• P.O.Box KN3425,Kaneshie-Accra,Ghana
  • info@insureghana.com
  • +233 (0) 20 9211 579 |+233 (0) 55 301 9383
  • info@insureghana.com

Empowering Your Business With M-Broker Software Application.

Empowering Your Business With M-Broker Software Application.

News Date: October 27, 2019

M-Broker 4.3.20 is an innovative Insurance Broking Management System that was specifically designed for the independent insurance broker or agent.

It is a complete management system designed to handle all aspects of running your insurance broking or agency  from tracking your policy renewals to working your expiration list and everything in between.

The software offers many distinguishing features that will provide accurate information for effective decision making leading to increase in efficiency and reduction in cost.The fully automated system tracks all the insurance brokerage transactions and ensures quick accurate reports activities, policy performance and profitability

By presenting all the information you need in a user-friendly format, M-Broker allows your users unlimited access to a client’s profile with just a click of a button.There are eight main modules;
  1. 1.Setups/Utilities Maintenance: (setting up initial parameters etc)
  2. 2.Client Maintenance: (Client details, contacts, referrals, industry etc)
  3. 3.Policy Maintenance: (Policy information)
  4. 4.Debit/Credit Processing: (Debits notes, credit notes, payments, outstanding)
  5. 5.Claims Maintenance: (Register a claim and its status)
  6. 6.Marketing Modules:(Schedules, Meetings and Tasks)
  7. 7.Reports: (All forms for decision making and ensuring higher visibilities into operations
  8. 8.Accounts (Revenue and Expenses, Customers, Suppliers,Payables , Receivables, Ledgers)'


Figure 7.0
The policy maintenance module helps with underwritings, setting up of policy details of a customer. M-Broker is easy to use so you stay organized and save time when searching for policy information.

Each customer record includes information such as name, address, line of business, company, policy number, Products, phone number, email address, effective and expiration dates and policy status. You can search for customers by these fields for quick access to payment histories and much more.

An end user can find a policy by a client name, client ID, policy number, vehicle number. Figure 7.0 above illustrate the form for finding a policy. Listings in red color means they have expired, green means due for renewals and black color means policies are in force 


This module helps to maintain claims reported by clients
  • Capture claims notified and issue a claim number;
  • Run report on outstanding claims and their status.
 Printable reports can be generated highlighting client-name, nature of loss, policy type, date of loss, date reported to broker, reported date to insurance company, amount lost, and status of the claim in addition to others. 


Monitor your production, income, and staff performance. Our numerous reports will give you the information you need to capitalize on valuable trends.

You can run reports to identify the number of new or renewed policies for a specified time frame, producer or line of business; monitor commissions received and outstanding, premiums written and commissions; track referral sources and many more.

The report module handles various reports and more can be added upon request to meet business demands for decision making. Production can be classified under premium generated, premium paid, premium outstanding, commission generated, commission received and commission outstanding




  • Improved brokerage management
  • Better revenue reporting
  • Quick Policy Reviews and Due date reminders
  • Reduced paper work and administration costs
  • Better Policy Cover management
  • Easy and Quick Business Reporting
  • User Performance Reporting



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General Questions

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.


  • The insured (policy holder)
  • The third party whose property has been damaged by our insured's vehicle
  • The injured victim
  • Administrators of a deceased estate
  • Parents/guardians in the case of minor.

Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance claim has its own specific claims procedure and conditions.Generally, when an accident occurs the insured should comply with the following :
  • Report to the police.
  • Contact your broker/insurer and fill the specific claim form.
  • Do not settle or negotiate to settle, admit or repudiate any claim without the consent of your broker/insurer.
  • Forward all relevant documentary evidence in respect of the loss.
  • Forward all claims, writs of summons or letters from third parties to your broker/insurer through insureghana.com.

1. If your vehicle was driven without your consent, order or permission.
2. When an unlicensed driver was driving
3. When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
4. Where there was a change of ownership on the vehicle without reference to us.
5. Using the vehicle whilst the driver was drunk.
6. Using the vehicle for unauthorized purposes.
A. Own damage
  • Report the loss to the insurer and fill the accident report form.
  • Attach a copy of the driver’s license.
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
  • Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
  • Police report would be required, depending on the circumstances leading to the loss.

B. Property damage claim
  • Letter of claim
  • Police Report
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle.
  • Provide driving license of the insured’s driver.
C. Injury cases·
  • Letter of claim
  • Police Report
  • Medical report
  • Original receipts of Medical Bill incurred (To justify the cost being claimed for)
  • Sworn Affidavit.
Two (2) passport-size pictures of the injured victim endorsed by the doctor who treated the victim.D. Deceased (death) cases
  • Letter of claim
  • Police Report
  • Death Certificate/Burial permit/Post-mortem report
  • Letters of Administration
  • Personal Particulars of the deceased
  • Sworn Affidavit
  • Endorsed passport size pictures of Administrators (two each).
In all cases, a discharge form which states the agreed quantum (amount) will be issued by the insurance company to the insured or claimant for execution and forwarded back to enable us process the cheque.

Under all insurance contracts, damages or losses incurred must be reported to the insurance company for the purpose of making a claim. In most cases a report must also be made to the police. Under a motor insurance for example, you must report any accident to the police as soon as it occurs to enable you to begin the processes for making insurance claims.Failure to report an accident can subject you to personal liability if the persons involved later find themselves to be injured and your insurance company denies the claims due to your failure to report the accident promptly.
This is what you are paid in the case of an accident or loss for which you have insured. Once you have entered into an insurance contract and paid your premium, you are entitled to compensation from the insurance company for any damage or loss suffered. The extent of compensation depends on the type of insurance.

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