The MicroEnsure Team
Adjoa joined MicroEnsure with a rich professional experience in Ghana and abroad. Having earned a BA at the University of Sheffield (UK), Adjoa worked as an intern in Goldman Sachs' London office.
Subsequently, she returned to Ghana to lead two start-up businesses, including a food supply company she helped grow revenues from USD 100,000 to USD five million in a space of five years
In 2011, Adjoa was selected by Fortune magazine and the US State Department as one of 26 emerging female leaders in the Fortune/US State Department Global Women's Mentoring Programme, where she interned with Accenture Plc under the mentorship of the CFO and CMO of the company.
In 2012, she was selected by the US Embassy in Accra as the youngest member of a network of notable Ghanaian businesswomen.
Martin Fuller has been Chief Operating Officer since May 2011 having joined MicroEnsure initially as Chief Technology Officer in 2009. His background includes extensive IT and business process consulting, project/programme management and operational service delivery and improvement roles with major blue chip and public sector organizations.
His systems experience covers implementation of both large scale enterprise wide solutions and development of targeted innovative technology solutions to address specific business needs. Previous roles include Professional Services Director with HBS and Mouchel Group plc, Transformation Director with Mouchel Group plc, and COO and co-founding director (and latterly Managing Director) of Archway Consulting Limited, a specialist eProcurement consultancy and solution implementer. He holds a First Class MA Honours and an MPhil from Cambridge University.
Peter Gross is MicroEnsure's Regional Director, Africa. He previously worked as Business Development Manager, Africa and prior to that as General Manager of MicroEnsure Ghana from 2010-2012.
Prior to his work with MicroEnsure, Peter worked for five years with a top US private firm in business development, logistics and sales management.
He holds a BA in Classics from Davidson College, a BA/MA in Theology from Oxford University, and an MBA from Emory University. Whilst in Atlanta, he began a ministry on his street that offered food, prayer and counseling to neighbors trapped in urban exploitation, including drug addiction and prostitution.
Richard began working in microinsurance in January 2002 after leaving Benfield Greig, a leading reinsurance intermediary, where he worked as a reinsurance broker responsible for the African account and worked in a team covering the Middle East and South East Asia.
Richard pioneered the introduction of insurance products within the Opportunity Network, which led to the establishment of the Micro Insurance Agency, which subsequently became MicroEnsure.
He is an industry expert in the field of microinsurance and also serves on the steering committee of the ILO “Micro Insurance Innovation Fund,” a $35m fund provided by the Gates Foundation.
Stephen’s broad experience has been gained across finance, sales and marketing functions in multinational corporations - most recently at Hewlett Packard.
Stephen qualified as a chartered accountant with C.I.M.A in 1995 and holds a Management Degree from Loughborough Business School.
Will de Klerk joined MicroEnsure in September 2010. Will is a seasoned health insurance professional with over twenty years experience in health care financing and the initiation, development and delivery of low cost health insurance products.
Will has experience in product development, product pricing, distribution and financial performance management with a specific focus on the low income market. Technically Will has experience in contractual arrangements and commissioning of service providers, the development of wide primary care networks to improve access to healthcare for low paid workers and negotiation with regulators for registration of products.
Will previously worked as a Director for JMCA, an actuarial consulting firm based in South Africa and operating three Southern African countries where he consulted to numerous employer and private medical insurance schemes.
William joined MicroEnsure Philippines with 13 years working experience in life insurance and 17 years working with non-life insurance products in the Philippines market. William also has extensive experience over 38 years in the not-for-profit and microfinance sectors.
In his last role before joining MicroEnsure William managed and supervised TSKI’s micro insurance and microfinance agriculture program, as well as other micro services programs including Nutritional Laboratory, Electronic Livelihood Program, Shell Solar Electricity Program, K Pharmacy and Kauswagan Village.
William is a renowned authority on micro insurance in the Philippines and was a member of the team that designed innovative Micro Insurance Products such as weather index insurance for typhoon & drought, micro housing, health, life, funeral & personal accident.
Philippines Insurance Commission Starts Microinsurance Dispute Framework
The Insurance Commission (IC) has signed a circular to implement the Alternative Dispute Resolution for Microinsurance (ADReM) framework.
Stephen Cartwright Appointed as Finance Director for MicroEnsure
Stephen Cartwright has been appointed as Finance Director for MicroEnsure. Stephen’s broad experience has been gained across finance, sales and marketing functions in multinational corporations.
Clinical Lessons from the Mountain (Part Two)
Is Pneumonia being over-diagnosed?
Identifying Microinsurance Breakthroughs
In 2001 Jim Collins wrote in his book “Good to Great” about how companies achieve breakthrough. He asked his readers to imagine having the task of getting a huge flywheel with a 30 foot diameter in motion.