General News
What Can Delay Life Insurance Claims
Claims making and payment are the most challenging aspects of life insurance and indeed any area of insurance. Often times, prospective insurance buyers do not take time to do all that are expected of them at the point of buying the life insurance. Life insurance claims occur when an insured person passes away. And if one understands what is involved during the claims process, then he can help prevent any delays in payment. There are a number of factors that can cause delays in a claim being paid and knowing what these factors are can help you make the claims process happen much faster and avoid any delays. Life insurance is purchased to provide financial protection for those left behind and when you purchase this coverage you want the benefits to be available as soon as possible to avoid any financial hardships. Life insurance claims involve a number of steps and during each step any mistakes or omissions can cause a delay, which could be short or take months to redeem, depending on the specific reasons for the delay. The first step is to locate the actual policy, which has information that will be needed. Look at the policy to determine the life insurance company that is on the policy and then contact the insurer. Usually the policy will contain all the relevant information on who to contact regarding a claim. If you can not locate the policy but know the company who offered it then you can call the company and explain the situation.
The next step for life insurance claims is to fill out the claim form. This is usually sent by the life insurance company. This step is very important and the form should be filled out completely and as comprehensive as possible. If you do not know the answer or it does not apply make sure it is clearly written in the answer space. Do not leave any questions blank, because this will delay the claim payment while the company investigates the answer. It is also very helpful to have the policy number, because this will make the life insurance claims process go much faster. If you are not sure of an answer or do not know, you can call your insurance agent, your broker or the life insurance company. They may be able to look up any missing information if it is in the database and providing this on the claim form may prevent any unnecessary delays. Another important part of the life insurance claims process is the death certificate. After you have filled out the claim form completely, you will need to get a certified copy of the death certificate for each claim being sent in. It may be a good idea to call first and determine where to go to get this certificate. You may be able to get the needed copies from the hospital if one was used, or you may have to go to either the local government that the deceased resided in or the state where the death occurred. A claim without a certified copy of the death certificate may be delayed or even denied. Once you have the required death certificate, send it together with the completed life insurance claims forms to the life insurance company. These tips can help you avoid any delay in the claim payment. However one topical question to ask is when does an insurance claim delay becomes an insurance claim dispute. It is only disreputable insurance companies that apply delay tactics to frustrate claimants. And this is based largely on the premise that by forcing you to wait for settlement of your claim, you will eventually give up. Giving up translates to less or no money for the claim payment and thus more money for the insurance company. This unholy practice used to be in place in Nigeria when we had over hundred insurance companies with some of them unregistered and unregulated. In furtherance of this endeavor, carriers will utilize a variety of tactics to delay your claim through a process dubbed "claim management". Insurance consumers must arm themselves with sufficient knowledge to identify the difference between legitimate insurance claim investigations and illegitimate claim delays. An insurance company has a right, a duty in fact, to conduct insurance claim investigations. The key here is that the investigation must be reasonable and timely. Insurance policies require that the insured must cooperate with the carrier in matters concerning a claim. These conditions are generally included in the petition. Accordingly, it is reasonable for your insurer to ask you for specific documents or items related to your claim. By all means, it is advisable to comply with requests for relevant information and data. Likewise, it is important to cooperate with the insurer’s request, including your recorded statement, proof of lost documents which must be supported with affidavits. If one fails to comply with these reasonable requests, such a person may be putting himself in jeopardy of a lengthy investigation and a probable claim denial. Some of the delay tactics that insurance companies utilize include confirmation of coverage. Your adjuster may cling to some little issues as "confirm coverage" which is based on the terms of the insurance policy. Flawed, faulty, or unfair policy interpretation is also one of the more common examples of unfair tactics insurance companies often use to delay claims. This process is frequently no more than a search for reasons not to pay claims. Requirement for a follow-up recorded statement is another plot. In a legitimate claim, follow-up statements should not be necessary. While the adjuster has the duty to properly investigate the claim, he also has the obligation to keep you abreast of the status of your insurance claim. If a claimant is experiencing to the level that he is continuously told that "the claim remains under investigation", then one should assume that a problem of denial was looming. In making claims, investigations are crucial to the final outcome, one of which is referral to the special investigations unit. Such referrals are legitimately a means to investigate potential insurance fraud. However illegitimate referrals represent a process designed to avoid payment of insurance claims. One other trick of insurance companies is examination under oath. This is a formal proceeding taken under oath and is usually convened when the carrier legitimately requires additional detailed information from the policyholder in order to make a coverage decision. When such is used illegitimately, it is aimed at unfairly targeting claims for denial. In either event, if you are called for an examination under oath, it means there is a problem with your claim. Having known these, it is instructive to be on the alert while also considering stand by solution to any such delay tactics. One of the ways to frustrate such evil plots is to continue to cooperate, no matter the approach of the insurer to frustrate you. It is better to assume the position that you have cooperated to the fullest extent possible. This places additional burdens on the insurance company. This is more so as they cannot argue that their processes were delayed solely because you "failed" to cooperate. It is also important that you call the adjuster frequently, behaving courteously as you do. In doing so, always be prepared to ask specific questions about the progress of your claim rather than engaging in boring conversation. Always offer to provide any additional information needed. An insurance company’s failure to properly conclude your legitimate insurance claim suggests the essence of unfair claims handling. Document all activities in anticipation of unfair settlement offers or an outright denial in case your claim delay has qualified as a claim dispute.
General News
SSDC Warns Businesses against Cyber, Election-Related Risks

Security Skills Development Company (SSDC) has released its 2026 Security Outlook, highlighting four major security challenges expected to shape Nigeria’s business and operating environment as the country moves closer to the 2027 general election.

The report, developed from a nationwide survey and expert contributions at the recently concluded Security Thought Leadership Roundtable, identifies internal security threats, protection of national assets, cyber risks and election-related instability as the most significant concerns facing organisations and institutions in the coming year.
According to SSDC, findings from the survey and stakeholder discussions reveal growing concern over the increasing complexity of security challenges and their potential impact on business continuity, economic stability and public confidence.
A substantial number of respondents identified internal threats within organisations as an emerging risk, pointing to the need for stronger corporate governance, workforce integrity measures and structured risk management systems.
Security experts at the roundtable noted that weaknesses in critical public infrastructure and national assets could have far-reaching consequences for the economy and national development if not adequately addressed.
The report also highlights cybercrime as a persistent and evolving threat to both public and private sector institutions.
Participants stressed the importance of strengthening cyber resilience through proactive monitoring, investment in technology-driven safeguards and improved security awareness.
Another key concern raised in the outlook is what SSDC described as the “2027 Election Shadow.” Many respondents expressed concerns about the possibility of heightened political tension as the election season approaches, warning that uncertainty and security disruptions could affect business operations, investment decisions and overall economic confidence.
Speaking on the report’s findings, Mike Igbodipe, managing director, SSDC, called for a more strategic approach to security management across both public and private sectors.
He said organisations must move beyond reactive security measures and integrate security considerations into their broader strategic planning and decision-making processes. He also advocated the development of a gold-standard, locally certified training programme for security professionals tailored to Nigeria’s unique security environment.
SSDC, a security training and consulting firm focused on advancing professional standards in Nigeria’s security sector and strengthening industrial resilience through capacity building and strategic expertise, said the Security Outlook forms part of its ongoing thought leadership initiative aimed at promoting informed dialogue on national security, institutional resilience and risk management.
The company reaffirmed its commitment to supporting stakeholders through research, training and strategic advisory services designed to improve preparedness and response to emerging security challenges.
General News
Moniepoint DreamDevs Bootcamp Graduates Second Cohort to Strengthen Homegrown Talent Pipeline

Moniepoint Inc., Africa’s leading digital financial services provider, has officially graduated the second cohort of its flagship DreamDevs Bootcamp, marking a significant milestone in the company’s ongoing effort to build world-class engineering talent from the ground up.

The graduation was celebrated at a Demo Day event held in Lagos, themed “Training Done! Demo Up!”, where participants presented capstone projects built to real-world engineering standards.
The graduation comes at a crucial time for Africa’s tech ecosystem. Although Nigeria’s tech talent is growing, it isn’t sufficient, especially at the mid-to-senior engineering level, where demand far exceeds supply. By 2030, the global shortage of software developers could reach 85 million, leading to economic losses of $5.5 trillion. For a continent developing its digital infrastructure, this is critical. Moniepoint’s DreamDevs Bootcamp is a strategic response to these challenges.
The nine-week curriculum, created by Moniepoint’s Engineering Unit in partnership with Semicolon, covered Java Object-Oriented Programming, Data Structures and Algorithms, Software Testing, MySQL, Spring Boot APIs, System Design, Docker, Messaging Queues, Frontend UI, and Cloud Infrastructure. Participants received programme stipends and mentorship from experienced Moniepoint software engineers, gaining valuable exposure to the production environment of one of Africa’s fastest-growing fintech firms.
During the Demo Day presentation, the participants paired into 9 teams were excited to showcase how they have deployed knowledge and skills gained during the course of the bootcamp into real and useful solutions in real estate, hospital management, event management, food and agriculture.
Commenting, Felix Ike, Co-Founder and Chief Technology Officer of Moniepoint, said, “DreamDevs is a structural investment in Nigeria’s digital economy, not a recruitment exercise, not a pipeline built solely to serve Moniepoint’s hiring needs. That said, we are proud that some graduates from our first cohort are already active members of our engineering team, proof that when young African engineers are given the right training and the right environment, they can compete at the highest level”.
Felix added that “Engineering excellence is not a naturally occurring phenomenon. It is a curated and intentionally built process that requires the right systems, the right resources, and sufficient time to take hold. Building that process and making it accessible to the brightest young engineers on this continent is a responsibility we have chosen to own.
Africa’s digital economy is attracting significant global capital, yet the talent infrastructure required to sustain that growth remains underdeveloped. The DreamDevs Bootcamp and our other capacity-building initiatives across some of Nigeria’s public universities demonstrate Moniepoint’s commitment to this responsibility.
The initiative also aligns with Nigeria’s broader national agenda on technology skills development. Moniepoint serves as a key sponsor of the Federal Government’s 3 Million Technical Talent (3MTT) programme, which focuses on mass technical skills training across the country. While 3MTT addresses the scale challenge, DreamDevs provides depth, offering a specialised, end-to-end pathway from foundational training through to employment within Moniepoint’s complete development ecosystem.
As Nigerian fintechs deepen their infrastructure ambitions, the ability to grow engineering capacity that feeds these aspirations requires an urgent industry intervention, as Moniepoint is demonstrating to address Africa’s engineering talent challenge.
General News
NITDA, Benin’s Digital Agency Strengthen Ties on Digital Transformation

The National Information Technology Development Agency (NITDA) and Agence des Systèmes d’Information et du Numérique (ASIN), the Information Systems and Digital Agency of the Republic of Benin, have moved to strengthen bilateral cooperation on digital transformation, digital public infrastructure, and innovation-driven governance.

The commitment was reaffirmed during a courtesy visit by the Beninese delegation to NITDA’s corporate headquarters in Abuja, where discussions centred on deepening bilateral cooperation, sharing best practices, and advancing digital development across the region.
Speaking during the engagement, the Director General of NITDA, Kashifu Inuwa, represented by the Director of Stakeholder Management and Partnerships, Dr. Aristotle Onumo, said regional collaboration remains critical to advancing Africa’s digital economy and building resilient digital ecosystems capable of supporting sustainable growth.
He noted that NITDA is committed to driving Nigeria’s digital transformation through the development of policies, standards, and strategic frameworks designed to modernise governance and improve service delivery across the public sector.
According to him, the agency has developed several foundational frameworks, including the Enterprise Governance Framework, Digital Transformation Framework, and Software Quality Assurance Framework, to guide Ministries, Departments, and Agencies (MDAs) in their digital transformation journeys.
“Our goal is to move government institutions beyond basic digitalisation to full digital transformation, and ultimately, to build an intelligent, data-driven government powered by emerging technologies such as artificial intelligence,” he said.
Inuwa also disclosed that since 2018, NITDA has reviewed over ₦1.5 trillion worth of government IT projects to ensure compliance, technical alignment, and value for money.
He said the intervention has helped the Federal Government save more than ₦300 billion by eliminating duplication, promoting shared services, and improving the success rate of digital projects across ministries, departments, and agencies.
On digital public infrastructure, he revealed that Nigeria has transitioned from fragmented agency-to-agency data exchanges to a more integrated and citizen-centred digital ecosystem through the Nigerian Data Exchange (NGDX) platform.
He explained that the platform provides a federated and centralised framework for seamless data exchange among government institutions while preserving the autonomy of individual information systems.
According to him, the proposed e-Government and Digital Economy Bill will provide the legal backing needed to strengthen the platform and institutionalise digital collaboration across government.
The DG further highlighted NITDA’s Strategic Roadmap and Action Plan (SRAP 2.0) 2024–2027, which aligns with the Federal Government’s Renewed Hope Agenda and focuses on critical areas such as digital literacy, research and development, cybersecurity, innovation, inclusive access, and strategic partnerships.
Earlier, the Head of International Partnerships at ASIN, Tildy Erlong, said the delegation’s visit followed a recent Smart Africa workshop in Abuja and was aimed at strengthening institutional ties and learning from Nigeria’s digital transformation experience.
She described ASIN as the operational agency under Benin Republic’s digital ministry, responsible for implementing strategic digital development projects across the country in collaboration with key institutions, including the national identity agency, ANIP, and the cybersecurity agency, CENIN.
Erlong highlighted Benin’s achievements in digital public infrastructure, noting that about 98 per cent of the country’s population—approximately 13.6 million citizens—has been enrolled on its digital identity platform.
She added that more than 60 government agencies and service institutions are connected through Benin’s XROAD interoperability platform, enabling the delivery of over 250 digital services to citizens.
According to her, Benin is also prioritising digital inclusion, open-source systems, and the deployment of artificial intelligence to improve service delivery in sectors such as healthcare, education, and justice.
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