Uganda · InsuranceLifeInsurance
Mobile money premiums. 48-hour family payout. From UGX 20,000/yr.
Trusted Cover
Uganda · Acentria
About This Cover
Why Life Insurance?
In Uganda, fewer than 5% of adults hold life insurance. When a breadwinner dies, families lose income, children leave school, and savings are depleted in weeks. Acentria Uganda Life Insurance changes this — with flexible plans starting at UGX 20,000 per year, payable via mobile money, designed for Ugandan families at every income level.
"Mobile money premiums. 48-hour family payout. From UGX 20,000/yr."
Coverage Details
What's Covered
Life Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Death benefit paid to your beneficiaries within 48 hours
Permanent disability cover
Critical illness benefit
Funeral and last expense cover (UGX 500,000–2,000,000)
Education protection — your children's school fees guaranteed
Flexible premium payments via MTN/Airtel Money
Policy loans available against accumulated cash value
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Individual Life Assurance
Comprehensive life cover with death, permanent disability, and critical illness benefits.
- Death benefit
- Permanent disability
- Critical illness rider
- MTN/Airtel payments
Term Life Insurance
Pure protection for 5–20 years at Uganda's most affordable premium. Ideal for loan collateral and family protection.
- Fixed term cover
- Level or decreasing sum assured
- Loan protection option
Last Expense Cover
Cash paid within 48 hours to cover funeral and burial expenses — protecting family dignity at the hardest moment.
- 48-hour cash payout
- No medical exam required
- Covers spouse and children
- MTN/Airtel payment
Education Protection Plan
Guarantees your children's school fees from primary through university — even if you are no longer around.
- Education fund payout
- Premium waiver on death
- Primary to university
- Flexible contribution levels
Why Acentria
Why Choose Us
48-Hour Family Payout
When a policyholder dies, the family needs money immediately — not after months of claims processing. We target payment within 48 hours of receiving valid claim documentation.
Mobile Money Premiums
Pay your life insurance premium via MTN or Airtel Money — monthly, quarterly, or annually. No bank required. Even micro-premiums from UGX 20,000/yr are accepted.
Loan Collateral Accepted
Uganda's banks and SACCOs accept Acentria life policies as collateral for loans. A life policy protects your family AND enables access to credit.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Boda-Boda Accident
Boda-Boda Operator
A Kampala boda-boda operator was involved in an accident resulting in a passenger injury claim. Acentria managed the third-party medical and compensation process end to end. Full settlement was paid via MTN Mobile Money within 7 working days — keeping the operator compliant and financially protected.
Amount Paid
UGX 12,000,000
Settlement
7 days
Health — Emergency Surgery
Corporate Group Member
A Kampala-based corporate group member required emergency surgery at International Hospital Kampala (IHK). Acentria pre-authorised the procedure on the same day as notification. The full hospital bill was settled via direct billing — the client was discharged in 3 days without having handled a single invoice.
Amount Paid
UGX 45,000,000
Settlement
3 days
Fire — Commercial Property
Nakasero Retailer
An electrical fault caused a fire that destroyed the stock of a Nakasero retail business. Acentria appointed a surveyor within 24 hours and negotiated the full stock valuation with the insurer. The complete replacement value of UGX 180 million was paid within 21 working days, enabling the business to restock and reopen.
Amount Paid
UGX 180,000,000
Settlement
21 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
From policy issuance to claims support, the Uganda team at Acentria has been a reliable partner for our organisation for over five years.
Josephine Nakato
Procurement Manager, Uganda Development Corp.
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Life Insurance.
Speak with one of our Uganda specialists today and get a personalised solution within 24 hours.
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