Life insurance is based on a savings transaction that allows you to enhance the value of a capital or to pass it on.

The advantages:

With SAAR-VIE insurance contracts, you can make surrenders when you need money; change the beneficiaries designated in the contract; choose at the end of your contract whether the capital saved is paid to you as an annuity or as a lump sum.

Subscribe to life insurance according to your objectives.

The difference between life insurance and death insurance is that the second is a security contract designed to protect the financial needs of your loved ones in the event of premature death.

Find out more about our savings and pension products


Insurance is the transaction whereby one party (the insurer) undertakes to perform a service for the benefit of another party (the insured) in the event of the occurrence of a random event (the risk) in return for a sum of money (the premium or contribution).


This is the one who simply takes out an insurance contract within the framework of a risk transfer to the insurer. The subscriber may not be the one being insured.


It is the one on which the defined risk is based.

The risk may be based on goods (car, home, transport, business, etc.) and/or people.


This is the party who agrees to take on the risk to which the insured is exposed.


It is the sum of money paid by the insured to the insurer, so that the latter will assume the risk to which he is exposed, should it occur.


It is an uncertain event whose occurrence negatively impacts the achievement of an individual’s goals.


It is the occurrence of the risk guaranteed in the insurance contract. The occurrence of this risk results in damage (material, bodily or immaterial) or loss.


In law, a damage is the prejudice that a person suffers.


It is the amount paid by the insurer to the insured, as compensation for the damage suffered by the latter, in the event of the occurrence of the event provided for in the insurance contract.

“Mobile Money is a technology that allows people to receive, keep and spend money using a mobile phone.”

We encourage our customers to make their life payments via mobile money, as this payment method helps to:

You can choose between payment by Orange Money or MTN Mobile Money.

The procedure for paying your insurance premium via Orange Money is simple.

All you need to do is:

Once the acknowledgement of payment has been received by your manager, your contract will be edited.

The procedure for paying your insurance premium via MTN Mobile Money has been simplified. To pay your insurance premium, simply follow these steps: *126*1*1*680351541*amount*pin#

Once the acknowledgement of payment has been received by your manager, your contract will be edited.

The role of insurance is to limit the effects of life’s hazards. To do this, you have to pay an amount (insurance premium) to an insurer who undertakes to protect you against events that may affect your property, yourself or your family.

All the premiums paid by the insured to the insurer make it possible to compensate those who have had an accident. This is the principle of “risk pooling”.

Before subscribing to insurance, you need to identify the risks you wish to cover. Various insurance packs are useful or even indispensable in the context of your daily life.

SAAR insurance products allow you to live in complete peace of mind, whether you are an individual, a company or a professional.

Discover our non-life and life products.