Zambia · InsuranceLifeInsurance
Secure your family's future — because the people you love deserve financial protection
Trusted Cover
Zambia · Acentria
About This Cover
Why Life Insurance?
Acentria Zambia Life Insurance plans provide financial security for your loved ones in the event of death, disability, or critical illness. We have a solution that fits your life stage and goals.
"Secure your family's future — because the people you love deserve financial protection"
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
Permanent disability cover
Critical illness benefit
Funeral expense cover
Education protection for children
Investment and savings component (whole-life plans)
Flexible premium payment options
Policy loans available against 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
Flexible life cover that pays a lump sum to your beneficiaries upon death or permanent disability.
- Death benefit
- Permanent disability
- Critical illness rider
- Flexible sum assured
Term Life Insurance
Affordable pure protection for a defined period (5, 10, 15, or 20 years).
- Fixed term (5–20 years)
- Level or decreasing cover
- Convertible to whole life
- Very affordable premiums
Whole Life Insurance
Lifelong protection with a cash value component that grows over time.
- Lifelong cover
- Cash value growth
- Policy loan facility
- Estate planning tool
Last Expense Cover
Immediate financial relief to cover funeral and last-expense costs for your family.
- Quick pay-out within 48 hrs
- No medical exam required
- Covers burial expenses
- Affordable premiums
Why Acentria
Why Choose Us
Tax Relief Benefits
Enjoy up to KES 60,000 annual tax relief on life insurance premiums under the Income Tax Act.
48-Hour Claims Payment
We prioritise fast claims settlement so your family receives financial support when they need it most.
Flexible Premiums
Pay monthly, quarterly, semi-annually, or annually. We accommodate your cash flow.
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.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 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
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
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.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Life Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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