Who we are

MicroInsurance Services Ltd (formerly MicroEnsure Malawi Ltd) is an insurance intermediary and consulting company whose exclusive focus is to address the mass market’s insurance needs to mitigate risk. It specializes in product design, product operation and claims administration in addressing the needs of the mass market. The company provides insurance to the low and middle-income market.

MicroInsurance Services Ltd works with NGOs, Agribusinesses, Mobile Network Operators, Banks, and Micro-finance Institutions by designing, implementing and managing products that address a wide of range of risks faced by low and middle-income consumers within different markets. Life, Health, Property and Weather Index Crop Insurance form Microinsurance Services Ltd product portfolio.

Vision statement

To be the most innovative and leading microinsurance service provider in Malawi.

Core Values

Microinsurance Services believes in the following core values:

  • Innovation
  • Customer Delight
  • Reliability
  • Integrity
  • Teamwork

Company History

MicroInsurance Services, formerly MicroEnsure (Malawi) Ltd registered as Limited Liability Company in 2015 and has been offering innovative microinsurance products on the Malawi market since 2013. Some of the innovative products that has been offered on the market includes TNM Moyo Cover which was launched in 2013 and Airtel Insurance launched in 2015. These are microinsurance products delivered through the mobile technology.

Mission statement

Reaching out to the mass market with innovative and affordable insurance products.

Our Motto

“Imagine Unlimited Possibilities!”

We are driven by the power of imagination. We believe everything is possible with imagination. We encourage our clients to imagine unlimited possibilities and we will innovate their imagination and transform it into reality.


  • Over 1,000,000 individual lives covered with our range of innovative products
  • Over MWK500,000,000 paid in claims
  • Over MWK5,000,000,000 sum assured in both life and non-life products

Our Team

Meet our passionate team
Team member
Chief Executive Officer
Gift Livata
Gift began his work in microinsurance in 2005 after joining Opportunity International Bank where he worked closely with MicroEnsure and the World Bank’s Commodity Risk Management Group in designing and executing crop insurance products for smallholder farmers. While working with the World Bank team, Gift championed the implementation of the weather index insurance with various stakeholders in the agriculture sector. He joined MicroEnsure in 2012 as Country Manager for Malawi and pioneered the establishment of MicroEnsure Malawi business which subsequently became MicroInsurance Services Ltd, where he designed and executed micro insurance products for the mass market.
Gift is a seasoned financial service specialist experienced in working with the low income market segment in specialised areas of microfinance and microinsurance. He is recognized for introducing the rural based agriculture lending model which has been used by Opportunity International in Africa. He has also delivered on a number of micro insurance projects using mass market approach.
Team member
Client Relations Officer
Will kaputeni
Will Kaputeni joined Micro Insurance Services Ltd as Client Relations Officer in Oct 2019. She is responsible for maintaining strong partnerships with existing clients and growing new business. Her role also extends toward marketing and public relation functions. She joined the company with experience in administrative skills. Will has a passion in seeing others learn and improve different skills that help them grow and be better people with better lives. She is a holder of Bachelor of Science in International Business Administration from United States International University – Africa.
Team member
Finance and Administration Officer
Kettie Mwasangwale
Kettie Mwasangwale joined Microinsurance Service Ltd in 2019 as a Finance and Administration Officer. She has three years of working experience in finance department. Kettie is self -driven, innovative and passionate, her role here is to develop and manage finance and administration functions and oversee all financial matters concerning MicroInsurance Service Ltd. Aside from her basic roles, Kettie also has knowledge in MicroInsurance policies, procedures and codes of conduct acquired from her previous employer (PULA Advisors Insurance Co.). She is a holder of Bachelor of Accounting from Catholic University of Malawi.
Team member
Business Engagement Officer
Williamkoy Ng'oma
Williamkoy Ng'oma holds a position of Business Engagement Officer where he focuses on building positive client relationships during projects by assessing clients’ needs, identifying customer requirements, and developing cohesive projects that improve the operations of a business through highly efficient procedures and systems. He is also responsible for strategically identifying new business opportunities and areas of potential business growth, analyzing portfolios to identify new opportunities, and helping to develop and communicate about the company’s products and services to the mass market. He also worked as a Research Assistant with Institute of Public Research and Opinions (IPOR) and also worked with Jhpiego Malawi as a Data Clerk. He is a holder of the Bachelor of Science in Food Technology from the Lilongwe University of Agriculture and Natural Resources (LUANAR).