About SONARWA Life
Discover our goals, our long-term vision, and the guiding principles that make us Rwanda's leading life insurance partner.
COMPANY OVERVIEW
SONARWA Life Assurance Company Limited (SONARWA Life) is a public Limited Liability company registered under the laws of Rwanda and licensed by the National Bank of Rwanda to carry out the risk of underwriting business of Life Assurance & Pension management.
With a strong foundation and a clear vision, we leverage our extensive expertise to provide superior financial protection and retirement solutions, ensuring the long-term sustainability of our clients' futures.
- More than 20 years of experience
- Over 200k happy customers and finished projects
- It has 30 branches around the world

Roots of Excellence
SONARWA S.A. established as the first insurance company in Rwanda, laying the groundwork for the nation's financial security.
This marked the beginning of a new era for financial security and institutional growth in the region.
Dedicated Division
Started as a specialized division within SONARWA S.A. to focus on the growing needs of life assurance and pension management.
This transition allowed for a highly targeted approach to managing complex life products.
Independent Entity
Became an independent registered entity in January 2011, separating Life/Risk products from Long Term Savings as per new regulations.
The split drastically improved operational efficiency and focus.
Pension Law Adaptation
Paved the way for the New Pension law, enabling us to manage Occupational Pension Schemes and Personal Retirement Saving Accounts.
We quickly integrated the new frameworks to provide compliant and robust saving plans.
Sole Shareholder (RSSB)
The Rwanda Social Security Board (RSSB) became the sole shareholder, bringing unparalleled experience in pension scheme management.
This partnership cements our long-term financial stability and commitment to our clients.
Market Share
Years of Experience
Products
Provinces

Financial & Pension Services
Offering comprehensive Personal and Group Pension Plans designed to ensure long-term financial security and retirement stability.
- Personal Pension Plan
- Group Pension Plan
- Retirement Savings Plan
Financial & Pension Services
Offering comprehensive Personal and Group Pension Plans designed to ensure long-term financial security and retirement stability.
Family & Individual Protection
Providing compassionate solutions like Hamwe Nawe (Funeral Insurance), Ishema ry'Umuryango, and dedicated Life Assurance policies.
Corporate & Credit Solutions
Specialized Group Life Policies and Loan Protection services that safeguard institutions and their stakeholders against risk.
Our Products
Financial & Pension Services
Offering comprehensive Personal and Group Pension Plans designed to ensure long-term financial security and retirement stability.
- Personal Pension Plan
- Group Pension Plan
- Retirement Savings Plan
Family & Individual Protection
Providing compassionate solutions like Hamwe Nawe (Funeral Insurance), Ishema ry'Umuryango, and dedicated Life Assurance policies.
- Hamwe Nawe (Funeral Insurance)
- Ishema ry'Umuryango
- Life Assurance Policy
Corporate & Credit Solutions
Specialized Group Life Policies and Loan Protection services that safeguard institutions and their stakeholders against risk.
- Group Life Policy
- Loan Protection Cover
- Mortgage Protection
Our Mission & Vision
Mission
"To deliver superior returns to our investors, responsive products to our clients and innovative solutions to drive sustainability of SONARWA Life."
Vision
"To be the leading provider of life insurance and wealth management."
Guiding Principles
01.Innovative
We embrace new ideas and technologies to provide forward-thinking insurance solutions based on client needs.
02.Trustworthy
Our reputation is built on transparency, reliability, and honoring every commitment based on client needs.
03.Customer-centric
Every decision we make starts with understanding and prioritizing our clients' needs.
04.Teaming
We believe in the power of collaboration and collective effort to provide good solutions.
05.Integrity
We maintain the highest ethical standards in all our business operations.
Have more questions about our services or history? Explore our comprehensive FAQ section for detailed answers.
Frequently Asked Questions
