Insurance Penetration in Kenya is at 2.7% due Lack of education/Knowledge, Mistrust, inefficiency and lack of transparency. 

There is also mismatch between the products offered , distribution channels and the Millennials.

To solve this problem, we have created a online one stop shop whereby a customer is able to compare benefits and price from many different companies and buy the policy that suites them online. Once they buy, the policy certificate is delivered to their doorstep. This brings about transparency, convenience  and trust. In the event of a claim, the customer claims through the portal. We have also partnered with an underwriter to distribute mobile phone insurance which is our affinity product among the Millennials, once they buy the phone insurance we cross-sell other products.

We believe that this Venture is going to succeed because we are capturing the upward mobile youth very early and grow with them as their income increases.