GUIDED

For Life

For Generations

Ceylinco Life Insurance Limited

Integrated Annual Report 2025

For Life.

For Generations.

Our Commitment

GUIDED by Purpose

Everything we do is shaped by our responsibility to our policyholders, our commitment to a stronger future, and our care for the communities we serve.

Financial Highlights 2025

Key Performance Indicators

All figures in Sri Lankan Rupees · Year ended 31 December 2025

22nd

Consecutive Year of Market Leadership

GROSS WRITTEN PREMIUM

Rs.0.0 Bn

2024 Rs. 37.1 Bn
18.96%

TOTAL CLAIMS PAID

Rs.0 Bn

2024 Rs. 25 Bn
24.06%

TOTAL ASSETS

Rs.0 Bn

2024 Rs. 251 Bn
14.15%

LIFE FUND

Rs.0 Bn

2024 Rs. 181 Bn
11.56%

PROFIT AFTER TAX

Rs.0.0 Bn

2024 Rs. 7.0 Bn
10.97%

SHAREHOLDER TRANSFER

Rs.0.0 Bn

2024 Rs. 3.0 Bn
16.4%

SHAREHOLDER FUND

Rs.0 Bn

2024 Rs. 61 Bn
11.71%

EARNINGS PER SHARE

Rs.0.00

2024 Rs. 141.43
10.97%

DIVIDEND PER SHARE (PROPOSED)

Rs.0.00

2024 Rs. 17.70
10.73%

NET ASSETS PER SHARE

Rs.0.00

2024 Rs. 1,214.91
11.71%

Leadership Perspectives

Messages from our Leadership

R Renganathan

Chairman's Message

In 2025, Ceylinco Life Insurance continued to lead Sri Lanka's life insurance industry, building on a legacy of trust, reliability, and service excellence. This year was defined by disciplined execution, innovation, and a clear focus on our customers strengthening our foundation for long-term growth.

From expanding digital capabilities to enhancing distribution channels and risk management practices, every step we took was guided by a commitment to excellence, transparency, and sustainability. Our governance, capital resilience, and ESG initiatives reflect not just financial strength, but a dedication to creating lasting value for policyholders and stakeholders alike.

As Sri Lanka's economy recovers and customer needs evolve, we are ready to embrace new opportunities deepening relationships, delivering smarter solutions, and leveraging technology to make financial protection more accessible and meaningful. At the heart of our success are our people, our customers' trust, and the enduring confidence of our stakeholders. Looking ahead, Ceylinco Life remains committed to growth with integrity, innovation, and a steadfast focus on delivering value for everyone we serve.

R Renganathan

Chairman

E T L Ranasinghe

MD / CEO Message

In 2025, Ceylinco Life Insurance focused on turning strategy into action strengthening operational efficiency, enhancing customer relevance, and building capabilities for long-term resilience. We modernised processes, expanded digital platforms, and improved service delivery to make customer interactions faster, more accurate, and more convenient.

Our product portfolio evolved to meet changing needs, offering flexible protection, retirement, and savings solutions, while targeted engagement initiatives improved renewal persistency and customer value.

People remain at the heart of our execution. Investments in learning, leadership development, and digital literacy empowered employees and the agency force to perform with professionalism and purpose, while robust HR and wellness programs reinforced a culture of accountability and support.

Sustainability and social impact continued to guide our business. Green branches, renewable energy initiatives, ESG-focused investments, health camps, scholarships, and women-focused programs demonstrate our commitment to communities, the environment, and long-term value creation.

Looking ahead, we remain focused on quality growth, disciplined execution, and technology-enabled innovation, ensuring Ceylinco Life continues to deliver meaningful value to customers, employees, and stakeholders.

E T L Ranasinghe

MD / CEO

Vision • Mission • Purpose

NSEW

OUR TRUE NORTH

The enduring principles that shape every decision, every relationship, and every promise — anchoring Ceylinco Life's journey toward a future where every Sri Lankan family is protected and secure.

Vision

OUR GUIDING STAR

To take the message of life insurance and retirement planning to every Sri Lankan and provide protection to every family.

Mission

OUR PATH FORWARD

To become the most trusted, acclaimed and progressive life insurance company in Sri Lanka, by providing need-based life insurance solutions to our customers, recognising and rewarding our employees, creating successful partnerships with stakeholders and ensuring sustainable business practices for responsible and profitable growth.

Purpose

OUR TRUE NORTH

The enduring compass that shapes every decision — from product innovation to community investment — anchoring our journey toward a future where every Sri Lankan family is protected and secure.

Core & Values

Our Guiding Compass

The five PRIDE values that navigate every decision,
every relationship, and every promise we keep.

ESG & Sustainability Impact 2025

Ceylinco Life Turns
ESG Principles into Action

Guided by our commitment to sustainability, we focus on initiatives that protect the environment, empower communities, and strengthen social impact. With these guiding principles at the heart of our work, we integrate sustainable practices into everything we do — creating lasting value for people, the planet, and all our stakeholders.

CSR Initiatives

Community Impact

Pranama, Waidya Hamuwa, HDU Units, and Family Savari — four flagship programmes that embody Ceylinco Life's commitment to making a measurable difference in the lives of Sri Lankans.

Pranama

Scholarship Programme

Pranama

Empowering academically outstanding children from underprivileged backgrounds with scholarships and educational support — nurturing the next generation of Sri Lankan leaders.

3,466+Scholarships Awarded

Rs. 0.0Mn

Community Initiatives

2025

0

SDGs Supported

UN Goals

0+

Years of CSR

Since 1988

0

Districts Reached

Nationwide

Our ESG Commitment

Environmental

As the leading life insurer in the industry, we are committed to minimizing our environmental impact through efficient operations and by supporting sustainable practices that contribute to long‑term climate and societal resilience.

Social

We exist to protect lives and futures. We are dedicated to offering fair, transparent, and accessible life insurance solutions, fostering employee well‑being, and supporting the financial security of individuals, families, and communities.

Governance

Strong governance ensures trust and stability. We uphold high ethical standards, sound risk management, regulatory compliance, and transparent decision‑making to safeguard policyholder interests and ensure sustainable growth.

UN Sustainable Development Goals

Our SDG Contribution

Contributing to 15 of the 17 UN Sustainable Development Goals

SDG1

No Poverty

Life insurance solutions protect vulnerable families from financial devastation caused by loss of income or mortality events.

SDG2

Zero Hunger

Community investment programmes support food security and agricultural resilience in rural Sri Lanka.

SDG3

Good Health & Well-Being

Free medical camps, High Dependency Units in state hospitals, and rural healthcare outreach reaching 102,581+ beneficiaries.

SDG4

Quality Education

89 classrooms constructed, 3,466 Pranama scholarships awarded, and school infrastructure grants for underprivileged students.

SDG5

Gender Equality

Women-focused financial protection programmes and 56% female representation in the sales force.

SDG6

Clean Water & Sanitation

Community programmes supporting access to clean water and sanitation facilities across Sri Lanka.

SDG7

Affordable Clean Energy

Renewable energy generation of 6,215 MW and 32 green branch buildings powered by solar energy.

SDG8

Decent Work & Growth

Rs. 2.4 Bn in salaries and wages; 708 employees, 2,673 sales agents, and Rs. 2.75 Bn in commissions paid.

SDG9

Industry & Innovation

Digital transformation, modernised processes, and technology-enabled service delivery platforms.

SDG10

Reduced Inequalities

Inclusive insurance products ensuring coverage reaches all Sri Lankans, including rural and underserved communities.

SDG12

Responsible Consumption

1,606 local suppliers engaged; 15% screened for ESG criteria; Rs. 2 Bn in local procurement.

SDG13

Climate Action

Scope 1, 2 & 3 emissions: 2,765 tCO₂e; renewable energy initiatives and ESG-focused investment portfolio.

SDG14

Life Below Water

Coastal conservation programmes and environmental stewardship initiatives across Sri Lanka's coastline.

SDG16

Peace, Justice & Institutions

100% compliance and regulatory alignment; strong board oversight; ethical and transparent business practices.

SDG17

Partnerships for the Goals

Strategic partnerships with government, civil society, and global bodies to drive sustainable development across Sri Lanka.

Excellence · Recognition · Leadership

Recognized
for Excellence

Over two decades of market leadership — internationally acclaimed and nationally recognized for unwavering commitment to policyholders and sustainable growth.

Featured Highlights

Top Recognitions

Integrated Annual Report 2025

ABOUT THIS REPORT

Ceylinco Life Insurance Limited's 11th Integrated Annual Report, presented under the theme ‘Guided for Life. For Generations.’ This report reflects our continued leadership in integrated reporting, providing a comprehensive view of our financial performance, governance, strategy, and contributions to sustainable development.

The report has been independently assured and prepared in alignment with:

Sri Lanka Accounting Standards (SLFRS/LKAS)
Global Reporting Initiative (GRI) Standards
International Integrated Reporting (IR) Framework
Sri Lanka Sustainability Disclosure Standards (SLFRS S1 and S2)

11th

Integrated

Report

ESG

Driven

Reporting

4

Independent Assurance

Reports

This report offers a holistic view of our value creation story — demonstrating how Ceylinco Life balances financial resilience with its responsibilities to policyholders, employees, communities, and the environment.

Market Leadership

A LEGACY OF

LEADERSHIP

For 38 years, Ceylinco Life Insurance Limited has played a defining role in shaping Sri Lanka's life insurance industry. What began as a growing life insurance business has evolved into the country's undisputed market leader, guided by foresight, resilience, and an unwavering commitment to long-term protection.

Today, Ceylinco Life commands a dominant market share across key industry indicators, from premium income to total assets, reflecting decades of disciplined growth, trusted service, and consistent value creation for policyholders and stakeholders alike.

No.1
Market Share

Life Insurance Industry · Sri Lanka

Industry at a Glance

IndicatorIndustryGrowthCeylinco LifeGrowthContribution
Gross Written PremiumRs. 227.13 Bn23%Rs. 44.18 Bn19%19%
Benefits PaidRs. 104.70 Bn25%Rs. 31.37 Bn24%30%
Investment IncomeRs. 102.06 Bn1%Rs. 27.51 Bn(1%)27%
Profit Before TaxRs. 32.31 Bn(2%)Rs. 11.21 Bn12%35%
Total AssetsRs. 1,059.61 Bn15%Rs. 287.02 Bn14%27%

Source: Insurance Regulatory Commission of Sri Lanka (IRCSL) — Q4 2025

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