Harare, Zimbabwe — [1 July 2026] — Zimnat General Insurance is pleased to announce that GCR has affirmed its National Scale Financial Strength Rating of AA+(ZW) and revised the Outlook to Stable.

The affirmation is an important vote of confidence in the strength, discipline and stability of the business. For clients, brokers and partners, it provides added assurance that the promises made by Zimnat General Insurance are supported by a business built on sound financial foundations.

Confidence Behind the Insurance Promise

Commenting on the milestone, Hazel Nyamuba, Chief Executive Officer of Zimnat General Insurance, said:

“Insurance is a promise made before it is needed. This rating gives our clients, brokers and stakeholders added confidence that there is real strength behind that promise. It is also a proud reflection of the discipline, consistency and care our teams bring to the work they do every day.”

The revised Stable Outlook reinforces confidence in Zimnat General Insurance’s ability to continue supporting customers, strengthening broker partnerships and delivering dependable insurance solutions for individuals and businesses.

“This milestone belongs to everyone who continues to build trust in our business our employees, brokers, clients and partners,” Mrs Nyamuba added. “We remain committed to earning that trust through strong service, responsible underwriting and a continued focus on helping our customers protect what matters.”

ENDS

For media enquiries, contact:

Tatenda Marongwe
Group Marketing and PR Executive
Zimnat Group
marongwet@zimnat.co.zw

The post Zimnat General Insurance Rating Affirmed at AA+(ZW) appeared first on Zimnat Insurance Group.

Who Ate All This Rice?

A funeral, one empty pot, and the expensive lesson the Mambudzi family did not see coming

When Auntie Rudo found the empty pot, the Mambudzi funeral stopped being a funeral and became an investigation.

She stood behind the catering table with one hand on her waist and the other holding a serving spoon like a police exhibit. In front of her was a 20-litre pot that, just moments earlier, had been full of rice. Not ordinary rice. Rice with status. Rice that had arrived at the funeral in stainless steel catering dishes, carrying the full ambition of a family that wanted the entire ghetto to know that zvavo zvakarongeka.

Now the pot was empty.

Not low.

Empty.

Three grains sat at the bottom, looking traumatised.

Auntie Rudo lifted the lid and checked again, as if perhaps the rice had hidden underneath itself. Then she turned slowly towards the tent, where mourners were eating with the deep concentration of people who had suddenly remembered that grief requires a second helping.

“Who,” she asked, her voice calm in a dangerous way, “ate all this rice?”

At the gate, Uncle Jabu froze. His plate was carrying a mountain of rice, two pieces of chicken, salad, and the kind of soup arrangement that required engineering approval.

“This is not mine,” he said quickly.

Auntie Rudo stared at him.

“Whose is it?”

“For Gogo.”

“Why is Gogo’s rice mounted on two drumsticks when she can’t chew?”

Uncle Jabu looked at the sky, hoping an ancestor would testify on his behalf.

None came.

The meeting where rice became policy

To understand how the Mambudzi family got there, one must go back to the planning meeting, where all bad ideas begin politely.

Three days earlier, Uncle Jabu had stood in the lounge and announced that the funeral would not be handled “like those other funerals.”

“What other funerals?” Gogo asked.

“You know,” he said, waving his hand in the direction of society. “Those funerals where people are just moving around with buckets and someone is shouting, ‘Who has seen the plates?’”

Auntie Rudo narrowed her eyes. “That is called community.”

“No,” said Jabu. “This time, we do catering. Proper catering. Uniforms. Stainless steel. Rice. Chicken. Salad. Bottled water.”

At “bottled water,” Gogo removed her glasses.

“Bottled water? At a funeral? Jabu, even sorrow can drink council water.”

But Uncle Jabu had already entered the dangerous spiritual condition known as wanting the ghetto to see. He had seen the mourners arriving, looking around, whispering, “Ah, the Mambudzis have arrived.” He had imagined the neighbours reporting that even in grief, the family had tablecloths.

“What is wrong with sadza?” Auntie Rudo asked.

Jabu smiled with the confidence of a man about to insult a national institution.

“Sadza is too ordinary.”

The room went cold.

Gogo leaned forward. “My son, sadza reparufu is not ordinary. Sadza is technology.”

“Technology?”

“Yes. Crowd-control technology. Budget-control technology. Hunger-management technology. Sadza enters the stomach and tells appetite, ‘This meeting is adjourned.’”

Auntie Rudo nodded. “Sadza has discipline.”

But Jabu had been seduced by rice. Rice looked modern. Rice looked premium. Rice looked like progress. So the family agreed, not because they believed him, but because he had already paid the caterer a deposit — and in Zimbabwe, many mistakes become policy once money has left the account.

The day the ghetto noticed

On the day of the funeral, the ghetto noticed immediately.

The catering team arrived in matching shirts and shiny confidence. By ten o’clock, neighbours were passing by “just to greet.” By eleven, someone had reported that the Mambudzis were serving rice. By midday, attendance had improved mysteriously.

Some people came to mourn. Some came to support the family. Some came because death reminds us of community. And some came because someone had whispered, “Ikoko kune catering.”

At first, Uncle Jabu was triumphant.

“You see?” he told Auntie Rudo. “Standards.”

Then people started coming back to the serving table.

Once.

Twice.

A third time with different body language.

Rice, the Mambudzis soon discovered, is not like sadza. Sadza arrives on a plate like a senior relative. You respect it. You negotiate with it. You know when you are defeated. Rice, however, behaves like a snack in formal wear. People eat it, stand up, discuss exchange rates for four minutes, and return convinced they have not eaten properly.

By 2:47pm, the pot was gone.

Then, as if the day had not been humbled enough, a bus from Mutare arrived.

It was full in the Zimbabwean sense of the word: relatives, half-relatives, neighbours of relatives, and one man nobody knew but who greeted everyone with the confidence of a person who had attended the family tree personally.

The first question from the bus was immediate.

“Pane zvekudya here?”

Auntie Rudo looked at the empty pot. Uncle Jabu looked at the caterer. The caterer looked at the invoice. Gogo looked at Uncle Jabu with the expression of a woman watching prophecy fulfil itself.

No one said it, but everyone heard it:

Sadza would not have done this to us.

More rice had to be bought. Then more relish. Then more plates, because the first plates had disappeared with people who were “coming back just now.” Then extra chairs. Then airtime for the chair man. Then fuel for the chair man, who was “almost there,” meaning he was still at home looking for socks. Then transport money for someone who had come to comfort the family but now needed comforting with bus fare.

The rice was not the problem

By sunset, nobody was asking who ate the rice anymore.

The rice was not the problem.

The rice was the whistleblower.

It had exposed the hidden economy of a funeral: the food, transport, fuel, airtime, extra people, return fares, family obligations and small emergencies that arrive without warning and demand to be paid immediately.

The Mambudzis had prepared for the visible event. They had not prepared for everything the event would drag behind it.

That is where funeral cash cover matters.

A funeral services arrangement may help with the rites and logistics of burial. Those are important. But families often need money in hand for the surrounding pressure: the food, movement, relatives, urgent extras and practical costs that do not sit neatly inside the ceremony.

A funeral cash plan such as Gadziriro/Lungiselelo is designed for that immediate mess, helping a family manage the financial pressure around the farewell, not only the formal act of saying goodbye.

Then life arrives with its own plate

Later that evening, after Uncle Jabu had been accused six more times of eating with executive appetite, Gogo called the family under the tree.

“The rice has embarrassed us,” she said. “But it has also educated us.”

Jabu opened his mouth.

Gogo raised a finger.

He closed it.

“Today we thought the problem was food. Then we realised the problem was planning. But listen carefully: after the tent comes down, another bill arrives. Life.”

The yard became still.

“School fees will come. Rent will come. Groceries will come. Debt will come. Children will still grow. The household will still need money. The person we have lost may be gone, but the life they helped carry will continue.”

And there, in the quiet after the comedy, the real lesson stood up.

Funeral cover helps with the immediate pressure around the farewell. Life insurance helps with the longer pressure after the farewell, when the family must continue without the person they depended on.

One helps when people gather.

The other helps after they leave.

Looking organised is not the same as being prepared

The next morning, Uncle Jabu sent a message to the family WhatsApp group.

“Good morning family. Yesterday I learnt that looking organised and being prepared are not the same thing.”

Three people left the group immediately.

The cousin in the UK muted it until 2099.

Auntie Rudo replied, “If this is about contributions, start with yourself.”

Jabu typed for a long time.

“No. I mean we need proper planning. Funeral cash cover for the immediate costs. Life insurance for the life after. We cannot keep using rice committees as financial strategy.”

Gogo replied, “Correct.”

Then, after a pause, she added, “Also, Jabu ate the rice.”

The group exploded.

Jabu protested until lunch.

Nobody believed him.

And that is how the Mambudzi family became famous in the ghetto. Not for the catering. Not for the tablecloths. Not even for the bottled water that Gogo still considered an insult to common sense.

They became famous for the rice.

But beneath the laughter, the lesson stayed: sometimes the visible cost is only the thing that exposes the real cost.

And sometimes the question is not really, “Who ate all this rice?”

It is: who told us rice was the only thing to count?

Plan for the farewell. Plan for the life after.

Funeral cover and life insurance are not the same thing. Funeral cover helps with the immediate costs and pressure around the farewell. Life insurance helps protect the family’s financial future after the farewell.

With Gadziriro/Lungiselelo, families can plan for the immediate financial demands that come with a funeral.

With Security Plan and LifeCare, families can think beyond the day people gather, and plan for the life that continues after everyone has gone home.

Because sometimes the real cost is not the rice.

It is everything the rice reveals.

Still wondering what cover does what?

The post Who Ate All This Rice? appeared first on Zimnat Insurance Group.

Children at Harare Children’s Home were reminded that their future is not defined by their circumstances, following a mentorship and donation visit by diversified financial services group Zimnat, in collaboration with Nisha Ts.

The engagement combined practical support with mentorship and encouragement, aimed at helping the children build confidence, resilience and readiness for life beyond institutional care. More than a donation, the visit created space for conversations around self-belief, discipline, personal responsibility and the courage to pursue one’s aspirations.

At the heart of the initiative was a mentorship session led by Nisha Ts, who encouraged the children to develop a strong work ethic, set goals and make informed decisions as they prepare for greater independence. The session also explored practical life skills and social readiness, helping the children understand the importance of approaching the future with confidence and purpose.

Zimnat complemented the mentorship session with a donation of groceries to support the home’s day-to-day needs. The contribution formed part of Zimnat’s continued relationship with Harare Children’s Home, following previous support in 2023 when the Group donated school uniforms after a fire affected parts of the institution.

Commenting on the initiative, Zimnat General Insurance Chief Executive Officer, Hazel Nyamuba, said the engagement reflected Zimnat’s broader commitment to empowering prosperity within the communities it serves.

“For Zimnat, empowering prosperity goes beyond financial services. It is about helping people move forward with dignity, confidence and opportunity. True prosperity is built when people are given not only practical support, but also the knowledge, encouragement and belief they need to shape a better future,” she said.

Zimnat Group Marketing Executive, Tatenda Marongwe, said the initiative carried even deeper significance as Zimnat celebrates its 80th anniversary this year.

“As we mark 80 years of empowering prosperity, we are reminded that legacy is not only measured by how long an organisation has existed, but by the lives it continues to touch. Supporting children as they build confidence for the future is one of the most meaningful ways we can live our purpose,” she said.

Harare Children’s Home is one of Zimbabwe’s longest-standing child care institutions. Established in the early 1920s in response to a flu epidemic and economic hardship that left several children without family support, the home has provided care, education and a sense of belonging to vulnerable children for generations. Now located in Eastlea, it has capacity for over 100 children and continues to rely on community and corporate support to meet its needs.

The collaboration between Zimnat and Nisha Ts was a reminder that empowerment must speak to both immediate needs and long-term potential. Groceries helped meet the needs of today, while mentorship helped strengthen the confidence required for tomorrow.

For the children, the visit offered reassurance that they are seen, valued and capable of shaping their own future. It reminded them that their dreams remain valid, their abilities can be nurtured, and their journey ahead can still be filled with purpose.

Zimnat is a diversified financial services group with interests in life assurance, short-term insurance, microfinance and asset management. The Group is a member of Masawara Holdings Group.

The post Zimnat and Nisha Ts Inspire Children at Harare Children’s Home appeared first on Zimnat Insurance Group.

Masawara Investments Mauritius Limited (“MIML”) today announced a change in its shareholding structure following the completion of a strategic equity transaction.

Sanlam Allianz Africa Proprietary Limited (“SanlamAllianz”) has divested its 40% shareholding in MIML. The shares have been acquired by Raindere Investments (Proprietary) Limited (“Raindere”), which now holds a 40% equity interest in MIML. The majority shareholder, Masawara Holdings Mauritius Limited (MHML), retains its shareholding and continues in its leadership and governance role.

SanlamAllianz commented on the development:

“We have a strong relationship with Masawara and have always been very positive about the quality of management in the Group. Following the launch of the SanlamAllianz Joint Venture, we have decided to pave the way for Masawara to introduce new shareholders, while we focus on our other markets.”

This transaction forms part of MIML’s long-term strategy to strengthen its capital base, broaden its partnerships, and position the Group for its next phase of growth across its core markets.

Continuity and Stability

• No operational changes will occur as a result of the transaction.
• The Group’s leadership, management teams, and governance structures remain unchanged.
• MIML continues to execute its strategy and commitments across all subsidiaries and investments.

Strengthening the Group’s Strategic Position

The addition of Raindere as a shareholder brings:

• Enhanced capacity for future investment;
• Increased access to sector expertise and regional networks; and
• Added depth to the Group’s long-term strategic initiatives.

Raindere Chairperson Chengetai Chikwanha added:

“We are proud to join Masawara at this pivotal moment. Successful investments are anchored in innovation, foster inclusion, and deliver customer-centric financial solutions powered by technology.”

These added capabilities will support MIML’s ambition to drive sustainable growth, deliver value to stakeholders, and strengthen the performance of the businesses within the Group.

Appreciation to SanlamAllianz

MIML extends its appreciation to SanlamAllianz for its contributions during its tenure as a shareholder and for its partnership in supporting the Group’s development to date.

Masawara also expressed its gratitude, with Group CEO Shingai Mutasa stating:

“This strategic realignment positions Masawara to take its portfolio to the next level. We are excited to partner with Raindere, whose vision aligns with our ambition to create enduring value for Africa.”

Looking Ahead

The Board and majority shareholder MHML welcome Raindere to the MIML shareholder base and look forward to collaborating in pursuit of the Group’s strategic priorities.

For further information, please contact: batsirai@masawara.com

The post Change in Shareholding At Masawara Investments Mauritius Limited appeared first on Zimnat Insurance Group.

In Zimbabwe’s evolving investment landscape, trust is both our greatest strength and our biggest risk.
Every day, small acts of trust keep the economy moving  from the kombi ride to the corner grocery. You hand over a US $1 note; the conductor gives you ZiG change without counting. You don’t check. Tomorrow, you’ll use the same notes for another ride. It’s an unspoken system built on habit and familiarity and it works because we’ve all kept our side of the bargain.

But as Zimnat Asset Management we believe the same reflex that keeps our streets running can quietly undo us when the stakes are financial. True prosperity demands that the same confidence we show in daily life be matched by verification when our money is at work

When Everyday Trust Becomes Costly

Post-COVID, many people found themselves rebuilding from scratch.
Side hustles multiplied. Savings circles grew. WhatsApp groups became the new financial frontier. The intention was honest to make money work harder. But some of these ventures traded on our instincts to believe the familiar.

The neighbour who once sold groceries now “trades forex.” A friend invites you to a “short-term investment club.” Someone shares screenshots of payouts that look convincing enough.

And just like that, trust becomes currency until it costs us.

Fast Returns Are the First Red Flag

Real investments take time because they’re bound by process audited, regulated, and reviewed. There’s paperwork, oversight, and sometimes delays. That’s what makes them safe.

Scams, on the other hand, rely on speed. They want you to act before you think.
They promise “guaranteed” returns, create fear of missing out, and flash early-bird success stories to draw you in.

If profits appear faster than they can logically grow, that’s not efficiency, it’s engineering.

Five Simple Checks That Protect You

1. Confirm the licence. Always verify with the Securities and Exchange Commission of Zimbabwe (SECZ) or relevant regulator.
2. Interrogate the returns. If the numbers look too good, they probably are.
3. Watch the structure. If earnings depend on recruiting others, it’s a pyramid scheme.
4. Insist on documentation. Legitimate investments leave a paper trail, not just a chat thread.
5. Know the law. The Environmental Management Agency (EMA) has banned unregulated alluvial mining sponsorships. “Helping miners” can expose you to penalties, not profits.

Why Trust Needs Boundaries

Trust is a social strength; it keeps communities alive. But in finance, trust without verification becomes vulnerability.
It’s not cynicism to ask questions; it’s stewardship.
Responsible investors don’t assume; they confirm.

The same confidence that lets us pass a kombi conductor change without counting should be matched by discipline when the stakes are higher.

Accountability Is the New Confidence

Safe investing isn’t fast, but it’s firm.
It means your money is managed by licensed professionals, held by custodians, and governed by transparent reporting. It’s the kind of system that lets you sleep at night and plan years ahead.

That’s what genuine prosperity looks like not luck, not shortcuts, but structure.

Trust is one of Zimbabwe’s most valuable currencies. We live by it, trade through it, and rebuild with it.
But when it comes to investing, trust should never travel alone. Pair it with verification, and your faith becomes protection.

Because in finance, the price of blind trust is always higher than the promise of fast returns.

About Zimnat Asset Management

Zimnat Asset Management is a licensed investment manager under the Securities and Exchange Commission of Zimbabwe. It is a member of the Masawara Holdings group of companies. We advocate for transparent, accountable investing that protects and grows the wealth of Zimbabweans who choose to plan with care and confidence.

The post The Price of Trust appeared first on Zimnat Insurance Group.

It started with a voice note.

“Guys, I think Mai Tadiwa has blocked me.”

Then silence.

It was a Friday.

The group chat was supposed to light up with fire emojis and “Mari yapinda!” messages. For three months, the group had been buzzing. A savings club of 17 women, pooling money every Friday. It was Chipo’s turn to receive the payout $250 from each of the 17 women in the WhatsApp savings club. She had already told her landlord she’d pay rent that afternoon.

But the treasurer, Mai Tadiwa, didn’t send the money.

She didn’t reply to messages.

She didn’t answer calls.

No one saw it coming. But everyone felt it.

By Sunday, her WhatsApp profile photo was gone. Her number was unreachable. And the group chat, once filled with laughter, prayer requests, and daily hustle updates went dead silent.

The group had started innocently. A few women from the same church, some from the same kombi route, others who met at the market. They called it “Sisterhood Savings.” No constitution. No receipts. Just trust.

Each week, they had contributed. Each week, someone got their payout. Until Mai Tadiwa held the pot!

She held it for three weeks.

Then she vanished.

Chipo borrowed money to pay rent. Rumbidzai, who had planned to buy stock for her tuckshop, had to cancel her order. One woman cried in the group chat. Another cursed. A few left the group.

But most stayed. Not because they believed Mai Tadiwa would return. But because they didn’t know what else to do.

This isn’t just one group. It’s thousands.

Across Zimbabwe, informal savings clubs maround, stokvels, WhatsApp mukando are the backbone of community finance. They’re built on trust, speed, and the belief that “we know each other.”

But when they collapse, there’s no regulator. No insurance. No refund.

Just silence.

The Safer Way Forward

Zimbabwe has institutions designed to protect your money:

• IPEC ensures your insurance policy pays out when life hits hard.
• DPC guarantees your bank savings, even if the bank folds.
• SECZim regulates investments so your money doesn’t vanish into a pyramid.

These aren’t just acronyms. They’re shields. They’re the difference between a setback and a collapse.

After the group loss, some members stopped saving altogether. Others joined new rounds, hoping for better luck. But Chipo did something different.

She walked into a Zimnat branch.

She asked questions. She opened a Unit Trust account. She bought a funeral policy. She started saving not just with hope, but with structure.

“I still believe in people,” said one. “But now I also believe in systems.”

If you’re in a savings group, ask: Is it registered? Is it protected? Is there a paper trail?

Because when the money disappears, screenshots won’t save you.

If you’re saving money, planning for your kids, investing in your hustle, do it with protection. Do it with receipts. Do it with regulators who answer when things go wrong. Because the day the WhatsApp group goes quiet, you’ll want more than trust. You’ll want a trail.

The post She Vanished with $4,250, And the WhatsApp Group Went Dead Silent appeared first on Zimnat Insurance Group.

You wake up on a Monday morning. Payday just hit. You feel rich. You buy airtime, grab a taxi, and treat yourself to lunch. By Wednesday, your account is whispering, “Who?”

The truth is: your money isn’t gone because you’re careless. It’s vanishing quietly, in plain sight, while you scroll, laugh, or say “just this once.” That $0.50 drink? Freedom leaking. The $5 taxi ride? Dreams evaporating. That casual “I’ll sort you this month”? Your future is quietly giving up its seat.

The Invisible Drain

Most money leaks are invisible. You think your salary is gone to bills, but it’s the “small sins” you never track: daily indulgences, autopay subscriptions, favors to friends. Every unexamined choice chips away at control, slowly scripting your financial story.

Here’s the kicker: money isn’t being stolen, it’s doing exactly what you’ve trained it to do, disappear!

The Habits You Don’t See

Zimbabweans navigate a unique financial landscape. Informal lending circles, merry-go-rounds, and ad-hoc support networks dominate everyday life. They provide short-term relief but long-term control? Not so much. According to the Reserve Bank of Zimbabwe 2023 Financial Literacy Report, despite high academic literacy, most Zimbabweans lack practical financial awareness. Many never see the invisible leaks until it’s too late.

Shift Your Mindset, Without Feeling Like You’re Budgeting

Forget lectures. Forget lists. Start tiny:

• Notice one invisible stream this week. Just see where it flows.

• Ask the silent question: Does this spend serve tomorrow or just soothe today?

• Pause before your next automatic spend. Two seconds of awareness rewires behavior.

Small attention compounds. Slowly, the river of your money stops flooding the wrong fields.

Investment Is Invisible, And Powerful

Investment isn’t a product. It’s a mindset. Awareness is the first step. Every tiny habit you notice, every invisible stream you redirect, becomes an option for tomorrow. Real options. Freedom. Choice. You already have the tools. Awareness, courage, curiosity. Each tiny change multiplies silently into possibilities most people never see coming.

Rewriting Your Story

Being broke isn’t destiny. It’s a chapter and chapters can be rewritten.

Your money has been running your life without permission. But once you see the patterns, the invisible streams, the quiet leaks…you’re no longer a victim. You’re the author of your currency of hope. Awareness isn’t judgment. It’s control. Pause. Notice. Choose. Slowly, deliberately, consciously.

Because hope isn’t a feeling. It’s behavior. And behavior is the richest currency you can carry.

Let’s Walk With You

You’ve seen the leaks. You’ve felt the quiet drain. You’ve paused long enough to notice, and that’s the beginning of power.

But awareness alone isn’t enough. You need a partner. A guide. A system that doesn’t just hold your money but helps it grow, protect, and serve your future.

Zimnat Asset Management isn’t just about investments. We’re about intentional living. We help you turn invisible habits into visible progress. Whether you’re starting small or planning big, we walk with you—step by step, stream by stream—towards a future designed with purpose.

Ready to rewrite your financial story?

Let’s turn your currency of hope into a portfolio of possibilities.

Visit Zimnat Asset Management or WhatsApp us on 0772 175991  to start your journey today

Because your future deserves more than survival. It deserves strategy. It deserves Zimnat.

The post Money Isn’t the Problem. You Are appeared first on Zimnat Insurance Group.

 by
Sharon Bhunu

When many Zimbabweans hear “life assurance,” their minds jump to a funeral tent in the rural homestead, sad music playing softly in the background, and cousins you last saw at your aunt’s lobola/ roora ceremony.

But life assurance is not just about death; it’s about dignity, preparation, and protecting your family’s future.

In a country like Zimbabwe, where economic shifts are constant and the unexpected is part of daily life, life assurance is one of the smartest long-term financial decisions you can make. It’s not just a safety net, it’s peace of mind wrapped in a plan. Whether you’re planning to buy property, educate your children, or retire comfortably, life assurance helps you protect, grow, and transfer your wealth. In this article, we’ll show you exactly how life assurance fits into your long-term financial strategy and why it might be the most underrated investment you’ll ever make.

1. To protect the people you love most

Whether you’re the breadwinner, a single mum juggling it all, or the gogo who keeps things running at home, your family leans on your support, your income, your love.

Life assurance steps in when life takes an unexpected turn. It’s how you make sure your family continues to stand tall, even when you’re no longer there to provide.

Keeps food on the table, school fees paid, and the lights on
Settles debts like car loans or home mortgages
Protects your children’s lifestyle and dreams from being cut short

This isn’t just cover. It’s a continuation of your care.

2. To handle funeral expenses with dignity

Funerals are often expensive and immediate. Without a plan, families are often left scrambling: borrowing money, setting up GoFundMe pages, or making painful compromises at an already difficult time.

That’s why life assurance matters. It gives your loved ones the means and the dignity to say goodbye properly.

With the Zimnat Gadziriro Funeral Cash Plan, you can ensure that when the time comes, your family won’t be burdened; they’ll be prepared.

Cover that brings peace of mind
Support that honours your life and legacy
Plans that suit every budget

Get a quote today: Gadziriro/Lungiselelo Funeral Cashplan

3. To build generational wealth

Think life assurance is only a safety net? Think again. It’s also one of the smartest ways to create generational wealth.

Your life assurance (Security Plan) payout can:
– Help your children start a business or buy a home.
– Fund university education for grandchildren.
– Break the cycle of poverty in your family line.

4. To supplement your retirement plan

Most Zimbabweans don’t have formal pensions, and those who do often find them insufficient. Life assurance plans like the Tsapi Personal Pension Plan and whole life policies can include a savings or investment portion that you can access later in life.

Think of it as:

• A personal backup pension
• A way to retire with financial freedom
• Emergency funds for your golden years

5. To prepare for Life’s curveballs

Life can change in the blink of an eye. A sudden illness, retrenchment, or accident can turn your world and your wallet upside down. That’s why some life assurance policies go beyond the funeral. With built-in critical illness or disability cover, they offer support while you’re still alive, when you need it most.

A financial cushion during your most vulnerable moments
Help with medical bills, home care, or day-to-day expenses
Peace of mind knowing you’re not alone when life throws a curveball

Because life assurance isn’t just about death, it’s about living with dignity through every season.

6. It’s more affordable than you think

Let’s be honest, many of us assume life assurance is only for the wealthy. We think it’s something for people with big titles or big salaries. But that couldn’t be further from the truth.

At Zimnat, we believe protection should be for everyone no matter your income.

• We’ve got Dollar Deals that make life assurance affordable.
• If we can spare a dollar for some little guilty pleasures, we can find a dollar to protect our families.
• With Zimnat Chema, we’ve made funeral cover simple, flexible, and within reach

We’re not just selling cover, we’re giving peace of mind, one dollar at a time.
See how it fits your life: Chema/Inyembezi MicroFuneral Plan

7. Because you don’t know what tomorrow holds

We don’t say this to scare you we say it because it’s true “ramangwana harizivikanwe”.

Every day you wait is one day closer to the unexpected. And once it’s too late, there’s no going back. Choosing life assurance today is about choosing:

• Responsibility
• Security
• Love in action

You don’t need to be wealthy to plan ahead you just need to care enough to act.

Your Family’s future starts with you

In a world full of “what ifs,” life assurance gives you one answer you can count on.

It protects your family
It supports your dreams
It creates a legacy that lasts beyond a lifetime

Don’t leave your family’s future to chance. Get in touch with our team today for a free life assurance quote tailored to your budget, life stage, and goals.

Download our brochure to learn more: Zimnat Life Assurance Brochure-Individual Life (820 downloads)

The post Six Feet Under, But Covered All Over appeared first on Zimnat Insurance Group.

The June–August travel hack nobody talks about

Ask any Zimbabwean to picture “holiday season” and December lights up—airport queues, kombis full of groceries for gogo, and a suitcase wedged with presents. It’s beautiful… and hectic. Mid-year, by contrast, serves up cheaper airfares, mild weather, and shorter visa queues. That’s why searches for “holiday destinations 2025” and “cheap holiday packages from Zimbabwe” have surged this May.Google Trends

Why mid-year makes dollars and sense

1. Pocket-friendly flights – Airlines drop fares on regional routes like Harare–Johannesburg and Harare–Dar es Salaam between May and August.

2. Easier visa appointments – Schengen and Dubai slots open wider outside the festive stampede. (Just Google “Schengen visa Zimbabwe”—results have doubled in May.)

3. Kids’ school calendar – The second-term break sits perfectly in August, giving families a neat two-week getaway window.

4. Weather wins – Think 26 °C afternoons in Zanzibar or cloud-free safari drives in Hwange.

Holiday hotspots lighting up Zimbabwean search bars

The December dilemma: why “visit home” ≠ “vacation”

Culturally, December in Zimbabwe is for family obligations—clearing fields, weddings, church conventions, paying respects at kumusha. You’re busy, your wallet is busy, and beaches are busier still. Booking that exotic escape in June means you return refreshed and still have energy for “kisimusi paroots” later in the year.

Enter Zimnat Travel Insurance: Your passport’s best friend

Picture this: You’ve finally landed that Zanzibar deal, but your child’s suitcase—packed with swimming goggles and all—decides to explore Ethiopia instead. Zimnat Travel Insurance steps in with luggage delay cover, so you buy replacements without raiding the holiday kitty. Zimnat Insurance Group

Or maybe your connecting flight out of OR Tambo is suddenly cancelled. Zimnat reimburses unexpected hotel nights and meals while you sip rooibos in transit. Our optional hospital cash-back plan even pays you daily if malaria bites and you’re hospitalised in Stone Town, easing medical bills and stress.

“Whether you’re a cross-border trader off to Lusaka or a family heading for Disney-in-Dubai, our cover protects your trip budget so you can focus on memories, not mishaps,” says the Zimnat Travel team. Zimnat Insurance Group

Quick-fire FAQs Zimbabweans Google in May

Is travel insurance mandatory for Dubai or Schengen visas?
Yes—both expect proof of medical cover up to €30 000. Zimnat’s policies meet these limits and issue instant certificates for your visa file.

Does Zimnat cover group trips?
Absolutely. Friends, church youth camps, even your chorister squad headed to Vic Falls Carnival get discounted group rates.

Can I pay premiums in USD or ZWL?
Zimnat quotes in USD for global trips but accepts local-currency transfers at bank rate the day you sign—flexibility that keeps budgeting simple.

Five mid-year itinerary ideas (all Zimnat-approved)

1. Zanzibar Spice Trail (7 days) – Stone Town markets, Jozani Forest colobus monkeys, Mnemba snorkelling.

2. Dubai & Abu Dhabi twin-city (6 days) – Desert safari, Museum of the Future, Yas Island water-coasters.

3. Vic Falls & Hwange combo (4 days) – Lunar rainbow nights (June-July), plus lion tracking in Hwange’s dry-season pans.

4. Cape Winelands fireside tour (5 days) – Franschhoek wine tram, Stellenbosch bistros, whale spotting in Hermanus.

5. Okavango Delta mokoro safari (5 days) – Flood-season channels, mobile tents, sunsets that turn the water gold.

Pack any of these with Zimnat Travel Insurance and you’re cushioned against flight glitches, luggage drama or sudden flu spikes.

Ready, set, search!

Before fares climb and visa slots vanish, jump onto Google Flights, punch those dream dates, and get a quick Zimnat quote online. With cover in your back pocket, mid-year morphs from “maybe next year” to “takaenda takaenda!”

The post Why Smart Zimbabweans Travel in June, Not December appeared first on Zimnat Insurance Group.

When you choose an insurer, you want straight answers, fair treatment, and peace of mind. That’s exactly what Zimbabwe’s Insurance and Pensions Commission (IPEC) aims to deliver through its new Market Conduct Framework—and what you can expect every time you work with Zimnat.

1. Fair Treatment From Quote to Claim

The Framework puts customer fairness first. Whether you’re getting a life policy, motor cover, or funeral plan, you’ll receive service that puts your interests ahead of ours—no fine-print surprises.

2. Plain-Language Insurance Advice

Searches like “easy-to-understand insurance in Zimbabwe” lead to us for a reason. We explain premiums, benefits, and exclusions in clear, everyday language, so you know exactly what you’re buying.

3. Fast, Transparent Claims

Typing “quick insurance claims Zimbabwe”? You’ll find that the Framework demands—and we deliver—speedy, transparent claims handling. We tell you what documents we need, how long it will take, and keep you updated at every step.

4. Hassle-Free Feedback Channels

Need to ask a question or lodge a complaint? Call us toll-free on 321, WhatsApp: 0772175991, email: customercare@zimnat.co.zw, or our self-service portal—whichever suits you. The Framework requires easy access to redress, and we make sure you get it.

5. Rock-Solid Data Security

“Is Zimnat secure?” Absolutely. Your personal information is protected by industry-grade encryption and strict internal controls, fully aligned with the Framework’s privacy and cybersecurity rules.

6. Insurance Education & Tools

From premium calculators to explainer videos, we provide free resources that help you make informed insurance decisions—boosting your financial confidence and protecting what matters most.

Why This Matters

The IPEC Market Conduct Framework sets the bar for trustworthy, customer-centric insurance in Zimbabwe. Download the full document below and use it as your checklist. If your experience ever falls short, let us know—your feedback keeps us improving.

Download: Market Conduct Framework for Insurance and Pensions Industry

#EmpoweringProsperity

The post Our Promise Under IPEC’s New Market Conduct Framework appeared first on Zimnat Insurance Group.