UAP Group Corporate Profile

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www.uap-group.com

UAP

Group

Corporate

Profile

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Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania UAP HOLDINGS LIMITED 2014 Corporate Profile www.uap-group.com UAP HOLDINGS LIMITED 2014 Corporate Profile Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania www.uap-group.com

2.

3.

1. Overview

of UAP Group

UAP

is a

Pan-African

Integrated Financial

Services Group

.

General Insurance • Life Assurance • Medical Insurance •

Investment Management • Property Development •

Financial Advisory • Securities Brokerage

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4

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4 UAP’s

Evolution

_Current

_{Geographical Presence}

and Market Entry Dates

S O U T H S U D A N

2006

U G A N D A

2004

K E N YA

_1920’s

R W A N D A

2012

D R C O N G O

2012

TA N Z A N I A

₂₀₁₃

2011

2006

2005

2000

Becomes part of AXA

group after AXA acquires

UAP in France.

1996

1994

Incorporated in

Kenya as Provincial

Insurance Company

of East Africa.

1978

1920

AXA divests in 2000 and

UAP is acquired by Kenyan

shareholders.

On-set of tremendous growth

in volumes, assets and

geographical expansion.

UAP acquires ISO 9001

quality certification

Enters Uganda market by

end of 2004.

Shift from a traditional non

life insurance business to

a broad-based insurance,

property and financial

services company.

Entry into South Sudan.

Growth into new markets i.e.

DR Congo and Rwanda.

New products proliferation

e.g. mobile and mass market

covers.

UAP Insurance Company

formed after the merger

of Union Insurance and

Provincial Insurance following

the merger of their parent

companies, UAP of France and

Provincial of the UK.

Commencement of

operations in Kenya.

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6

6 UAP

Business Lines

INVESTMENT

MANAGEMENT

PROPERTY

INVESTMENTS &

DEVELOPMENT

INSURANCE

Equities

Commercial

General/

Non-life

Fixed Income

Hospitality (E.g.

Hotels & Serviced

Apartments)

Life

Real Estate

Retail (E.g.

_Malls)

Medical

Private Equity

Residential

Structured

Products

Industrial (E.g.

Warehouses)

Absolute

Returns

What Guides

US

VISION

MISSION

To enhance quality of life by delivering

peace of mind and financial freedom

through an exceptionally motivated

team that delivers what customers

want – when and where they

want it.

To be Africa’s

Revolutionary Financial

Services Group.

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9

8

9 Key Business Pillars

Product Variety/

distribution champi

on

Customer

Centricity

Process

Excellence

Technology

Innovations

Employer of Choice

for top class talent

Geographical

expansion

1

2

3

4

5

6 UAP

VALUES

We do what

we say and

say

what we do

We are

a pleasure

to deal with

We are passionate

about our work

and it shows

!

We build life

long

relationships

• Focus on customer experience, loyalty and referrals

• Strong emotional connection with client, targeting

profitable clients

• One stop shop for the customer

• Smooth client facing processes, supporting best in

class experience

• Should be supported by streamlined internal processes to

deliver quality

• Products that match customer preferences and are superior

to competitors

• Availability at the right time and place in all geographies

• Exploring bancassurance potential

• Technologically advanced player across most activities

- IT, product design, distribution, cost management etc

• Attracting & retaining passionate employees,

• Empowering employees by providing appropriate

conditions and HR capabilities

• UAP plans to enter a new market every

12-18 months

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Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania UAP HOLDINGS LIMITED 2014 Corporate Profile www.uap-group.com

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Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania

UAP HOLDINGS LIMITED 2014 Corporate Profile www.uap-group.com

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_1.

UAP

Achievements

UAP

at a

Glance

Key Metrics

• Serving

a

growing market

of over

200Mn

people

in the

Eastern Africa region

.

• Current

Group Revenues

exceeding

USD 110Mn

• Group Profits Before Tax

of over

USD 25Mn

• Group Assets

of more than

USD 350Mn

• Dedicated staff

population of over

580 Non - Financial

and

Financial

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www.uap-group.com

UAP Overall Key

Achievements

UAP HOLDINGS LIMITED 2014 Corporate Profile

Credit Rating AA

-

(Highest in East Africa)

First ISO certified insurer

(UAP Insurance Kenya certified 3

times – now to the latest standard)

FiRe Award

winner for 10 consecutive years

Had a successful Public Offer,

that raised over Kshs.750Mn

(Approx. USD.9 Mn) in 2012

Raised over Kshs.4.5Bn (Approx. USD.53Mn)

through

private equity investors participation in 2012

The Group’s revenue crossed the Kshs.10Bn

mark for the

first time to hit kshs.12.7Bn (approx. USD.148 Mn)

Now present in 6 countries

in the Eastern Africa Region

UAP 2013

Achievements

Think Business Awards

Winner

2013 General Insurer of the Year

Winner

2013 Socially Responsible Corporate

Global Award – Financial Times (FT)/

International Finance

Winner

Innovation in Sustainable Finance:

Kilimo Salama Corporation (IFC)

Winner

Socially Responsible Corporate

Ndakaini Marathon

Sponsors for 10 consecutive years

AKI Awards

Winner

Group Life Best Practices

Think Business Awards

Winner

2013 Customer Satisfaction Award

1st Runners up

Life Insurer of the Year

Uganda Association of Insurance Brokers

(UAIB) Awards

Overall Winner

Insurer of the Year (Uganda)

Winner

Technical Development 2013

Winner

Basic Service Delivery

2nd Runners Up

Claims handling and Settlement 2013

2nd Runners Up

Product Development 2013

Completion of UAP Heights Apartments, one of the premier residential addresses in Juba, South Sudan

Completion of the structure of Equatoria Tower, the largest Grade A Office Development in South Sudan

Launch of Agriculture Insurance

Best Services Exhibitor Trade Fair 2013

UAP INSURANCE KENYA

UAP LIFE ASSURANCE KENYA

UAP INSURANCE UGANDA

UAP SOUTH SUDAN

UAP INSURANCE TANZANIA

UAP INSURANCE RWANDA

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14 Segmental Revenues

(Kes’M)

9,899 2,173 573 ₉₆ 7,714 1,478 441 -142 -2,000 0 2,000 4,000 6,000 8,000 10,000 12,000 General

Insurance Life Assurance Property Other

2013 (KeS'M) 2012 (KeS'M)

72%

17%

8% 2% 1%

2013 Revenues By Country

Kenya

Uganda

South Sudan

Tanzania

Rwanda

Total Revenue by Country

108 26 12 4 1 150

(In USD Millions)

Kenya Uganda South Sudan Tanzania Rwanda Total

Total Revenues by Business Unit

2013 2012 USD M % USD M % General Insurance Life Insurance Property Investment Management/other Total 116 26 7 1 150 77% 17% 5% 1% 100% 91 17 5 -2 111 82% 15% 5% -2% 100% 1,441 315 486 -30 1,546 150 425 -373 -500 0 500 1,000 1,500 2,000 General

Insurance Life Assurance Property Other

PBT 2013 (M) PBT 2012 (M)

70%

29%

3% 1% -4%

2013 Proportion of PBT by Country

Kenya

Uganda

South Sudan

Tanzania

Rwanda

Proﬁt Before Tax by Country

₁₈

₇

₁

₀

₍₁₎

₂₆

(In USD Millions)

Kenya Uganda South Sudan Tanzania Rwanda Total

Profit before tax by

business unit 2013 2012 USD M % USD M % General Insurance Life Insurance Property Investment Management/other Total 17 4 6 (0) 26 65% 14% 22% -1% 100% 18 2 5 (4) 21 85.7% 9.5% 23.8% -19% 100%

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16 2013 % Contribution To Total Comprehensive Income

84%

16%

3%

1%

-3%

Kenya

Uganda

South Sudan

Tanzania

Rwanda

TCI by Country (In USD Millions)

Kenya 35 Uganda 6 South Sudan 1 Tanzania 0 Rwanda (1) Total 42 2,842 360 348 -9 2,104 145 235 -367 -1,000 -500 0 500 1,000 1,500 2,000 2,500 3,000 3,500 General

Insurance Life Assurance Property Other

TCI 2013 KeS'M TCI 2012 KeS'M

TCI by Business Unit

2013 2012 USD M % USD M % General Insurance Life Insurance Property Investment Management/other Total 34 4 4 (0) 42 81% 9.5% 9.5% 0% 100% 25 2 3 (4) 26 96% 8% 12% -16% 100%

Segmental Total Comprehensive Income

(KeS’M)

_{Five Year Financial Highlights}

The Group’s insurance premium revenue

increased by 41% to Kshs 12.7 bn, crossing

the Kshs 10 bn mark for the first time.

The Group’s profit before tax increased

by 27% to Kshs 2.2 billion crossing the

Kshs 2bn mark for the first time.

2009 2010 2011 2012 2013

Profit Before Tax

(In USD Millions) 3 9 14 21 26

2009 2010 2011 2012 2013

GWP (In USD Millions) 53 68 85 107 150

Gross Written Premium

14,000 12,000 10,000 8,000 6,000 4,000 2,000 9,055 12,737 2009 2010 2011 2012 2013 5,819 4,526

Gross Written Premium (Kshs Millions)

CAGR 30% 7,253 2,500 2,000 1,500 1,000 500 1,210 1,748 2,212 2009 2010 2011 2012 2013 790 280 CAGR 70%

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19 Five Year Financial Highlights (Continued)

Total comprehensive income, after taking

into account unrealized gains on equity

investments held by our non-life assurance

businesses, increased by 68% to Kshs 3.5 billion

giving us a total return on equity of 31%.

Total assets increased by 34% to

Kshs 33 billion on account of strong

growth in revenues.

18 UAP

Products and Services

2009 2010 2011 2012 2013

Total Comprehensive

Income (In USD Millions) (2) 14 3 25 42

2009 2010 2011 2012 2013

Total Assets

(In USD Millions) 116 146 171 290 390

Total Comprehensive Income

4,000 3,000 2,000 1,000 -1,000 228 2,116 3,541 2009 2010 2011 2012 2013 1,210 183

Total Comprehensive Income (Kshs Millions)

CAGR 100%

Total Assets

CAGR 34% 35,000 30,000 25,000 20,000 15,000 10,000 5,000 -33,110 2009 2010 2011 2012 2013 12,419 9,836

Total Assets (Kshs Millions) 14,510

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20 What We Offer

• Personal Lines

(Accident, Domestic Packages, Fire Solutions, Liability, Motor)

• Commercial Lines

(Accident, Agricultural Solutions, Aviation, Engineering Solutions,

Fire Solutions, Liability, Marine, Motor)

UAP Investments

UAP General Insurance

UAP Life

UAP Health

Property Investments &

Development

• Individual Protection

• Group Protection

• Equities

• Fixed Income

• Real Estate

• Individual Medical Insurance

• Group Medical Insurance

• Commercial

• Hospitality

(E.g. Hotels &

Serviced Apartments)

• Retail

(E.g. Malls)

• Private Equity

• Structured Products

• Absolute Returns

• Residential

• Industrial

(E.g.

Warehouses)

• Individual Savings

• Group Savings

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www.uap-group.com

Real estate developments completed include:

• Union House – Nairobi, Kenya

• Equity Center – Nairobi, Kenya

• Telkom Plaza – Nairobi, Kenya

• UAP Insurance House – Kampala, Uganda

• Nakawa House – Kampala, Uganda

• UAP Heights Apartments – Juba, South Sudan

• UAP Nakawa Business Park – Kampala, Uganda

Current real estate developments in the pipeline include:

• UAP Heights Apartments Phase 2 – Juba, South Sudan

• UAP Tower – Nairobi, Kenya

(33 storey commercial development)

• Equatoria Tower – Juba, South Sudan

(15 Storey commercial development)

• Mixed use development – Kigali, Rwanda

(Retail and Hospitality establishment)

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• 33 storeys + 3 basements

• 350,000 sq.ft of lettable office space

• 824 parking bays

• Completion: March 2015

UAP Tower

– Nairobi,

Kenya

• 8 storeys on 4 towers

• 250,000 sq.ft of lettable office space

• Completed: August 2013

UAP Nakawa

Business Park

– Kampala,

Uganda

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Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania UAP HOLDINGS LIMITED 2014 Company Profile www.uap-group.com

• 15 two-bedroom apartments

• Completed: 2013

UAP Heights

Apartments

– Juba,

South Sudan

• 15 storeys

• 94,000 sq.ft of lettable office space

• Completion: March 2015

UAP Equatoria

Towers

– Juba,

South Sudan

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Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania UAP HOLDINGS LIMITED 2014 www.uap-group.com UAP HOLDINGS LIMITED 2014 Kenya • Uganda • South Sudan • Rwanda • DR Congo • Tanzania www.uap-group.com

Contacts

UGANDA

KAMPALA SUBSIDIARIES

UAP Insurance Uganda Limited

UAP Insurance Building Plot 1 Kimathi Avenue P.O. Box 7185, Kampala - UGANDA Tel: +256 - 414 - 332 700 Fax: +256 - 414 - 256 388 Email: [email protected]

UAP Financial Services Limited

Plot 3-5 New Portbell Road, UAP Nakawa Business Park, Tower 1, 6th Floor

P.O. Box 1610, Kampala - Uganda Tel +256 414 332 700 Fax: +256 414 256 388

UAP Properties Limited

UAP Insurance Building Plot 1 Kimathi Avenue P.O. Box 7185, Kampala - Uganda Tel +256 414 332 700 Fax: +256 414 256 388 E-mail: [email protected]

UAP Life Assurance Uganda Ltd

Nakawa Business Park Plot 3-5 New Portbell Road, UAP Nakawa Business Park, Tower 1, 6th Floor

P.O. Box 1610, Kampala - Uganda Telephone: +256 - 414 – 332722 Email: [email protected]

BRANCH OFFICES MBARARA

Insurance & Life

Plot 23, High Street, PO Box 1171, Mbarara. Telephone: +256 - 4854 - 21422 Email: [email protected]

MBALE

Plot 58, Republic Street, PO Box 423, Mbale. Telephone: +256 - 454 - 34568 Email: [email protected]

JINJA

Plot 32/34, Main Street, 4 PO Box 1747, Jinja.

Telephone: +256 - 434 – 120047 Email: [email protected]

ARUA

Plot 24 Avenue Road, Mobile: +256 - 772 - 903 – 442 Email: [email protected]

NAKAWA

Soliz House, Lumumba Avenue - Ground Floor

Telephone: +256 - 414 - 332740. Email: [email protected]

GULU

Plot 16, Aewich Road, Gulu 7 Telephone: +256 - 471 – 432017 Email: [email protected]

SOUTH SUDAN JUBA SUBSIDIARY

UAP Insurance South Sudan Limited

UAP Plaza, Hai Cinema Opposite Al-Sabah Children Hospital P.O. Box 201 Juba, South Sudan Tel: +211 959 000000 / 977 296555 E-mail: [email protected]

BRANCH OFFICES WAU

Suk Wau, Opposite Ivory Bank Tel: +211 959 000002 South Sudan

E-mail: [email protected]

YAMBIO

Opposite Yambio FM, Next to MTN Antena Tel: +211 959 000001, South Sudan E-mail: [email protected]

RUMBEK

Opposite freedom square, Tel: +211 959 100051, South Sudan Email: [email protected]

BENTIU

West of Kalibelek Market Tel: ++211 959 000003, South Sudan E-mail: [email protected]

NIMULE

Opposite Rock city parking yard, Nimule customs along Nimule Juba High way

Tel: +211 959 100052, South Sudan E-mail: [email protected]

TORIT

Opposite Old Market Behind New Life Medical Care Tel: +211 959 100054, South Sudan

MALAKAL

Sebit

Tel: +211 959 100053, South Sudan E-mail: [email protected]

BOR

Marol Market, Next to Equity Bank Tel: +211 959 100050, South Sudan Email: [email protected]

AWEIL

Hai Ayuong, Next to Catholic Church, Opposite Aweil Central Hotel Tel: +211959 100090, South Sudan Email: [email protected]

KUAJOK

Opposite Freedom square, Next to KCB Tel: +211 959 100091, South Sudan Email: [email protected]

RWANDA KIGALI SUBSIDIARY

UAP Insurance Rwanda Ltd

Grand Pension Plaza - 7th Floor, Avenue de la Paix B.P 6644 Kigali, Rwanda, Tel: +250 25 2500905-7 Fax: +250 25 2500908 Email: uapinsurancerwanda@uap-group. com BRANCH OFFICES KIGALI Insurance

Customer Service Center

Grand Pension Plaza - Lower Ground Floor Avenue de la Paix B.P 6644 KIGALI- RWANDA Tel +250 25 2500905-7, Fax +250 25 2500908 Email: uapinsurancerw@ uap-group.com MUSANZE Northern Province Insurance

Musanze Branch - OM Building Tel +250 788 306 563 Northern Province Email: [email protected] MUHANGA Southern Province Insurance

Muhanga Branch - BK Building Tel +250 788 426 661 Southern Province Email: [email protected] KIGALI Insurance Nyabugogo Satellite

Cooperative INKUNDAMAHORO Building Tel +250 788 492 042 City of Kigali Email: [email protected] KIGALI Insurance Remera Satellite YYUSSA PLAZA Building Tel +250 788 304 577 City of Kigali Email: [email protected] DR CONGO KINSHASA SUBSIDIARY UAP Insurance RDC UAP RDC, sprl - courtier D’assurances/insurance brokers Bureau n° 3-0-B12, Kavali Center, n° 10/13 Croisement Av. Mutombo Katshi et Equateur Kinshasa/ Gombe, RDC Tel +243 975 33 88 33 Email: [email protected]

TANZANIA DAR ES SALAAM SUBSIDIARY

UAP Insurance Tanzania Ltd

Barclays House, 4th Floor, Ohio Street P.O. Box 71009 Dar Es Salaam, Tanzania. Tel: +255 22 213 7324 / 5 Fax: +255 22 213 7308 Email: uapinsurancetanzania@uap-group. com BRANCH OFFICES ARUSHA Insurance

NSSF Mafao House, 4th Floor, Old Moshi Road

P.O.Box 13123, Arusha, Tanzania Tel: +255 (027) 252 0133 Fax: +255 (027) 252 0134 E-mail: [email protected]

DODOMA

Insurance

Plot No. 47, Block 6, Nyerere Road Opp. Nyerere Square

P.O.Box 753, Dodoma, Tanzania Tel: +255 (026) 232 0999 Fax: +255 (026) 232 1998 E-mail: [email protected]

MWANZA

Insurance

AICT Building, Uhuru/Ushirika Road P.O.Box 644, Mwanza Tel: +255 (028) 254 2423 E-mail: [email protected] MTWARA Insurance Mahakama Road P.O.Box 938, Mtwara Tel: +255 23 23 34 750 Fax: +255 23 23 34 751

Contacts

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www.uap-group.com KENYA

UAP HOLDINGS LIMITED

Bishops Garden Towers, Bishops Road P.O. Box 43013 - 00100, Nairobi, Kenya Tel: + 254 20 2850000 Mobile: + 254 711 065 000 Fax: + 254 20 2719 030 E-mail: [email protected] Website: www.uap-group.com SUBSIDIARIES

UAP Insurance Company Ltd

Bishops Garden Towers, Bishops Road P.O. Box 43013 - 00100, Nairobi, KENYA Tel: + 254 20 2850 000

Mobile: + 254 711 065 000 Fax: + 254 20 2719 030

UAP Life Assurance Ltd

Bishops Garden Towers, Bishops Road P.O. Box 23842 – 00100, Nairobi, KENYA Tel: +254 20 2850 300

Mobile: +254 711 065 300 Fax: + 254 20 2719 030 E-mail: [email protected]

UAP Properties Kenya Limited

Bishops Garden Towers, Bishops Road P.O. Box 43013 - 00100, Nairobi - Kenya Tel: + 254 20 2850 000

Mobile: + 254 711 065 000 Fax: + 254 20 2719 030

UAP Investments Limited

3rd Floor I&M Building, 2nd Ngong Avenue P. O. BOX 43013 – 00100, Nairobi, Kenya Tel: + 254 20 2850 000 Mobile: + 254 711 065 000 Fax: + 254 20 2719 030 E-mail: [email protected] BRANCH OFFICES QUEENSWAY - NAIROBI Insurance

Queensway Hse 3rd Floor Kaunda Street P. O. Box 43013 - 00100 Nairobi, Kenya Tel: +254 20 2228070, 2229521 Fax: +254 20 222 7659

WESTLANDS - NAIROBI

Life

Woodvale Place, 2nd Floor Woodvale Gro ove Street Tel: +254 20 4456219/20 E-mail: [email protected]

MOMBASA

Insurance and Life

Tea House, Ground Floor, Behind Sairose Chinese Restaurant, P. O. Box 81612 - 80100 Mombasa, Kenya Tel: +254 041 2223777/8 Fax: +254 41 2315888 E-mail: [email protected] E-mail: [email protected] KISUMU

Tivoli Centre, Ground Floor Court Road P.O. Box 3379 - 40100 Kisumu, Kenya Tel: +254 57 2020119/019 Fax: +254 57 2024488 E-mail: [email protected] E-mail: [email protected] ELDORET Insurance

Imperial Court, Ground Floor, Uganda Road, P. O. Box 707 - 30100 Eldoret, Kenya Tel: +254 53 2061437/8 Fax: +254 53 2061437 E-mail: [email protected]

Life

Imperial Court, 1st Floor, Uganda Road, P. O. Box 707 - 30100 Eldoret, Kenya Tel: +254 53 2061437/8 Fax: +254 53 2061437 E-mail: [email protected] NAKURU Insurance Prestige Mall

P. O. Box 14116 - 20100 Nakuru, Kenya Tel: +254 51 2212910

Fax: +254 51 2214563 E-mail: [email protected]

Life

Giddo Plaza - George Morara Road P. O. Box 14116 - 20100 Nakuru, Kenya Tel: +254 711 065 175

THIKA

Insurance

Twin Oak Plaza - 1st Floor, Kwame Nkrumah Road P. O. Box 4280 - 01000, Thika, Kenya Tel: +254 67 20243/46 Fax: +254 67 20242 E-mail: [email protected] Life Avenue Tel: +254 67 11185 E-mail: [email protected] NYERI

Sohan Plaza, Ground Floor P. O. Box 1231 - 10100 Nyeri, Kenya Tel: +254 61 2030660/2034722 Fax: +254 61 2032941 E-mail: [email protected] E-mail: [email protected]

MERU

Hart Towers, 1st Floor, Njuri Ncheke Street

P. O. Box 3258 - 60200 Meru, Kenya Tel: +254 064 3130089 Fax: +254 064 30094 Wireless: +254 20 2423190 E-mail: [email protected] E-mail: [email protected] KISII

Ouru Complex - Ground Floor P. O. Box 209 - 40200, Kisii, Kenya Tel: +254 58 2031851 E-mail: [email protected] E-mail: [email protected]

MACHAKOS

P. O. Box 1092 - 90100 Machakos, Kenya Tel: +254 44 20011/21462 E-mail: [email protected] E-mail: [email protected]

SATELLITE CONTACTS NAIROBI

Trojan Insurance Agency Mutisya - 0721 206 540, Florence - 0712 904 602 [email protected] Grd Flr, Milele Centre - Kitengela Rone Insurance Agency Ndegwa - 0722 522 723, Florence - 0724 456 674 [email protected] 3rd Flr, Tyme Arcade -Ongata Rongai Sari & Silverguard Insurance Agency Kudoi - 0721 561 299,

Nancy - 0720 725 943 [email protected] 2nd Flr, Jeda Plaza -Roysambu

Karanja - 0723 081 004 [email protected] 3rd Flr, 24/7 Building - Kiambu James Kabuu Insurance Agency James - 0722 374 241, Susan - 0724 734 419 [email protected]

Above Barclays bank - Kikuyu Jane Mureu Insurance Agency Jane - 0722 759 763, Esther - 0700 446 625 [email protected] Safecourt Insurance Agency Maina - 0722 701 999, Njeri - 0724 638 277 [email protected] 4th Flr, Central Tower - Ruiru UAP (our satelite) Joseph - 0724 459 202, Timothy - 0725 562 071, Maureen 0720 671 473 [email protected] Grd Flr Prestige Plaza - Ngong Rd

NAKURU

Bomain Insurance Agency

Atanas Mbogo - 0722 897 359, 065 - 32872 [email protected] 1st Flr, Rm 12 Mima Centre Nyahururu Joshua & Sons Insurance Agency Joshua - 0722631120 [email protected] Mezz Flr, Rm 109, Biashara Plaza - Naivasha

MOMBASA

Marangi Insurance Agency Marangi - 0722 391 087 [email protected]

Grd Flr, Rm. 24, Malindi Mall Bldg, Malindi Vuma Insurance Agency

Esther Huro - 0722 433 071 [email protected] Nyanje Wanyanje Building , Voi

KISUMU

Daiga Insurance Agency John Chomba Wachira - 0720075263 [email protected]

3rd Flr, Ingonyera Plaza, Kisumu-Busia Rd

Elians Insurance Agency Ann Kiganya - 0721917512 [email protected] 1st Flr, Tharau Building, Kakamega Sage Advice - Dan Adhiambo

Dan Odhiambo - 0733140149 / 0733448429 [email protected] Bondo

NYERI

Nanyuki insurance Brokers Agnes - 622032088/0721544974 [email protected]

Mobil Building, Esso Motor Sale -Nanyuki Banning ways Insurance Agency Lucy Mungai - 0722829571

[email protected] Grd. Flr, Arahuka Building - Murang’a

ELDORET

Eden Rock Insurance Brokers Ltd [email protected] Grd. Flr, Pent house - Kitale

EMBU

UAP (our satelite) Linet Njagi - Ext 11184 [email protected] Grd Flr, Uchumi Supermarket – Embu

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