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CEYLINCO LIFE
Executive Chairman
Q: Ceylinco Life has long been recognised for its financial strength and stability. Why should this be a decisive factor for potential customers when choosing a life insurer in today’s uncertain environment?
A: Life insurance is a long-term commitment, often spanning between five and 20 years, which makes financial strength and stability one of the most important considerations when selecting an insurer.
Unlike a one-time transaction, a life insurer must have the ability to remain financially resilient over the long-term while consistently meeting its obligations in the short and medium terms as well.
Customers need the assurance that their insurer will have sufficient funds available to honour claims and policy benefits whenever they become due, regardless of changing economic conditions.
In this context, Ceylinco Life has continued to demonstrate exceptional financial strength across several key indicators. As at 31 December 2025, the company maintained a capital adequacy ratio (CAR) of 432 percent, one of the highest in the sector, reflecting a strong financial buffer and
prudent risk management practices.
Its life fund exceeded Rs. 201 billion while total equity stood at more than 67
billion rupees, underscoring the company’s solid financial foundation and long-term stability.
The company’s profitability is also noteworthy with a profit before tax (PBT) of Rs. 11 billion, further reinforcing its ability to sustain growth and deliver on policyholder commitments.
In addition, Ceylinco Life is backed by partnerships with two of the world’s most respected reinsurers, Swiss Re and Munich Re, providing an added layer of security and confidence for customers.
Q: Ceylinco Life has been woven into Sri Lanka’s corporate fabric for decades. How has the brand’s journey over the past several years reinforced its strengths and positioned it for future growth in the life insurance sector?
A: Ceylinco has built a strong and trusted presence in Sri Lanka’s insurance sector for over 80 years, and this legacy continues to reinforce its position for future growth.
The company’s journey began with Ceylon Insurance in 1939, followed by the establishment of Ceylinco Limited in 1962, Ceylinco Insurance in 1988 and the formation of Ceylinco Life Insurance in 2015. This evolution reflects the brand’s ability to adapt, grow and remain relevant in a rapidly changing sector.
Over the years, market research has consistently shown that Ceylinco Life enjoys one of the highest levels of top of mind recall among consumers, highlighting the trust and confidence it has built across generations.
In life insurance, where policies are long-term commitments, customers value stability and continuity. Ceylinco’s decades long legacy, combined with tangible assets such as ownership of more than 30 buildings, provides customers with added confidence in the company’s long-term strength and reliability.
Q: In a crowded market, how does your brand differentiate itself beyond price and product?
A: Ceylinco Life differentiates itself by offering customers far more than merely life insurance protection. We understand that customers seek long-term value and meaningful engagement beyond the policy itself.
Alongside attractive policy bonuses, the brand has built strong emotional connections through initiatives such as the Ceylinco Life Family Savari, which is nearing its 20th consecutive year; and the Pranama Scholarship programme, conducted for 25 consecutive years to support the education of policyholders’ children.
These initiatives have strengthened customer loyalty, and elevated the brand beyond price and product alone.
Q: What does customer loyalty mean to your organisation, particularly when purchasing power is under pressure?
A: For Ceylinco Life, customer loyalty is reflected in the trust that has been passed down across generations. Today, we are approaching our third generation of life insurance customers, demonstrating the confidence families place in the protection and peace of mind our policies provide.
Customers remain loyal because we focus on understanding their individual needs and offer tailored life insurance solutions that support them through different stages of life including both planned milestones and unexpected challenges.
This long-term relationship is strengthened by the consistently high standards of service and professionalism maintained across every customer touchpoint, from our sales officers to our branch network and head office support teams.
Even during periods of economic pressure, this trust and reliability continue to reinforce strong customer loyalty.
Q: Public opinion reflects consumer trust. How has your brand earned and sustained this trust over time?
A: Trust is fundamental in life insurance, and Ceylinco Life has earned and sustained it by consistently delivering on its promises to policyholders while maintaining strong financial discipline.
In 2025, the company paid out over Rs. 31 billion in claims and benefits, the highest in its history, reinforcing its reliability when customers need it most. This is supported by prudent management of policyholder funds with premiums carefully invested in secure, high quality assets that generate sustainable returns for customers over the long-term.
Beyond financial strength, trust has also been strengthened through meaningful community impact. The company has contributed to education by constructing 89 classrooms in schools across Sri Lanka, while also supporting healthcare through initiatives such as high dependency units, oxygen pipeline installations, and the Waidya Hamuwa programme, which provides free medical consultations in rural areas.
These sustained commitments continue to reinforce public confidence in the brand.
Telephone: 2461461
Email: care@ceylife.lk
Website: www.ceylincolife.com
