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Insurance Zillakami

Insurance Made Easy

Car Insurance

Drive without worry or stress and keep moving forward. Enjoy full cover when we represent you.

Agriculture Insurance

As a farmer you are an essentail part of any life therefore your efforts must be protected.

Goods In Transit Insurance

At Insizwe, goods in transit insurance is cover where premium is based on the value of goods in transit, at the insured’s risk, during the policy period

Life Insurance

Insizwe’s Life insurance is designed primarily to protect your family’s financial security after you are no longer around

House Insurance

Covers loss or damage to the private dwelling, and contents against fire and related perils

Insurance Made Easy

Our Services

Health Insurance

Motor Insurance

Car insurance does more than protect you and your vehicle in the event of an accident. It also covers damage or injury caused by you or someone else driving your vehicle, costs that can soar above the value of the vehicle itself. Coverage is also granted whilst driving another private vehicle.

Life Insurance

Insizwe’s Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.

Agriculture Insurance

Agriculture insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.

Goods In Transit

At Insizwe, goods in transit insurance is cover where premium is based on the value of goods in transit, at the insured’s risk, during the policy period. It is the simplest and most convenient way to cover the insured’s inland transit risks. It is intended to protect buyers and sellers who are exposed to financial loss if this property is lost, damaged, or destroyed while off premises and in transit.

Fire Insurance

This policy covers your property against loss or damage by fire, lightning and limited explosion. Optional perils include natural forces and other insured perils subject to the payment of additional premium. Therefore, minimize fire loss of your property caused by insured perils when you choose Insizwe’s Fire insurance.

Theft, break-ins or burglaries at your office, warehouse, shop or industry can bring about a huge financial loss to you. Fire insurance at Insizwe is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, and may also cover damage to nearby structures, personal property and expenses associated with not being able to live in or use the property if it is damaged.

Engineering

The Plant All Risks provides cover for construction equipment (usually mobile) against any unforeseen and sudden physical loss or damage from any cause not specifically excluded. Insizwe covers the insured on an “All Risks” basis for the loss of or damage to the insured Plant and/ or Equipment whilst it is in use on site, in transit or being stored.

It is therefore necessary that any contractor involved in using various construction plants and equipment in its operations to have this cover in place.

All Risk Insurance

Our all risk insurance will cover your business’s portable equipment as specified and described by you in the schedule. Property is protected against loss or damage, and may include:

  • Cell phones
  • Laptops and tablet computers
  • Tools of your specific trade (e.g. a photographer’s camera)
  • Portable equipment used outside your normal business premises.

Insizwe private brokers limited is wholly owned by Zambian’s and was established early 2015 with the view to provide personalised professional insurance services.

Insizwe Private Brokers takes over a business portfolio of about $3M from its parent company Insizwe Consult Limited to offer services for both life and non life insurance in Zambia.

Insizwe Private Brokers has built its reputation of providing clients across the nation with innovative insurance solutions and professional service. We ensure that we have an outstanding reputation for fast, fair claims service.

Core Competencies

Our core competence is an existing portfolio of about $3.0m which we intend to grown by about 35% in the next two years and also ensuring that we maintain a good relationship with our existing client.

Our directors have vast experience in Insurance, Finance and Legal sectors and we value Human Capital as our digest Asset.

A combination of these novel ideas together with the other mentioned services will complement each other for competitive advantage of the company in the long run.

Vision & Mission

To be a leader in the supply of innovative insurance services that are tailor made to suite clients needs and provide the best insurance options.

To provide personalised services of excellent quality and keeping abreast with professional and best practice guidelines.

To develop and maintain a close relationship with our clients:

  • To be the leading broker in Africa
  • To provide quality services that enhances our market share value in the industry
  • To grow our business portfolio by about 35% by 2017
  • To be among the top 5 insurance brokers in Zambia.
  • Integrity, Reliability and Honesty
  • Professionalism
  • Excellent customer services
  • Equity and Responsibility
  • Leadership and Service Excellence
  • Social responsibility

How Can We Help You

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Chisala Mubanga

General Manager

Namuye Kaliwanda Mudenda

Managing Director

Maybin Madiba Mudenda

Executive Director

Popular Products

Motor Insurance

Car insurance does more than protect you and your vehicle in the event of an accident. It also covers damage or injury caused by you or someone else driving your vehicle, costs that can soar above the value of the vehicle itself. Coverage is also granted whilst driving another private vehicle.

Life Insurance

Insizwe’s Life insurance is designed primarily to protect your family’s financial security after you are no longer around. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.

Agriculture Insurance

Agriculture insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.

Contact Us

  • Address: 1st Floor Pangea Office Park, Lusaka, Zambia
  • Phone: +260 211 377822
  • Phone: +260 211 377823
  • Email: info@insizwe.com
  • Website: www.insizwe.com

Request A Quote

Call Me Back

Request A Document

MOTOR INSURANCE

Car insurance does more than protect you and your vehicle in the event of an accident. It also covers damage or injury caused by you or someone else driving your vehicle, costs that can soar above the value of the vehicle itself. Coverage is also granted whilst driving another private vehicle.

There are two major options to choose from when you are seeking motor insurance:

Third Party

This basic coverage is often the minimum required by law, and only covers you for the cost of claims for injury to another person and damage to another vehicle or third party property. It does not cover loss of or damage to your own vehicle.

Comprehensive Insurance

Comprehensive insurance covers you for third party fire and theft plus accidental damage to your own vehicle. The exact cost of your policy is calculated by considering a number of factors such as the driver’s profile (including age, driving experience and driving history) and the vehicle’s profile (including type, use, engine size and value).

LIFE INSURANCE

Insizwe’s Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.

Security for your family should something happen to you

Life insurance can help:

  • Pay debts and taxes after your death
  • Allow your family to maintain its standard of living
  • Support your dependents’ goals and dreams
  • Provide immediate access to cash
  • Should your need for a death benefit decrease, certain types of life insurance may serve to provide funds for other needs

AGRICULTURE

Agriculture insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. The two general categories of crop insurance are called crop-yield insurance and crop-revenue insurance.

Crop-yield insurance

There are two main classes of crop-yield insurance:

  • Crop-hail insurance is generally available from private insurers (in countries with private sectors) because hail is a narrow peril that occurs in a limited place and its accumulated losses tend not to overwhelm the capital reserves of private insurers.
  • Multi-peril crop insurance (MPCI): Coverage in this type of insurance is not limited to just one risk. Usually multi-peril crop insurance offers hail, excessive rain and drought in a combined package. Sometimes, additional risks such as insect or bacteria-related diseases are also offered. The problem with the multi-peril crop insurance is the possibility of a large scale event. Such an event can cause significant losses beyond the insurer’s financial capacity. To make this class of insurance, the perils are often bundled together in a single policy, called a multi-peril crop insurance (MPCI) policy

Crop-revenue insurance

Crop-yield times the crop price gives the crop-revenues. Based on farmer’s revenues, crop-revenue insurance is based on deviation from the mean revenue. RMA uses the futures prices on harvest-times listed in the commodity exchange markets, to determine the prices. Combining the future price with farmer’s average production gives the estimated revenue of the farmer. Accessing the futures market offers enables revenue protection even before the crop planted. There is a single guarantee for a certain number of dollars. The policy pays an indemnity if the combination of the actual yield and the cash settlement price in the futures market is less than the guarantee. In the United States, the program is called Crop Revenue Coverage. Crop-revenue insurance covers the decline in price that occurs during the crop’s growing season. It does not cover declines that may occur from one growing season to another.

The Top Ten Rappers Who Are Respected by Metalheads

The Top Ten

Tech should be number one, he is obviously the dopest rapper in the game right now. Glad he’s included in the list too.

I honestly love his backmasking on his songs. He’s one of those music artists whose really good at doing it.

He’s my favorite rapper of all time and I’m glad he’s on this list m/

He had a collab with Serj Tanikian. Is that enough for you?

Being the rap vocals of Linkin Park, there is absolutely no doubt that he is respected by people who listen to metal. He, himself is an amazing rapper and has made a huge amount of hits with Linkin Park.

Being the rapper of Linkin Park, he gets a lot of respect. However, I don’t think he is that talented. – IronSabbathPriest

I mean, he’s the rapper of a nu metal band, obv. – ProPanda

Once a part of rapcore band Hollywood Undead, Deuce has really made a scene in being one of the most respected rappers, from people who enjoy metal. He once sung the hooks in Hollywood Undead and was later replaced by Danny. I personally think Danny is better off with Hollywood Undead, but I also wish Deuce was never kicked out.

Um. I’m sorry no metalhead “respects” this rapper that I know of. – CaptainMowzker

He has real rap talent, so. – Ananya

Probably because of the fact he doesn’t use the word N word every ten seconds. – CaptainMowzker

I’m a metalhead, and I have a lot of respect for Eminem. He can actually rap, and doesn’t say the N word every 5 seconds. And his songs actually have a meaning – KingSlayer93316

Yes, the Eminem inspired underground rapper Hopsin is respected by many people who love different type of music genres. Hopsin is definitely one of the best rappers to ever do it, and is definitely one of my favorite rappers as well. Having a successful record label Funk Volume, he has managed to make a lot of anthems, for metalheads to enjoy. He has also signed rappers such as Dizzy Wright and Jarren Benton and has also made them reach XXL.

Haha that picture with Tupac and Kiss back in 1996 at The Grammy’s. classic.

I also have a lot of respect for Tupac. He can rap in a way that is good – KingSlayer93316

I respect Tupac he was a badass rapper. – CaptainMowzker

Metalheads do not respect whiny emo poser metal bands like Falling in Reverse. – CaptainMowzker

Don’t know who this guy is, but he definitely doesn’t look like a rapper. – MetalFoREVer1228

Ronnie is actually the vocalist of Falling in Reverse. This needs to be removed

Metalheads wouldn’t respect a poser. – 445956

I am genuinely surprised he ranked so low, considering how he is a frontman of a really good crossover thrash band. Moreover, I know that there’s barely anyone in my metal community who likes Nu Metal, but do know and listen to Body Count.

Never knew much about him until I discover one of the best bands I’ve ever heard, BODY COUNT. He actually was partially inspiration to look into hp hop and rap a bit too.

Fred Durst is hands down one of the best to have ever made it possible. Being the lead vocalist of Nu Metal band Limp Bizkit, whom is now signed to Cash Money records. Fred Durst has definitely made history and has definitely made a handful of anthems for all you metalheads to enjoy. His lyrics are powerful, yet aggressive, he really knows how to pump you up and make you want to punch someone in the face. Limp Bizkit is amazing!

No metalhead I know of respects Fred Durst. NOT A SINGLE ONE. – CaptainMowzker

The Newcomers

The Contenders

No Metalhead I know of “respects” him. – CaptainMowzker

Zachary de la Rocha is a legend, he is definitely one of the best to ever do it. Being the vocalist of Nu Metal band Rage Against the Machine, he has really managed to make one of the best rap rock songs I’ve ever witnessed. Zack should definitely bring back RATM, they really did inspire me as a child.

The best rapper in the rap metal genre he does a good job about tell massages in his songs

Atilla is crap and so is this jackass worst death core in the world

Fronz is amazing, Attila rules and I just love his music. The profanity may be disturbing, buy I love the music anyway.

Being the lead singer of Rapcore band Attila, Fronz is definitely respected by people who listen to metal music. Attila is amazing. Fronz is love, Fronz is life.

To Pimp A Butterfly was practically flawless. – Caleb9000

Song writer, author, producer and most definitely, an amazing Christian rapper. Toby has a Nu Metal sound in some of his songs and he is definitely an amazing artist. Many metalheads love him, and I wouldn’t dare ask why.

Tobymac has collabed with Nu metal artist Trevor McNevan and also with Skillet’s John Cooper – paasadani

Watch an interview of him on YouTube talking about his musical preferences. Heavy Metal is his first answer.

He’s has been inspired by metal and rock bands like Papa roach and Nirvana. Even he have song like “King”, “Revenge” and more.

He’s more reggae-sounding than rap, but he is metal also. Skindred rules. – NuMetalManiak

Why isn’t he in the list? Benji is amazing.

He’s a pretty big black metal fan and that shines through his music. But he’s into metal and rock overall too considering he has sampled bands like Pantera, Black Sabbath, Nirvana, and Linkin Park.

I definitely have respect for Biggie Smalls. Great rapper – KingSlayer93316

I think that Dr. Dre’s pretty cool. – CaptainMowzker

They have a distinct sound that some would say sounds like rock and metal.

They’re experimental hip hop, not rap. But, I think they’re ok – KingSlayer93316

Just NO. – CaptainMowzker

Most metalheads that I know of despise Lil Wayne. – CaptainMowzker

Nope. I hate him – KingSlayer93316

The scene girls just love T. Mills. Yes, he may be handsome, and yes he may have released a successful independent rap album, and of course was signed to Columbia Records for being a great artist himself. I would consider T. Mills an amazing artist. He has many great anthems, for example The Boom, which indeed is amazing, and deserves to be in the Greatest Songs of All Time list.

Slipknot and avenged sevenfold look and music

No. He created Despicacito (or however you spell it) – KingSlayer93316

These guys are awesome, that hace lyrics that has a perfect aesthetic to death metal m/

He’s pretty badass in my book. – CaptainMowzker

YG Says Fu** Tekashi 69 [ Watch]

David March 26, 2018 News Leave a comment 429 Views

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Can Tekashi69 go a day without pissing people off?

Over the last few months, he’s gotten into a gun fight in Minnesota, a huge street brawl at LAX airport, and even sent blood affiliates to beat up rival rapper Trippie Red.

Recently, 6ix9ine did an interview on the popular radio show “the breakfast club”. He talked about how he’s the hottest artist in New York right now, and why he loves being hated on. His appetite for controversy is very worrying to Charlemagne, who is convinced he’s going to get shot sooner than later.

During the interview, he threw shade at legendary rapper YG, saying that he hasn’t had a hit since 2014, and that he’s not even a real gangster.

This is a major slap to YG’s ( Young Gangster) face, as his rap career has literally been built around being a dedicated blood.

With album/ track titles like “My Krazy Life” , “Bickin’ Back Being Bool”, and “Still Brazy” you can see that YG religiously follows the blood code of avoiding the letter “C”, which of course is owned by rival gang the “Crips”.

He even avoids products with excessive amounts of blue, including Chase banking, Oreo cookies, PABST beer, Geico insurance…..the list goes on and on.

So yeah, it’s not surprising that the rapper who habitually wears a “Brompton” hat got mad offended when Tekashi insinuated that he wasn’t even an actual blood!

Check out him going off on 6ix9ine in the video below:

YG’s message for Tekashi 6ix9ine? ” Fuck you”.

Fans say that YG has probably been harboring resentment towards Tekashi for some time now, pointing out his lyrics in his recent track Suu Whoop “I ain’t with the pink-haired Blood shit (suu whoop)/I ain’t with the only-at-the-club-Bloodin’.”

There’s only one rapper in the game with pink/rainbow hair who also claims to be a blood, and that would be our boy 6ix9ine.

fellow blood rapper “The Game” decided to join the Tekashi hating party, saying ” he tryna turn red rags into Disneyland tickets.”

Whether Tekashi 69 is actually a blood has yet to be confirmed. He clearly has friends who are bloods- as witnessed by the savage beating of Trippie Red.

However, as of recent Tekashi has spoken about wanting to unite Bloods and Crips- which seems like something damn near impossible to do.

But despite all this drama with YG, it appears Tekashi has bigger problems on the horizon. As you may or may not be aware of, Tekashi pleaded guilty to uploading a video of a 13 year old girl performing sex acts on camera.

This was back in 2015, and his sentencing included:

  • One year of interim probation
  • Two years of mental health treatment
  • 300 hours of community service
  • prohibition of posting sexually explicit or violent images featuring women or children on social media
  • Requirement to write a letter to the victim’s family

Now, in addition to this Tekashi was also required to get his GED ( General Education Diploma). This is basically the equivalent of attending and graduating high school.

In late January 2018, Tekashi admitted that he hadn’t passed all the sections of his GED yet. The judge told him he has until April 10th to do it, or he could face between 1-3 years in prison.

According to Tekashi, he’s passed everything except science. His ass better be studying right now- the clock is ticking.

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