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Insurance
Protection for what you can’t afford to lose — your health, your vehicle and your family’s income.
Health · Motor · Group life
Financial access, built around real life
Cover, savings and credit that reach where banks don’t.
Numen Capital uses technology to distribute pensions, insurance and loans to individuals and groups — whether you’re on a company payroll or you run your own stall, taxi or trade.
Built for Ghana
For salaried professionals, self-employed traders, associations, cooperatives and employers.
One point of entry
Three products. One clear path forward.
We distribute the right products to the right people, matching you or your group to a plan that fits how you actually earn and live.
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Pensions
A retirement plan built for you, even if you’ve never had a payslip or employer pension scheme.
Tier 3 · Master Trust
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Loans
Credit that matches how money moves through your business or household — not a rigid bank product.
Cash · Hire purchase · Top-up
One distribution network
Two economies. One way to move forward.
Most financial products are built for people with a payslip. Our network reaches the other side of the economy too — without leaving the first side behind.
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Formal sector
Solutions for employers, teams and salaried professionals.
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Informal sector
Access designed around how traders, drivers and independent workers earn.
Our services
The right product begins with the right conversation.
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Pensions
Build a retirement plan around the way you earn today.
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Individual Tier 3 Pension
Long-term retirement savings for people who want to make personal contributions.
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Master Trust Pension
A structured pension pathway for employers and groups supporting their members.
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Insurance
Protect the people and assets that keep life moving.
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Health Insurance
Health cover options matched to individuals, families and groups.
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Motor Insurance
Protection for private and commercial vehicles.
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Group Life Insurance
Collective life cover designed for organisations and member groups.
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Loans
Access credit suited to a practical need and realistic repayment path.
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Cash Loan
Personal credit for immediate needs, assessed against your circumstances.
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Hire Purchase
A pathway to acquire essential assets through structured payments.
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Payoff / Top-up Loan
Options for eligible borrowers who need to restructure or extend existing credit.
About Numen
Trusted partnership. Lasting impact.
Numen Capital Limited is a financial distribution company using technology to bring pensions, insurance and loans closer to people and organisations across Ghana.
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Clarity
Straightforward product guidance, expressed in language people can use.
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Reach
A distribution model designed to serve formal and informal sectors.
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Human contact
Digital convenience backed by real advisors and practical follow-through.
Contact
Start with a simple conversation.
Tell us whether you’re looking for a pension, insurance or loan. An advisor will help you understand the next step.
A clearer next step