<h2>About Us</h2>															<img width="393" height="393" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2.png" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2.png 393w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2-300x300.png 300w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2-150x150.png 150w" sizes="(max-width: 393px) 100vw, 393px" />																										<img width="479" height="595" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-30-57.png" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-30-57.png 479w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-30-57-242x300.png 242w" sizes="(max-width: 479px) 100vw, 479px" />																		
									<h3>
							Consult? Call Us						
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									<p>
						+260 (211) 254 841					</p>
							<h2>About Us</h2>					<h2>About Us </h2>		<p data-start="627" data-end="876">Aflife Holdings Limited is a Zambian-based holding company which has subsidiaries and associates operating across non-bank financial services sectors. Its history can be traced to 1992 when Anglo American Corporation created a division to manage the pension funds of its subsidiaries, which then morphed into a fully-fledged pension fund management and administration company. Over the years, and in line with desire to cater for the needs of a growing client base, the Group now consists of subsidiaries focusing on investment management, pension fund administration and consultancy; property development and management, financial advisory services as well as mortgage origination and financing. Although Afhold is majority owned by Zambians and rooted in Zambia, its other shareholder, the BIHL Group of Botswana, is a subsidiary of the Sanlam Group, the largest insurance group on the African continent.</p><p>Afhold provides both operational support to its subsidiaries through shared services as well as strategic support through monitoring and implementation of the subsidiaries’ strategies. It also looks for new opportunities within financial services while looking to scale up its existing subsidiaries where opportunities for mergers and acquisitions present themselves. The strong pedigree of its parentage allows the Group and its subsidiaries to tap into international best practice which is then customized to the local environment in order to provide superior client experience through locally relevant world-class products.</p>			<h2>History &amp; Evolution</h2>					<h2>History &amp; Evolution</h2>															<img width="800" height="450" src="https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29-1024x576.png" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29-1024x576.png 1024w, https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29-300x169.png 300w, https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29-768x432.png 768w, https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29-1536x864.png 1536w, https://afhold.co.zm/staging/wp-content/uploads/2026/03/Screenshot-29.png 1600w" sizes="(max-width: 800px) 100vw, 800px" />																<h2>History &amp; Evolution</h2>					<h2>History &amp; Evolution</h2>		<p>Our journey spans over three decades of growth, transformation, and strategic evolution. From our origins in pension fund management to becoming a diversified financial services group, Aflife Holdings has continuously adapted to market dynamics, regulatory developments, and emerging opportunities.</p><p>This rich history reflects our resilience, innovation, and unwavering focus on building trusted financial solutions that create lasting value for our stakeholders.</p>					
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				1992			
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				1996			
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				2004			
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				2010			
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				2012			
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				2013			
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				2022			
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									<p>Anglo created a financial services division to incept the business of pension funds management for <br />Anglo related companies.</p><p>Saturnia Regna Pension Trust Fund was created as a pooled Fund offering composite services to the Anglo American Corporation Central Africa Limited (AACCA) Group. The pooled scheme also admitted pension funds for the first Defined Contribution Pension Schemes services namely :</p><ul><li>Hill and Delamain</li><li>Total</li><li>Chloride</li><li>Deloitte and Touche</li><li>Philips</li></ul><p>The pension business was at the time supervised by the Ministry of Finance under the Fourth Schedule of the Income Tax Act.</p>								
									<p>AACCA Management Services Limited (AMSL) was incorporated as a Manager for the pooled fund. It provided both pension scheme administration and fund management services to the Zambian market i.e. composite services licensed by the Pension and insurance Authority (PIA). The Pensions and Insurance Authority (PIA) was established as a body corporate following the amendments to the Pension Scheme Regulation Act No. 28 of 1996 as amended by Act No. 27 of 2005.</p>								
									<p>Anglo sold 50% of AMSL to Botswana Insurance Fund Managers (BFIM) to concentrate its operations to the core mining business. AMSL rebranded to African Life Financial Services Zambia Limited (Aflife)</p>								
									<p>Anglo fully exited from Aflife and BIFM increased its shareholding to 70%. Menel (a consortium of Zambians) acquired 30% of the Aflife business<b>.</b></p>								
									<p>Aflife commenced on a strategic process to bifurcate the composite services. Benefits Consulting Services Limited (Bencon) was incorporated to dedicate services into Pension Fund Administration.</p>								
									<p>To comply with changes in law on shareholding of Fund Managers and Pension Administrators, Menel acquired an additional 21% in Aflife and Bencon to reach 51% equity diluting BIFM’s shareholding to 49%. Menel became majority shareholder as per requirement of regulation.</p>								
									<p>PIA issued Benefits Consulting Services Limited (Bencon) with a separate license to administer pension funds in order to allow Aflife dedicate its management of pension assets under a separate license.</p>								
									<p>Bencon and Aflife continued operating independently under separate licenses as Associates maintaining common shareholding. Each entity owned by Menel (51%) and BFIM (49%).</p>								
									<p>Quantum Assets Zambia Limited (now Aflife Holdings Limited) was incorporated to host all non-pension business and saw the creation of two wholly owned subsidiaries namely :</p><ul><li>Aflife Properties (Z) Limited &#8211; Property Management and Development</li><li>Aflife Capital (Z) Limited – Corporate Advisory Services</li></ul>								
									<p>Equity re- organisation and implementation of the AfHold Group structure as follows:</p>								
															<img width="800" height="895" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-915x1024.jpeg" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-915x1024.jpeg 915w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-268x300.jpeg 268w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-768x860.jpeg 768w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-1372x1536.jpeg 1372w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-1830x2048.jpeg 1830w" sizes="(max-width: 800px) 100vw, 800px" />															
				<p>Anglo created a financial services division to incept the business of pension funds management for <br />Anglo related companies.</p><p>Saturnia Regna Pension Trust Fund was created as a pooled Fund offering composite services to the Anglo American Corporation Central Africa Limited (AACCA) Group. The pooled scheme also admitted pension funds for the first Defined Contribution Pension Schemes services namely :</p><ul><li>Hill and Delamain</li><li>Total</li><li>Chloride</li><li>Deloitte and Touche</li><li>Philips</li></ul><p>The pension business was at the time supervised by the Ministry of Finance under the Fourth Schedule of the Income Tax Act.</p><p>AACCA Management Services Limited (AMSL) was incorporated as a Manager for the pooled fund. It provided both pension scheme administration and fund management services to the Zambian market i.e. composite services licensed by the Pension and insurance Authority (PIA). The Pensions and Insurance Authority (PIA) was established as a body corporate following the amendments to the Pension Scheme Regulation Act No. 28 of 1996 as amended by Act No. 27 of 2005.</p><p>Anglo sold 50% of AMSL to Botswana Insurance Fund Managers (BFIM) to concentrate its operations to the core mining business. AMSL rebranded to African Life Financial Services Zambia Limited (Aflife)</p><p>Anglo fully exited from Aflife and BIFM increased its shareholding to 70%. Menel (a consortium of Zambians) acquired 30% of the Aflife business<b>.</b></p><p>Aflife commenced on a strategic process to bifurcate the composite services. Benefits Consulting Services Limited (Bencon) was incorporated to dedicate services into Pension Fund Administration.</p><p>To comply with changes in law on shareholding of Fund Managers and Pension Administrators, Menel acquired an additional 21% in Aflife and Bencon to reach 51% equity diluting BIFM’s shareholding to 49%. Menel became majority shareholder as per requirement of regulation.</p><p>PIA issued Benefits Consulting Services Limited (Bencon) with a separate license to administer pension funds in order to allow Aflife dedicate its management of pension assets under a separate license.</p><p>Bencon and Aflife continued operating independently under separate licenses as Associates maintaining common shareholding. Each entity owned by Menel (51%) and BFIM (49%).</p><p>Quantum Assets Zambia Limited (now Aflife Holdings Limited) was incorporated to host all non-pension business and saw the creation of two wholly owned subsidiaries namely :</p><ul><li>Aflife Properties (Z) Limited - Property Management and Development</li><li>Aflife Capital (Z) Limited – Corporate Advisory Services</li></ul><p>Equity re- organisation and implementation of the AfHold Group structure as follows:</p>													<img width="800" height="895" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-915x1024.jpeg" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-915x1024.jpeg 915w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-268x300.jpeg 268w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-768x860.jpeg 768w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-1372x1536.jpeg 1372w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/Simple-org-chart-1830x2048.jpeg 1830w" sizes="(max-width: 800px) 100vw, 800px" />																		
																	<img width="393" height="393" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2.png" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2.png 393w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2-300x300.png 300w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/BG2-150x150.png 150w" sizes="(max-width: 393px) 100vw, 393px" />																										<img width="866" height="567" src="https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-51-56.png" alt="" srcset="https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-51-56.png 866w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-51-56-300x196.png 300w, https://afhold.co.zm/staging/wp-content/uploads/2026/02/screenshot-2026-02-13_16-51-56-768x503.png 768w" sizes="(max-width: 866px) 100vw, 866px" />																<h2>Vision, Mission, Values</h2>					<h2>Vision, Mission &amp; Values</h2>		<p>Guided by a clear vision, driven by a focused mission, and anchored in strong values, we strive to create sustainable impact for our clients, partners, and communities.</p>					
									<h3>
							Our Vision						
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						To be a preferred world class Financial Services Provider of cutting-edge solutions anchored on our collective strength					</p>
									<h3>
							Our Mission						
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						To create, preserve and grow wealth					</p>
									<h3>
							Our Values						
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									<p>
Results-driven, Customer Centric, Integrity, Excellence, Teamwork					</p>
							<h2>Our Management Team</h2>					<h2>Board of Directors</h2>		<p>Our Board of Directors provides strategic oversight, governance, and leadership to ensure the long-term success and sustainability of the Group. </p>			<h2>Executive Team</h2>		<p>Our Executive Team is responsible for translating strategy into action, driving operational excellence, and delivering sustainable growth across the Group.</p>			<h2>Add Your Heading Text Here</h2>