Welcome To Sagamu Microinsurance ltd-SMIL

Protect what is important to you with our products.

Protect what matters with policies designed for Every Nigerian Life — simple, transparent, and rooted in your community.

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Microinsurance, Done Right

Cover that grows with your business.

From traders to tech founders — SMIL has flexible plans built for the way you work.

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Community First

An associate company to Sagamu microfinance bank.

Decades of community banking heritage now extended to insurance you can trust.

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Why US

Insurance that protects you & your property for today and also secures your tomorrow

We combine regulatory rigour with local insight, so your cover always feels personal — never transactional.

NAICOM Certified

Fully licensed and regulated by the National Insurance Commission of Nigeria.

Re-insurance

Our company is solidly supported by Reinsurance led by Continental RE and Nigerian RE.

Tailored Protection

Affordable, micro-premium plans built specifically to protect low-income earners, traders, and small businesses.

Community Focused

Our Plans are designed around the people, traders, and families we serve every day.

Cover For The People

Insurance that listens before it talks.

Every SMIL agent is trained to understand your goals first, And offer honest guidance to help you choose the right cover for your stage of life or business.

Meet our team

About SMIL

Started in Sagamu. Built for Nigerian.

Sagamu Microinsurance Limited was founded to make insurance simple, affordable, and accessible to everyone — from market traders to growing enterprises. We believe that protection is a right, not a privilege.

Meet Us