V" Insurance providers receive voluntary independent support in form of consultation and advice from the Association of Kenya Insurers (AKI). V" Insurance companies use agents to reach clients. Agents are insurance company employees who act on behalf of companies, especially to sell life insurance policies. An agent can be captive where they act only for a specific insurer, or they could be independent. 1/ The industry also has brokers, who act on behalf of the insured. They carry out preparatory work to the conclusion of contracts of insurance or re-insurance, and sometimes assist in the administraon and performance of such contracts especially during claims