Insurance
Made Simple

Affordable and reliable insurance that helps you protect what matters most to you and your loved ones.

Real Protection. Real Support.

Because protection should mean peace of mind. Thousands of families trust us for insurance that’s accessible, easy to use and pays out when it matters most.

Families Insured

60

Thousand
Policyholder

Families Insured

GHS 40

Million

real support image

Our Products

Smart insurance, made for everyday life.

Simple to sign up, easy to manage, and designed with you in mind with every policy you choose.

Family Cover
Family Cover

Family Cover

Protect your loved ones with affordable coverage that supports your family through life’s uncertainties.

Recharge with Care
Recharge with Care

Recharge with Care

Flexible insurance tailored to you — simple protection for your health, income, and peace of mind.

Annual Cover
Annual Cover

Annual Cover

Reliable cover that keeps you moving, with support when you need it most.

Pay & Drive
Pay & Drive

Pay & Drive

Reliable cover that keeps you moving, with support when you need it most.

Med Cover
Med Cover

Med Cover

Reliable cover that keeps you moving, with support when you need it most.

testinmoinals image

What Our Customers Say

Fast Claims Payout

Fast claims payout and very easy to sign up. I feel secure knowing my family is covered.

Jane Doe12/01/2026

Love it!

The process was simple and clear. No stress, no confusion

Jane Doe12/01/2026

Very Reliable

Reliable insurance backed by brands I trust.

Jane Doe12/01/2026

Super Cool

Fast claims payout and very easy to sign up. I feel secure knowing my family is covered.

Jane Doe12/01/2026

Why Choose Us?

Insurance should be simple and dependable. That’s why we combine MTN’s digital convenience with Sanlam Allianz’s proven expertise to deliver protection you can trust.

Customer-First, Always

Customer-First, Always

Everything we do starts with our customers. From clear communication to responsive support, we’re committed to putting you first at every step.

Simple Insurance, No Stress

Simple Insurance, No Stress

We make insurance easy to understand and easy to use. From signing up to managing your policy, everything is designed to be straightforward, no complex paperwork, no confusion and digital.

Claims You Can Count On

Claims You Can Count On

We don’t just promise protection, we deliver it. Our customers trust us because when life happens, we show up with reliable claims support and timely payouts.

Affordable Cover

Affordable Cover

Our products are designed to be affordable and accessible, so you can protect yourself and your loved ones without stretching your budget.

get app
mtnlogo

Get covered easily using the MTN MoMo App

Take control of your aYo policy with ease. Access it anytime on the MoMo App to view, update, and stay fully protected.

ceo image

Message from our CEO

At aYo, we understand that insurance is ultimately about trust, trust that when life happens, someone will be there to support you. That belief drives everything we do, from how we design our products to how we respond to claims. We don’t just offer cover, we stand by our customers when it matters most.

Together, we will continue building a future where every Ghanaian not just buys insurance but uses insurance.

ayo logo

Simple insurance. Trusted partners. Real protection.

Powered by

mtn logomomo logo

Underwritten by

mtn logo

aYo INTERMEDIARIES GHANA LTD, ALL RIGHTS RESERVED © 2026