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, ACCA. 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



Mr Nyirenda was former Marketing Manager of NICO Life and has 34 years of experience in Life and Pensions Business.
Email: arnold@smilelifeinsurancemw.com
Tel: 265 (0) 999 310 144 865
+265 (0) 1 832 211/244




Cecilia has over 10 years experience in Marketing and Information Systems. Prior to joining Smile Life Insurance, she has worked at Sycamore Credit Limited (member of Alliance Holding Group) as Business Development Manager. She holds PHD in Business Management specializing in Marketing and Economics from UIBE in Beijing, an MBA from UIBE in Beijing and BSc in Information System from the University of Malawi, the Polytechnic.
Email: cecilia@smilelifeinsurancemw.com
Tel: 265 (0) 991 718 181
+265 (0) 1 832 211/244

Frequently Asked Questions

These are some of the frequently asked questions

The place value of a digit in a number is the value it holds to be at the place in the number. We know about the place value and face value of a digit and we will learn about it in details.The place value of a digit in a number is the value it holds to be at the place in the number. We know about the place value and face value of a digit and we will learn about it in details.

General liability protects you against claims for bodily injury and property damage, such as someone tripping over a cord in the office and falling. Professional liability is insurance that protects you and your staff against negligence claims relating to your delivery of professional services; for example, offering what someone perceived as bad advice.

Yes, auto insurance is mandatory in every state across the U.S., but insurance carrying laws vary. To make sure you have the right insurance, visit your state government’s transportation website .When you purchase a condominium, you are not purchasing the building; you are purchasing a unit inside the building. You are also most likely a part of a condo corporation that fixes external structural damages. Homeowners insurance covers the structure as well as the contents inside the home. 

Finding auto insurance online takes as little as 5 minutes when you use CoverHound.If you lie about your driving history, the DMV reports that you are committing what is known as “soft fraud.” If you do lie, the insurance company can deny you services and cancel your coverage.

Most insurance companies leave this to your choice. Some will offer you a lower insurance premium rate if you pay your premiums annually. For your first offense, your insurance company will mail you a warning notice. If it happens again, they will issue a late charge or cancel your policy.