There are many insurance companies that offer Life insurance and many others that offer Non-life (General) Insurance in Ghana.You can go to any of these insurance companies and take out insurance.Once you contact them, their staff will advise you on what they offer and what is best suited to your insurance need.Click to see the list of GIA accredited Life Insurance Companies and Non-Life (General) Insurance Companies.Insurance – Some Basic Steps

• Contact an insurance company, an insurance broker or an insurance agent
• Discuss your insurance needs with them.
• Think     about the options carefully and then choose the product(s) that meet(s) your needs
• Supply truthful information for the completion of the insurance contract documents
• Sign the insurance contractPay your premium
• Receive an insurance cover for the risk(s) you have insured.

When should you take Insurance?
Once you have life with its possible unwanted outcomes, it is advisable to take an insurance against such possible unwanted outcomes. Also, as soon as you acquire a property it is advisable to choose an insurance to cover the risk of damage or loss to the property. Again anytime you have liability to another person for any damage you may cause the person, it is advisable to insure the liability. For liability insurance in the form of third party motor vehicle, commercial building under construction and commercial buildings you are required by law to take out insurance as an owner.

Protecting your life and property should be an important part of your financial plan. Insurance protects you from financial problems resulting from damage or loss either to yourself or to your property. It is therefore important that you insure your life and property against any unanticipated accidents, damages or loss. You can take insurance to cover any of the following listed below:

• Death
• Accident
• Theft
• Fire
• Loss
• Damage
• Disability Health.

Broadly there are two kinds of insurance:Life Insurance which pays an insurance benefit when the person who is insured dies;Non-Life (General) insurance, which comes in many forms, including property, liability, disability, health and travel.

• Property Insurance provides protection against property damage and the insured is indemnified (compensated) if such damage occurs.
• Liability Insurance provides you with insurance protection if you are found to be liable for causing damage to someone’s health or property.
• Disability Insurance provides protection should you lose your ability to work and earn income, and pays you income if you are unable to work.
• Health Insurance covers certain medical expenses and prescription medications.
• Travel Insurance provides protection against certain adverse occurence during travel such as illness or even missed flights.