Ghana’s football ecosystem witnessed a major breakthrough as the Ghana Football Association (GFA), in partnership with Ghana’s foremost life assurance company, Enterprise Life, launched a comprehensive insurance policy for referees on Tuesday, November 25, 2025.
The initiative represents one of the most significant welfare reforms in domestic football, combining the GFA’s renewed commitment to officiating standards with Enterprise Life’s pedigree in insurance excellence.
The launch, which fulfils a pledge made by GFA President Kurt Edwin Simeon-Okraku during the 31st Ordinary Session of Congress in Prampram, marks a historic shift toward improved protection for match officials across the Premier League, Division One League, and Women’s Premier League.
Describing the milestone as “a significant moment in the journey of our football,” the GFA President highlighted the critical role referees play in sustaining fairness in the game.
He reflected on the promise made months earlier, stating:
“On that day, I assured you that the Football Association under my humble leadership would take bold and deliberate steps to elevate referee welfare, strengthen officiating standards and provide the necessary protection and motivation for the men and women who uphold the integrity of the game.”
With the launch now fully realised, he added that the policy represents “a comprehensive welfare intervention designed to support, protect and empower our referees across all domestic competitions.”
Enterprise Life’s Role: Protection powered by pedigree
The initiative’s success hinges on Enterprise Life’s strong technical foundation and its reputation as one of Ghana’s most trusted insurance brands.
The company, rooted in the philosophy of “The Thoroughbred”, brings decades of expertise to the partnership.
Known for delivering reliable, structured, and innovative protection solutions, Enterprise Life’s involvement ensures that the policy is not only robust but sustainable.
Their legacy of excellence, drawn from a distinguished corporate lineage, reinforces confidence that referees will receive world-class cover befitting their indispensable role in football.
What does the insurance package cover?
All 280 referees across the top tiers of Ghana football are automatically enrolled. The package includes:
Group Life Cover
Critical Illness Protection
Permanent Disability Compensation
Medical Expenses Support
Workmen’s Compensation
To further support referees’ families, additional benefits extend to spouses, children, and parents, along with funeral assistance, an inclusion that underscores Enterprise Life’s holistic approach to welfare.
Referees welcome insurance policy
Meanwhile, Ghana’s top referee, Daniel Nii Ayi Laryea, set to officiate at the 2025 Africa Cup of Nations, expressed heartfelt appreciation for the initiative.
He described the policy as “too good to be true” and acknowledged that referees have often struggled with welfare challenges.
Laryea also thanked GFA President Kurt Okraku and Enterprise Life for introducing a scheme that finally recognises the demands placed on officials.
He concluded by praying the policy “would outlast Kurt’s administration” and encouraged all referees to honour the confidence placed in them.
Laryea urged his colleagues to “give off their best” in light of the new support structure.
A new era for officiating in Ghana
The partnership between the GFA and Enterprise Life signals a transformative era, one that blends administrative vision with corporate excellence.
It strengthens the foundation of officiating in Ghana and sets a precedent for football associations across Africa.
With improved protection, motivation, and welfare, Ghana’s referees no
w step into the future with renewed confidence, backed by an insurance framework designed to match the demands of the beautiful game.
About Enterprise Life
The Enterprise Life brand is based on the concept of “The Thoroughbred”. The thoroughbred is a horse of
outstanding pedigree with an inherent disposition to the best, born of outstanding parentage, excellence was just their nature.
This attribute could be associated with Enterprise Life Assurance Company, mainly as a result of our distinctive and purebred and high performing parental lineage.