Republic of Congo

Life Report

Product Insurance Market Reports Life Rev Congo, Republic

Key Highlights

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  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details the Republic of Congo's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in the Republic of Congo's economic and political environment
  • Demographic information
  • Market statistics and company performance

Report Overview

Independent strategic insight, line of business detail, regulatory information & market data for the non-life (P&C) insurance market of the Republic of Congo

The the Republic of Congo life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of the Republic of Congo.  Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit the Republic of Congo and interview local professionals working across the local market. The report is updated with new information and data regularly throughout the cycle of country visits.

The report provides information about the Republic of Congo’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in the Republic of Congo is available.

Axco’s report describes the regulatory framework that applies to the Republic of Congo domestic life insurance sector, including whether non-admitted insurance is permitted in the Republic of Congo; as well as the legislation necessary to know regarding the Republic of Congo’s healthcare, pensions and social security.

Statistics include five years of life insurance market performance indicators, including gross written premiums, premium growth and penetration rates. Company statistics show local insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including the Republic of Congo market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
Information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in The Republic of Congo, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.


Axco reports on the three pillars of the Republic of Congo pension provision.

  • State pension benefits including benefit calculations and eligibility criteria 
  • Workplace pension provision; types of schemes calculations eligibility and; tax implications
  • Voluntary individual pension provision, type of products and tax implications

Social Security

The Republic of Congo report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

  • state pensions,
  • permanent disability benefit
  • occupational accident and disease
  • maternity and paternity payments 

Republic of Congo Life and Benefits Report Extract

Below are brief extracts of information from the Republic of Congo Life & Benefits Report; more updated information may be available in the latest published report.

Life Insurance

Group death benefit business is the most important single segment of long-term business, accounting for 42.4% of the long-term total in 2018. This is made up of policies bought by banks to cover their borrowers, as well as policies bought by companies to provide for families of employees who might die prematurely. This was nevertheless a decline of 28% over 2017 no doubt reflecting the difficult economic environment.

Individual business remains a small segment overall. The largest element is endowment with policies typically used to save up for a child's education or for the policyholder's funeral. In 2018 ....


In 2018 group savings business accounted for about 12.3% of all long-term premium. Much of this is aimed at providing a form of "pension", namely a lump sum upon giving up work. Individual savings policies, including pensions for the self-employed, has tended to fluctuate. It generated just over 31.9% of long-term premium and showed a 376.8% increase over 2017.

The International Monetary Fund (IMF) reported in 2015 that the level of "formal" savings in the country was low relative to other countries in the Economic and Monetary Community of Central Africa ....


The majority of the population currently has no access to health insurance although it is popular with those that can afford it.

In 2018 combined personal accident and healthcare insurance generated some XAF 6.80bn (USD 12.39bn) of premium income which was 12.9% of the non-life total.

The country aims to ....

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