Jubilee Insurance Uganda honoured its outstanding performers during the Annual Club Membership Awards Dinner held on Friday, 08 May 2026, at Protea Hotel Kampala, in a glamorous evening that brought together top agents, executives, and industry stakeholders.
Among the night’s top honourees were Rosemary Nabatanzi and Nelson Nsubuga, who were named the most outstanding agents for their exceptional performance in sales, client engagement, and persistency.
The backbone of the industry
Jubilee Uganda Acting Chief Executive Officer Eugine Mutekhele praised agents for driving the company’s growth, noting that they remain central to the insurance value chain.
“Agents are extremely important to us as Jubilee and to the entire insurance industry. Without agents, there is no insurance. Last year alone, agents contributed about 56% of retail premiums in the market. That is more than half of the business,” Mutekhele said.
He added that selling insurance requires persistence and trust-building. “Insurance is not an easy product to sell. You meet people who may not fully understand it, and you convince them to commit for five or ten years. That level of dedication is remarkable, and tonight we are here to give you your flowers,” he said.
Mutekhele also acknowledged operational challenges, including persistence and commission concerns. “Out of every 100 policies sold, only about 69 to 70% remain active after 12 months, and about 47% after 24 months. That is worrying. We must improve how we engage clients beyond the point of sale,” he noted.
He further emphasised the importance of digital systems. “J-Force is not just a tracking tool. It gives us market intelligence. But we still have gaps in data capture, and we need full consistency from agents to improve performance visibility,” he said.
On incentives, Mutekhele added, “If you want better incentives, then we must also deliver better results. Whether it is cars, houses, or other rewards, we are open—but performance must match ambition.”
“We are all winners”
Jubilee Insurance Chief Operating Officer Dorcus Kuhimbisa said the awards reflect discipline, passion, and teamwork across the agency network.
She is flanked by work colleagues
“This recognition is not just a testament to your diligence, but also your integrity, passion, and commitment. You are continuously raising the bar not only for yourselves but for the entire industry,” Kuhimbisa said.
She emphasised collective success over individual achievement. “The success we are celebrating tonight is not individual success. We are all winners. Many of you sacrifice time with your families, travel long distances, and spend weeks away from home. Tonight, we celebrate that sacrifice,” she said.
The informal sector is the biggest opportunity
Outstanding agent Nelson Nsubuga, a financial advisor with Jubilee Insurance, said the insurance industry is shifting toward the informal sector, which requires more tailored engagement.
“In the past, insurance focused mainly on the formal sector, but now we are seeing strong growth in the informal sector. The challenge is how to simplify products so that clients can understand and afford them,” Nsubuga said.
He stressed the importance of emotional intelligence in sales. “We are moving away from purely technical approaches toward emotional intelligence. We must connect deeply with clients and understand their real-life challenges before offering solutions,” he added.
Agents must understand their clients’ capacity
Jubilee Life Insurance Chief Agency Officer Linus Batya highlighted the importance of persistency and proper client assessment to reduce policy lapses.
“At Jubilee, agents contribute almost 80% of our premiums, and we are currently number one in the industry by over 22%. That achievement comes from our agents,” Batya said.
He noted concerns over policy retention. “After 12 months, our persistence is around 69 to 70%, and after 24 months, it drops further. That means out of every 100 policies, fewer than half survive two years. That is worrying,” he said.
Batya urged agents to deepen client relationships. “The question is: when do you engage your client? Is it only at sign-up and maturity? We need continuous engagement throughout the policy lifecycle,” he said.
He also highlighted ongoing reforms in incentives and training. “We are revising our incentive structures to reflect performance indicators like GWP, AMP, and persistency. But we also need agents to understand their clients better and sell within their means,” he added.
Insurance must reach every Ugandan
Jubilee Insurance Chief Distribution Officer (Medical Business) John Katende called for deeper penetration of insurance into Uganda’s informal sector and rural communities.
“Our mission is to distribute insurance to Ugandans from all walks of life. We encourage the public—families, institutions, and individuals—to engage Jubilee Insurance wherever they find our agents,” Katende said.
He noted that insurance penetration in Uganda remains low. “Insurance penetration is still below 1% of GDP—about 0.85%. That shows there is still a huge opportunity for growth,” he said.
Katende emphasised the need for awareness and policy integration. “We must simplify insurance language, take it to the grassroots, and embed insurance into government programs like PDM and Emyooga. Awareness is key—without it, people cannot appreciate insurance,” he said.
The event concluded with networking and celebrations, marking another milestone in Jubilee Insurance’s annual recognition of its agency force, which continues to play a leading role in expanding insurance access across Uganda.