The questions
we hear every day.

Yes. Rock Insurance Brokers Ltd is licensed by the Pensions and Insurance Authority of Zambia (PIA).

We place cover with Hollard, Prudential, Madison, ZSIC and Sanlam. Our panel grows as we add lines.

MTN MoMo, Airtel Money, debit card, or bank transfer. You can pay in full or monthly on most products.

Motor claims: median 48 hours to first payment on approved claims. Funeral: within 24 hours. Health: cashless at network hospitals.

Yes. Monthly policies are cancellable any time. Annual policies get a pro-rata refund minus a small admin fee.

Under 3 minutes from paid. Straight to WhatsApp.

Yes — MoMo, Airtel Money, or debit order. Cancel anytime.

We can start the new cover the day yours expires. No overlap.

Standard 6-month waiting period on natural causes. Accidental cover is immediate.

Up to K100,000 per principal, depending on the plan tier.

WhatsApp the death certificate and a photo of your NRC. We take it from there.

Full panel across Lusaka, Copperbelt and Livingstone. List on the plan page.

Cosmetic surgery and self-inflicted injury are excluded. Everything else is on the plan.

Yes, up to age 75. A short medical questionnaire applies over 60.

Direct to the beneficiary's bank account or MoMo, within 5 working days of claim assessment.

Yes, without new medicals, at any renewal.

For homes above K1M sum insured, yes. We arrange a valuer, you pay only if you proceed.

Contents-only cover starts at K55/mo. No landlord permission needed.