Bismillahir Rahmanir Raheem,
Dear Valued Shareholders, Policyholders, and Stakeholders,
Assalamu Alaikum Wa-Rahmatullah.
It is my great pleasure to present the Integrated Annual Report of Chartered Life Insurance PLC. for the year ended 31 December 2025.
The year 2025 was a period of rebuilding, transformation, and renewed confidence for our Company. Following a particularly challenging operating environment in the previous year, we remained focused on strengthening our financial discipline, improving operational efficiency, enhancing governance practices, and creating sustainable value for our policyholders and shareholders. Our unwavering commitment to integrity, customer service, and prudent management enabled us to make meaningful progress despite continued economic and industry challenges.
Reflecting on 2025
The life insurance industry in Bangladesh continued to face a number of structural and economic challenges during 2025. Inflationary pressures, changing consumer spending patterns, increasing operational costs, and a highly competitive market required insurers to remain agile and disciplined in their strategic decisions
Against this backdrop, CLICPLC concentrated on strengthening its core business fundamentals. The Board and Management implemented a series of initiatives to improve operational efficiency, optimize management expenses, strengthen internal controls, and reinforce the Company's long-term financial sustainability. These initiatives included organizational restructuring, rationalization of operating costs, process improvements, greater utilization of technology, and enhanced performance management across the organization.
Throughout the year, our foremost priority remained our policyholders. We continued to honour our commitments by ensuring prompt settlement of policyholders claims in 3 to 7 days. The overall claim settlement ratio is 99.08%. The confidence and trust placed in us by our policyholders continue to be our greatest strength and the foundation of our long-term success.
We also continued investing in FA recruitment, digital capabilities, improving operational resilience, and developing our human capital to prepare the Company for future growth.
One of the significant achievements during the year was the improvement in our overall financial performance compared to the previous year. As a result of improved business performance and prudent financial management, the Board of Directors has recommended a 4% cash for the general shareholders, excluding sponsors and directors, subject to the approval of the shareholders at the forthcoming Annual General Meeting and compliance with applicable regulatory requirements. This recommendation reflects the Company's gradual recovery and demonstrates our commitment to delivering sustainable returns while maintaining financial stability.
Looking Ahead
As we move into 2026, our focus will remain on sustainable growth, profitability, operational excellence, and enhanced stakeholder value. We will continue to strengthen our distribution network, improve service quality, optimize business processes, enhance digital capabilities, and maintain the highest standards of governance and compliance.
The Board continues to support investments in digital transformation, customer experience enhancement, product innovation, talent development, enterprise risk management, and operational excellence. We firmly believe that these strategic priorities will strengthen our competitive position and enable us to respond effectively to the evolving needs of our customers and the rapidly changing insurance landscape.
On behalf of the Board of Directors, I extend my heartfelt appreciation to our valued shareholders, policyholders, customers, business partners, regulators, employees, and all other stakeholders for their continued confidence, trust, and unwavering support. I also express my sincere gratitude to the Insurance Development and Regulatory Authority (IDRA), Bangladesh Securities and Exchange Commission (BSEC), Dhaka Stock Exchange PLC., Chittagong Stock Exchange PLC., and all other regulatory authorities for their valuable guidance and support. Together, we will continue to strengthen Chartered Life Insurance PLC., embrace new opportunities, overcome future challenges, and create sustainable value for generations to come.
May Allah (Subhanahu Wa Ta'ala) continue to bless our endeavours and guide us towards continued success.


Thanking you all
Engr. Md. Nurul Aktar
Chairman