Bereket Emeklilik ve Hayat A.Ş.

What Bereket Emeklilik ve Hayat A.Ş. does

Bereket Emeklilik ve Hayat A.Ş. is a Turkish life insurance and individual pension company that operates as part of the Bereket insurance group within Tarım Kredi Grubu, the agricultural cooperative conglomerate. The company runs a Katılım (participatory, Sharia-compliant) insurance model supervised by a dedicated Sharia board, serving retail and small commercial customers through personal lines products that span auto, home maintenance, health support, earthquake assistance, life cover, and private pensions. Its technology footprint centers on a web portal, the Bereket Mobil mobile application, a dedicated corporate pension portal, and 32+ online services that support self-service policy administration, premium payment, and claims initiation.

Distribution is hybrid: a nationwide tied agency channel is layered with cooperative reach through the Tarım Kredi network and association-based distribution via MÜSİAD, complemented by the TOGG partnership that links the insurer to the domestic electric vehicle ecosystem. The business model relies on premium income and investment returns from the life and pension fund book, plus general insurance premiums from the parallel Bereket Sigorta brand; customer segments include individual retail, agricultural cooperative members, SMEs, and corporate pension sponsors. Operational credibility is supported by ISO 9001 quality management certification, ISO 27001 information security certification, and Great Place to Work recognition, which together indicate a formalized governance stack typical of regulated insurers, though no AI-specific capabilities or financial disclosures are noted in the source material.

Name

Bereket Emeklilik ve Hayat A.Ş.

Legal name

Bereket Emeklilik ve Hayat A.Ş.

Website

https://bereketemeklilik.com.tr

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Bereket Emeklilik ve Hayat A.Ş. is a Turkish Sharia-compliant life insurance and individual pension company within Tarım Kredi Grubu, serving retail, cooperative, and SME customers through agents, digital channels, and ecosystem partnerships.

Ownership category

akta.pro rank

Product category

Life Insurance and Pensions

NAICS

Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Participating (Dividend) Whole Life Insurance (FSAIABAI)

akta.pro secondary industries

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Participatory life insurance
• Individual pension plans
• Group pension services
• Vehicle insurance products
• Personal accident coverage

Headquarters

HQ city

İstanbul

HQ country

Türkiye

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from policyholders covering automotive (Kasko, Traffic), health (Critical Illness, Travel Health), property (Home, DASK), and personal accident insurance products.
2. Individual Pension Contributions: Bireysel Emeklilik Sistemi (BES) contributions from individual participants, including government matching contributions and voluntary savings.
3. Corporate Pension Services: Group pension (Grup Emeklilik) and automatic enrollment (Otomatik Katılım) services for corporate clients.
4. Life Insurance: Hayat Sigortası products providing death benefit coverage and related life insurance services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Bereket Emeklilik ve Hayat A.Ş. is a Turkish participatory (Sharia-compliant) insurance and pension company offering life insurance, individual pension (BES), group pension, and automatic enrollment pension plans under the Bereket Emeklilik ve Hayat brand, alongside general insurance products (vehicle, health, home, personal accident, commercial, agricultural, and marine) offered through its affiliated Bereket Sigorta brand. Distribution is carried out through a nationwide agent network, an online self-service portal, the Bereket Mobil mobile application, and a dedicated corporate pension portal.

Product overview

Bereket Emeklilik ve Hayat A.Ş. operates as a dual-brand Islamic-compliant (participation) insurance and pension company under the Tarım Kredi Grubu (Agricultural Credit Cooperative Group). The company is organized into two primary brands: Bereket Sigorta (general insurance) and Bereket Emeklilik ve Hayat (pension and life insurance). Bereket Sigorta offers vehicle insurance products including Kasko (comprehensive), Zorunlu Trafik (mandatory third-party liability), and Yeşil Kart (Green Card cross-border) coverage; health insurance including Kritik Hastalıklar (critical illness), Seyahat Sağlık (travel health), Doktorum Benimle (emergency health), and Yabancılar için Sağlık (foreigner health); residential insurance including Bereketli Konut and DASK (mandatory earthquake); personal accident insurance including Arabam Mis, Bakımlı Evim, Deprem Destek, Güvenli Ferdi Kaza, and Bereket Ailem; commercial insurance including İş Yeri, Bereketli Kobi Paket, Devlet Destekli Alacak, Otel Paket, Bereket Akaryakıt, and Bereketli Ortak Alan; agricultural insurance; and marine insurance (Emtea Nakliyat, Yurtiçi Taşıyıcı Sorumluluk, Yat, Tekne İnşaat, Tekne Makine). Bereket Emeklilik ve Hayat provides pension products including Bireysel Emeklilik (BES) with multiple plan variants (Ekin Emeklilik Planı, Genç Hasat Katılım for under-18, Mehir Güvence Katılım, Kadın Güvence Katılım), Grup Emeklilik, Otomatik Katılım, and Hayat Sigortaları. The product portfolio also includes specialized investment funds such as the Kira Sertifikaları Katılım Emeklilik Yatırım Fonu (BHK). The company distributes products through multiple channels: physical agent network (Nareks, Life-in, Narline agent portals), online platforms (Bereket Mobil mobile app, web portals for individual and corporate customers), and direct sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Bireysel Emeklilik (BES) Individual Pension
• Grup Emeklilik (Group Pension)
• Otomatik Katılım (Auto-Enrollment Pension)
• Hayat Sigortası (Life Insurance)
• Kasko Sigortası (Comprehensive Motor Insurance)
• Zorunlu Trafik Sigortası (Mandatory Third-Party Liability)
• Yeşil Kart Sigortası (Green Card Insurance)
• Bereketli Konut Sigortası (Home Insurance)
• DASK Zorunlu Deprem Sigortası (Mandatory Earthquake Insurance)
• Deprem Destek Sigortası (Earthquake Support Insurance)
• Kritik Hastalıklar Sigortası (Critical Illness Insurance)
• Seyahat Sağlık Sigortası (Travel Health Insurance)
• Doktorum Benimle (Emergency Health Insurance)
• Yabancılar için Sağlık (Health Insurance for Foreigners)
• Güvenli Ferdi Kaza Sigortası (Personal Accident Insurance)
• Bereket Ailem Ferdi Kaza Sigortası (Family Personal Accident)
• Arabam Mis Ferdi Kaza (Vehicle-Related Personal Accident)
• Bakımlı Evim Ferdi Kaza (Home-Related Personal Accident)
• İş Yeri Paket Sigortası (Commercial Business Package Insurance)
• Bereketli KOBİ Paket (SME Package Insurance)
• Devlet Destekli Ticari Alacak Sigortası (Government-Supported Trade Receivables Insurance)
• Otel Paket Sigortası (Hotel Package Insurance)
• Bereket Akaryakıt Sigortası (Fuel Station Insurance)
• Bereketli Ortak Alan Sigortası (Common Area Insurance)
• Tarım Sigortaları (Agricultural Insurance)
• Emtea Nakliyat Sigortası (Cargo/Freight Insurance)
• Yurtiçi Taşıyıcı Sorumluluk Sigortası (Domestic Carrier Liability)
• Yat Sigortası (Yacht Insurance)
• Tekne İnşaat Sigortası (Boat Construction Insurance)
• Tekne Makine Sigortası (Boat Machinery Insurance)
• Bereket Mobil (Mobile Application)

Quantifiable outcome

• 32+ online services available to policyholders

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Tarım Kredi Grubu (Agricultural Credit Union Group)coreStrategic or Co-development PartnerBereket Emeklilik ve Hayat operates as part of the Tarım Kredi Group ecosystem, which includes Tarım Kredi Kooperatifleri (Agricultural Credit Cooperatives), Tarım Kredi Holding, and Tarım Kredi Sigorta. The company is affiliated with this large agricultural cooperative network, providing insurance and pension products to members and customers within the cooperative system.
• MÜSİAD (Independent Industrialists' and Businessmen's Association)minorGTM or Marketing PartnerMÜSİAD partnership for portfolio distribution (portfoy/musiad), targeting members of the independent industrialists' and businessmen's association for insurance and pension product offerings.
• TOGG (Turkish Automobile Initiative Group)coreStrategic or Co-development PartnerStrategic cooperation with TOGG to expand the service network, integrating Bereket's insurance services with TOGG's electric vehicle ecosystem. This partnership enhances Bereket's reach within the Turkish automotive market.

Scale indicators3 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• AgeSA Hayat ve Emeklilik: Pension and life insurer backed by Sabancı Holding and Ageas, operating in the same BES, Otomatik Katılım, and life insurance markets as Bereket. Comparable multi-distribution model with bancassurance depth.
• Anadolu Sigorta: One of Turkey's largest multi-line general insurers offering auto (Kasko), health, home, and commercial coverage comparable to Bereket Sigorta's portfolio. Direct competitor across most P&C lines with a much larger market share and agent network.
• Garanti Emeklilik ve Hayat: Pension and life insurance specialist affiliated with Garanti BBVA, directly competing with Bereket Emeklilik in BES individual pension, group pension, and auto-enrollment — the most direct head-to-head in Turkish life/pension.
• Halk Hayat ve Emeklilik: Life and pension insurer under Halkbank, offering comparable BES, group pension, and auto-enrollment products. Another state-bank-anchored direct competitor in the Turkish pension market.
• Ziraat Hayat ve Emeklilik: State-bank affiliated life and pension insurer with a similar captive distribution advantage via Ziraat Bank branches. Most direct structural parallel to Bereket's Tarım Kredi-anchored model in the Turkish life/pension segment.
• Vakıf Emeklilik ve Hayat: Pension and life insurer under Vakıfbank, directly competing for BES contributions and group pension mandates via Turkey's state-bank distribution channels.

Broad incumbents

• Allianz Sigorta: Major international insurer's Turkish operation offering broad P&C, life, and pension products with much larger scale, broader agent network, and stronger brand recognition than Bereket.
• AXA Sigorta: Global insurer with established Turkish presence across health, auto, home, and commercial lines — competing across the same product surface as Bereket with significantly greater scale and resources.
• Sompo Sigorta: International (Sompo Japan) insurer with Turkish operations providing P&C and specialty coverage across auto, home, and commercial lines — comparable multi-line product surface to Bereket Sigorta.
• Türkiye Sigorta: State-owned major Turkish insurer with the largest P&C market share, offering Kasko, DASK, health, and commercial coverage that directly overlaps with Bereket Sigorta's product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bereketemeklilikvehayat

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Bereket Emeklilik ve Hayat A.Ş.