an entire hand or loss of sight of one eye 50%
Complete loss of speech or complete loss of hearing in both ears. 50%
Partial Permanent Disability Loss of toe or big toe or thumb or finger 20%

Exclusion
This policy shall cover of all forms of death and disability out of any accident unless risks are considered illegal for cover.

Maturity
This policy has no term duration or maturity period upon registration.

Frequency
A policyholder must pay premiums monthly.Timeliness
It is your responsibility to fund your wallet to ensure that your premiums reach us at the specified time.

Eligibility
You can subscribe if you are between ages 18 to 59 years. You must be in good health and be resident in Ghana at the time of subscription.
Resident in Ghana at the time of purchase

Waiting Period
When your policy starts, there is 6 months (180 days) period during which no benefit will be paid, except for death or total permanent disability as a result of an accident.
Accidental death shall mean death by bodily injury caused solely and directly by violent, external, unintentional and visible means. Causes of death relating to illness, diseases or the ageing process shall be deemed to be caused by natural causes.

Medical Exam
The policy does not require medical examination.

Changes
If you increase your monthly premium, you will still be insured under your old benefit amount for 6 months (180) days after the increase. Your new benefit only applies after the four months have passed.
You may change your selected beneficiaries during the validity of the policy. If your beneficiary is below 18 years, you will be required to select a trustee.

Missed Payments
If you miss three (3) monthly premiums, your policy will become inactive and you will lose your benefits. Your policy becomes reactivated when you pay at least one-month premium. A waiting period of 6 months (180 days) apply for reactivated policies. Any premiums you miss will be deducted from the benefits to be paid to you or your beneficiary.

Maximum Benefit Payable
The maximum amount of benefit that can be paid on an insured person is GHS 12,900. If a subscriber has multiple premiums on different Momo wallets, they will receive up to GHS 12,900.

Termination/Expiry
Your policy is terminated if you pass away, cancel the policy. If you cancel the policy, any savings you have will be paid to you.

Reinstating a Terminated Policy
If your policy ceases you can request surrender benefit payout or request to be re-instated.

Agreement
This document shall form the basis of the entire contract. Any changes passed through any appropriate endorsement to these documents shall be accepted as part of the contract.
In the event of any disputes between you and us, we will endeavor to solve the matter ourselves. If we are not able to resolve the difference, an independent arbitrator including the National Insurance Commission shall be engaged in accordance with the Arbitration Act 1964 of Ghana.
With the documents listed above, you can also file on our website at Claims. Call us on 462 or send us a WhatsApp message on 050 151 8609 or walk into any of our branches.

Definitions
Accidental Death or Disability:Death or disability caused solely and directly by violent, external, unintentional and visible means and that such injury was the sole cause of death or disability.
You: Policyholder
Us or We: miLife Insurance Company Limited
Risk Premium: Premium paid to cover the insurance benefit and does not include additional contribution towards your savings account.

miLegacy
miLegacy is an income protection plan that allows your family to live out their dreams in the unfortunate event of your death, total permanent disability or diagnoses of a covered critical illness. The plan pays your family a substantial amount of money which would cover their expenses for a considerable length of time.

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Who is this Policy for?
Anyone who is the breadwinner in his/her family
Anyone with dependents
Anyone who wants to protect the dreams and wellbeing of their spouses and children, even in their absence

Eligibility
You will have to be between the ages of 18 years and 58 years to be eligible to purchase this policy.
Resident in Ghana at the time of purchase

Cover and Benefits
A standard miLegacy plan provides cover against death and total permanent disability, while a comprehensive miLegacy plan provides cover against death, total permanent disability and named critical illnesses.
While the disability and critical illness covers end at age 60, the death cover continues for as long as you live.
At the time of purchasing this policy, you select your desired level of cover which determines your monthly premium.
In the unfortunate event of your death, your death benefit will be paid to your beneficiary, while total permanent disability and critical illness benefits will be paid to you in any of those cases.
Waiver of premiums after age 60.

Premium Payment
Premium payment starts at the purchase of the policy and ends:
When you turn 60 years, if you purchased the policy before or on your 50th birthday; or
Ten years after you purchased the policy, if you purchased the policy after your 50th birthday

Optional Benefits
You may choose to cover your biological parents until their deaths, if you purchase the policy before you turn 50.
You may also choose to make additional premium contributions towards a purely investment account.

Advantage of this plan
The miLegacy plan ensures that no matter how long you live, you are still covered, unlike many of the income protection plans that cease at a specified age – meaning that there is a real chance of you outliving your policy and losing out on the benefit.

miCash
miCash is an endowment plan that helps you save towards a target amount. The target amount can be used as capital to start your business, funds for your child(ren)’s education etc. Your target amount will be paid out to you at maturity or to you or your beneficiaries in the unfortunate event of your death, total permanent disability or diagnoses of a covered critical illness.
You will also be paid GH¢ 250 each time you are hospitalised for 3 nights or more whiles on the policy. This benefit is up to a maximum of 2 times in a year.

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Who is this Policy for?
Anyone who wants to save money towards a business, education or any dream
Anyone who wants to protect the dreams and wellbeing of their spouses and children, even in their absence
Anyone who want the future to be better

Eligibility
You will have to be between the ages of 18 years and 56 years to purchase this policy.
Resident in Ghana at the time of purchase

Cover and Benefits
A standard miCash plan payout at maturity, death and total permanent disability, while a comprehensive miCash plan pays out at maturity, death, total permanent disability, and named critical illnesses.
At any time that you are hospitalized for 3 nights or more while on the plan, you will be reimbursed GHS 250 for each hospitalization. The payout will be up to a maximum of 2 times in a year.
In the unfortunate event of your death, your death benefit will be paid to your beneficiary, while total permanent disability and critical illness benefits will be paid to you in any of those cases.

Surrender
The plan will end and surrender benefit will be paid if Customer misses 3 consecutive months’ contributions or 10 months’ accumulated contributions during the lifetime of the policy,
No of Contribution | Surrender Benefit as % of Contribution
Up to 12 Months – 25%
Between 13 and 24 – 50%
Between 25 and 36 – 75%
Between 37 and 59 – 100%

Emergency Support
You may access this benefit if you are faced with an unexpected financial challenge before the maturity of the policy.
The emergency support will be a refund of some contributions paid and shall not exceed the maximum number of months displayed in the table below or the surrender value of the policy
You are eligible for this benefit after the first anniversary year. If emergency support is processed, the policy investment target will be adjusted.
Contribution Paid Maximum Months of Refund
Between 13 to 36 9 months
Between 37 to 59 12 months

Premium Payment
Premium payment starts at the purchase of the policy and ends:
When the policy matures
The customer makes a claim on the policy (excluding hospitalisation claim)
The policy is terminated

Other Features
To protect your benefits against inflation, the policy includes a 10% automatic premium adjustment and a 7.5% benefit adjustment, to be applied annually.

miTribute
miTribute is a funeral plan that helps you secure funds to enable you and your family organize a befitting funeral for a departed family member. The plan pays out a lump sum to help cater for the funeral expenses when a covered family member dies.

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Eligibility
You will have to be between the ages of 18 years and 54 years to purchase this policy. The maximum entry age for any family member you decide to cover is 74 years.
Resident in Ghana at the time of purchase
Resident in Ghana at the time of purchase

Cover and Benefits
At the time of purchase of this policy, you select the loved ones to cover and your desired level of cover, which determines your monthly premium.
The miTribute policy allows you to cover yourself and any of the following family members – spouse, parents, parents-in-law and two named close relatives.
The policy also provides free cover for up to four of your children less than 21 years of age.
The minimum death cover per life that can be purchased for yourself or your family member is GH¢ 2,000 and the maximum is GH¢ 30,000. However, the maximum cover for your child and the two named close relatives is up to half your selected cover.
If you happen to die through an accident, your beneficiaries will receive double the death benefit.

Premium Payment
Premium payment starts at the purchase of the policy and ends when you turn 60 years, if you purchased the policy before or on your 50th birthday; or Ten years after you purchased the policy, if you purchased the policy after your 50th birthday.

Optional Benefits
You may choose to make additional premium contributions towards a purely investment account.

Advantage of this plan
The miTribute plan is simple and affordable and does not include any fancy plan design which would increase cost and add little value to the benefits.

GNAT Heritage Cash Back Plan
HomeGNAT Heritage Cash Back Plan

GNAT Heritage Cash Back Plan
The GNAT Heritage Cash Back Plan is a ten-year income protection plan design for members of groups or institutions. It allows the member’s family to continue to live out their dreams in the unfortunate event of their death or total permanent disability. This policy also returns all of a member’s premium contributions with a bonus at the end of the policy term, if no claim is made.

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Who is the Policy for?
Anyone who is the breadwinner of their family.
Anyone with dependents.
Anyone who wants to protect the dreams and wellbeing of their family even in their absence.

Cover and Benefits
Heritage Life provides cover against death and total permanent disability. In the unfortunate event of your death, a death benefit will be paid to your beneficiary, while a total permanent disability benefit will be paid to you if you become disabled.
You are reimbursed your total premium contribution plus a bonus of 20% on all contributions:
If you survive the term of the policy without making a claim; or
If you exit from the member institution due to retirement or termination of employment.

How the Policy Works
The institution of which you are a member joins Heritage Life.
You sign up as a member of the scheme through your institution, select your benefit cover, inflation protection and monthly premium.
You pay your premiums through the institution.

Premium Payment
Premium payment starts at the purchase of the policy and ends at the end of the policy term or when you exit the institution.

Other Features
To protect your benefits against inflation, the policy includes a 10% automatic premium adjustment and a 7.5% benefit adjustment, to be applied annually.

Advantage of this plan
The insurance contract is reviewed and approved by your institution
Easy payment of premiums
Benefits are protected against Inflation
Return of premium plus a bonus if no claim is made

miGroup Funeral For oganizations
The miLife Group Funeral policy provides for payment of a lump sum (Sum Assured) for funeral expenses at the occurrence of the death of a:
Member
Spouse
Biological Parents or Parents-in-Law and
Children

Who is the Policy for?
Any recognized group or corporate body that wants to provide cover for their members or employees against life’s unfortunate events.

Who is this policy for?
Organizations, churches and associations that need funeral policy for their members and dependents.

Benefits
miLife will make death benefits payment in the event of death of the covered lives.

Group Life for All Your Employees
Group Life is an annual renewable policy which provides substantial coverage for the employees of a company. This product provides absolute peace of mind to companies in terms of providing benefits or compensation to their employees.

Who is the Policy for?
Any recognized group or corporate body that wants to provide cover for their members or employees against life’s unfortunate events.

Cover and Benefit
The policy covers death of a member, with an option to add any or all of the following selected benefits:
Total permanent disability as result of illness or accident
Total temporary disability as result of accident
Named critical illnesses (including Cancer, Stroke, Kidney failure, Paraplegia, Blindness, etc.)
Emergency medical expenses
Hospitalization
Workmen’s compensation

Eligibility
To be eligible for cover, the employee should at the date of the application not be more than 60 years and in good health. However, individuals above 60 years may be considered subject to separate underwriting consideration
Resident in Ghana at the time of purchase

Credit Life for Loan Protection
Credit Life provides cover for lending institutions against the death or total permanent disability of the borrower. This product ensures that the lending institution is not saddled with the challenge of pursuing the assets of deceased or disabled borrowers, but are reimbursed the outstanding loan amount by miLife. It also provides total peace of mind to the surviving family members of the borrower by relieving them of the obligation to repay the loan when the borrower dies or suffers total and permanent disability.

Who is the Policy for?
Lending financial institutions that want to ensure that their loans are recouped even when the borrower becomes deceased or disabled. Individual borrowers can also fall on us for insurance cover to secure their loans.

Cover and Benefit
The policy covers mainly death of borrowers and any of the following selected benefits:
Total permanent disability as result of illness or accident
Total temporary disability as result of accident
Hospitalization
Fire & Allied Perils
In the event of death or total permanent disability of the borrower, miLife will make a lump sum payment of the outstanding loan amount to the lending institution.

Eligibility
To be eligible for cover, the borrower (i.e. the Loan Beneficiary) should at the date of the application not be less than 18 and more than 65 years. However, individuals above 65 years will be subject to separate underwriting considerations.
Resident in Ghana at the time of purchase

Mortgage Life for Mortgage Protection
Mortgage Life provides protection against repossession by the financier of a property acquired through mortgage loans, should the policyholder(borrower) die or become permanently disabled before the end of the full repayment term. The outstanding mortgage (loan) balance will then be paid by miLife to the financier/Lender. This product ensures that the financier of the mortgage facility is not saddled with the challenge of pursuing the assets of deceased or disabled borrowers, but are reimbursed the outstanding loan amount by miLife. It also provides total peace of mind to the surviving family members of the borrower by relieving them of the obligation to repay the loan when the borrower dies or suffers total and permanent disability.

Who is the Policy for?
Mortgage institutions that want to ensure that their loans are recouped even when the borrower becomes deceased or disabled.

Cover and Benefit
The policy covers mainly death of borrowers and any of the following selected benefits:
Total permanent disability as result of illness or accident
Total temporary disability as result of accident
Named critical illnesses
In the event of death or total permanent disability of the borrower, miLife will make a lump sum payment of the outstanding loan amount to the lending institution.

Eligibility
To be eligible for cover, the borrower (i.e. the Loan Beneficiary) should at the date of the application not be less than 18 and more than 60 years. However, individuals above 60 years will be subject to separate underwriting considerations.
Resident in Ghana at the time of purchase

Keyman Life for Key Employees
The Keyman Life policy provides protection against monetary losses to a business organization as a result of death or total permanent disability of a valuable or key employee. It pays for the cost of replacement of that key person. Payment of benefit is subject to the Sum Assured.

Who is the Policy for?
For a Proprietor, key employer, or partner upon whom the success of the business depends
For Companies or individuals who want to protect their business from facing financial losses upon death or disability of the key man

Importance of the Keyman Policy
Aid in financial cost for training and recruitment for replacement of the
Keyman (Ensures business continuity)
Aid in the company’s ongoing expenses (protects profits)
Aid keeps market price stable of the business(Protects against losses)
Aid the company or employer payoff loans and other financial liabilities

Cover and Benefit
The policy covers death of a key employee and any of the following selected benefits:
Total permanent disability as result of illness or accident.
Total temporary disability as result of accident.
Named critical illnesses
In the event of death or total permanent disability of the key employee, miLife will make a lump sum payment of the sum assured to the organization.

Eligibility
To be eligible for cover, the key employee should at the date of the application not be less than 18 and not more than 65 years. However, individuals above 65 years will be subject to separate underwriting considerations.
Resident in Ghana at the time of purchase

Frequently Asked Questions!
For all other enquiries kindly call
024 243 9999 or visit any of our
offices nationwide.

How do I check the status of my policy?
Kindly click here to visit our customer portal for this service

How do I change my name on my policy?
Kindly click here to visit our customer portal for this service

How do I change the date of birth of any life covered on my policy?
Kindly click here to visit our customer portal for this service

How do I change my source of premium deduction to my bank account?
Kindly click here to visit our customer portal for this service

How do I change my source of premium deduction to Controller and Accountant General (CAG) Payroll?
Kindly click here to visit our customer portal for this service

When does my policy start?
The policy will commence when the company has accepted your application and your first premium has been received by miLife

What is a waiting period?
Waiting period is a period during which only claims arising from death as a result of an accident or total permanent disability as a result of an accident will be paid.

Can I take more than one policy?
Yes

How do I make outstanding payments?
Please call us on 024 243 9999 for assistance.

What happens when I pass on in the course of my policy?
Your named beneficiary is solely entitled to claim the policy benefits. In the event of beneficiary being a minor, the named trustee will claim the policy benefits on his/her behalf.

What is the difference between surrender and termination?
Surrender is when a client stops an investment linked policy for a cash value. Termination is the cancelling of an insurance policy without a cash value. Surrender is usually linked to investment related insurance policies whereas termination is related to pure risk policies.

How old do I need to be before I can take a policy with miLife?
The minimum entry age for all policies is eighteen (18) years. However, minors can be covered by their parent’s policies. The maximum entry age differs in each policy. This spans between fifty-five (55) years to seventy-five (75) years.

How long does it take to process my claim/partial withdrawal?
Five (5) working days for a death claim with investigations and 2 working days for all other claims.