Here’s a concise guide to life-insurance providers and digital solutions in Sri Lanka, what they offer, and how to buy/compare policies online.

Major life insurers in Sri Lanka with strong digital offerings

• Union Assurance — Clicklife app: full policy management and (app‑enabled) purchase flows, wellness features and digital rewards. (unionassurance.com)
• Ceylinco Life — “Ceylife Digital” app and online buying/premium payments (policy lookup, service requests, buy online). (lankabusinessnews.com)
• HNB Assurance — “eLife” / mobile solutions for 100% online purchase plus online premium payments and customer portal features. (hnbassurance.com)
• Sri Lanka Insurance (SLIC) — customer app and web portal for policy management, renewals and online payments. (srilankainsurance.com)
• Softlogic Life — online-only plan(s) and broader digitalisation (including AI-assisted claims and online product options). (softlogiclife.lk)
• Other players with portals/apps you may see: Janashakthi Life, AIA, Amana Takaful (each offers mobile/portal features for payments, e‑documents and basic servicing). (apps.apple.com)

Are digital/paperless policies legally valid in Sri Lanka?

• Yes. Electronic records and electronic signatures have legal recognition under Sri Lanka’s Electronic Transactions Act (No.19 of 2006, amended) and related national guidance — digital signatures and e‑documents are admissible and usable for contracts and e‑filing, subject to the Act’s exclusions (e.g., certain immovable‑property instruments). (icta.lk)

What “digital” features to look for when choosing an insurer

• True online purchase (no branch visit) vs. portal-only quoting. (unionassurance.com)
• Mobile app with e‑policy storage and e‑claims (upload documents/photos). (lankabusinessnews.com)
• Secure online payment methods and integrations with local wallets (Frimi, mCash, card payments). (softlogiclife.lk)
• E‑signing / e‑document delivery and clear guidance on identity verification / medical requirements. (icta.lk)
• Automated / accelerated underwriting (instant decisions for simple products) and tele‑medical / e‑medical-report options. (unionassurance.com)

Quick how-to: buy a life policy online (typical flow)

1. Select insurer or open their mobile app/online portal. (lankabusinessnews.com)
2. Get an instant quote (enter age, sum insured, term) or select a prebuilt online plan. (hnbassurance.com)
3. Complete identity/health questions; e‑KYC or e‑signature step may be used. (icta.lk)
4. Pay online (card / bank / mobile wallet). (srilankainsurance.com)
5. Receive e‑policy and keep digital copy in the insurer’s app/portal; note waiting periods, exclusions and claim steps. (lankabusinessnews.com)

Short checklist before you buy

• Confirm the insurer is licensed by the Insurance Regulatory Commission of Sri Lanka (IRCSL).
• Read the policy wording (cover, waiting periods, exclusions, premiums guaranteed vs. reviewable).
• Check whether the online product issues an immediate e‑policy or requires underwriting/medicals. (hnbassurance.com)
• Confirm accepted payment methods and how to raise/track claims via the app or portal. (srilankainsurance.com)
• Preserve screenshots/emails of the transaction and the e‑policy (digital signatures are legally admissible). (icta.lk)

If you want a quick, practical next step

• Download the insurers’ apps or visit their “buy online” pages (Union Clicklife, Ceylife Digital, HNB eLife, SLIC portal, Softlogic online plan are good starting points) to get immediate quotes and compare. (unionassurance.com)

If you’d like, I can: summarize and compare one or two specific online plans (price, waiting periods, key exclusions) if you paste the plan names or links.