Türkiye Sigorta and Türkiye Hayat Emeklilik Hit Record Profit With 5.8B Dollar Market Value Surge

Türkiye Sigorta and Türkiye Hayat Emeklilik delivered a historic financial performance in 2025, cementing their leadership across Turkey’s life insurance, non-life insurance, and private pension markets. The two companies closed the year with a combined net profit of 35 billion TL, while their total market value surged to $5.8 billion, up dramatically from approximately $900 million in 2020. This five-year expansion marks one of the most significant growth trajectories in Turkey’s financial services sector.

Founded in September 2020 through a $900 million investment by the Turkey Wealth Fund, Türkiye Sigorta and Türkiye Hayat Emeklilik have rapidly evolved into the country’s dominant insurance and pension platform. Their growth has been driven by a customer-focused business model, widespread distribution network, innovative product design, and disciplined capital management, allowing them to consistently outperform the broader sector.

Five-Year Transformation Built on Scale and Strategy

Commenting on the milestone, Türkiye Sigorta General Manager Taha Çakmak emphasized that the company’s success was rooted in unity and long-term vision.
“Over our five-year journey, we grew by uniting, and by growing together, we achieved success,” he said.

Çakmak noted that the company’s strategy has been shaped around five core pillars: unification, growth, success, togetherness, and continuous movement forward. He stated that 2025 was completed with an exceptionally strong finish, breaking internal records while delivering performance well above sector averages.

In the non-life insurance segment, Türkiye Sigorta generated 147.1 billion TL in premium production, creating a gap of nearly 32 billion TL compared with its closest competitor. Within the private pension system (BES), total fund size reached 494.1 billion TL, exceeding the nearest rival by 92 billion TL. Life insurance premium production doubled year-on-year to 29.3 billion TL, reinforcing leadership across all major branches.

Market penetration figures further underline this dominance. One out of every five fire insurance policies in Turkey is now issued by Türkiye Sigorta. In individual product lines, customer growth continued steadily, with health insurance policies surpassing 1 million and motor insurance policies approaching 1 million by year-end.

Below-Inflation Pricing Expands Insurance Accessibility

A central element of the companies’ growth strategy has been affordability. Çakmak highlighted that pricing policies were deliberately kept below inflation to broaden access to insurance.
“By maintaining a pricing strategy below inflation, we are making insurance more accessible for everyone,” he said.

Throughout 2025, Türkiye Sigorta offered 12 interest-free installment options and targeted discounts for motor, housing, and health insurance products, easing the financial burden on households. On the pension side, Türkiye Hayat Emeklilik launched campaigns providing up to 20,000 TL in additional benefits, directly supporting long-term savings and participant growth.

No Price Increases Planned for Early 2026

Looking ahead, the company announced a consumer-friendly stance for the start of 2026.
“In the first quarter of 2026, we decided to continue with 2025 prices for individual motor and health insurance products, without any price increases,” Çakmak stated.

He added that the 12-installment payment option for motor, health, and housing insurance would remain in effect, reinforcing the goal of making insurance both accessible and affordable.

Expanded Protection Against Catastrophic Risks

Türkiye Sigorta also strengthened its risk management capabilities in response to Turkey’s exposure to natural disasters. The company increased its catastrophic protection capacity from $1.8 billion to $2.4 billion. Fire insurance reinsurance capacity reached $190 million, while construction reinsurance capacity rose to $138 million, supporting strong growth in corporate and commercial insurance segments.

Pension Funds Deliver Above-Market Returns

Türkiye Hayat Emeklilik continued to stand out through strong investment performance. By the end of 2025, total pension fund size reached approximately $11.5 billion, providing a substantial source of long-term funding for the Turkish economy. While the sector’s average fund return stood at 58%, Türkiye Hayat Emeklilik delivered an average return of 65% to its participants.

Çakmak emphasized the importance of investment diversity, noting that the company offers 48 different pension funds, ranging from gold and equities to lease certificates, agriculture, and food-themed funds. Fund sizes range from 10 million TL to 100 billion TL, giving Türkiye Hayat Emeklilik one of the most comprehensive fund portfolios in the sector.

Service Quality, AI Integration, and Digital Leadership

Service quality remains a major differentiator. Türkiye Sigorta introduced a sector-first commitment to 100% original spare parts in individual motor claims. Approximately 90% of motor claims receive repair approval within five days, and 40% of repairs are completed within 15 days.

In health insurance, a nationwide contracted hospital network combined with AI-powered authorization systems has significantly improved processing speed. Around 90% of health claims are evaluated within 5 seconds, while the remaining are resolved in under 5 minutes on average. For 2026, the company aims to reduce overall operational completion times to under two days, further enhancing customer experience.

Profitability, Dividends, and Capital Strength

Financial results underline sustained momentum. Türkiye Sigorta increased net profit by 53% to 19.4 billion TL, while premium production rose 45% year-on-year. Türkiye Hayat Emeklilik achieved a net profit of 15.5 billion TL, up 67%, alongside a fund size of 494.1 billion TL and 5 million participants. Combined net profit grew 59%, surpassing the previous record of 22 billion TL and marking a 13-fold increase in profitability over five years.

Since September 2020, the companies have distributed $465 million in dividends, equivalent to 11.2 billion TL. With return on equity reaching 48% at Türkiye Sigorta and 62% at Türkiye Hayat Emeklilik, both companies enter 2026 focused on market leadership, sustainable profitability, digital transformation, and superior customer experience.