Life insurance
- Group Life
- Credit Life
- Individual Term Life
- Savings-linked Life
- Annuity
Services & partners
One broker across the whole programme.
We assess risks, place cover, administer policies and manage claims from notification through settlement, advocating for fair, timely outcomes.
What we do for clients
Our services
Risk Assessment
We assess your exposures and identify suitable protection.
Risk Advisory
Independent advice you can act on, explained clearly.
Market Placement
Terms quoted across the market and placed with the right insurer.
Policy Administration
Policies, endorsements and documents handled for you.
Premium Management
We coordinate premium payment and administration.
Claims Management
We support notification and pursue claims through resolution.
Renewal Management
We review changing needs and arrange continued protection.
Employee Benefits
Group life and HMO programmes designed for your workforce.
Compliance Support
Disciplined compliance with NAICOM, NCRIB and statutory obligations.
PLANNED
Technology & digital approach
Digital enrolment and partner channels to widen access. Policy documents, renewal reminders and claims updates through digital channels, backed by personal advice.
How we work
Our client service process
01
Lead Generation
Start the conversation about your insurance requirements.
02
Needs Assessment
Assess your exposures and identify suitable protection.
03
Insurer Quotation
Compare insurer terms, scope of cover and pricing.
04
Placement
Confirm the selected insurer and agreed cover.
05
Premium Collection
Coordinate premium payment and administration.
06
Policy Issuance
Arrange policy documents and explain key terms.
07
Ongoing Policy Support
Explain cover and policy changes, and guide you on when and how to report a potential claim.
08
Claims Support
Support notification and pursue claims through resolution.
09
Renewal Management
Review changing needs and arrange continued protection.
Every stage has a named owner, an agreed service standard and a record the client can see.
Our solutions
Insurance for every need
Choose a class to see the products we place and how we help.
General insurance
- Fire & Special Perils
- Burglary & Housebreaking
- Motor Insurance
- Marine Cargo & Goods-in-Transit
- Property & All Risk
03
Clients & solutions
The markets we serve — each with the same discipline: understand the exposure, quote the market and stand behind the claim.
Public sector
Government agencies and local governmentsTender-ready through BPP, NSITF, ITF, PENCOM and tax registrations
Corporate
Manufacturing, telecoms, banking, hospitalityProgramme design, placement and claims handling for multi-class covers
Retail
Individuals and small businesses, sold digitallySimple, fast cover for individuals and small businesses, sold digitally
Oil and gas
Co-broking into specialty risks with reinsurer supportSpecialty energy risks placed through co-broking and reinsurer support
Healthcare
Hospitals, clinics, HMOs and practitionersProfessional indemnity, HMO-backed group health and asset cover for care providers
Education
Schools, colleges and institutionsProperty, liability and group life programmes for schools and institutions
Ready to protect what matters most?
Tell us what you need to protect and a named HAT broker will quote the market and come back with clear terms and pricing.