Life Report

Product Insurance Market Reports Life Rev Haiti

Key Highlights

Get access to Axco’s online product with the latest market intelligence for the market of your choice


  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details Haiti's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in Haiti'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 Haiti

The Haiti life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of Haiti.  Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit Haiti 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 Haiti’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in Haiti is available.

Axco’s report describes the regulatory framework that applies to Haiti's domestic life insurance sector, including whether non-admitted insurance is permitted in Haiti; as well as the legislation necessary to know regarding Haiti’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 who are the leading life insurance companies in Haiti with local life insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Haitian 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 Haiti, 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 Haitian 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 Haiti 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 

Haiti Life and Benefits Report Extract

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

Life Insurance

Haiti is amongst the smallest life markets in the world. Contrary to the non-admitted rules it is understood that a good deal of life business is written in the US and other overseas markets.

The market size reflects the fact that the country's economy is in a miserable state and that statistically the country is the poorest in the western hemisphere. With nearly 80% of the population estimated to be living below the poverty line ....


Haiti has a social security pension scheme but in practice it covers only those living in and around Port-au-Prince. The scheme is riddled with problems including employers' reluctance to enrol their workers, a tendency to underestimate the numbers of workers and difficulties in establishing their identities due to the fact that many Haitians - up to 50% by some estimates - do not have birth certificates ....


As in the case of life and pensions, demand for healthcare is low, although several plans are available in the market. Typically these are issued by international healthcare specialists whose products are marketed within Haiti by general agents and local insurers effectively acting as intermediaries. Both individual and collective business is written, though most market premium comes from the latter. Even though the state health service is rudimentary, which in most markets would encourage the development of private insurance, in Haiti most people are so poor that they can hardly afford to buy the essentials of life let alone purchase insurance ....

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