Digital life insurance in the Freedom ecosystem
Freedom Life Insurance Company JSC
Freedom Life is a Kazakhstani life insurance company that has been operating on the market since 2014 and is part of the international investment group Freedom Holding Corp. The company's main goal is to move life insurance to a fully online format: most programmes can be taken out remotely in a few minutes. Its product line includes more than 40 insurance products, and the number of clients exceeds 2.6 million.
The company's journey
The insurer began operating in Kazakhstan in 2014 and has been developing under the Freedom brand since late 2018. In 2022 the company joined Freedom Holding Corp., a holding whose shares are listed on the Nasdaq Capital Market. Today Freedom Life is part of the Freedom digital ecosystem, and its clients can use insurance products together with the group's other services.
In recent years the company has launched a number of fully digital products: online coronavirus insurance, subscription-based critical illness insurance, and several online life insurance programmes, including savings plans. Freedom Life works actively with major Kazakhstani e-commerce platforms, and in 2026 it announced that transferring pension savings from the UAPF (ENPF) to the company to purchase an annuity is now done entirely online.
| Full name | Freedom Life Insurance Company JSC |
|---|---|
| On the market | since 2014; Freedom brand since late 2018 |
| Group | Freedom Holding Corp. (since 2022) |
| Licence | No. 2.2.14 of 22 July 2024, issued by the ARDFM |
| Ratings | S&P Global Ratings "BB+" / "kzAA", outlook "Stable" (reviewed 03.10.2025); Moody's Ratings IFSR "Baa3", outlook "Stable" (04.09.2026) |
| Reinsurance | General Reinsurance AG (Germany) |
| Scale | more than 40 products, more than 2.6 million clients |
| Official website | ffin.life |
Ratings and protection of obligations
In September 2026 Moody's Ratings assigned Freedom Life an insurance financial strength rating of "Baa3" in national and foreign currencies with a stable outlook. This is an investment-grade rating. S&P Global Ratings rates the company at "BB+" on the international scale and "kzAA" on the national scale, also with a stable outlook. Additional protection for the portfolio is provided by reinsurance with the German General Reinsurance AG, which holds high ratings from S&P and Moody's.
Programmes for individual clients
Freedom Health
A health subscription: coverage of treatment costs for critical illnesses of up to 1 million US dollars.
Freedom Capital
Savings life insurance in US dollars and euros with round-the-clock protection worldwide.
Freedom Kids and Keleshek
Savings for a child's future combined with insurance protection; Freedom Future is a savings life insurance plan.
Pension annuity
Converting pension savings into regular payments; the Freedom Life programme as an additional way to save for retirement.
Travel
Freedom Sayakhat is online travel insurance, Freedom Fly covers flights, and Freedom Train protects against accidents during journeys.
Sport and accidents
Freedom Sport protects athletes during training and competitions; Freedom Protect is affordable accident protection.
Solutions for employers
For companies, Freedom Life offers compulsory employee accident insurance, voluntary group insurance, corporate critical illness insurance, and the Freedom Security and Freedom Team programmes, which provide additional life and health protection for staff. Compulsory tourist insurance for tour operators is also available separately.
- compulsory employee accident insurance;
- group life and health insurance for employees;
- corporate critical illness protection;
- compulsory tourist insurance.
How to report an insured event
Report the event
Contact Freedom Life through the contact centre or the company's official online channels as early as possible.
Prepare a claim
State the policy number, the insured person's details and a description of what happened.
Collect documents
Medical and other supporting documents, according to the list in the insurance rules of your programme.
Receive payment
After reviewing the documents, the company makes a decision and transfers the compensation.
Important: for subscription and foreign-currency programmes, check the contract currency, coverage limits and exclusions before paying; they are set out in the insurance rules on the official website.
Freedom Life with support from Dynasty
Dynasty will help you choose a suitable Freedom Life programme, compare it with offers from other life insurers and calculate the premium in the calculator. A Dynasty manager will guide you through the application and advise you on the steps to take if you need to receive a payment.