By our investigative news source
According to official documents published by the company, Guarant Limited presents itself as an international insurance/reinsurance entity, claiming:
• Company No.: L15605
• License No.: 15605/GICL
• Regulated by: Anjouan Offshore Finance Authority
• Declared paid-up capital: 250,000,000 USD
• “Kigali Branch Office”:
2nd Floor Tower B, Sanlam Towers Building, KN 67 Street, Plot No. 10, P.O Box 6381, Kigali, Republic of Rwanda
• Website: www.guarantre.com
• Email: office@guarantre.com
However, based on months of cross-border investigative work, interviews with regulators, private investigators, financial analysts and judicial authorities, virtually none of these claims withstand independent verification.
⸻——
A company incorporated in one of the world’s most controversial jurisdictions
Guarant Limited claims to be “regulated” by the Anjouan Offshore Finance Authority, a micro-jurisdiction within the Comoros.
According to communications received by our newsroom from Comorian officials:
• No valid record of Guarant Limited exists in the official registries,
• The alleged license 15605/GICL does not appear in regulatory databases,
• There is no evidence of capital verification or prudential supervision,
• The authority does not recognize the company in the manner it portrays itself internationally.
Experts familiar with offshore regulatory practices explained that Anjouan licenses are not recognized internationally, are considered extremely high-risk, and have been associated in multiple past cases with entities lacking real capital or oversight.
⸻——-
The declared capital: 250 million USD – but our investigation found no evidence such funds exist
Guarant Limited publicly boasts a paid-up capital of 250 million USD.
But according to:
• documents reviewed by our newsroom,
• statements from investigative agencies,
• requests submitted to banks,
• due diligence reports,
• and information shared by judicial authorities,
there is no proof anywhere that this capital exists.
No audited financial statements.
No verified proof-of-funds.
No international banking documentation.
No regulatory solvency filings.
Industry experts consulted under anonymity explain that Guarant Limited appears to operate as an empty shell, likely designed to:
• collect premiums,
• never pay claims,
• simulate solvency,
• mislead international brokers,
• and present a façade of legitimacy through a polished website and unverifiable licenses.
⸻——-
The Kigali “branch” — Rwandan regulators deny any legal presence
Guarant Limited lists a Rwandan branch at:
Sanlam Towers, 2nd Floor Tower B, Kigali
However, according to direct statements provided to our newsroom by the National Bank of Rwanda and other regulatory bodies:
• Guarant Limited is NOT licensed in Rwanda,
• No branch is registered under that name,
• No insurance or reinsurance authorization has ever been granted,
• The published address corresponds to no legally recognized entity.
In other words, the company’s claimed Kigali presence appears to be false or severely misleading.
⸻——-
No authorization to operate outside Anjouan – confirmed by multiple regulators
Our newsroom contacted regulatory authorities in:
• Jordan,
• United Arab Emirates,
• United States,
• Rwanda,
• Comoros.
All of them confirmed:
✅ Guarant Limited is not authorized to issue policies, assume risk, or operate as an insurer/reinsurer in their jurisdictions.
Even if the Anjouan license were valid (which officials dispute), it holds no international recognition whatsoever.
⸻——
International criminal investigations reportedly underway
According to judicial officials and investigation files we reviewed, several law enforcement agencies across Europe, Africa, and the United States have opened criminal investigations involving individuals connected to Guarant Limited.
Authorities are examining potential allegations including:
• cross-border fraud,
• unauthorized insurance activity,
• money laundering,
• financial misrepresentation,
• and the operation of an international organized scheme.
Investigators describe the structure behind Guarant Limited as consistent with patterns used by transnational criminal networks, some of which have been implicated in previous large-scale fraud schemes.
⸻——-
Major international brokers may have been exposed
Documents reviewed by our newsroom indicate that several well-known international brokers may have:
• unknowingly placed risks through Guarant Limited,
• relied on unverified documents provided by intermediaries,
• or, in some cases under investigation, may have knowingly participated in fraudulent fronting structures.
Regulators in the United States are reportedly preparing formal notices and subpoenas to certain brokers who facilitated transactions without adequate due diligence.
⸻——
A warning to the global insurance and reinsurance market
Based on the evidence collected so far, we strongly urge market participants to:
1. Demand verified banking statements
Only from internationally regulated banks—anything less is a red flag.
2. Verify all licenses directly with official regulators
Do not rely on documents provided by the company.
3. Consider suspending cooperation
until ongoing criminal investigations abroad are concluded.
4. Ignore the declared capital
Our investigation so far found no proof that the alleged USD 250 million exists.
⸻—–
Episode II is coming
In the next chapter of this investigation, our newsroom plans to reveal:
• the individuals allegedly behind the structure,
• the international network supporting the operation,
• brokers under scrutiny,
• confidential documents from regulators,
• and, pending authorization, photographs of individuals under investigation.
According to investigative officials, a wave of arrests may follow shortly after the next publication, depending on judicial cooperation between countries……
Leave a Reply