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COMPANY PROFILE

COMPANY INFORMATION/ BACKGROUNDINTRODUCTIONA-Plan Insurance Brokers Limited was incorporatedunder the Companies Act (CAP 486) of the Laws ofKenya as a Private Limited Company to carry outInsurance Brokerage Services. We comply and work asper the Insurance Act.Our Head Office is located in Nairobi, Lottas Plaza, 1stFloor, Chiromo Lane off Ojijo Road, Parklands.REGISTERED OFFICESHead OfficeLottas Plaza, 1st Floor, Chiromo Lane off Ojijo Road,ParklandsP. O. Box 11287 – 00100,NAIROBI.Branch OfficesNSSF Building, 1st FloorNkuruma Road, Room No. 103P. O. Box 88984 - 80100,MOMBASA. 1

Rehema Complex, 3rd FloorRonald Ngala StreetP. O. Box 638 - 30100,ELDORET.Old Marshall BuildingKimathi Way StreetP. O. Box 489 - 10100,NYERI.Finance House, 2nd FloorKenyatta AvenueP. O. Box 489 – 22136-20100,NAKURU.AUDITORSHudson & Associates,Certified Public Accountants (Kenya),Embassy House, 2nd Floor,P. O. Box 4984 – 00200,NAIROBI. 2

LEGAL ADVISORSSichangi Partners Advocates2nd Floor IPS Building,P. O. Box 33223 - 00600,NAIROBI.TECHNICAL CONSULTANTS/RISKIMPROVEMENT, RISK MANAGEMENTSafety Surveyors LtdHead OfficeOccidental House, 2nd FloorBaricho Road off Bunyala RoadP. O. Box 2761 – 00506,NAIROBI.PROPERTY VALUATION/SURVEYSSafety Surveyors LtdHead OfficeOccidental House, 2nd FloorBaricho Road Off Bunyala RoadP. O. Box 2761 – 00506,NAIROBI. 3

LOSS ADJUSTERS / ASSESSORSGeneral Adjusters (K) LtdApple Wood Park, 3rd FloorWood Avenue, KilimaniP. O. Box 75149 – 00200,NAIROBI.AUTOMOBILE VALUERS AND ASSESSORSRegent Automobile Valuers LimitedTRV Plaza 2nd Floor Wing 2B, Muthithi Rd, WestlandsP. O. Box 34365 – 00100,NAIROBI.PROFESSIONAL MEMBERSHIP  Association of Insurance Brokers of Kenya (AIBK)  Insurance Institute of Kenya (IIK)CAPITAL BASE - KShs. 10,000,000/= - KShs. 5,000,000/=  Authorized Share Capital  Issued Share Capital4

BANKERS a) Consolidated Bank of Kenya Ltd, Koinange Street Branch, P. O. Box 5113 – 00200, NAIROBI. b) Co-operative Bank of Kenya Ltd, University Way Branch, P. O. Box 60800 – 00200, NAIROBI.GUARANTEELien Security:Consolidated Bank of Kenya has provided ourcompany with a Bank Guarantee of KShs.3,000,000/= in favour of Insurance RegulatoryAuthority (IRA).OUR VISIONTo be the leading Insurance Intermediary SolutionsProvider in East & Central Africa by 2015 5

OUR MISSIONTo provide efficient, value added, uncompromised allround insurance service to the satisfaction of all ourclientele and to make positive contribution to societyand environment in the processOUR CORE VALUES  Integrity  Professionalism  Efficiency  Customer Focus  Accountability  Innovativeness  Service DeliveryOBJECTIVETo provide insurance solutions and risk managementadvisory services that build efficiency and superiorcapacity in manpower and material resourcesutilization and facilitate delivery of quality products soas to achieve a maximum return on our clients’investment in each insurance service they purchasewhether in life or general insurance. 6

CORE ACTIVITY  To offer cost effective risk management solutions that help improve the quality status of a client’s risk(s) and that provide value.  To creatively use technological advancements in information management to provide a consistently reliable personalized service.  To customize services and continually surpass customer expectations.  To ensure consistency, reliability, innovation, creativity and service delivery.GOALS  To provide accurate and timely consultancy/advisory insurance services to all clients.  To provide regular product/service information updates related to insurance.  To provide advisory services on premium financing when the need arises by recommending the best available premium financing houses(s).  To provide tailor-made insurance covers for each client. 7

SERVICE DELIVERYWe provide professional advice to our clients in areasof risks to be covered, and what covers to take up, riskmanagement, exclusions, excesses, etc. at time of loss,we assist the clients on claims handling procedures.We also have an excellent link with the underwriters inpSlEacRinVgICE LcEoVveErLs,S providing the necessarydocumentations and paymentsOur Terms of Reference in Performing theAssignment i. Negotiate and obtain insurance covers for the client’s assets, employees and potential legal/contractual liabilities from reputable insurance companies at competitive terms and conditions. ii. Aggressively pursue claims arising out of the insured perils and ensure prompt and expeditious settlement. iii. Provide prompt and satisfactory service on the general management of the policies, claims, reviews and other technical advice. iv. Advice the client on sources and options for premium financing on favorable terms and conditions, if so required. 8

v. Arrange the immediate placement of our client’s risks with insurers/co-insurers, and advise the clients accordingly. vi. Getting quotations from underwriters on the premium payable for the various policy risks and recommending to the client the most suitable underwriters.vii. Analyze, review and scrutinize policy document, and any endorsements therein, and if the entire policy document is found to be satisfactory. Such document shall be deposited with client not later than 15 days upon receipt of the policy documents.viii. Ensure proper and efficient claims administration by fully coordinating prudent requirements between the insured and the selected underwriter. ix. Ensure that the sums insured under the policy will be adjustable accordingly by suitable means upon enhancement or reduction of insurance cover from time to time. x. Negotiating with the qualified underwriter any other pertinent aspects of the policy that arise during the term of the policy. xi. Provide such other services as may be related or auxiliary to the due performance of the above work 9

OUR SCOPE OF SERVICEA. Work with and be responsive to the client in all areas customarily related to placing insurance coverage as per the requirement of the client.B.Develop as needed and implement strategy to guarantee and maintain competitive rates and benefits of insurance coverage from the available market.C.Advise and consult with the client as to the type and format of data that needs to be collected and maintained to maximize cover, benefit and renewal of the coverage.D.Co-ordinate and assist with the preparation of coverage applications and related forms necessary for submission to underwriters/insurer.E.Solicit and provide the client with competitive coverage options and alternatives from qualified insurers that fit within the overall mandatory limits and relations.F. Serve as liaison between the client and the selected underwriters, keeping the client fully apprised of any and all matters that materially impact the coverage.G.Advise and consult with the client on any actual or proposed risk management issues that could impact on the coverage and the cost thereof. 10

H.As requested by the client, testify before courts of justice or other jurisdiction or provide assistance in connection with any legal proceedings in which the client or its staff is a party in relation to the services provided under the contract.I. As requested by the client, provide other such services for which we have the technical capability to render, andJ. Maintain full and accurate records with respect to all matters covered under the contract. Additionally, at the request of the client, we shall deliver such documents and work papers to the client within 30 days upon termination or completion of the contract.UNDERWRITERS/ INSURERSA – PLAN has established excellent rapport with allleading reputable and secure insurance companieswith impeccable credentials recognized internationally.Factors Taken Into Account When Choosing Insurer Financial security of insurer. of Professional qualification and quality management Integrity, reliability and efficiency of an insurer Realistic attitude towards claims Reinsurance protection The overall cost of the programme11

PREFERRED & ASSOCIATEDUNDERWRITERSThe list comprises of:-  Jubilee Insurance Company Ltd  ICEA Lion Insurance Group  CIC General Insurance Ltd  Britam General Insurance Company (K) Ltd  AIG Kenya Insurance Company Ltd  APA Insurance Ltd  UAP Insurance Company Ltd  First Assurance Company Ltd  Pan Africa Life Assurance Company Ltd  Madison Insurance Company (K) Ltd  Metropolitan Cannon Assurance Company Ltd  Heritage Insurance Company Ltd  Kenyan Alliance Insurance Ltd  Africa Merchant Assurance Company Ltd (AMACO)  Kenindia Assurance Company Ltd 12

 GA Insurance Company Ltd  Saham Assurance Company LtdPRODUCTS AND SERVICES OFFEREDWe transact in all classes of General, Life and healthinsurances, among them the following:- Fire and Related Perils & Fire Consequential Loss Motor Insurance Burglary Money/Cash in Transit Fidelity Guarantee. Public/Product Liability Professional Indemnity Group Personal Accident Group Life Assurance & Last Expense Group Credit Life Assurance Mortgage Protection Insurance Trustee/Directors Liability Assurance Contractors All Risk & Contractual Liability Directors & Officers Liability Insurance Domestic Package Insurance 13

 Work Injury Benefits Acts (WIBA) Employers Liability (Common Law) Computer/Electronic Equipment Insurance Marine Insurance (Hull, Cargo & Freight Cover) Engineering & Engineering Consequential Loss Aviation Insurance (Hull, Passenger Liability & Public Liability Insurance Terrorism & Sabotage Insurance. Travel Insurance Medical Insurance Livestock Insurance Crops Insurance (Agriculture)Medical insurance – In & Out patientIt is highly recommended that every employer shouldoffer medical cover for its employees and theirdependants in the event of illness or injury in case ofan accident. The importance of this cover cannot beoveremphasized given the high costs of medicaltreatment and the inability of most people to meetthese expenses. The cover gives peace of mind as well 14

as financial assistance in the event of incurring medical expenditures. We arrange both inpatient and outpatient cover for corporate and individuals with insurance companies who offer medical insurance and health providers who have credit arrangements. For illnesses that require special treatments outside the country, worldwide cover and evacuation comes in handy to offer these services.LIST OF OUR CLIENTSHere below are some of the organizations whom weprovide our services. Kenya Electricity Generating Co. Ltd (KENGEN) China Road and Bridge Corporation Geothermal Development Company (GDC) Kericho County Government Kenya Utalii College Kenya Institute of Education (KIE) Kenya Bureau of Standards (KEBS) Moi University 15

 Kenya Industrial Research & Development Institute (KIRDI) Kenya Maritime Authority (KMA) The Jomo Kenyatta Foundation (JKF) Kenya Accreditation Service University of Nairobi Kenya Seed Company Kenya Broadcasting CorporationJust to mention but a few.DIRECTORS’ PROFILEA-Plan Insurance Brokers Limited has a very experiencedBoard of Directors with a capacity to undertake multipleinsurance responsibilities/ tasks at any given time;1. Janesther Gathigia Karugu – Principal Officer/Administration Manager B.Comm (Ins. Option) UON and ACII Has 30 years working experience in the Insurance Industry. Last Assignment as Technical Manager, Intra Africa Assurance Co. Ltd2. Samuel Nderitu – Director 16

MSK , ACIIHas 22 years working experience in insurance industry.Last assignment as General Manager, Arkchoice InsuranceBrokers Ltd3.Nderitu Mwotia – Director BSc (Eng.) Worked as a Senior manager with H. Young before moving to Kirinyaga Construction Company as a site manager. Currently the Director of Pumpken Engineering Company LtdNB: All the named Directors are Kenyan CitizensSENIOR MANAGEMENT/ HUMAN RESOURCESDETAILSA-Plan Insurance Brokers Limited is a reputable andhighly rated insurance broking firm in Kenya with aworkforce of 22 employees. The key staff who are involvedin the day-to-day activities of the company are listed belowwith their relevant professional qualifications andexperience.1. MRS. JANESTHER GATHIGIA KARUGUPosition : Principal Officer/Administration 17

Education ManagerProf. Background : B.Com (Ins. Option) – UONExperience : ACII : 30 Years in insurance industry. Last worked as Technical Manager at Intra Africa Assurance Co. Ltd2. MR. SAMUEL NDERITUPosition : Operations DirectorEducation : “0” Level, ACIIProf. Background : ACIIExperience : He has been in the insurance industry for over 22 years in Senior Management positions3. MR. LUIS N. KABUGAPosition : General ManagerEducation : “A” Level, ACIIExperience : Has over 33 years’ experience in the insurance industry having worked with various insurance companies4. JANE ONYWERE : Assistant General ManagerPositionEducation : B.Com (Ins. Option) – UONExperience : Has over 24 years’ experience in the insurance industry5. MR. KIBET BIEGON MELVINPosition : Director Finance 18

Education : BA-Leadership & ManagementProf. Background HND- HRMExperience : COP : Has over 10 years’ experience in the insurance industry.6. JAMES NGARI GATHARAPosition : Marketing/Technical ManagerEducation : B.Com (Ins. Option) – UONProf. Background : ACIIExperience : Has over 28 years’ experience in the insurance industry7. BERNARD M. KISEVEPosition : Marketing Assistant ManagerEducation : B.Com (Ins. Option) – UONProf. Background : ACII (Finalist)Experience : Has over 19 years’ experience in the insurance industry8. SAMUEL NGUGI : Claims Manager Position : B.Com (Marketing Option) – UON Education : ACII, ILAR Prof. Background : Has over 21 years’ experience in Experience the insurance industry9. HARON MBAIKO KIBINGEPosition : Underwriting ManagerEducation :B.Com(Ins.Option)–Egerton UniversityProf. Background : ACII, ACILAExperience : Has over 16 years’ experience in the insurance industry 19

10. DOROTHY K. MUTUAPosition : IT/ Business Development ManagerEducation : BSc (IT) – JKUAT, Diploma in ITExperience : Has 8 years’ experienceADVANTAGES OF INSURING THROUGH A-PLANINSURANCE BROKERS LTD We act as faithful advisors to our clients in matters relating to insurance services and at all times support and safeguard their legitimate interests in any dealing with third parties We offer effective premium rates for both motor and non-motor We always ensure policy documents are processed by the underwriters without any delay We update our clients on any new developments within the insurance industry to ensure that their interests are safeguarded at all times We ensure that lodged claims are handled quickly and efficiently and that fully documented claims are settled within one (1) week We hold quarterly meetings with our corporate clients to review performance of the contracts 20

 To ensure efficiency and timely processing of data, we have installed the latest state of art Information Management System to be abreast with technology We study and negotiate the terms of insurance policies to suit the requirements of our clientele and also enhance their policies so that they have the widest cover possible 21