Kommesk Omir
Centras Life (formerly Kommesk Omir) is Kazakhstan's first life insurance company, founded in 1991, offering life insurance, pension annuities, health and accident coverage, and corporate insurance products to individuals and businesses, operating within the Centras Group financial ecosystem.
- Company typePrivate
- Founded1991
- HeadquartersBatyr, Kazakhstan
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Kommesk Omir does
Kommesk Omir, now operating as Centras Life, is Kazakhstan's first life insurance company, founded in 1991 following the country's independence and headquartered in Almaty. It is a joint-stock company (AO "KSZh Centras Life") operating under License No. 2.2.17 issued by the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan, and is integrated into the Centras Group financial ecosystem. In March 2026, the company rebranded from Kommesk Omir to Centras Life to align with its parent group's branding, while preserving all existing insurance contracts, assets, and obligations. It carries an A.M.Best financial strength rating of B- with a Stable outlook.
The company's product portfolio spans four categories: individual life insurance (Ömir+ accumulation with profit participation, Bata Ömir child-focused savings, Sätti Ömir currency-indexed accumulation, borrower life insurance, and indexed life policies); pension annuities offering lifetime payments with 8% annual indexation and access 8 years earlier than standard retirement; health and accident coverage (accident, COVID-19, and ARVI); and corporate products (mandatory ОСРНС employee accident insurance and ГССЖ group term life). The underlying platform is described as a life insurance and pension annuity platform with an online customer portal for policy management, premium payment, and claims filing.
Revenue is generated through recurring insurance premiums on individual and group life policies, pension annuity contracts, and mandatory corporate insurance products. Distribution is multi-channel: a call center, a domestic agent and broker network across Kazakhstan, and a digital self-service portal. The customer base covers individual consumers seeking savings and protection, corporate employers fulfilling mandatory employee insurance and benefits, and pre-retirement/retiree individuals purchasing lifetime annuity products. Pricing is quote-based and not publicly disclosed.
Kommesk Omir firmographics
Firmographics- Name
- Kommesk Omir
- Legal name
- AO "KSZh Centras Life" (АО «КСЖ «Centras Life»)
- Website
- https://kommesk.kz
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Short description
- Centras Life (formerly Kommesk Omir) is Kazakhstan's first life insurance company, founded in 1991, offering life insurance, pension annuities, health and accident coverage, and corporate insurance products to individuals and businesses, operating within the Centras Group financial ecosystem.
- Ownership category
- akta.pro rank
Kommesk Omir industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Whole Life Insurance (FSAIABAA)
- akta.pro secondary industries
- Immediate Income Annuities (SPIA) (FSAIACAE), Basic Group Term Life (Employer-Paid) (FSAIADAA)
Keywords
Where Kommesk Omir is headquartered
LocationHeadquarters
- HQ city
- Batyr
- HQ country
- Kazakhstan
- HQ region
- Asia
Offices1 record
Markets served
Kommesk Omir business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Life Insurance Premiums: Collection of insurance premiums from individual and group life insurance policies, including accumulated insurance with profit participation, currency-indexed policies, and borrower life insurance.
- Pension Annuity: Pension annuity products providing lifetime payments to policyholders, featuring 8% annual indexing and early pension access (8 years earlier than standard retirement age).
- Health and Accident Insurance: Short-term insurance products covering accident, COVID-19, and ARVI medical events.
- Corporate Employee Insurance: Mandatory employee accident insurance (ОСРНС) and group life insurance (ГССЖ) for businesses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individual life insurance products (Өмір+, Бата Өмір, Сәтті Өмір) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Kommesk Omir product offering
Product offeringCore offering
Kommesk Omir (operating as Centras Life since March 2026) is a Kazakhstan-based life insurance company offering accumulation life insurance, pension annuities, accident and health insurance, and corporate employee coverage products. Its portfolio includes individual savings-linked policies (Omir Plus, Bata Omir, Satti Omir), borrower life insurance, indexed life insurance, pension annuities with 8% annual indexation and early retirement access, accident/COVID/ARVI coverage, and mandatory and group employee insurance for businesses.
Product overview
Kommesk Omir (now Centras Life) operates as a life insurance company in Kazakhstan offering a unified platform of insurance products. The product portfolio consists of four main categories: Life insurance products (Өмір+, Бата Өмір, Сәтті Өмір, borrower life insurance, and indexed life insurance); Pension products (Pension annuity with lifetime payments and annual 8% indexation); Health insurance (accident, COVID, and acute respiratory infection coverage); and Business insurance (mandatory worker accident insurance and group term life insurance). The company also provides loyalty program (Өмір Club), online policy management, and financial education resources through its digital platform.
Differentiator
Problem solved
Functional benefit
Brands
- Ömir Plus (Өмір+): Accumulated life insurance with profit participation
- Bata Ömir (Бата Өмір)
- Sätti Ömir (Сәтті Өмір)
- Ömir Club (Өмір Club)
- Pension Annuity (Пенсионный аннуитет)
Products and services
- Omir Plus (Өмір+) Accumulation life insurance with profit participation, providing savings and insurance protection with annual dividend payments for individual policyholders.
- Bata Omir (Бата Өмір) Accumulation life insurance for the benefit of a child, providing financial security and savings for a child's future.
- Satti Omir (Сәтті Өмір) Currency-based accumulation life insurance with annual 8% indexing and profit participation features, providing foreign-currency-denominated savings with insurance protection.
- Borrower Life Insurance (Страхование жизни заёмщика) Life insurance for borrowers covering outstanding loan balances in the event of an insured event, protecting repayment obligations.
- Indexed Life Insurance (Страхование жизни с индексацией) Life insurance with annual indexation, providing protection against inflation by increasing coverage amounts over time.
- Pension Annuity (Пенсионный аннуитет) Pension annuity providing lifetime pension payments, allowing access 8 years earlier than standard retirement age, with annual 8% indexation and dividend payments upon contract signing.
- Accident Insurance (Страхование от несчастного случая) Accident insurance providing financial protection against injuries and accidents for individuals.
- COVID-19 Insurance (Страхование от COVID) Insurance coverage for COVID-19 related health events for individuals.
- ARVI Insurance (Страхование от ОРВИ) Insurance coverage for acute respiratory viral infections (ARVI) for individuals.
- Mandatory Worker Accident Insurance (ОСРНС) Mandatory employee accident insurance as required by Kazakhstan law, offered to corporate/employer clients.
- Group Term Life Insurance (ГССЖ) Group term life insurance for businesses covering multiple employees under a single policy, used as part of employee benefits packages.
Quantifiable outcome
- Pension payments available 8 years earlier than standard retirement age
- +2 more outcomes
Companies that use Kommesk Omir
Customer profileSegments4 records
Ideal customer profiles4 records
Kommesk Omir technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Kommesk Omir partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Centras GroupcoreCentras Life operates as an integral part of the Centras Group ecosystem. The company describes itself as 'part of the Centras Group' and benefits from the broader financial group's infrastructure, brand association, and cross-selling opportunities. The rename from Kommesk Omir to Centras Life aligns the company with the group branding.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
Kommesk Omir competitors and assessment
Company assessmentBroad incumbents
- Allianz Life: International life and health insurance arm of Allianz, present across many emerging markets. Relevant as a benchmark peer for life-and-pension product design and for cross-border re/insurer partnership dynamics.
- AXA: Global insurance and asset-management group with life, savings, and pension businesses worldwide. Comparable in product mix (life, pension, health) though at a much larger, more diversified scale than Centras Life.
- Prudential Financial: Global life insurance and retirement-services incumbent operating across Asia and other emerging markets. Comparable in annuity and life-with-profit-participation product mechanics, albeit at vastly larger scale.
- Manulife: Global life insurer with significant Asia-segment focus on accumulation and retirement products. Comparable annuity and insurance-with-profit-participation mechanics that Centras Life applies in Kazakhstan.
- MetLife: Global life insurance and annuity giant with extensive operations across emerging markets. Demonstrates the scalable life-insurance + annuity model that Centras Life operates in a localized form, useful as a strategic and benchmark peer.
Direct peers
- Standard Life Kazakhstan: Kazakhstan life insurance operator providing individual and group life coverage. Same regulatory, geographic, and product footprint as Centras Life, making it a direct competitor in the domestic market.
- Eurasia Life Insurance: Kazakhstan-licensed life insurance carrier offering individual and group life products. Operates within the same domestic regulatory framework and customer base as Centras Life, making it a directly competing peer.
- Halyk Life Insurance: Kazakhstan life insurer operating under the Halyk Bank group, selling individual life, pension, and group coverage products. Directly comparable to Centras Life given its overlapping product mix, domestic distribution, and similar regulatory positioning.
- Kazkommerts Life Insurance: Kazakhstan-based life insurer affiliated with one of the country's major banks, offering similar life and annuity products. Comparable in scale, distribution model, and product structure to Centras Life.
- Nomad Life Insurance: Domestic Kazakhstan life insurance carrier focused on individual and corporate life products. Directly competes with Centras Life for the same Kazakhstani customers under the same regulatory regime.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Kommesk Omir social profiles
Digital presenceKommesk Omir compliance and trust
Trust signalCompliance2 records
Kommesk Omir financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kommesk Omir leadership team
Management profileNumber of profiles
Kommesk Omir funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kommesk Omir M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kommesk Omir
What does Kommesk Omir do?
Kommesk Omir (operating as Centras Life since March 2026) is a Kazakhstan-based life insurance company offering accumulation life insurance, pension annuities, accident and health insurance, and corporate employee coverage products. Its portfolio includes individual savings-linked policies (Omir Plus, Bata Omir, Satti Omir), borrower life insurance, indexed life insurance, pension annuities with 8% annual indexation and early retirement access, accident/COVID/ARVI coverage, and mandatory and group employee insurance for businesses.
Is Kommesk Omir a public or private company?
Kommesk Omir is a private company. It is classified as corporate owned and is currently operating.
When was Kommesk Omir founded?
Kommesk Omir was founded in 1991.
Where is Kommesk Omir based?
Kommesk Omir is headquartered in Batyr, Kazakhstan, in the Asia region.
How does Kommesk Omir make money?
Four revenue lines are on record. Life Insurance Premiums are the primary driver. The others are pension Annuity, health and Accident Insurance and corporate Employee Insurance.
Who are Kommesk Omir's main competitors?
Broad incumbents on record are Allianz Life, AXA, Prudential Financial, Manulife and MetLife. Direct peers are Standard Life Kazakhstan, Eurasia Life Insurance, Halyk Life Insurance, Kazkommerts Life Insurance and Nomad Life Insurance.
Does Kommesk Omir have an API?
No public API is recorded for Kommesk Omir.
What industry is Kommesk Omir in?
Kommesk Omir's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance, with a secondary code of FSAIACAE, Immediate Income Annuities (SPIA). Its NAICS code is 524113 and its SIC code is 6311.