Al Aman Takaful Insurance S.A.L.

What Al Aman Takaful Insurance S.A.L. does

Al Aman Takaful Insurance S.A.L. (operating as Access Trust Insurance, branded ATI and also referenced as Aman Trust Insurance) is a privately held Lebanese multi-line insurance carrier headquartered in Beirut. The company distributes 14 distinct insurance products — health, motor, public liability, marine, contractor, life, political violence, travel, workmen, personal accident, fire, BBB, expatriate, and medical malpractice insurance — to individuals, small businesses, and mid-sized to large organizations in Lebanon. ATI is registered as a Lebanese société à responsabilité limitée (S.A.L.) with a .lb web domain and a Lebanese (+961) phone presence, and its operating geography is limited to Lebanon.

The business model is straightforward and conventional. ATI generates revenue through insurance premiums collected on policies spanning personal and commercial lines, with pricing delivered on a quote-by-quote basis rather than through publicly listed tiers. Its go-to-market is a direct-to-consumer motion: customers browse product categories on the corporate website (ati.com.lb), select a product, and submit a quote request via a product-linked form. The company also maintains Facebook, LinkedIn, and Instagram profiles for brand engagement and participates in local events and sponsorship activity. There is no proprietary technology platform, no mobile application, no disclosed integrations, and no API surface; distribution relies on the website, social media, and what appears to be a small in-house team supplemented by event-based outreach.

The company's stated competitive position rests on its multi-line breadth and its self-described reputation and credibility in the Lebanese insurance market since its foundation. Leadership is stable under CEO Wissam Achour and General Manager Maher Antar. Ownership is private with no disclosed institutional investors, parent company, or funding history. No revenue, premium volume, headcount breakdown, or financial performance data is publicly available, and the stated headcount band of 1–10 employees is inconsistent with the operational scope implied by a 14-line multi-line carrier, suggesting either that headcount data is incomplete or that operations rely heavily on brokers, agents, or outsourced distribution.

Name

Al Aman Takaful Insurance S.A.L.

Legal name

Al Aman Takaful Insurance S.A.L.

Website

https://ati.com.lb

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Al Aman Takaful Insurance S.A.L. (ATI) is a privately held Lebanese multi-line insurer offering 14 insurance products — including health, motor, life, marine, fire, and political violence — to individuals, small businesses, and mid-to-large companies in Lebanon through a direct online quote platform.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industry

Accident Medical Expense Insurance (Supplemental Accident) (FSAIALAE)

Keywords

• Multi-line insurance
• Property casualty insurance
• Health insurance coverage
• Motor vehicle insurance
• Commercial insurance products

Headquarters

HQ city

Beirut, Beirut

HQ country

Lebanon

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: ATI generates revenue through insurance premiums charged for its diverse range of insurance products including health, motor, life, travel, marine, fire, contractor, public liability, political violence, workmen, personal accident, expatriate, medical malpractice, and BBB insurance. Premiums are collected upfront or on a recurring basis depending on the policy type.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Al Aman Takaful Insurance S.A.L. (operating as Access Trust Insurance / Aman Trust Insurance) is a Lebanese multi-line insurer offering a portfolio of 14 distinct insurance products. Its offerings span health, motor, life, travel, marine, fire, contractor, public liability, political violence, workmen compensation, personal accident, expatriate, medical malpractice, and BBB insurance for individuals, small businesses, and mid-to-large companies in Lebanon.

Product overview

Al Aman Takaful Insurance S.A.L. (operating as Access Trust Insurance - ATI) is a leading multi-line insurer in Lebanon offering a comprehensive portfolio of 14 distinct insurance products. The company provides property and casualty coverage serving individuals, small businesses, and mid-sized to large companies. The product portfolio includes Health Insurance, Motor Insurance, Public Liability Insurance, Marine Insurance, Contractor Insurance, Life Insurance, Political Violence Insurance, Travel Insurance, Workmen Insurance, Personal Accident Insurance, Fire Insurance, BBB Insurance, Expatriate Insurance, and Medical Expenses Insurance. ATI positions itself as a comprehensive insurance solutions provider with a focus on convenience, transparency, and competitive pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Provides coverage for medical expenses, hospitalization, and healthcare costs for individuals or groups in Lebanon.
• Motor Insurance Covers vehicles against damages, theft, and third-party liability for drivers in Lebanon.
• Public Liability Insurance Protects businesses against claims from third parties for bodily injury or property damage.
• Marine Insurance Covers goods in transit via sea, air, or land against loss or damage during shipping.
• Contractor Insurance Coverage for construction projects, contractors, and engineering risks during project execution.
• Life Insurance Provides financial protection to beneficiaries upon the death of the insured policyholder.
• Political Violence Insurance Covers losses arising from political unrest, terrorism, and civil disturbance events.
• Travel Insurance Provides coverage for trip cancellations, medical emergencies, and travel-related risks abroad.
• Workmen Insurance Covers employees for workplace injuries, occupational diseases, and related medical expenses.
• Personal Accident Insurance Provides compensation for accidental death, disability, or injury to the insured individual.
• Fire Insurance Covers properties and assets against fire damage, natural disasters, and related perils.
• BBB Insurance Provides coverage against various business risks and liabilities as per BBB requirements.
• Expatriate Insurance Coverage for expatriates living and working abroad, including medical and emergency services.
• Medical Malpractice Insurance Covers medical practitioners and healthcare providers against malpractice claims and liabilities.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Regional players

• Walaa Cooperative Insurance: Bahrain-listed cooperative insurer with multi-line personal and commercial coverage; comparable product architecture and Takaful/cooperative positioning to ATI's branding.
• SALAMA Cooperative Insurance: Saudi-listed cooperative (Takaful-style) insurer with multi-line coverage; relevant given ATI's 'Takaful' branding and shared multi-line regional dynamics, though operating in a different geography.
• Medgulf (Mediterranean and Gulf Cooperative Insurance): Saudi Takaful-style multi-line insurer offering health, motor, and commercial coverage — comparable in product breadth to ATI but serving a different national market.

Broad incumbents

• MetLife Lebanon: Lebanese arm of MetLife offering life and group benefits; overlaps with ATI's life and health lines and competes for the same corporate and individual customers.
• Allianz SNA (Lebanon): Lebanese operation of Allianz offering multi-line personal and commercial insurance — broad incumbent competing with ATI across nearly all of its 14 product categories.
• AXA Middle East (Lebanon): Global insurance brand's Lebanese/regional operation offering P&C, health, and life lines — competes with ATI across multiple categories but with materially greater capital and brand recognition.

Direct peers

• Bankers Assurance SAL: Lebanese multi-line insurer offering a comparable portfolio of motor, health, life, and commercial lines to individuals and corporates in the same domestic market as ATI.
• Byblos Insurance: Established Lebanese insurer providing general P&C, life, and health coverage — direct domestic competitor to ATI's multi-line offering.
• AROPE Insurance: Lebanese multi-line insurance carrier offering personal and commercial lines, operating in the same Beirut-based competitive landscape as ATI.
• LIVA Insurance: Lebanese multi-line insurer covering health, motor, and commercial risks; directly comparable to ATI in product breadth and domestic focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/amantrustinsurance
• LinkedInlinkedin.com/company/al-aman-takaful-insurance-s-a-l-
• Instagraminstagram.com/amantrustinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Al Aman Takaful Insurance S.A.L.