3rd Annual MicroInsurance East Africa Summit 20152 – 4 December 2015, 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: An interactive and comprehensive workshop on The Back – End Engine of Digital Transformation Master mind industry leaders sharing their experiences African case studies that will assist you in your Micro Insurance journey Interactive Plenary Sessions that will address key challenges facing the micro insurance sector World class networking and benchmarking experiences and opportunities Real life case studies exploring the severity of micro insurance implementation End to end micro insurance strategies

ENDORSED BY: MEDIA PARTNER:

Registered with National Industrial Training Authority (Kenya)

NITA/TRN/823

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

P O Box 49751Nairobi

00100 GPOKenya

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 NjumbunxaProject ManagerAMC International

3rd Annual Microinsurance East Africa Summit 20152 – 4 December 2015, 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 AgendaDay 1: 25 November 2015

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 AliHead of AfricaMICROENSURE

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 DirectorNEW 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 successMark Akanko AchawFinancial Systems Developer Akanko Finacial 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 experienceShipango MutetoHead of Business Relations & Country ManagerZep 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 clientsGibson MuthaniHead of Micro InsuranceAPA Insurance(Uganda)

14:30 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

modelsMichael AsolaGroup Operations DirectorSynergy Innovations Limited (Kenya)

16:10 Closing Remarks from the ChairmanCopyright © 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 AgendaDay 2: 26 November 2015

08:00 Registration

09:00 Opening Remarks from the Chairman

DIGITALISING MICRO INSURANCE: FACING MICRO INSURANCE CHALLENGES

HEAD ON

09:10 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

09:50 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 microinsuranceFrancis NgariMicroinsurance Manager Jubilee Insurance

10:30 Morning Refreshments and Networking Break

11:00 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 JourneyTawanda ChatikoboDigital ManagerNEDBANK

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 lowMark Akanko AchawFinancial Systems Developer Akanko Finacial 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 distributionDr. Nelson GitongaCEOInsight 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 feasibleEve ThiongoBusiness Development ManagerCIC Insurance Group

POLICIES & REGULATIONS FOR MICRO INSURANCE

14:30 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

15:10 Afternoon Refreshment and Networking Break

15:50 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 DlaminiCEOFinancial Services Regulatory Authority

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 informationMichael MakenziHead: BancassuranceFaulu Microfinance Bank

17:10 Closing Remarks from the Chairman & 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 – 27 November 2015 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.

How Will You Benefit From The Training?

What Will You Learn?

About Your Workshop Leader:

Lucas Greyling PrincipalGreenraven Consulting CCLucas 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. He was also involved in a study of informal drug shops in the Kibera slum area of Nairobi and responsible for doing a feasibility study for establishing a medical clinic in the Republic of Southern Sudan. He has analysed a wide selection of South Saharan economies for suitability of establishing insurance operations and provided detailed country profiles for a short list of sui table markets for entry by an international insurer. He has been very involved in developing voucher -based insurance solutions and was contracted to compile a guideline for the management of preferred provider organisations for a health insurer in Tanzania.

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3rd Annual Microinsurance East Africa Summit 20152 – 4 December 2015, Sankara Hotel, Nairobi, Kenya

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FIVE WAYS TO REGISTERTel: +254 (0) 20 426 9000Fax: +254 (0) 20 374 5796

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

P O Box 49751Nairobi, 00100 GPO

Kenya