Welcome to aYo Holdings

At aYo, we provide fast, convenient, easy-to-use hospital and life insurance cover directly to a user’s mobile phone through our partnership with MTN and leading insurers.

 

Since launching in 2017, we’ve paid $millions in claims through our operations across Uganda, Ghana, Zambia and Côte d’Ivoire.

 

We help enable financial inclusion in Africa by offering our customers an easy way to get hospital cover and life cover protection. We offer cover against illness and death to lower, middle and irregular-income earners through these key products: Recharge with Care and Send with Care. Pay with Care and Family Care are new products that will be launching soon.

 

By registering using a mobile phone for aYo Recharge with Care, customers get a minimum of 30 days’ aYo cover every time they load MTN airtime.

When customers send money through MTN Mobile Money (MoMo), they can add aYo Send with Care cover, which lasts for 120 days.

Welcome to aYo Holdings

At aYo, we provide fast, convenient, easy-to-use hospital and life insurance cover directly to a user’s mobile phone through our partnership with MTN and leading insurers.

 

Since launching in 2017, we’ve paid $millions in claims through our operations across Uganda, Ghana, Zambia and Côte d’Ivoire.

 

We help enable financial inclusion in Africa by offering our customers an easy way to get hospital cover and life cover protection. We offer cover against illness and death to lower, middle and irregular-income earners through these key products: Recharge with Care and Send with Care. Pay with Care and Family Care are new products that will be launching soon.

 

By registering using a mobile phone for aYo Recharge with Care, customers get a minimum of 30 days’ aYo cover every time they load MTN airtime. When customers send money through MTN Mobile Money (MoMo), they can add aYo Send with Care cover, which lasts for 120 days.

We’re committed to financial inclusion

By providing insurance to the people of Africa, we’re driving financial inclusion and making a tangible, positive difference to people’s lives.

We’re driven by technology

At our core, we’re a technology company. The key to the growth of the African micro-insurance market is the rapid expansion of mobile network providers like MTN, which provide the ideal delivery mechanism to enable accessibility, adoption and usage of our products.

We’re building better futures

Micro-insurance allows people with lower incomes to protect themselves and their families against the impact of specific events (like hospitalisation because of illness or accident, and even death) quickly and cheaply. This opportunity gives many Africans exposure to life cover for the first time, and will help shield them from the economic shocks that could otherwise keep them locked into an endless cycle of poverty.

our Values

At aYo the following five values are our North Star. These values determine our decision making, inform our product development and help our team build meaningful careers.

Champion our Purpose

Consider improving the lives of clients we serve in everything do; Consider relevant, accessible and easy to use; We always look to engage better; A future where everyone uses insurance.

Show care in all we do

Display empathy;
Care for each other and our clients;
Keep our promises;
Ensure what we deliver works well;
We don’t misrepresent anything.

Be adventurous

Be curious; Be brave,
Keep moving on.

Create and share joy

Exceed our clients expectations, Connect with each other as well as our clients and partners, Have fun.

Move fast and learn fast

Implement quickly; Take actions and make choices toward a shared view of success; Keep getting better; Test quickly and keep what works; Fail fast if we must

our Country Leaders

,

Marius Botha

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Group CEO, aYo Holdings

A self-confessed accidental actuary, Marius has built a powerful track record in the African insurance sector. He was previously CEO of life insurer Stangen for nearly seven years, and has held executive positions at African Bank and Munich Re. Botha holds an honours degree in actuarial science and an M.Phil in Futures Studies.

,

Allan Lwanga

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CEO, aYo Uganda

Allan is a skilled business development professional with extensive experience in the Ugandan insurance industry. He holds a BSc degree from the Makerere University, a post-graduate diploma in marketing and post-graduate qualifications in Accounting and Business/Management from the City & Guilds of London Institute; Finance, from the University of Westminster; and in Marketing, from the Chartered Institute of Marketing (CIM). 

,

Francis Gota

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CEO, aYo Ghana

Francis has 12 years of experience in the insurance industry, having previously worked as a Business Service Manager at Saham Life Insurance Ghana. He holds an Honours degree in Actuarial Science from the University of Cape Coast and an executive MBA from the University of Ghana. He is an active member of several industry bodies, including the Microinsurance Network, the Access to Insurance Initiative (A2ii), Actuarial Society of Ghana, Actuaries Without Borders, and the International Actuarial Association.

 

,

Andrew Nkolola

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CEO, aYo Zambia

Andrew has more than 16 years’ experience in the mobile payment solutions and life insurance sectors in Zambia. He holds an Honours degree in Public Administration from the University of Zambia and is an alumni of the International Microinsurance Master Program class of 2019.

,

Jean-Charles N’Gotta

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CEO, aYo Cote d’Ivoire

Jean-Charles is an experienced actuary with a decade of experience in the insurance industry. Before joining aYo in November 2019, he was Head of Brokerage and Key Accounts at Saham Assurance, where he helped drive increased turnover through external distribution networks and brokerage relationships. He holds a degree in Actuarial Science from the University of Cape Coast. Outside of his professional interests, he is actively involved in community work, as a founding member of the Lions Club Abidjan Arabusta.

 

,

Kayode Odetola

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Country General Manager, aYo Nigeria

Kayode has more than 17 years of experience in the retail insurance industry, with a strong track record in business development, customer service, operations, sales and strategic planning.Before joining aYo in November 2021, Kayode was Head of Retail Distribution at Old Mutual Nigeria.
Kayode holds a Bachelor’s degree in Urban and Regional Planning from the Obafemi Awolowo University and a MBA from the National Open University of Nigeria, amongst others.

,

Laetissia Enonga-Dissake

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CEO, aYo Cameroon

Laetissia has 15 years of experience in distribution of Life and Non-Life insurance products, specialist of Bancassurance and Microinsurance in Cameroon. Before joining aYo, she was Commercial Director at Allianz Cameroon and Activa Assurance.

She holds a European Master of Sciences in Business from the European Accreditation Board for Higher Education Schools, a master’s degree in insurance management from the Higher School of Insurance (Paris) and a master’s degree in HR Management from the Catholic University of Central Africa (Yaounde), amongst others.

Marius Botha

Group CEO, aYo Holdings

A self-confessed accidental actuary, Marius has built a powerful track record in the African insurance sector. He was previously CEO of life insurer Stangen for nearly seven years, and has held executive positions at African Bank and Munich Re. Botha holds an honours degree in actuarial science and an M.Phil in Futures Studies.

View LinkedIn Profile

Allan Lwanga

CEO, aYo Uganda

Allan is a skilled business development professional with extensive experience in the Ugandan insurance industry. He holds a BSc degree from the Makerere University, a post-graduate diploma in marketing and post-graduate qualifications in Accounting and Business/Management from the City & Guilds of London Institute; Finance, from the University of Westminster; and in Marketing, from the Chartered Institute of Marketing (CIM).

View LinkedIn Profile

Francis Gota

CEO, aYo Ghana

Francis has 12 years of experience in the insurance industry, having previously worked as a Business Service Manager at Saham Life Insurance Ghana. He holds an Honours degree in Actuarial Science from the University of Cape Coast and an executive MBA from the University of Ghana. He is an active member of several industry bodies, including the Microinsurance Network, the Access to Insurance Initiative (A2ii), Actuarial Society of Ghana, Actuaries Without Borders, and the International Actuarial Association.

View LinkedIn Profile

Andrew Nkolola

CEO, aYo Zambia

Andrew has more than 16 years’ experience in the mobile payment solutions and life insurance sectors in Zambia. He holds an Honours degree in Public Administration from the University of Zambia and is an alumni of the International Microinsurance Master Program class of 2019.

View LinkedIn Profile

Jean-Charles N’Gotta

CEO, aYo Cote d’Ivoire

Jean-Charles is an experienced actuary with a decade of experience in the insurance industry. Before joining aYo in November 2019, he was Head of Brokerage and Key Accounts at Saham Assurance, where he helped drive increased turnover through external distribution networks and brokerage relationships. He holds a degree in Actuarial Science from the University of Cape Coast. Outside of his professional interests, he is actively involved in community work, as a founding member of the Lions Club Abidjan Arabusta.

View LinkedIn Profile

Kayode Odetola

Country General Manager, aYo Nigeria

Kayode has more than 17 years of experience in the retail insurance industry, with a strong track record in business development, customer service, operations, sales and strategic planning.

Before joining aYo in November 2021, Kayode was Head of Retail Distribution at Old Mutual Nigeria, where he was responsible for business development and growth strategy.

Kayode holds a Bachelor’s degree in Urban and Regional Planning from the Obafemi Awolowo University, an MBA from the National Open University of Nigeria, and completed a Management Advance Programme from the University of the Witwatersrand. He is also an Associate with the Chartered Insurance Institute of Nigeria.

View LinkedIn Profile

Laetissia Enonga-Dissake

CEO, aYo Cameroon

Laetissia has 15 years of experience in distribution of Life and Non-Life insurance products, specialist of Bancassurance and Microinsurance in Cameroon. Before joining aYo, she was Commercial Director at Allianz Cameroon and Activa Assurance.
She holds a European Master of Sciences in Business from the European Accreditation Board for Higher Education Schools, a master’s degree in insurance management from the Higher School of Insurance (Paris) and a master’s degree in HR Management from the Catholic University of Central Africa (Yaounde), amongst others.

View LinkedIn Profile