Here’s a concise guide to life insurance in Sri Lanka that emphasizes insurers and digital solutions (buying, managing and claims) so you can compare options and act quickly.

Quick summary — major life insurers with strong digital solutions

• Union Assurance — Clicklife mobile app: full policy purchase and management via app, digital underwriting features, rewards & health tools. (Can buy policies directly in-app). (unionassurance.com)
• Ceylinco Life — “Ceylife Digital” app + online “Buy Online” portal: view policies, pay premiums, request services and buy life/retirement/investment plans online. (ceylincolife.com)
• HNB Assurance — eLife product / HNBA Mobile, ePay and digital assistants (chatbot/AI) plus cloud back-end for faster product rollout and online payments. (hnbassurance.com)
• AIA Sri Lanka — AIA Customer Portal and AIA Quick Pay for buying/setting up recurring payments and multiple digital payment channels. (aialife.com.lk)
• Janashakthi — “Connect” portal for signup, premium payments and claims forms (customer self-service portal). (Janashakthi.com)
• Sri Lanka Insurance (state-owned) — has an online “Buy Online” option for some life products. (srilankainsurance.com)

Regulator / safety checklist

• The Insurance Regulatory Commission of Sri Lanka (IRCSL) regulates insurers and publishes the list of licensed companies. Always buy from IRCSL-licensed insurers or registered brokers and avoid off-channel “discount cards.” (insuranceombudsman.lk)

What digital features to look for (and why they matter)

• True online purchase (end-to-end): can complete application, electronic signatures and payment without visiting a branch — faster issuance, fewer errors. (Union, Ceylinco, HNB, AIA offer these kinds of flows). (unionassurance.com)
• Digital underwriting / e-MERs (electronic medical reports) and automated underwriting: speeds up acceptance and reduces paperwork. (Noted in industry announcements.) (unionassurance.com)
• Mobile apps + portals for policy servicing: check balances, change beneficiaries, submit claims / policy loan requests and pay premiums. (unionassurance.com)
• Integrated digital health / wellness features: may provide extra value (teleconsultations, health trackers, rewards). Union’s Clicklife is an example. (unionassurance.com)
• Multiple secure digital payment options: bank cards, bank app integrations and local e-wallets (important for recurring premium setup). (aialife.com.lk)

Practical steps to buy a life policy online in Sri Lanka

1. Verify the insurer is IRCSL-licensed (check ircsl.gov.lk or insurer site showing “Licensed by IRCSL”). (insuranceombudsman.lk)
2. Decide product type (term/protection, endowment/savings, retirement, investment-linked). Use insurer online “Buy” pages or product PDFs to compare. (ceylincolife.com)
3. Use the insurer’s app/portal to get a quote and apply. Provide ID (usually NIC/passport), contact details, health info; some policies may require electronic medical checks. (ceylincolife.com)
4. Pay the first premium digitally (card/bank transfer/wallet) and obtain an e-receipt / policy document. Confirm policy number and cooling-off/return period. (aialife.com.lk)
5. Register for the insurer’s app/portal to manage the policy, set up recurring payments, and track claims.

Tips to choose and use digital life insurance safely

• Compare same product types across insurers (sum assured, premium, exclusions, waiting periods, riders). Digital convenience shouldn’t replace price/cover comparison.
• Read the policy document (terms, exclusions, suicide/waiting periods) — insurers must provide this online.
• Keep screenshots / e-mails of the application, payment receipts, policy number and the policy PDF.
• Use the insurer’s official app or website only; confirm URLs and app publisher names in app stores. If in doubt, check IRCSL’s licensed companies list. (insuranceombudsman.lk)
• For high-value or medically underwritten policies, expect some offline steps (medicals/attending physician statements) even when the purchase is started online.

How I can help next

• If you want, I can: (a) compare 2–3 specific online life plans (term vs. savings) from named insurers and show differences; or (b) prepare a short checklist/email template you can send to an insurer when enquiring online. Tell me which insurers or product types you want compared and I’ll pull the details.

Sources (examples of the insurers and regulator pages cited above)

• Union Assurance — Clicklife app & digital life purchase announcements. (unionassurance.com)
• Ceylinco Life — Ceylife Digital app and Buy Online pages. (ceylincolife.com)
• HNB Assurance — eLife / HNBA Mobile / ePay and cloud/AI initiatives. (hnbassurance.com)
• AIA Sri Lanka — AIA Customer Portal & Quick Pay payments. (aialife.com.lk)
• Janashakthi — Connect portal for online services. (Janashakthi.com)
• Insurance Regulatory Commission of Sri Lanka (IRCSL) — regulator and guidance to buy only from licensed companies. (insuranceombudsman.lk)

If you’d like, tell me (1) which product type you need (term, savings, investment-linked, retirement), and (2) 2–3 insurers you want compared — I’ll fetch recent product pages and give a short side-by-side comparison.