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Githua Ngaruiya, Managing Director of Madison Life Assurance, sat down with Wanjiru during the #19thaibkconference for a conversation that really opened up the state of the industry and where the real opportunities lie in Kenya. Here’s the thing, Githua has attended five conferences in a row and still called this year’s edition the most impactful. Strong speakers, sharp topics and the kind of networking that actually moves the industry forward. He spoke about why partnerships with brokers matter, how collaboration shapes growth and why the relationship between insurers and AIBK should get even stronger. They also dug into what customers really want today. Clear pricing, simple service on mobile, and a claims process they can trust. Githua pointed out that Kenyans are more informed and tech aware, which means insurers must keep up through digital delivery that actually works. He also welcomed the rise of bancassurance. In his view, banks bring insurance to new customer segments, which pushes the entire market to grow. And with Kenya’s insurance penetration still below 2 percent, he sees a huge opportunity to reach the country’s young population with products that give real financial protection. The conversation wrapped up with a shared agreement that collaboration is not optional anymore. Insurers, brokers and industry bodies need to plan together, solve together and expand coverage together. #futureofinsurance