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How to assess an insurer’s track record in Nigeria

An insurer’s history can show continuity, but Nigerian customers should also examine local licensing, solvency, policy wording, service, claims governance and complaint access.

What to check

Separate the global group’s history from the Nigerian entity’s obligations. Verify the local insurer with NAICOM and review the specific product contract.

What could change the answer

Prudential was founded in 1848, so a fixed ‘175 years’ label is now stale. Longevity is not evidence that a particular claim or return is guaranteed.

A practical next step

Use history as one due-diligence input, then make the decision on current local facts and the written policy.

Reviewed 2026-09-09