Maghreb · CSA
Algeria
CSA, Ordinance 95-07, the ANPDP and Law 18-07: Algeria's market, its 2,000 tied agents and its brokers, and professional WhatsApp use around the agency.
North Africa
Maghreb · ACAPS
Morocco
ACAPS, Law 17-99, the CNDP and Law 09-08: Morocco's mature insurance market, bancassurance included, and how a licensed firm should run WhatsApp properly.
Maghreb · CGA
Tunisia
CGA, the 1992 Insurance Code, the INPDP and Law 2004-63: Tunisia's market, its 1,200 intermediaries and the right way to serve policyholders on WhatsApp.
West Africa
CIMA zone · WAEMU
Benin
CIMA Code, Direction des Assurances, APDP and the Digital Code, MTN MoMo and Moov Money: how a Cotonou brokerage runs its client work on WhatsApp.
CIMA zone · WAEMU
Burkina Faso
CIMA Code, Direction des Assurances, Law 001-2021 and the CIL, Orange Money and Moov Money: a WhatsApp playbook for a Burkinabè insurance brokerage.
CIMA zone · WAEMU
Côte d'Ivoire
The largest CIMA market, 340 broking firms, ARTCI and Law 2013-450, Orange Money and Wave: a compliance-minded WhatsApp guide for Ivorian insurance brokers.
ECOWAS · English-speaking
Ghana
NIC licensing, the Insurance Act 2021 (Act 1061), the Data Protection Act 2012, MTN MoMo: what an Accra brokerage needs on WhatsApp with ORIS.
Outside CIMA · ECOWAS
Guinea
Guinea sits outside the CIMA: 2016 Insurance Code, BCRG supervision, premiums in GNF, Orange Money and MTN MoMo. A WhatsApp guide for Conakry brokerages.
CIMA zone · WAEMU
Mali
CIMA Code, the Treasury's insurance division, Law 2013-015 and the APDP, Orange Money and Sama Money: how a Malian brokerage organises client work on WhatsApp.
CIMA zone · WAEMU
Niger
CIMA Code, the DCA at the finance ministry, Law 2022-59 and the HAPDP, Airtel Money and Zamani Cash: the WhatsApp routine of a brokerage in Niamey.
ECOWAS · English-speaking
Nigeria
NAICOM, NIIRA 2025, NCRIB, no premium no cover, the NDPA 2023 and NDPC, bank transfers and USSD: what a Lagos brokerage needs to organise WhatsApp with ORIS.
CIMA zone · WAEMU
Senegal
CIMA Code, Direction des Assurances, Law 2008-12 and the CDP, Wave and Orange Money: what a Senegalese brokerage must know to run client work on WhatsApp.
CIMA zone · WAEMU
Togo
CIMA Code, Direction des Assurances, Law 2019-014 and the IPDCP, Mixx by Yas and Flooz wallets: what a Lomé brokerage must organise on WhatsApp.
Central Africa
CIMA zone · CEMAC
Cameroon
The largest CIMA market in Central Africa: DNA supervision, CIMA Code, the 2024 data law, MTN MoMo and Orange Money. A WhatsApp guide for Cameroonian brokers.
CIMA zone · CEMAC
Chad
Chad: the finance ministry's DNA, CIMA Code, Law 007/PR/2015 and ANSICE, Airtel Money and Moov Money. Working as a broker on WhatsApp in N'Djamena.
CIMA zone · CEMAC
Congo-Brazzaville
Congo-Brazzaville: DGIFN supervision, CIMA Code, data law 29-2019, MTN MoMo and Airtel Money. A WhatsApp guide for brokerages in Brazzaville and Pointe-Noire.
Outside CIMA · ARCA market
Democratic Republic of the Congo
DR Congo: ARCA, the 2015 Insurance Code, six compulsory covers, the 2023 Digital Code, M-Pesa and Airtel Money. A WhatsApp guide for Congolese brokerages.
CIMA zone · CEMAC
Gabon
Gabon, home of the CIMA: DNA supervision, Law 001/2011 as amended, the APDPVP, Airtel Money and Moov Money. How a Libreville brokerage works on WhatsApp.
East Africa
East African Community (EAC) · COMESA
Kenya
IRA licensing, the cash-and-carry rule, the Data Protection Act 2019 and ODPC, M-Pesa Paybill: what a Kenyan brokerage needs on WhatsApp with ORIS.
East African Community (EAC) · COMESA
Rwanda
BNR supervision, Law 030/2021, Law 058/2021 on data and the NCSA, MTN MoMo and Airtel Money: what a Kigali brokerage needs to organise WhatsApp with ORIS.
East African Community (EAC) · SADC
Tanzania
TIRA registration, the Insurance Act Cap. 394, the Personal Data Protection Act 2022, M-Pesa and Mixx by Yas: a Tanzanian brokerage's guide to WhatsApp.
East African Community (EAC) · COMESA
Uganda
IRA Uganda, the Insurance Act 2017, the Data Protection and Privacy Act and PDPO, MTN MoMo: what a Ugandan brokerage needs on WhatsApp with ORIS.
Southern Africa
SADC · Portuguese-speaking
Angola
ARSEG, Law 6/24 on mediation, Law 22/11 and the APD, Multicaixa Express: what an Angolan mediador or corretor needs to run WhatsApp with ORIS.
SADC · SACU
Botswana
NBFIRA, the Insurance Industry Act 2015, the Data Protection Act 2024 and a pula not pegged to the rand: what a Botswana brokerage needs on WhatsApp.
SADC · Common Monetary Area (CMA)
Eswatini
FSRA licensing, the Insurance Act 2005, the Data Protection Act 2022, MTN MoMo and debit orders: how an Eswatini brokerage runs WhatsApp with ORIS.
SADC · Common Monetary Area (CMA)
Lesotho
Central Bank of Lesotho, the Insurance Act 2014, M-Pesa and EcoCash, funeral cover: what a Maseru brokerage should know before WhatsApp with ORIS.
SADC · Portuguese-speaking
Mozambique
ISSM, the new insurance legal regime, no data-protection act yet, M-Pesa and e-Mola: the essentials for a Mozambican corretor on WhatsApp with ORIS.
SADC · Common Monetary Area (CMA)
Namibia
NAMFISA, FIMA in force since May 2026, NamPay debit orders and no data-protection act yet: the facts a Namibian brokerage needs before moving to WhatsApp with ORIS.
SADC · Common Monetary Area (CMA)
South Africa
FSCA, FAIS, POPIA, debit orders and funeral cover: what a South African brokerage must get right before rolling out WhatsApp, and how ORIS fits the market.
SADC · COMESA
Zambia
PIA licensing, the Insurance Act 2021, the Data Protection Act 2021, MTN MoMo and Airtel Money: what a Zambian brokerage needs on WhatsApp with ORIS.
SADC · COMESA
Zimbabwe
IPEC rules, the POTRAZ data controller licence, ZiG and the US dollar, EcoCash and USD cash: what a Harare or Bulawayo brokerage needs to work on WhatsApp with ORIS.
Indian Ocean
Indian Ocean · CSBF
Madagascar
Law 2020-005, CSBF supervision, data law 2014-038, MVola and Orange Money: what an Antananarivo brokerage should know to run client work on WhatsApp.
SADC · COMESA · Indian Ocean Commission
Mauritius
FSC licensing, the Insurance Act 2005, the Data Protection Act 2017 and DPO, MCB Juice: what a Mauritian brokerage needs before WhatsApp with ORIS.
Western Europe
European Union · IDD
Belgium
Insurance broking in Belgium: FSMA registration, the Insurance Act of 4 April 2014, AssurMiFID rules, the APD/GBA and how brokers use WhatsApp. What ORIS changes.
European Union · IDD
France
Insurance broking in France: ORIAS registration, ACPR supervision, IDD, CNIL and the duty to advise. What a brokerage must respect on WhatsApp and what ORIS changes.
European Union · IDD
Germany
Insurance broking in Germany: Section 34d GewO licence, the DIHK register, BaFin, VVG, DSGVO and how Makler use WhatsApp. What ORIS changes for a German brokerage.
European Union · IDD
Ireland
Insurance broking in Ireland: Central Bank of Ireland, Consumer Protection Code 2025, IDD Regulations, the DPC and how brokers use WhatsApp. What ORIS changes.
European Union · IDD
Luxembourg
Insurance broking in Luxembourg: CAA authorisation, the Law of 7 December 2015, the CNPD, multilingual and cross-border clients. What ORIS changes for a brokerage.
European Union · IDD
Netherlands
Insurance advice in the Netherlands: AFM licence, Wft, the commission ban, Autoriteit Persoonsgegevens and how adviseurs use WhatsApp. What ORIS changes.
Switzerland · FINMA
Switzerland
Insurance broking in Switzerland: FINMA register of untied intermediaries, revised ISA, ICA, the new FADP and WhatsApp habits. What ORIS changes for a Swiss broker.
United Kingdom · FCA
United Kingdom
Insurance broking in the UK: FCA authorisation, ICOBS, Consumer Duty, UK GDPR and PECR, premium finance and how brokers use WhatsApp. What ORIS changes for a firm.
Northern Europe
European Union · IDD
Denmark
Insurance broking in Denmark: Finanstilsynet, the commission ban, Datatilsynet, MobilePay, and WhatsApp's real place among Danish clients. What ORIS changes.
European Union · IDD
Sweden
Insurance broking in Sweden: Finansinspektionen, Act 2018:1219, IMY, försäkringsförmedlare, Swish and autogiro, and WhatsApp's real place. What ORIS changes.
Southern Europe
European Union · IDD
Italy
Insurance broking in Italy: the RUI register and IVASS, the Private Insurance Code, Regulation 40/2018, the Garante, brokers versus agenti. What ORIS changes.
European Union · IDD
Portugal
Insurance broking in Portugal: ASF register, Law 7/2019, the CNPD, corretores and agentes, Multibanco and MB WAY payments, WhatsApp in daily use. What ORIS changes.
European Union · IDD
Spain
Insurance broking in Spain: DGSFP register, Royal Decree-Law 3/2020, AEPD and LSSI, corredores versus agentes, WhatsApp as the default channel. What ORIS changes.