Press Release Mutual Life Africa Announces Strategic Intent to Pursue Dual Listing on London and Johannesburg Stock Exchanges by 2027/2028 Mutual Life Africa Mutual Life Africa Announces Strategic Intent to Pursue Dual Listing on London and Johannesburg Stock Exchanges by...
Your policy. Your asset.
If you took out a policy
3 years ago, here is what
you could access today.
Most insurance policies pay out when the worst happens. Mutual Life Africa pays out while you are still living. Every policy builds cash value over time — a reserve tied to your cover amount that you can access at key milestones. No investment required. No separate product. Just your existing cover, working harder.
You started in 2022
$25,000 cover
Life Cover — Standard Plan
You have paid in
~$900
$25 / month over 36 months
Cash value available today
$750
3% of your $25,000 cover — yours to claim
Now run your own numbers.
Adjust the cover amount and premium below to see what your policy could be worth at each milestone.
$25,000
$25 / month
Year 3 — 3% of Cover
$750
Cash value unlock
Premiums paid: $900
Year 5 — 10% of Cover
$2,500
Cash value unlock
Premiums paid: $1,500
Year 10 — 20% of Cover
$5,000
Cash value unlock
Premiums paid: $3,000
Cash value is based on your cover amount, not premiums paid. Actual premium varies by age, health, and plan selected.
Who we are
Built for African families, wherever life takes them
Mutual Life Africa is a financial services provider built on the belief that African families — wherever they live, work, and build their lives — deserve access to reliable, relevant financial protection.
We exist to serve African nationals, African expats, and diaspora communities who have historically been underserved by traditional financial systems that were never designed with their realities in mind.
We provide credit, life, and funeral cover designed for cross-border realities — insurance that travels with you, credit that rewards reliability, and financial infrastructure tailored to the African experience.
Protection without borders
Our insurance products are designed to remain valid as you move. Whether you relocate from Nigeria to London, Zimbabwe to Johannesburg, or Ghana to Dubai — your cover and your family's security travel with you.
We also cover African-owned businesses operating across borders — so your enterprise is protected wherever it trades, not just where it was registered.
Credit that builds with you
Every premium paid on time builds your financial reputation within the Group. Consistent policy tenure opens access to credit products through African Mutual Capital — turning insurance into a foundation for broader financial inclusion.
Multi-currency by design
We operate in GBP, USD, EUR, and ZAR because African families live and earn across multiple currency zones. Your insurance, your credit, and your payments should reflect the financial reality you actually live in.
We provide Foreign Workers Compensation Cover to some of the worlds largest companies
Mutual Life Africa serves leading global corporations such as Shell plc, Glencore, and Transocean, providing specialised Foreign Workers Compensation Cover that protects employees across borders with comprehensive support for workplace injuries, medical care, and repatriation.
Protect What Matters — Get Covered Today
Mutual Life Africa serves African nationals across the continent, as well as Africans living and working abroad.
Our international footprint extends across the United States, Canada, the United Kinndom, South Africa and key markets in Asia.
In Europe, we support African communities throughout France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium, Sweden, Norway, Denmark, Ireland, Switzerland, Austria, Poland, the Czech Republic, Finland, Greece, Luxembourg, and Malta.
Through a cross-border operating model, we provide Africans — whether at home or abroad — with direct access to life insurance, funeral cover, repatriation benefits, and financial solutions designed around their realities.
Cross-border
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Covered Countries
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African Nationalities
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Our vision
"Every African family and every African business — regardless of where they operate, what passport they carry, or what currency they earn — deserves financial institutions that work for them."
Mutual Life AfricaWho it's for
For every African, everywhere.
60 million Africans live outside Africa. Millions more live far from the families they were born into. International Funeral Cover was built for all of them — wherever they are in the world.
North America
USA · Canada · Mexico
African professionals, students, nurses, entrepreneurs on work visas, green cards, or citizenship
Europe
UK · France · Germany · Netherlands · Belgium · Italy · Spain · Portugal · Switzerland and beyond
Middle East & Asia
UAE · Saudi Arabia · Qatar · Kuwait · China · Japan · South Korea · Australia · New Zealand
Across Africa
Nigeria · Ghana · Kenya · Zimbabwe · South Africa · Zambia · Uganda · Cameroon · Senegal · Tanzania and 25+ more
- You send money home every month — now send peace of mind too
- You have parents or siblings back home with no financial safety net
- You've seen what happens when a family loses someone without cover — and you refuse to let that be your story
- You want USD cover that works across every border — not a local policy that stops at one country's edge
- You want the #1 funeral cover provider built by Africans, for Africans — trusted across 50+ countries
Life
Mutual Life Africa Life Cover is designed for individuals and families living and working across countries. Whether you are building your life in Europe, the USA, or within Africa, Mutual Life Africa ensures your loved ones are financially protected with a guaranteed payout when it matters most.
Funeral
hen you’re building a life abroad, your loved ones are often back home. Our funeral cover ensures your family is financially supported with a fast, reliable payout—wherever they are.
Business
Mutual Life Africa Cross Border Business Insurance is a comprehensive and cost-effective insurance solution designed for African businesses operating across borders.
Get Your Cover in Minutes — Start Your Instant Quote
Get covered in minutes with our instant quote tool — built to give you clear, accurate pricing and immediate access to protection, wherever you are in the world.
- Fast, real-time quotes with no delays
- Simple process with minimal information required
- Transparent pricing with no hidden costs
- Immediate next steps to activate your policy
Mutual Life Africa
Step 1 of 4
Get a Quote
What would you like to cover?
Select the type of cover you are interested in.
Currency
Which currency do you pay in?
Your premium and payout will be in this currency.
Life Cover
What is your age group?
Your premium is calculated based on your age.
Life Cover
Choose your cover amount
Monthly premiums shown for your age group and currency.
What's included
Guaranteed cash payout — lump sum benefit paid upon death
No medical exams required — easy onboarding with minimal underwriting
Global protection — cover remains valid regardless of where you live or work
Financial security for families — supports dependents after loss
Cover up to age 70 — broad eligibility across age groups
Reliable, fast payouts — built for efficient cross-border disbursement
Optional repatriation integration — complements funeral cover where needed
Funeral Cover
Choose your plan
Select a plan and expand to see full benefits.
Your Quote
Funeral Cover Summary
Review your quote and get covered today.
Whether Your home or abroad
Credit designed around African lives and African ambition
Multi-currency lending
Loan currencies — USD · GBP · EUR · ZAR
Mutual Life Africa Credit provides structured lending and financing solutions to individuals, businesses, and commercial enterprises — with products built specifically for the African expat, diaspora, and domestic African market.
Mutual Life Africa Commercial
Mutual Life Africa Commercial is our specialist division focused on delivering tailored financial and risk solutions for businesses operating within and across African markets. We support SMEs, corporates, and diaspora-led enterprises with structured cover, credit solutions, and employee benefit schemes designed to align with real operating environments.
Latest News & Insights
Our blog and news section covers industry developments, financial guidance, product updates, and stories that matter to African nationals, expats, and diaspora communities navigating life across borders.
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