CEO, AAR Insurance
Kenya
Mr Justine Kosgei
Justine Kosgei is the Group Chief Executive Officer of AAR Insurance, overseeing the company’s strategy, transformation agenda, and operations across Kenya and the wider East African region. He brings over a decade of senior leadership experience in insurance and financial services, with a career spanning Kenya, Rwanda, and South Africa. Before joining AAR Insurance, Justine held strategic roles in operations, actuarial services, strategy, and regional leadership at APA Insurance, UAP/Old Mutual, and CIC Insurance. His
depth of experience and strong industry insight have positioned him as a forward-thinking leader within the sector. Since taking the helm at AAR Insurance, Justine has accelerated transformation across the business, delivering bold structural shifts and market-shaping growth.
He spearheaded the licensing of AAR Uganda as a full General Insurer and steered AAR Kenya’s evolution into a comprehensive general insurance provider, positioning the Group for regional competitiveness and long-term sustainability. A strong advocate for digital-first service delivery, he has revitalised innovation across the business, strengthening platforms such as MTIBA and forging high-impact global partnerships, including the strategic alliance with Cigna. These moves have significantly enhanced customer access, improved service efficiency, and elevated the overall client experience across markets. Justine is an alumnus of the Harvard Kennedy School and Aga Khan University, holds a Bachelor of Commerce in Actuarial Science, and is currently pursuing both an MBA and an MSc in Finance. He has been recognised as a rising thought leader in the insurance industry and continues to champion customer-centricity, digital transformation, and operational excellence across the region.
Justine’s leadership excellence has earned industry-wide recognition, including Business Daily’s Top 40 Under 40, CEO of the Year 2025, and TASK’s prestigious “1 in 1,000” honour — affirming his impact as one of the region’s most influential and forward-thinking insurance leaders.