Licensing, claims, and the people who already trust us.
SMIL operates under a microinsurance licence issued by the National Insurance Commission of Nigeria (NAICOM). Our licence number and disclosures are provided on request and on every policy document.
Sagamu Micro-insurance LTD is solidly supported by Reinsurance led by Continental RE and Nigerian RE.
Customer data is handled in line with the Nigeria Data Protection Act (NDPA, 2023). We never sell your information, and we use it only to manage your policy and serve you better.
Our promise: most valid claims are settled within 7 working days.
Call, WhatsApp or email to notify us of the incident.
Photo evidence, ID, and any reports (police, hospital, etc.).
Our claims officer reviews visit may be required.
Approved claims are paid directly to your bank account.
"Testimony: I have partnered with Sagamu Micro Insurance Ltd for nearly three years, and our relationship has been exceptional. Their claims process is unimaginably prompt, and I hapily recommend their services to everyone."
"Testimony: I’ve been dealing with SMIL as one of their yearly income client for more than 3years, and throughout that time their customer relations have been consistently excellent. The team is responsive, explains policies clearly and simply, and handles my queries and claims promptly. They make me feel like a valued client and I have no hesitation recommending Sagamu Micro insurance Limited. "
"Testimony: Over the past three years, Sagamu Micro Insurance has never disappointed me. Their service is reliable, and they go above and beyond for their clients—even ensuring I received an urgent claim within 12 hours even after banking hours with heavy rain. Your investment is safe, secure, and handled with total dedication."
