EMBA 14 B ALUMNI

Who are we? YOA Direct is a member of the YOA Group and is focused on creating innovative and direct distribution of personal insurance products to individuals and scheme members in Nigeria. Other members of the group include YOA Insurance Brokers, a leading insurance broker specialising in providing risk solutions to clients in the energy industry while YOA Consulting leverages on our rich insurance pedigree to provide valuable advice on insurance and risk related matters. We are a member of the Jardine Lloyd Thompson Group [‘JLT’] International Network and we work closely with JLT in the placement of Nigerian risks into the international market. JLT is today ranked as the world’s fifth largest insurance broker. Our “YOA” identity is derived from our sister company, Yinka Omilani & Associates, which was established in 1978 and is the oldest indigenous loss adjuster in Nigeria. Should you require any further clarification, please do not hesitate to contact us. Name: Obehi Otiotio Torera David-West Phone: 0810 600 5379 0802 208 2238 Email: Obehi.Otiotio@yoadirect.com Torera.david-west@yoadirect.com

Why us? Our value proposition Our Expertise: Our highly skilled team possess an innate understanding of the many risks and challenges faced by individuals living in Nigeria. Our Experience: Today, we manage schemes with over 10,000 members and growing. We have developed and deployed a robust technology platform, which enables us to effectively manage the lifecycle of each policy. We are privileged to manage the following member schemes: ExxonMobil Companies in Nigeria Nigeria Union of Journalists Tech Mahindra Nigeria Seplat Staff Cooperative Society EMTS Staff Multipurpose Cooperative Society (Etisalat) Our pricing: We offer affordable products and have greater negotiating power due to the number of schemes we manage. Our claims services: We diligently pursue settlement and the collection of any claim under any insurance policy and seek to secure the fullest recovery possible within the terms, conditions and limitations of the insurance policy. A broker, independent of any insurance company, represents the interests of the buyer in searching for insurance coverage at the lowest cost and providing the highest benefit to the buyer.

What are we offering? YOA Proposed Scheme We will continually evaluate and recommend insurance products that will enhance the quality of life for your members and their dependants. For a start, we propose to offer you a personal protection plan. Personal Protection Plan This plan is a form of life insurance that has the following features and benefits: Death and permanent disability cover from accidents 24-hour worldwide coverage Medical expenses covered Claims settlement within 48 hours of receiving full documentation Burial expenses (Optional) Cover Sum Assured YOAD Proposed Premium Proposed YOAD Rate Death 1, 000, 000.00 3, 500.00 3.5% PD Disability 750.00 0.075% Medical Expenses 2, 000, 000.00 1, 700.00 0.85% Total Premium due 5, 950.00 Less 10% Discount 595.00 Total Premium Payable 5, 355.00 Note: This insurance would be underwritten by AIICO Insurance, one of the leading insurance companies in Nigeria with net assets in excess of N9bn.

What are we offering? The scheme The Scheme is designed to be customer-centric and to respond to the needs of the customer. The Scheme will create: Greater negotiating power due to the number of members Broader coverage at highly competitive terms Ability for members to join or leave the Scheme at anytime Option to pay insurance premiums in either one annual payment or to spread premium payments into monthly instalments Access to a dedicated customer helpline for enquiries and to report claims Access to a policyholder website where members will be able to update their personal and risk details as well as view their policy history and print policy documents.