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.
The Congolese market collected about XAF 86 billion of premiums in 2024 according to FANAF's 2026 "Spécial Chiffres", across seven companies (5 non-life, 2 life). Its profile is atypical for the CIMA zone: cargo and transport (25%) and liability (24%) dominate, far ahead of motor (14%) — reflecting an economy built on Pointe-Noire's offshore oil, port logistics and large projects.
The DGIFN's 2021 market report counted 35 brokers, 27 general agents and 2 bancassurance banks, with penetration around 0.6% of GDP. Insurers gather in APSACO. Brokers' clientele is corporate first: oil and oil-services operators, logistics firms, construction, banks — with a second, retail market in Brazzaville and Pointe-Noire.
That structure makes the Congolese broker a commercial-risk technician more than a mass distributor; but the daily relationship with fleet managers, site captains and group HR teams also runs on WhatsApp.
Supervision sits with the Direction des Assurances, the technical arm of the DGIFN at the Ministry of Finance, under the regional oversight of the CIMA and its CRCA. A ministerial licence, financial guarantee and professional indemnity cover condition broking practice.
Article 13 of the CIMA Code applies: cover runs only once the premium is paid. On large accounts the 60-day exception for premiums above 80 times the annual minimum wage can operate — but never for motor, health or cargo, and only with a written commitment to pay.
Law 29-2019 of 10 October 2019 governs personal data and provides for a national commission (CNPD) whose effective installation remained to be confirmed at the last reports. Prudence dictates applying the law's principles now: consent for WhatsApp prospecting, security of IDs and staff lists, information duties, an internal processing register. Oil-sector clients, used to international standards, will demand it contractually anyway.
Between Brazzaville and Pointe-Noire, the Congolese broker straddles two worlds. Corporate: cargo insurance orders sent on WhatsApp with the bills of lading, staff endorsements for site health and accident covers, exchanges with fleet captains. Retail: motor quotes from a photo of the registration card, premiums paid via MTN MoMo or Airtel Money, PDF certificates.
Written French dominates; Lingala and Kituba appear in voice notes with individuals and drivers. Organised firms clearly separate corporate threads from retail ones, with labels and named handlers.
Local traps: covering a truck "first" because it leaves tonight and collecting "later" — a direct breach of Article 13 —, sending manifests and staff lists into open groups, forgetting that a Pointe-Noire client's number can switch from Airtel to MTN without notice, and neglecting archiving: on transport risks, the WhatsApp thread often serves as the logbook when a claim arises.
A Congolese brokerage uses ORIS to hold its two portfolios together: segments separate oil majors, SMEs and individuals, and every WhatsApp conversation attaches to the right record with its policies and due dates.
On the corporate side, the shared inbox guarantees that a cargo-order request received at 7 pm is visible to the whole team, not just the handler about to go on leave. On retail, motor reminders run on Meta-approved templates mentioning MTN MoMo or Airtel Money. The AI classifies replies and flags risks; audit logs build the audit trail that oil clients and the DGIFN expect. CSV export feeds the insurer bordereaux.
The Direction des Assurances of the DGIFN at the Ministry of Finance supervises the national market; the CIMA and its CRCA oversee regionally. Brokers must be licensed and appear on the official lists.
Law 29-2019 is in force but its supervisory commission was still being installed at the last reports. Apply its principles now: corporate clients, oil operators especially, require them contractually.
The economy is structured by offshore oil, the port of Pointe-Noire and its logistics: cargo, hull and liability account for close to half of non-life premiums, a profile unique in the CIMA zone.
MTN MoMo and Airtel Money cover most mobile payments, alongside bank transfer and cash at the branch. Require the transaction reference before issuing any certificate.
Shared WhatsApp inbox, client records, follow-ups and opportunities for the whole brokerage. 15-minute demo.
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.
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.
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.
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.
How a brokerage chases premiums due on WhatsApp: a 10-day, 3-day and overdue cadence, sample messages, Meta template rules and how ORIS organises the whole process.
From the first message to the bound policy: how a broker gathers information, sends a motor quote on WhatsApp, follows it up and keeps the record of advice.
How to run a brokerage renewal cycle on WhatsApp: the 60-day list, cover review, renewal terms, handling objections, confirmation and document delivery.
WhatsApp message template to warn a client ten days before their premium is due: debit order, Direct Debit and mobile money variants, from plain to formal tone.
Final WhatsApp reminder three days before an insurance premium is due: short text, one clear action, debit order, Direct Debit and mobile money variants for brokers.
WhatsApp template to chase an unpaid insurance premium without losing the client: unpaid debit order, failed Direct Debit, mobile money, policy-based lapse wording.