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
Tayamika Mchuchu
Taya joined MicroInsurance Services Ltd as Client Relations Officer in 2018 and she is responsible for maintaining strong partnerships with existing clients and growing new business. Her role also extends toward marketing and client engagement functions. She joined the company with extensive experience in agribusiness and client relations. Taya has a passion in seeing communities grow in their various businesses and be able to fully utilize the financial services that are within their reach. She is a holder of Bachelor of Science in Agribusiness Management from Lilongwe University of Agriculture and Natural Resources.
Team member
Business Development Officer
Yamikani Livata
Yamikani has over 6 years’ experience in financial services, obtained while working with Nico Life Insurance Company in different capacities in Life and Pensions, Risk Management, Customer Relations. Later, he joined Industrial Employee Safety (INESA), an Occupational Risk Management Service provider, as Managing Executive. His role, is to develop and implement growth strategies for the achievement of revenue and client outreach goals. He is a holder of the Bachelor of Finance and Investment Analysis from the University of Malawi, Chancellor College, and is studying with the Chartered Insurance Institute.