Apex Life Insurance vs Alfa Life Insurance: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Apex Life Insurance (Апекс Лайф Иншуранс) and Alfa Life Insurance (Альфа Лайф Иншуранс): NAPP figures, offices, products by type of insurance, compulsory motor liability, KASKO and online purchase on one page. Products and offices are as published on the companies’ websites on 23.10.2026.
In the NAPP report as of 01.07.2026, in life insurance: Apex Life Insurance — rank 1, Alfa Life Insurance — rank 4.
Also known as: Апекс Лайф Иншуранс and Альфа Лайф Иншуранс
Highlighted: more offices, more products that can be bought online and a higher app score. Premiums, payouts and the number of products are not highlighted: they show the size of a company, not the quality of its service. Policy prices are not compared here: companies price KASKO, voluntary health and other voluntary insurance individually, and the compulsory motor liability tariff is set by the state and is the same everywhere. The comparison is for reference: check the terms with the insurer.
The information is taken from insurers’ websites and may be out of date. Check conditions, tariffs and the licence status with the insurer. It is not a recommendation or an offer to conclude a contract.
NAPP figures
 Apex Life Insurance / Апекс Лайф Иншуранс |
 Alfa Life Insurance / Альфа Лайф Иншуранс |
|
|---|---|---|
| Rank in life insurance | 1 of 7 | 4 of 7 |
| Net premiums | 380.9 billion UZS | 26.2 billion UZS |
| Year on year | +53.4% | +45.2% |
| All premiums | 407.8 billion UZS | 26.2 billion UZS |
| Market share | 6.4% | 0.4% |
| Payouts | 76.1 billion UZS | 9.7 billion UZS |
| Payout ratio | 18.6% | 37% |
Source: NAPP report as of 01.07.2026; premiums and payouts are year to date, “Year on year” is premium growth against the same date last year. Net premiums are all premiums minus those ceded to reinsurers. The payout ratio is payouts divided by all premiums; it can exceed 100% because payouts are also made under contracts from previous years. NAPP report ↗
Offices
| Apex Life Insurance / Апекс Лайф Иншуранс |
Alfa Life Insurance / Альфа Лайф Иншуранс |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 14 |
| Service centres | 0 | 1 |
| Offices in total | 15 | 16 |
| Offices on the map | no | no |
Products by type of insurance
| Apex Life Insurance / Апекс Лайф Иншуранс |
Alfa Life Insurance / Альфа Лайф Иншуранс |
|
|---|---|---|
| Personal insurance | 9 | 12 |
| Health insurance | 4 | 2 |
| Travel insurance | 2 | 5 |
| Products in total | 15 | 19 |
| Compulsory motor liability (OSGO) | no | no |
| KASKO programmes | 0 | 0 |
| Can be bought online | 0 | 6 |
| With a published price | 1 | 0 |
The number of products follows the pages on the companies’ websites: one company splits a programme into several products, another combines them, so more products does not always mean a wider choice. Prices are not compared.
Apex Life Insurance · Alfa Life Insurance
About the companies
| Apex Life Insurance / Апекс Лайф Иншуранс |
Alfa Life Insurance / Альфа Лайф Иншуранс |
|
|---|---|---|
| Founded | 2019 | 25 May 2009 |
| Charter capital | 230 billion UZS | more than 40,3 billion UZS |
| Phone | +998 71 209-77-66 | +998 78 120-01-37 |
| Company website | apexlife.uz ↗ | alfalife.uz ↗ |
Compare Apex Life Insurance with another company
Compare Alfa Life Insurance with another company
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Frequently asked questions
Which company is bigger — Apex Life Insurance or Alfa Life Insurance?
In the NAPP report as of 01.07.2026, in life insurance, Apex Life Insurance is at rank 1 and Alfa Life Insurance at rank 4. Net premiums year to date: Apex Life Insurance — 380.9 billion UZS, Alfa Life Insurance — 26.2 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Apex Life Insurance and Alfa Life Insurance?
In the NAPP report as of 01.07.2026: Apex Life Insurance — 18.6%, Alfa Life Insurance — 37%. This is payouts divided by premiums year to date; it can exceed 100% because payouts are also made under contracts from previous years. The payout ratio alone does not make a company better or worse.
Which company has more offices — Apex Life Insurance or Alfa Life Insurance?
According to the companies’ websites: Apex Life Insurance has 15 offices, Alfa Life Insurance has 16 offices.
Where can more policies be bought online — Apex Life Insurance or Alfa Life Insurance?
Links to buy online: Apex Life Insurance — 0 products, Alfa Life Insurance — 6 products. The company itself, not this site, arranges and issues the policy.