The MicroEnsure Team
Adelaide has been the Principal Officer for MicroEnsure Kenya since February 2014. She joined MicroEnsure with seven years experience in the Kenyan insurance sector having worked for Jubilee and APA Insurance.
Adelaide formerly worked as Group Product Development Officer for the Apollo group. She holds a BSc in Actuarial Science.
In her free time, Adelaide enjoys playing the guitar.
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.
I have been with MicroEnsure since early 2010 in various management roles and became Regional Director - Africa in May 2013.
Based in Nairobi, I currently direct MicroEnsure’s operations and business development in our 10 operations across the continent.
During my time as Regional Director, MicroEnsure has launched the first-ever free mobile insurance product covering life, accident and hospitalisation, as well as the first insurance product in Africa where sales, education, enrolment, policy management, premium collection, claims submission and claims payment took place completely on a customer's phone.
In February 2014, we also went live with the largest-ever private group life insurance product in Africa via Airtel Zambia, covering more than 2 million people and increasing insurance penetration in the country from 1% to 16% of the population overnight.
I hold a BA in Classics from Davidson College, an BA/MA in Theology from Oxford University, and an MBA from Emory University.
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.