UAP Old Mutual Health Insurance: Complete Agent Guide
UAP Old Mutual is a powerhouse in Kenyan financial services — combining insurance, banking, and asset management under one group.
For health insurance, they leverage this breadth to offer integrated solutions that few competitors can match.
Here's your guide to selling UAP Old Mutual health insurance.
Table of Contents
- UAP Old Mutual Overview
- UAP Old Mutual Health Products
- Integration Advantage
- Commission Structure
- When to Sell UAP Old Mutual
- The Bottom Line
- Next Steps
UAP Old Mutual Overview
UAP Old Mutual Group resulted from the merger of UAP Holdings and Old Mutual Kenya. They're now one of Kenya's largest financial services groups.
Key strengths:
- Integrated financial services (insurance + banking + investments)
- Strong corporate presence
- Multiple distribution channels
- Financial stability
Where they compete:
- Corporate health schemes
- Integrated employee benefits
- High-net-worth clients
UAP Old Mutual Health Products
| Product | Target | Key Feature |
|---|---|---|
| Individual Medical | Individuals/Families | Comprehensive coverage |
| Corporate Medical | Groups 10+ | Flexible employer schemes |
| Executive Health | C-suite | Premium comprehensive |
| Afya Bora | Value segment | Affordable entry |
Premium Tiers
| Plan | Inpatient | Outpatient | Maternity | Premium (Individual) |
|---|---|---|---|---|
| Essential | KES 750,000 | KES 40,000 | KES 60,000 | ~KES 35,000 |
| Classic | KES 1,500,000 | KES 75,000 | KES 100,000 | ~KES 55,000 |
| Premier | KES 3,000,000 | KES 120,000 | KES 180,000 | ~KES 100,000 |
| Executive | KES 5,000,000+ | KES 200,000 | KES 250,000 | ~KES 180,000 |
Integration Advantage
UAP Old Mutual's strength is integration:
| Service | Benefit |
|---|---|
| Health insurance | Medical coverage |
| Life insurance | Death and disability protection |
| Pension | Retirement savings |
| Investment | Wealth building |
| Banking | Cash management |
For corporates: One provider for all employee benefits — simpler administration, potentially better pricing.
Commission Structure
| Product | First Year | Renewal |
|---|---|---|
| Individual medical | 18–22% | 12–15% |
| Corporate health | 12–16% | 8–12% |
| Integrated packages | Higher potential | Cross-sell benefits |
When to Sell UAP Old Mutual
Ideal clients:
- Corporates wanting integrated benefits
- Existing UAP Old Mutual customers
- Clients valuing financial stability
- Those seeking bundled services
The Bottom Line
UAP Old Mutual health insurance fits within their broader financial services offering. Position it for clients who value integration, stability, and comprehensive solutions.
Next Steps
- Get appointed with UAP Old Mutual
- Learn the integration pitch
- Identify existing customers for expansion
- Read: Cross-Selling Insurance Products
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