DigiInsure • Cover from licensed insurers • KairosFreightSync

Two books. Ghana law requires it.

Act 1061 forbids a composite licence. General and life cover never share a book. These are product doors — not a staff finance login.

Short-term / general (Ghana Act 1061)

Motor, marine cargo, fire, liability, and goods in transit — issued by licensed general insurers. Never mixed with life.

Long-term / life (Ghana Act 1061)

Credit-life and other long-term cover — issued by licensed life insurers. Never mixed with the general book.

An inquiry on this site is a conversation. It is not bound cover and not a paid claim.

1

You describe the risk

Cargo, vehicle, or a loan that may need credit-life. We route you to licensed providers — we do not price or bind.
2

A licensed insurer quotes

A quote is an offer. It is not in force. A loan approval is not life cover.
3

They bind. Then they issue.

Only the licensed carrier can put cover in force. GKI “Verified” is not that authority.
4

If something happens

You notify the carrier. Opening a conversation here is not a paid claim.

Marine cargo and goods in transit through a licensed general insurer — on the short-term book only.

Compulsory third-party, fire and theft, or comprehensive. A product path is not a certificate until the carrier issues one.

Credit-life sits on the long-term book. A disbursed loan is not insured until a life insurer binds.

A licensed firm can sell through this desk today. Policy administration is not live on this page.

Open a licensed-provider desk at /insurance/join without waiting for GKI to mint a login
Publish offerings and answer inquiries as a licensed insurer or broker
After licence attest, run quote → bind → issue → claim paid on honest intents — not createPolicy and not a licensed PAS
Use GKI Verified as a platform trust badge — not as an NIC licence
Keep general and life on separate legal books (Ghana Act 1061)
This SaaS is the distribution channel — not the firm’s PAS and not a close in perpetuity

Quote → bind → issue as a licensed PAS / policy_core
Claims paid, premium cash, and insurance accounting measures as truth on this desk
A composite book or one database for both licences
Measurement laboratory as a statutory close

A current NIC (or home-regulator) licence for the book they will write
Wording versions and people who may bind
If they want both general and life: two licences, two books — never one login as both

Provider sign in when you are ready to publish offerings. Policy administration is a later gate — not a button on this page.

Golden Kairos Innovations Ltd does not underwrite, hold premiums, or adjudicate claims. Contracts are with licensed insurers and brokers.
This is the Insurance command centre for distribution — not a Policy Administration System.
This screen does not publish GWP, in-force counts, claims paid, CSM, BEL, or RA.
A quote is not cover. A conversation is not a paid claim. A loan is not life insurance.
GKI “Verified” is a platform trust badge — not an NIC licence.