Company Profile

Smile Life provides Group Life Assurance Schemes, Group Funeral Insurance Schemes, Group Credit Life Assurance Scheme, Family Funeral Plans (Thandizo Policy). Smile Life has now been in operation for over ten years and has a management team with over forty years practical experience in the life insurance business

Our Mission

The mission of the company is to provide innovative and affordable life insurance products that are relevant and timely, to institutions, employers, associations, individuals and other stakeholders.

Our Vision

The vision of the company is to be the preferred life insurance company offering a wide range of affordable and innovative products promoted by a highly motivated and multi-skilled team of professional staff supported by efficient and effective operational systems.

Our Values

  1. Accountability
  2. Honesty (probity)
  3. Transparency
  4. Trust
  5. Humility
  6. Quality
  7. Frugality


​The primary objective of the company is to make life insurance affordable to most Malawians by charging very competitive premium rates, thereby helping to increase the market penetration of life insurance products in Malawi with the aim of enabling most Malawians to benefit from life insurance products.

The second objective is to provide products that are unique and have relevance to the traditional and cultural values of Malawians.

The third objective is to enable employers to comply with the requirements of Section 15 of the Pensions Act 2010 which makes it mandatory for every employer to provide life insurance cover to employees, of at least one year’s salary as death in service benefit.

Our Management Team



Stain John Singo ACII, Chartered Insurer. Mr Singo was the first Malawian General Manager of NICO Life and has 45 years of experience in Life and Pensions Business.
Email: stain@smilelifeinsurancemw.com
Tel: +265 (0) 999 964 024
+265 (0) 1 832 211/244



Mrs Beatrice Mangwana, BCom (Bus. Admn), MBA, ACII, Chartered Insurer. Mrs Mangwana was the former Deputy Chief Executive of NICO Life and has 27 years of experience in Life and Pensions Business.
Email: beatrice@smilelifeinsurancemw.com
Tel: 265 (0) 993 376 865
+265 (0) 1 832 211/244



Esnath Sichinga, FCCA. Mrs Sichinga has over 20 years experience in Finance having worked for a number of companies, such as Pharmanova Ltd. Malawi College of Accountancy, Serendib Hotels and Resorts.
Email: esnath@smilelifeinsurancemw.com
Tel: 265 (0) 996 274 202 865
+265 (0) 1 832 211/244



Tumpale Sibakwe BA, Chartered Insurer, ACIM (Associate Chartered Marketer). Tumpale Sibakwe has over 4 years of experience in Life Insurance. She is currently pursuing insurance studies offered by the Chartered Insurance Institute UK.
Email: tumpale@smilelifeinsurancemw.com
Tel: 265 (0) 882 197 592
+265 (0) 1 832 211/244


Gonjani Fumulani - Bcom (Bus. Admn), Dip. in Bus. Mgnt, Certificate in Insurance, MBA in Progress – Business Development Manager. Gonjani Fumulani has got over 10 years of experience in Life Insurance and Pensions and also over 15 years of experience in Client relationship management. Email: gonjani@smilelifeinsurancemw.com Tel: 265 (0) 888 314 888 / +265 (0) 1 832 211/244

Frequently Asked Questions

These are some of the frequently asked questions

A life insurance policy is a contract to provide your beneficiaries with a cash payout upon your death. 

Term life insurance generally provides coverage at a more affordable cost for a set period of time, while permanent life insurance provides coverage as long as required premiums are paid.

Group policies provided by employers typically offer an affordable and easy way to enroll in life insurance without a medical exam. However, group policies may only pay an amount equal to one or two years of salary or a similarly limited amount, which may or may not be enough to cover your family’s needs.

Premium rates are typically based on factors such as age, gender, height, weight, health status and if you participate in high-risk activities or occupations.

Group life insurance products offer benefits to a group of people.  The insurance cover will be provided to a group of people under a single master life insurance policy. Employers are bound to provide an insurance plan to their employees and therefore often offer group insurance cover.

This cover is a funeral scheme, which provides a lump sum benefit payable upon the death of the member (employee), spouse and/or children (up to 4) and parents to meet funeral and other expenses associated with a death in the family.

This is a type of life insurance that effectively pays off the debt owed on a loan/credit account or mortgage in the event of the borrower’s death. If the debtor dies before the loan is fully repaid, the policy pays the lender an amount equal to what is still owed to the creditor at that time.

It is an all-embracing funeral plan for people who are articulate planners in life and those who care for their families. The product is meant for those that do not want to leave the burden of their family funeral arrangements to relatives, friends or neighbors. This is a unique product, which has embedded benefits such as Survival (Premium Refund), Tombstone and Grocery benefits.