{"id":34051,"date":"2026-09-28T02:29:40","date_gmt":"2026-09-28T05:29:40","guid":{"rendered":"https:\/\/focusgn.com\/africa\/?p=34051"},"modified":"2026-09-28T06:40:40","modified_gmt":"2026-09-28T09:40:40","slug":"angola-insurance-raffles-prior-approval","status":"publish","type":"post","link":"https:\/\/focusgn.com\/africa\/angola-insurance-raffles-prior-approval","title":{"rendered":"Angola requires prior approval for insurance-sector raffles"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A new joint circular makes prior ISJ authorisation mandatory for chance-based promotions and ties prizes to the Special Gaming Tax.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaways:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joint Circular No. 02\/ISJ\/ARSEG\/2026 makes prior ISJ authorisation mandatory for raffles, contests and other chance-based promotions run by insurance and pension-sector companies.<\/li>\n\n\n\n<li>The rule covers insurers, reinsurers, pension-fund managers and insurance brokers that use draws or random mechanisms to promote products to policyholders or the public.<\/li>\n\n\n\n<li>Prizes awarded through these campaigns are subject to the Special Gaming Tax, which promoters must withhold at source and pay to the tax authority under Law 17\/24.<\/li>\n\n\n\n<li>ARSEG must verify that supervised entities hold the required ISJ authorisation and report any irregularities, embedding the measure in market-conduct supervision.<\/li>\n\n\n\n<li>Companies with qualifying campaigns already running when the circular entered into force have a non-extendable 30-day window to regularise with the ISJ or face administrative offences and fines.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Angola.-<strong> Angola\u2019s Gaming Supervision Institute (ISJ)<\/strong> and Insurance Regulation and Supervision Agency (ARSEG) have issued a joint circular requiring insurance and pension-sector companies to obtain prior ISJ approval before running raffles, contests and other chance-based promotions. The measure, set out in Circular No. 02\/ISJ\/ARSEG\/2026, brings these promotions under a coordinated compliance and tax regime, with ARSEG tasked to check authorisations and prizes subject to the Special Gaming Tax under Law 17\/24.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Joint Circular No. 02\/ISJ\/ARSEG\/2026 <\/strong>reinforces the existing authorisation requirement for random combinations used for promotional and advertising purposes, while specifically bringing insurance and pension-sector entities under a coordinated ISJ-ARSEG compliance framework. The circular applies to insurance and reinsurance companies, pension-fund management companies, and insurance mediation and brokerage companies that use <strong>draws, raffles, contests<\/strong> or other random mechanisms to promote their products or brands, including campaigns in which prizes are awarded to policyholders and\/or the general public.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ARSEG subsequently published an announcement about the measure on September 23, 2026, highlighting its application to the insurance and pension-fund sectors and the joint regulatory approach.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"823\" height=\"600\" src=\"https:\/\/focusgn.com\/africa\/wp-content\/uploads\/sites\/7\/2026\/09\/ANGOLA-DOC-823x600.jpeg\" alt=\"\" class=\"wp-image-34056\" srcset=\"https:\/\/focusgn.com\/africa\/wp-content\/uploads\/sites\/7\/2026\/09\/ANGOLA-DOC-823x600.jpeg 823w, https:\/\/focusgn.com\/africa\/wp-content\/uploads\/sites\/7\/2026\/09\/ANGOLA-DOC.jpeg 897w\" sizes=\"auto, (max-width: 823px) 100vw, 823px\" \/><figcaption class=\"wp-element-caption\">ARSEG and ISJ announce Joint Circular No. 02\/ISJ\/ARSEG\/2026 on prior authorisation for promotional raffles and contests in Angola\u2019s insurance and pension-fund sectors. Source: ARSEG.<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The circular was signed by <strong>Nerethz Tati<\/strong>, director general of the ISJ, and<strong> Filomena Manjata<\/strong>, pesident of the Board of ARSEG.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Approval, tax and enforcement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This authorisation requirement is based on<strong> Article 51(3) of Angola&#8217;s Law No. 17\/24<\/strong> on Gaming Activity, which requires prior authorisation from the ISJ for random combinations used for promotional and advertising purposes, including raffles and temporary contests. The circular states, in translation, that companies covered by the measure \u201cmust request the respective prior authorisation from the ISJ.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The move follows a <a href=\"https:\/\/focusgn.com\/africa\/angolas-isj-steps-up-oversight-of-digital-prize-promotions?utm_source=chatgpt.com\" data-type=\"link\" data-id=\"https:\/\/focusgn.com\/africa\/angolas-isj-steps-up-oversight-of-digital-prize-promotions?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">broader push by the ISJ to clarify the rules governing prize promotions<\/a>. In August, the regulator reiterated that businesses cannot assume that small or digital prize draws fall outside the<strong> regulatory framework<\/strong>, with prior authorisation required for promotional games, raffles and prize competitions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The prizes awarded through these promotional campaigns are also subject to the <strong>Special Gaming Tax<\/strong>. The circular states that promoters must withhold the applicable tax at source and subsequently pay it to the competent tax authority in accordance with the provisions of the Gaming Activity Law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ARSEG is required to verify whether supervised entities have the necessary ISJ authorisation when conducting campaigns involving draws or contests and to communicate any irregularities to the ISJ. The circular places this within ARSEG\u2019s broader role in protecting <strong>policyholders<\/strong> and overseeing the market conduct of supervised entities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The latest measure also builds on <a href=\"https:\/\/focusgn.com\/africa\/angolas-gaming-regulator-and-arseg-partner-to-strengthen-oversight-and-combat-financial-crime?utm_source=chatgpt.com\" data-type=\"link\" data-id=\"https:\/\/focusgn.com\/africa\/angolas-gaming-regulator-and-arseg-partner-to-strengthen-oversight-and-combat-financial-crime?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">earlier cooperation between the ISJ and ARSEG<\/a>, which agreed in 2025 to strengthen regulatory coordination and supervision across the gaming and insurance sectors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The circular states, in translation, that \u201cthe operation of games of chance or similar games without due authorisation constitutes an <strong>administrative offence<\/strong>\u201d and may result in fines and additional sanctions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Companies that already had qualifying promotional or advertising campaigns under way when the circular entered into force have \u201ca <strong>non-extendable period of 30 days<\/strong>\u201d to regularise their situation with the ISJ, according to the circular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The measure strengthens coordination between Angola&#8217;s gaming and insurance regulators, with the ISJ responsible for the relevant gaming authorisation and ARSEG checking compliance among the entities it supervises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently asked questions (FAQs)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who must get ISJ approval for raffles and contests in Angola now?<\/strong> Insurance and reinsurance companies, pension-fund management companies, and insurance mediation and brokerage firms that use draws, raffles, contests or other random mechanisms to promote products or brands. The requirement applies whether prizes go to policyholders or the general public.<\/li>\n\n\n\n<li><strong>What law requires prior authorisation for these promotions?<\/strong> Article 51(3) of Angola\u2019s Law 17\/24 on Gaming Activity, which mandates ISJ authorisation for random combinations used for promotional and advertising purposes, including raffles and temporary contests. The joint circular explicitly cites this provision as the legal basis.<\/li>\n\n\n\n<li><strong>What happens if a company runs a raffle without ISJ authorisation?<\/strong> Operating games of chance or similar games without due authorisation constitutes an administrative offence that can lead to fines and additional sanctions. Existing campaigns had a non-extendable 30-day period to regularise once the circular entered into force.<\/li>\n<\/ul>\n\n\n<div id=\"see-also-container\">\n\t\t\t<span class=\"see-also-label\">See also:<\/span><\/p>\n<div class=\"related-article\">\n\t\t\t\t<img decoding=\"async\" class=\"related-article__thumbnail\" src=\"https:\/\/focusgn.com\/africa\/wp-content\/uploads\/sites\/7\/2025\/07\/1639564202shutterstock_344620688s-300x200.jpg\" alt=\"\"><\/p>\n<p class=\"related-article__text\">\n\t\t\t\t\t<span class=\"see-also-label-strong\">See also:<\/span> <a href=\"https:\/\/focusgn.com\/africa\/angolas-isj-steps-up-oversight-of-digital-prize-promotions\">Angola&#8217;s ISJ steps up oversight of digital prize promotions<\/a>\n\t\t\t\t<\/p>\n<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A new joint circular makes prior ISJ authorisation mandatory for chance-based promotions and ties prizes to the Special Gaming Tax.<\/p>\n","protected":false},"author":2809,"featured_media":34066,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"is_press_release":false,"is_interview":false,"is_opinion":false,"focusai_summary":"Angola's ISJ and ARSEG have issued a joint circular mandating prior ISJ authorization for chance-based promotions by insurance and pension-sector companies. These promotions, including raffles and contests, will now be subject to the Special Gaming Tax, which promoters must withhold at source. Companies with existing campaigns have a 30-day window to regularize compliance.","focusai_entities":"Gaming Supervision Institute (ISJ), Insurance Regulation and Supervision Agency (ARSEG), Nerethz Tati, Filomena Manjata","focusai_location":"Angola","focusai_target_profile":"ceo_executive (0.9), regulator (1.0), compliance_legal (1.0), operator_casino (0.7), marketing_crm (0.9), investor_analyst (0.8), journalist_researcher (0.9)","focusai_suggestions":[{"label":"Impact on Customer Acquisition?","query":"How will the mandatory ISJ authorization and Special Gaming Tax impact the cost of customer acquisition and promotional campaign ROI for insurance and pension companies in Angola?"},{"label":"Non-Compliance Penalties?","query":"What are the specific administrative offences and financial penalties for insurance and pension companies failing to regularize existing chance-based promotions within the non-extendable 30-day window?"}],"footnotes":""},"categories":[60014,60023],"tags":[60036,60138,60033],"class_list":["post-34051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-central-africa","category-legal-news","tag-igaming","tag-legislation","tag-regulation"],"_links":{"self":[{"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/posts\/34051","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/users\/2809"}],"replies":[{"embeddable":true,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/comments?post=34051"}],"version-history":[{"count":13,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/posts\/34051\/revisions"}],"predecessor-version":[{"id":34097,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/posts\/34051\/revisions\/34097"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/media\/34066"}],"wp:attachment":[{"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/media?parent=34051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/categories?post=34051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/focusgn.com\/africa\/wp-json\/wp\/v2\/tags?post=34051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}