3rd Annual

MicroInsurance

East Africa

Summit 2015 24 – 26 February 2016, Sankara Hotel, Nairobi,

Kenya

Maximising on Technology for Improved Viability and Client Value

Leading African Presentations: Gibson Muthania - Head of Micro Insurance - APA Insurance(Uganda)

Shipango Muteto - Head of Business Relations & Country Manager - Zep Re PTA Re-Insurance(Kenya)

Dr. Nelson Gitonga – CEO - Insight Health Advisors (Kenya)

Tughral Turab Ali - Head of Africa – MicroEnsure (Kenya)

Tawanda Chatikobo - Digital Manager – Nedbank (South Africa)

Michael Makenzi - Head - Bancaassurance (Kenya)

Chipo Chipudhla - Business Development Manager - TA Holdings Limited(Zimbabwe)

Lucas Greyling – Principal - Green Raven/dotXML technologies (South Africa)

Sandile Dlamini – CEO - FSRA

Michael Asola - Group Operations Director - Synergy Innovations Limited (Kenya)

Mark Akanko Achaw - Financial Systems Developer - Akanko Finacial Services (Norway)

Sandisiwe Ncube – Managing Director – New Breed (South Africa/Zimbabwe)

Eve Thiongo - Business Development Manager - CIC Insurance Group

Francis Ngari - Microinsurance Manager - Jubilee Insurance

Benefits of Attending: Learn how to leverage digital mechanisms to improve client value propositions

5+ case studies from insurance and micro insurance companies from East Africa, Southern Africa and Europe – This is your opportunity to learn from their failures and success!

Struggling to start and sustain your micro insurance products? Hear from practitioners who have succeed in starting and growing their micro insurance products

Exploring multiple low-cost distribution channels and discover how to establish innovative premium payment methods

An interactive and comprehensive workshop on The Back – End Engine of Digital Transformation facilitated by Greenraven Consulting CC

ENDORSED BY: MEDIA PARTNER:

Registered with National Industrial Training Authority (Kenya)

NITA/TRN/823

Tel: +254 (0) 20 426 9000 Fax: +254 (0) 20 374 5796 Email: info@amc-intsa.co.ke Website: www.amc-intsa.co.ke

P O Box 49751 Nairobi

00100 GPO Kenya

Dear Delegate,

Micro Insurance is a fast-growing sector providing tools for risk protection of

low income earners. It has been known to be an answer to Africa’s poverty

stricken situation in predominantly rural areas. More than 70 per cent of the

continent’s poor people live in rural areas and depend on agriculture for food

and livelihood. With Micro Insurance products catering for low income earners,

it has been portrayed as possibly the best way to assist Africa. Though on paper

it is so, Micro Insurance as an insurance extension comes with many challenges.

The definition of Micro Insurance is exactly the same as one might use for

regular insurance except for the clearly prescribed target market. This very

definition is one of the challenges that Insurers face when embarking on the

Micro Insurance journey. Some of the challenges include:

• Pricing for Micro Insurance

• Accessibility to the products

• Successfully penetrating the market

• Designing & Implementing the policies

These challenges mentioned here are only a drop in the ocean compared to the

real issues that Micro Insurance faces.

Our esteemed speakers, Tughral Turab Ali, Head of Africa

(MICROENSURE), Mark Akanko Achaw, Financial Systems Developer

Akanko Finacial Services, Tawanda Chatikobo Digital Manager (NEDBANK), and

many more, are eager to share with you their success (and failures) and strategies they have implemented to remain (and

become) dominant in a competitive environment.

Don’t miss this opportunity, book now!

Regards

Matshego Njumbunxa

Project Manager

AMC International

3rd Annual

Microinsurance East

Africa Summit 2015 24 – 26 February 2016, Sankara Hotel, Nairobi,

Kenya Who Should Attend:

Micro insurance Consultant

Client Manager

Micro insurance manager

Operations Manager

Business development manager

Strategic development manager

Life Portfolio Manager

General Manager: Insurance

Underwriting managers

Actuarial Managers

Marketing Managers

Portfolios Managers

Head of Risk Management

Capacity Building

Mobile network operator

Weather services Technology

provider

Policy makers

Regulator

Executive Manager: Life

Copyright © 2015 AMC. All Rights Reserved. The format, design, content and arrangement of this brochure constitute a trademark of AMC. Unauthorized reproduction will be actionable under South African Law. Draft Forum Program (Subject to Change)

Conference Agenda

Day 1: 24 February 2016

08:00 Registration

09:00 Opening Remarks from the Chairman

OUTLINING MICRO INSURNCE LOCALLY &

GLOBALLY – WHERE WE COME FROM, WHERE WE

ARE AND WHERE WE ARE GOING

09:10 Keynote Address: An Overview of Micro Insurance

in Africa

How far we have come

Emerging trends and analysis on the state of

micro insurance in Africa

Identifying opportunities for designing new

business models

Looking at strategies for expanding insurance

offering for low income earners

Tughral Turab Ali

Head of Africa

MICROENSURE

09:50 Global Market Trends in the Micro Insurance

Industry

Mobile Micro insurance

Understanding the role alternative distribution

plays in improving reach and client value

Analysing the potential marketplace of 1.5 billion

to 3 billion policies globally

Sandisiwe Ncube

Managing Director

NEW BREED

10:30 Morning Refreshment and Networking Break

11:00 Case Study: Starting Your Own Micro Insurance

Business: The Ins and Outs

Looking at different distribution models available

Developing the relevant products for your

market

Reaching the proper target demographic

Understanding the client value proposition of

micro insurance

Providing the key to success

Mark Akanko Achaw

Financial Systems Developer

Akanko Financial Services (Norway)

THE BUSINESS CASE OF MICRO INSURANCE: A DUAL

VALUE PROPOSITION - RESPONSIBLE AND

PROFITABLE

11:40 Case Study: Using Re-Insurance as a Protection Tool

in Collective Exposure

Scrutinising the re-insurance arrangement

Committing to provide compensation to a micro

insurance company

Reducing the micro insurer’s risk exposure

How re-insurers assist in funding and actuarial

experience

Shipango Muteto

Head of Business Relations & Country Manager

Zep Re PTA Re-Insurance (Kenya)

12:10 Case Study: Expanding the Profitable Offering of

Valuable Micro Insurance Products to the Low

Income Population

Developing profitable micro insurance programs

Looking at general insurance market

development

Establishing an entirely commercial micro

insurance product

Recognising the viability of the low-income

market

Chipo Chipudhla

Business Development Manager

TA Holdings Limited

12:50 Lunch and Networking Break

13:50 The Rise of Micro Insurance Profits: Ensuring

Return on Investment

Exploring the profit margins for micro insurance

Comparing Micro Insurance policies to

conventional Insurance

Obtaining customers while they are at a lower

income level

Building lifetime loyalty with your clients

Gibson Muthani

Head of Micro Insurance

APA Insurance (Uganda)

14:30 Open Floor Discussion: Investing In Takaful

Products

What is Takaful?

The relevance of Takaful in Africa

Comparing Takaful products to mainstream

insurance products

How Takaful could be an answer to Micro

Insurance

Takaful motor, household and business insurance

15:10 Afternoon Refreshment and Networking Break

15:40 Building the Business Case of Micro Insurance to

Ensure ROI for Investors

Developing Funding Models and Attracting

Investors

Highlighting the profitability of the low-income

market

Insuring the untouched market of 4 billion at the

bottom of the pyramid

Noting the challenges of getting to scale

Looking at the micro insurance business models

Michael Asola

Group Operations Director

Synergy Innovations Limited (Kenya)

16:10 Closing Remarks from the Chairman

Copyright © 2015 AMC. All Rights Reserved. The format, design, content and arrangement of this brochure constitute a trademark of AMC. Unauthorized reproduction will be actionable under South African Law. Draft Forum Program (Subject to Change)

Conference Agenda

Day 2: 25 February 2016

08:00 Registration

09:00 Opening Remarks from the Chairman

DIGITALISING MICRO INSURANCE: FACING MICRO

INSURANCE CHALLENGES HEAD ON

09:10 Case Study: Leveraging Digital Mechanisms to Improve

Client Value Propositions

Offering multiple types of insurance cover to

customers

Ensuring auto-enrolling segments for customers

Mixing digital sales with high-touch sales vs slow-

touch sales models: Utilization of multiple channels

Enabling a regulatory environment that facilitates

the digitalisation of micro insurance

Francis Ngari

Micro insurance Manager

Jubilee Insurance

09:50 Case Study - Effective Micro Insurance Distribution

Strategies

Digital presents a potentially lucrative channel,

seemingly tailor made for micro insurance. As mobile

penetration continues to deepen across the African

continent, and as mobile users become increasingly

sophisticated, there is an opportunity for micro insurers

to latch onto this growth to drive further market

expansion. This talk will cover

Seizing the opportunity of digital transformation

Developing a mobile- led distribution strategy for

the digital age

Adapting a new digital landscape

Our Journey

Tawanda Chatikobo

Digital Manager

NEDBANK

10:30 Morning Refreshments and Networking Break

11:00 Open Floor Discussion: Mobile Micro Insurance

Strategies

Mobile penetration in Africa

Using mobile technology as a primary way to reach

low-income consumers in many markets

Looking at how mobile operators are playing a

growing role in helping to extend valuable

insurance coverage

Viewing the stats of how many low income have

reached by the mobile penetration

ALTERNATIVE DISTRIBUTION & PREMIUM

COLLECTION CHANNELS

11:40 Case Study: Alternative Distribution Channels for Micro

Insurance

Looking at the trends in micro insurance

distribution channels

Leveraging multiple distribution channels to reach

and engage with new customers

Exploring multiple low-cost distribution channels

Using digital to increase sales while keeping costs

low

Mark Akanko Achaw

Financial Systems Developer

Akanko Financial Services (Norway)

12:10 Case Study: Addressing Distribution Challenges: Striving

for a Better Micro Insurance Workmanship

Ensuring that micro insurance agents are well

aware of the product

Promoting product awareness

Ensuring that your target market is aware of the

products on offer

Using bancassurance as a tool for micro insurance

distribution

Dr. Nelson Gitonga

CEO

Insight Health Advisors (Kenya)

12:50 Lunch and Networking Break

13:50 Establishing Innovative Premium Payment Methods

Looking at distributor commissions and transaction

fees when using mobile money

Using airtime or mobile money as a payment

mechanism

Using small airtime deductions on a daily basis to

ensure that the low income earner is not pinched by

the lump sum

Viewing which regulations can dictate what

payment mechanisms are most feasible

Eve Thiongo

Business Development Manager

CIC Insurance Group

POLICIES & REGULATIONS FOR MICRO INSURANCE

14:30 Case Study: The Swaziland Micro Insurance Regulation

Journey

How far we are in the process

What we have learnt

What we would do differently

Assessing the potential for micro insurance

development across many developing and

emerging economies in Swaziland

Sandile Dlamini

CEO

Financial Services Regulatory Authority

15:10 Afternoon Refreshment and Networking Break

15:50 Open Floor Discussion: Exploring the East African Micro

Insurance Regulatory Framework

Assessing the proposed regulatory framework for

micro insurance in Kenya

Exploring the Kenya vision 2030 with regards to

micro insurance

Mapping out the future path for the regulation

and supervision of micro insurance business in

Kenya

Ensuring that micro insurance is managed by

insurers and other providers in accordance with

generally accepted insurance principles and

principle

INVESTING IN PRODUCT AWARENESS: ENSURING

YOUR MARKET IS AWARE OF YOUR OFFERINGS

16:30 Putting the Necessary Measures in Place to Ensure Your

Clientele Buys in to Your Product

Investing in the necessary distribution channels

Devoting resources to ensure a rise in affluence and

product awareness

Improving financial education and awareness in

micro insurance

Educating your agents so they are able to relay the

necessary information

Michael Makenzi

Head: Bancassurance

Faulu Microfinance Bank

17:10 Closing Remarks from the Chairman and Cocktail

Networking

Copyright © 2015 AMC. All Rights Reserved. The format, design, content and arrangement of this brochure constitute a trademark of AMC.

Unauthorized reproduction will be actionable under South African Law. Draft Forum Program (Subject to Change)

Workshop Day – 26 February 2016

9:00 AM – 12:00 PM

The Back – End Engine of Digital Transformation

Digital is the term we use to describe the ground-breaking array of “SMAC” (Social, Mobile, Analytics, and Cloud) developments in

customer expectation, behaviour and interaction, which are rapidly reshaping the rules of business. Far from just being another

channel, the impact of digital is transforming what customers expect, creating fresh opportunities to get closer to the customer and

moving insurance from a price to a value consideration. Digital transformation offers insurers in mature markets the opportunity to

increase their profits by up to 100 percent according to recent Accenture research into the levers and opportunities for generating

value that have emerged for high performance digital insurers.

Insurers need to pay attention to developing a new digital culture and supporting organization. Obvious drivers will be the

engagement by top management in pushing the digital agenda, and the launch of a comprehensive program of change management

to adapt the organizational structures and to ensure that the company gets the right skills with the right tools. Digital transformation

is usually associated with flashy new mobile apps and hype about social media. However, none of this will be possible without a new

generation back-end engine.

About Your Workshop Leader:

Lucas Greyling

Principal

Greenraven Consulting CC

Lucas is the Principal of Greenraven Consulting CC, an independent consulting firm specialising in delivering insurance solutions for the

mass market in Africa with an emphasis on distribution strategy, administration systems and mobile transaction capabilities. He has

many years’ experience in a very wide range of life assurance, pension and medical insurance/scheme business, strategic planning and

operational implementation. He also has strong technical, organisational and relationship management skills and experience of

applying these in different African jurisdictions. He has served in a number of senior management and board level positions in South

and East Africa and established a life insurance division for one of the top insurers in Tanzania as a Greenfield operation. He

also returned the business of a leading Health Management Organisation in Uganda to profitability. Previously he was a member of

the team consulting to the some of the biggest medical schemes in South Africa and the manager responsible for a number

of large pension funds.

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FIVE WAYS TO REGISTER

Tel: +254 (0) 20 426 9000 Fax: +254 (0) 20 374 5796

e-Mail: info@amc-intsa.co.ke

P O Box 49751 Nairobi, 00100 GPO

Kenya

3rd Annual Microinsurance East Africa

Summit 2015 24 – 26 February 2016, Sankara Hotel, Nairobi, Kenya