AXA Partners Asia-META & ACTIVA Group cooperate on Activ'Lady project supporting women entrepreneurs in African countries through a comprehensive insurance coverage including legal protection for their entire life safety.


Women in Africa reprensent 50% of the total population, produce 62% of the economic assets but 23% of the girls do not receive a primary education and only 8,5% of the overall women population are employed. Despite these challenges, Africa became over a few years the first continent in terms of women entrepreneurship: 27% of the women build their company in Africa, the highest rate in the world*.

AXA Partners signed a partnership with ACTIVA Cameroon as the first step of an agreement to be put in place later on in the other countries.

ACTIVA is one of the leading insurance companies which contributes to the development of Africa through an insurance group that operates throughout the region, leveraging its client-focused organization, its teams of qualified professionals and the efficient use of technology. ACTIVA Cameroon is the second insurance operator in the country.

In October 2019, sequel to a partnership signed between IFC (a member of the World Bank Group) and ACTIVA Group, Activa International Insurance Ghana (AIIG) officially launched the Activ'Lady Program to increase insurance coverage for women and women in business in Ghana first, then in other countries where ACTIVA affiliates operate. This program is part of the Women's insurance Program, being rolled out according to the main recommendations of the "She for SHIELD" report, with the purpose of "securing women to better protect society".

What is the purpose of the partnership?

ACTIVA and AXA Partners Asia-META offer comprenhensive insurance coverage that includes legal protection for women, supporting them in their business challenges and daily activities as well as in their private life. The women entrepreneurs have access to a legal platform where they can get useful business legal information according to their field of activity and local regulation, and also a legal accompaniment in case of litigation.

What is AXA Partners' input to this project ?

AXA Partners Business Line Legal Protection team has designed and implemented a solution that provides :

  • Unlimited access to a legal web platform that has been designed specifically for this partnership
  • Access to a database including templates for legal documents in French and English, for instance sales and rental contracts, sale agreements, real estate transfers etc.
  • Legal support on various professional and daily issues via lawyers.

What are the expectations from this initiative?

  • To increase insurance coverage among 2 million women in Africa by 2022.
  • After the launch in July 2021 in Cameroon, the project will be extended to Ghana, Democratic Republic of Congo and Ivory Coast.
  • The program is expected to have a triple effect, benefiting not only women in the respective countries but also the local communities, and increasing the insurance penetration in the country which currently stands at less than 2%.
  • Since September 2021, these guarantees are included in the renewal of the Motor portfolio.


(*Source : SheForShield Report, Sept. 2015)

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