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, Côte d’Ivoire and Cameroon.
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, Send with Care and Family Cover. Pay with Care will be launching soon in respective markets.
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, Côte d’Ivoire and Cameroon.
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, Send with Care and Family Cover. Pay with Care will be launching soon in respective markets.
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
Care for each other and our clients;
Keep our promises;
Ensure what we deliver works well;
We don't misrepresent anything.
Keep moving on.
our Country Leaders
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.
Thomas Sekanwagi
Country General Manager, aYo Uganda
Thomas has more than 15 years’ experience in the service industry from customer service, information systems, marketing and administration. Before joining aYo in 2016,
Thomas held various portfolio’s in the telecom industry. He holds an honours degree in Information Technology and is currently pursuing a diploma from the Insurance Institute of Uganda.
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.
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.
Luisa Osorno
Country General Manager, aYo Cote d’Ivoire
Luisa holds a bachelors in international business and a masters in finance and investment from the Erasmus University of Rotterdam. Luisa’s journey led her from the finance sector in Dubai to the captivating world of marketing. It was during her entrepreneurial venture in Ivory Coast, where she launched her own tech firm, that she discovered her true passion for marketing. Her diverse international expertise allows her to approach marketing challenges with a unique perspective.
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.
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.
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.
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.
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.
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.
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.
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.
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.
