| Participating Life Insurance | Life insurance products with profit participation. | Brand trust, distribution networks, regulatory approvals. | Retail individual customers. | Investments and higher persistency policies. | 8551 | 12 | Premium collection, investment income, and policy charges. | Premium based; long-term renewal revenue. | Demand for savings with life cover, policyholder participation features. | |
| Participating Pension | Participating pension products for retirement savings. | Experienced fund management, regulatory trust. | Individual and group retirement customers. | Investment income on pension funds. | 322 | 0 | Premium income and investment profits. | Premium based with long term contracts. | Growing retirement planning needs. | |
| Non Participating Life Insurance | Non-participating life insurance products without profit sharing. | Product diversity and strong claims service. | Retail life insurance customers. | Protection products premiums. | 19351 | 27 | Premiums and fees. | Fixed premium products. | Increasing awareness and protection need. | |
| Non Participating Pension | Non-participating pension products. | Scale in pension management. | Retirement customers. | Fund management efficiency. | 501 | 1 | Premiums and investment income. | Premium based. | Long-term retirement saving requirements. | |
| Linked Life Insurance | Unit linked insurance products combining insurance and investment. | Strong investment capabilities. | Retail sophisticated investors. | Fund management and administration fees. | 30239 | 42 | Premiums and fund management fees. | Management fees based on fund size. | Growing wealth management demand. | |
| Linked Pension | Unit linked pension plans. | Track record in pension funds management. | Long-term retirement investors. | Fund management fees. | 725 | 1 | Investment-linked premiums and fees. | Premium and fees. | Retirement planning preference for market linked returns. | |
| Linked Group Life and Pension | Group life and pension unit-linked products. | Large group contracts and servicing. | Corporate clients and groups. | Economies of scale. | 6488 | 9 | Group premiums and fees. | Premiums and administrative fees. | Corporate benefits and employee plans. | |
| Health Insurance | Health insurance products (linked and non-linked). | Brand and underwriting expertise. | Individuals and groups. | N/A. | 156 | 0 | Premiums. | Premium based. | Rising healthcare needs. | |
| Shareholders Segment | Shareholder's funds and income from surplus assets. | Strong financial position and solvency. | Shareholders. | Investment portfolio. | 730 | 1 | Investment income and income from operations. | Investment returns. | Asset growth and profitability improvements. | |
