The insurance industry continues to evolve as individuals and businesses seek greater convenience, broader protection and more responsive services.

In Oman, Liva Insurance represents a new chapter built on the combined experience and capabilities of two established insurance businesses, National Life & General Insurance Company (NLGIC) and Al Ahlia Insurance.

In 2023, the two businesses came together under the Liva brand, creating a multi-line insurance company with a broader portfolio, enhanced capabilities and a unified vision for the future.

Bringing Experience Together

The integration brought together complementary expertise, resources and market experience, creating a stronger platform to serve individuals, families and businesses.

More than the introduction of a new brand, the transformation into Liva was centred on building a more integrated, agile and customer-focused insurance organisation.

Today, the company builds on a legacy spanning more than 80 years of insurance experience across the GCC, combining longstanding market knowledge with a forward-looking approach.

A Broader Insurance Portfolio

One of Liva’s key strengths is the breadth and diversity of its insurance offering.

Its portfolio spans motor, health, life, travel, home, personal accident, credit life, savings and a wide range of commercial and general insurance solutions.

For businesses, Liva provides solutions across areas including motor fleets, engineering and construction, marine cargo, fire, workmen’s compensation, money, fidelity guarantee, and contractor’s plant and machinery, supporting companies across different sectors and stages of growth.

Digital Transformation and Customer Experience

Alongside the expansion of its capabilities, Liva continues to invest in digitalisation and customer experience.

Its digital platforms enable customers to obtain quotations and access a range of insurance services, supported by customer service channels including its call centre and WhatsApp.

This focus reflects Liva’s ambition to make insurance simpler, more accessible and more responsive to evolving customer needs and expectations.

Recognition and Continued Development

Liva’s transformation and continued development have also been recognised by the industry.

The company has received a number of regional and international awards and recognitions for insurance excellence, innovation and leadership. In 2025, these included the “Insurer of the Year” award from International Business Magazine, as well as multiple recognitions at the Alam Al-Iktisaad Awards.

These achievements reflect the progress made as Liva continues to strengthen its capabilities, enhance customer experience and build on the combined strengths of its legacy businesses.

Looking Ahead

As Oman continues to advance across its commercial, industrial, infrastructure and service sectors, the need for flexible, reliable and customer-focused insurance solutions continues to grow.

Liva’s evolution from two established insurance businesses into a unified multi-line insurer reflects a strategic focus on combining experience with innovation, strengthening capabilities and placing customers at the centre of the insurance experience.

With decades of insurance expertise behind it and a clear focus on innovation, digitalisation and customer service, Liva continues to strengthen its role in Oman’s evolving insurance landscape.