ICMIF Board of Directors


  • Rob Wesseling, President and CEO, The Co-operators (Canada)

Vice Chairs:

  • Aris Alip, Founder and Chairman, CARD MRI (The Philippines)
  • Alejandro Simón, CEO, Grupo Sancor Seguros (Argentina)
  • Izak Smit, Group Chief Executive Officer of the Professional Provident Society (PPS), (South Africa)
  • Ylva Wessén, President and CEO of the Folksam Group (Sweden)

Board members

  • Andrew Boris, Executive Vice President & CEO, American Agricultural Insurance Company (USA)
  • Carlo Cimbri, Chairman, Unipol Gruppo (Italy)
  • Luis Cordero, President, Grupo Cooperativo Seguros Múltiples (Puerto Rico)
  • Denis Dubois, Executive Vice-President, Wealth Management and Life and Health Insurance, Desjardins Group, President and Chief Operating Officer Desjardins Financial Security (Canada)
  • Lars Hallkvist, Chair, Länsförsäkringar consortium and Länsförsäkringar Älvsborg (Sweden)
  • Adam Heath, Chief Executive, FMG (New Zealand)
  • Klaus-Jürgen Heitmann, CEO, HUK-Coburg (Germany)
  • Mr. Kim Intae, President & CEO, NongHyup Life Insurance (Republic of Korea)
  • Shuichi Uchikoshi, President, Kokumin Kyosai Co-op (Japan), President, Kokumin Kyosai co-op (Japan)
  • Jan Kamp Justesen, CEO, LB Group (Denmark)
  • P.A. Kiriwandeniya, Chairman, SANASA Insurance Company (Sri Lanka)
  • Christoph Lamby, Member of the Board of Management, R+V Versicherung AG (Germany)
  • Pascal Michard, Chairman, Aema Groupe (France)
  • Patrick Nyaga, Group Chief Executive Officer, CIC (Kenya)
  • Robert Otto, Member of the Executive Board, Achmea (Netherlands)
  • Daysi Rosales, General Manager, Seguros Futuro (El Salvador)
  • Alejandro Sultani, President, El Progreso Seguros S.A. (Argentina)
  • Nick Turner, Group Chief Executive, NFU Mutual (UK)
  • Hilde Vernaillen, Chair of the Management Committee, P&V (Belgium)
  • Andrew Yeo, Chief Executive Officer, Income (Singapore)
  • Fumio Yanai, Chair, AOA and President of the Board of Directors, Zenkyoren (Japan)

Ex Officio members

  • ICMIF Americas Chair
    Georgina Diaz Sanchez, SSVMN, (Costa Rica)
  • Intelligence Committee Chair
    Glenn Croasdale, FMG (New Zealand)
  • Reinsurance Committee Chair
    Greg Lockard, Shelter Re (USA)
  • ICMIF Foundation Chair
    Rob Wesseling, Cooperators (Canada)
  • ICMIF Chief Executive
    Shaun Tarbuck



Chair: Rob Wesseling, President and CEO, The Co-operators (Canada)

Since joining The Co-operators in 1997, Rob has held increasingly senior leadership roles within the group of companies, culminating with his appointment as President and CEO of The Co-operators Group Ltd on December 1, 2016. From 2007 until 2016, he was Chief Operating Officer of The Sovereign General and, in November 2011, assumed the additional role of Executive Vice President, National Property and Casualty (P&C) for all P&C operations across The Co-operators group of companies. Rob has been instrumental in leading flood resiliency efforts in Canada and engaging all levels of government, the academic community and various industries, to develop a complete solution for Canadians. In this capacity, Rob is a founding director and member of Partners for Action Advisory Board and a board member of the Institute for Catastrophic Loss Reduction.

Rob is also a board member of the International Cooperative and Mutual Insurance Federation (ICMIF), where he sits on the Executive Committee, and is a member of the Insurance Development Forum (IDF) Steering Committee. He is also a board member of the Canadian Cooperative Investment Fund and member of Smart Prosperity Leader’s Initiative. Rob holds a B.A. with distinction in Theoretical Mathematics and MSc. of Applied Statistics from the University of Guelph where he graduated in 1996. He obtained a Chartered Insurance Professional designation in 1999. Rob lives with his family in Guelph, Ontario and is an active volunteer in the local community, coaching youth sport and mentoring young athletes.


Immediate Past Chair: Hilde Vernaillen, Chair of the Management Committee, P&V (Belgium)

Hilde Vernaillen has been working in the financial services industry for more than twenty years and is a committed defender of the mutual/cooperative business model in insurance. She is a regular conference speaker on various subjects of insurance, mutual and cooperative business.

Hilde was appointed as CEO of P&V Insurance and VIVIUM in 2011 after twenty years in the P&V Group, first in the bank and later on in the insurance companies.

Since October 2016, she has been Chair of ICMIF and has served on the ICMIF Board since 2011. She was also President of AMICE (Association of Mutual Insurers and Insurance Cooperatives in Europe) between June 2013 and June 2016. She is a member of the Board of Directors of Euresa, a collaborative and networking tool between 13 European mutual and cooperative insurance companies, and President of the Board of Directors of Febecoop which promotes and defends the co-operative model at regional, federal, European and international level.

Furthermore, she is President of the Board and the Executive Committee of the Belgian insurance association (Assuralia), and several other organisations in Belgium and other European countries.


Vice Chair: Izak Smit, Group Chief Executive Officer of the Professional Provident Society (PPS), (South Africa)

Izak Smit has been the Group Chief Executive Officer of the Professional Provident Society (PPS) in South Africa since July 2016. He holds B Com Honors degrees from Stellenbosch University (1991, Actuarial Statistics) and from Pretoria University (2002, Economics) and is a Fellow of the Actuarial Society of South Africa (1996). He completed a Post Graduate Diploma in Strategy and Innovation (University of Oxford, 2013). His career spanned group benefits (Sanlam, 1993 – 1996), wealth management (Citadel, 1996 – 2005), life and general insurance (Absa, 2005 – 2011), bancassurance distribution (Absa, 2011 – 2016), and financial services general management (2016 – ).

In his current role, with the assistance of more than 1,300 colleagues, he is responsible for creating wealth, peace of mind and financial security for more than 150,000 professional clients (members) of PPS, the business that operates under the ethos of mutuality and which focuses exclusively on the professional segment in the market. The business covers the full spectrum of financial services, including sickness cover, life cover, general insurance, medical aid administration, investments, fiduciary solutions, and financial advice. He is married to Liezel and they have 2 boys. He enjoys the outdoors with his family (snow-skiing, mountaineering, surfing) and has completed the SA Ironman event 5 times.


Vice Chair: Ylva Wessén, President and CEO of the Folksam Group (Sweden)

Ylva Wessén has an extensive experience of the insurance market gained during her 12 years in different positions at Folksam. During the last three years she has been Deputy CEO and held the position as the Board’s secretary. Since August 2019, she has been Acting President and CEO of Folksam. Currently, she is Chairman of KPA AB and Folksam Research Foundation. She is also a Member of the Board of Insurance Sweden, We Effect and the Nomination Committee of Swedbank.

Prior to joining Folksam in 2007 as Head of Risk and Compliance and Legal Counsel, she was an attorney at DLA Nordic, the Stockholm office within the DLA Piper group, between 2000 and 2007. She has a Master of Law from Stockholm University and a European Master in Law & Economics from the Universität Hamburg and Universidad Complutense de Madrid.


Vice Chair: Aris Alip, Founder and Chairman, CARD MRI (The Philippines)

Dr. Jaime Aristotle Alip is the Founder of the Center for Agriculture and Rural Development Mutually Reinforcing Institutions (CARD MRI) and the 2008 Ramon Magsaysay Awardee for Public Service. He continues to chair the major institutions of CARD MRI (CARD Bank, CARD SME Bank, CMDI) and sits in all the CARD MRI boards either as a member or as an advisor. He has also been given the title of Chairman Emeritus of CARD NGO. Started in 1986, CARD MRI is now composed of 23 mutually reinforcing institutions serving 6.5 million poor families. Its microinsurance arm, CARD MBA, insures more than 26 million individuals, representing 26% of the country’s entire population. In addition, he brought CARD’s model of poverty eradication to other Southeast Asian countries by establishing a CARD presence in Vietnam, Cambodia, Laos and Indonesia.

Under Dr. Alip’s leadership, CARD MRI was also awarded the Prize for Excellence in Community Economic Development by the Southern New Hampshire University in 2007; People Power People Recognition Award by Former President Corazon C. Aquino in 2005; the Global Excellence for Microfinance by the Grameen Foundation, USA in 2003; and the Flame of Excellence Award by USAID and The Microfinance Coalition for Standards of the Philippines in 2000. Dr Alip has received numerous awards for his work in rural development and poverty eradication, the most recent of which was the prestigious Ramon V del Rosario Leadership Award for Nation Building conferred to him In July 2009.

Dr. Alip is an alumnus of the Harvard Business School, having completed the 3-year Owner/President Management (OPM) Program in 2007 and was given the Excellence Award on Strategy. He obtained his doctorate degree in Organization Development from the Southeast Asia Interdisciplinary Development Institute (SAIDI) in 2002. He received his bachelor and master’s degrees in agricultural economics/marketing from the University of the Philippines in 1978 and 1983 respectively. He also attended the Executive Program in Global Management at the Weatherhead School of Management, Case Western Reserve University (Cleveland, USA) in 1999. Dr Alip is currently an ICMIF Board member and was Chair of the ICMIF Foundation from 2015-2020, a registered charity in England and Wales, established by ICMIF to deliver the ICMIF 5-5-5 Mutual Microinsurance Strategy.


Vice Chair Alejandro Simón, CEO, Grupo Sancor Seguros (Argentina)

Alejandro Simón has an Actuary degree, Cum Laude from Universidad de Buenos Aires and a Professional Master’s degree in Business Administration, Magna Cum Laude from IAE Universidad Austral. Since 1998, he has been working for Grupo Sancor Seguros, currently holding the position of CEO. He is President of ADIRA (Aseguradoras del Interior de la República Argentina), President of FISO (Latin American Foundation of Security and Occupational Health) and member of the Geneva Association Board of Directors. He also presides over CITES (Centre for Technological, Business and Social Innovation), the main private incubator of startups in LATAM following the model “one stop-shop tech incubator”. Before joining Sancor Seguros Group, he worked in the fields of risk rating and social security.

Since 2009, he has been Deputy Director of the Actuary department at Universidad of Buenos Aires (UBA). Likewise, in 2010 he became a member of the Academic Committee for the Master’s Degree in Economic and Financial Risk Management for the School of Economic Sciences Graduate Studies Division (UBA). A speaker at numerous national and international events, he co-chaired the G-20 Insurance Forum in Bariloche, Argentina in September 2018.


Andrew Boris, Executive Vice President & CEO, American Agricultural Insurance Company (USA)

Andrew began his career as an insurance agent and went on to practice law in Chicago, Illinois, focusing on a broad range of complex insurance and reinsurance issues on a national and international basis. He joined AmericanAg™ in 2014 as General Counsel and Secretary and assumed his current role in 2022.

Andrew is a regular speaker on insurance coverage and reinsurance topics at national conferences. He has authored hundreds of articles, with pieces appearing in National Underwriter, Global Reinsurance, Insurance Journal, Journal of Reinsurance, Journal of Insurance, and RISE (CPCU Reinsurance Committee newsletter), along with a chapter in the book Insurance Law (published by the Illinois Institute of Continuing Legal Education). He has also served as an adjunct professor at DePaul University College of Law, teaching classes in advanced legal writing and pre-trial litigation skills.

Andrew earned a Bachelor of Arts degree in political science from Boston College. He also graduated with honors from the DePaul University College of Law, where he was a member of the Law Review and Order of the Coif. He holds the Associate in Insurance Data Analytics (AIDA), Associate in Risk Management (ARM), Associate in General Insurance (AINS), and Associate in Insurance Services (AIS) designations.


Carlo Cimbri, Chairman, Unipol Gruppo (Italy)

Born in Cagliari in 1965, and with a degree with honours in Business Administration from the University of Bologna, Carlo Cimbri has over 30 years of experience in the banking and insurance sectors. He joined Unipol in 1990 and, over the years, held positions of growing responsibility until he became one of the General Managers of the Unipol Group in 2005. He became the sole General Manager in 2007 and Chief Executive Officer in 2010, an office he held until April 2022, when he was appointed Chairman.

Under his leadership, Unipol has become the leader in Italy in non-life business with 12,000 employees; EUR 13.3bn in insurance income in 2021; with approximately 16 million customers; and the leader in Europe for the number of installed black boxes in cars, thereby becoming one of the major players in the insurance industry at a European level.

Currently, Mr Cimbri also holds the office of Board Member of RCS Media Group and Euresa Geie, and is a member of the Board of Governors of Fondazione Censis (Centro Studi Investimenti Sociali, research centre for social investments).

In 2016, he was awarded the prestigious “Guido Carli Award” for Italian excellence in the world of economics, high finance, culture, and social engagement and has since been a Full Professor of Insurance Management in the Master’s degree course at the LUISS Guido Carli University in Rome.

Since May 2018, Carlo Cimbri has been President of the European Institute of Oncology, which also includes the Monzino Cardiology Centre, the Italian centre of excellence in oncology and cardiology.


Luis Cordero, President, Grupo Cooperativo Seguros Múltiples (Puerto Rico)

The son of a family of working parents, Luis M. Cordero Rivera was raised and grew up in Morovis, Puerto Rico. Cordero, who is married and father to four children, began his career at Cooperativa de Seguros Múltiples 42 years ago as a salesman. He has worked in various areas of the business, each time climbing up the company’s corporate structure. Among the positions he has held are that of sales supervisor, branch manager, assistant to the president of Sales, and Vice president of Sales and Marketing. His last position before his appointment as president was as vice president of Communications, Marketing and Sales for Grupo Cooperativo Seguros Múltiples (GCSM).

Throughout his career he has received multiple awards in the sales area. In addition to his lauded and respected track record in the Cooperative – which has made him a connoisseur of the insurance industry – he is a well-known and revered figure within the cooperative movement. He is also Chairman of the Boards of Directors of Green Insurance Agency, Telesolutions and Number One Auto Parts, companies of Grupo Seguros Múltiples.

In his new role as president of GCSM and the Cooperativa de Seguros Múltiples, Cordero will serve on the Joint Underwriting Association (ASC, its Spanish acronym) as director, and on the Board of Directors of the International Cooperative and Mutual Insurance Federation (ICMIF), Americas chapter


Denis Dubois, Executive Vice-President, Wealth Management and Life and Health Insurance, Desjardins Group
President and Chief Operating Officer Desjardins Financial Security (Canada)

Denis Dubois is the Executive Vice-President of Wealth Management and Life and Health Insurance. He started his career at Desjardins in 2003 in the Property and Casualty Insurance sector. He served in several senior management roles over the years. In 2016, he was appointed President and COO of Desjardins General Insurance Group and became a member of the Desjardins Group Management Committee. Denis was appointed to his current position in 2019. He is responsible for the activities of Desjardins Investments, Desjardins Global Asset Management and Desjardins Financial Security.

He is also President and COO of Desjardins Financial Security. As executive vice-president, Denis spearheads the work of over 5,000 employees across Canada who develop products and services geared to the specialized savings and life and health insurance needs of our members and clients. These employees also support the integrated distribution of these products in the caisse network and complementary networks. Denis is strongly focused on the Canadian market and the integrated distribution of financial products. He demonstrated exemplary leadership when Desjardins Group acquired State Farm’s Canadian operations in 2015. That transaction remains the largest and most complex in Desjardins history. Denis contributes to the development of the insurance industry by sitting on several boards, including the Centre de développement en assurances et services financiers (centre for insurance and financial services development), the International Cooperative and Mutual Insurance Federation (ICMIF) and Aviso Wealth Inc.

He is also involved in supporting the community through charitable causes, including fundraising campaigns for the Red Cross and United Way. A graduate of Laval University with a degree in actuarial science, Denis successfully completed the examinations and other requirements to qualify as a Fellow of the Canadian Institute of Actuaries and a Fellow of the Casualty Actuarial Society.

Lars Hallquist

Lars Hallkvist, Chair, Länsförsäkringar consortium and Länsförsäkringar Älvsborg (Sweden)

Lars is Chair of the Länsförsäkringar owner consortium in Sweden. He is also Chair of the board of  Länsförsäkringar Älvsborg. Lars is a solicitor, specialising in business law. He lives in Borås, a mid-size town in the south west area of Sweden, close to Gothenburg.

Lars has two grown up sons and he enjoys spending his free time hunting in the forest and playing golf in summer time.

Adam Heath - new CEO FMG - Dec 2021

Adam Heath, Chief Executive, FMG (New Zealand)

Adam joined FMG as Chief Executive in December 2021 and cites a real connection to and empathy for FMG’s values, the Mutual model and New Zealand’s rural sector as key motivations for joining the Mutual.  In his previous role he was the Executive General Manager, Insurance Solutions with Suncorp New Zealand.

Adam has a strong background in financial services with over 28 years spent working with and for some of New Zealand’s leading general insurance, life insurance and banking brands.  He has also spent time working in academia and telecommunications.

Adam holds a Bachelor of Commerce and Master of Commerce (1st Class honours) from the University of Auckland majoring in Marketing and International Business.

Adam describes FMG as an iconic New Zealand and rural brand with a long and proud history of helping to build strong and prosperous rural communities.  He is enthusiastic about FMG’s ambitious growth strategy and desire to continue supporting clients and members in an increasingly digitalised world.


Klaus-Jürgen Heitmann, CEO, HUK-Coburg (Germany)

Klaus-Jürgen Heitmann has been Chairman of the Board of HUK-COBURG Insurance Group since 2017. With more than 11 million insured vehicles, HUK-COBURG is Germany’s largest motor insurer.

After his training as an insurance clerk, followed by his studies in Industrial Engineering and Management specialising in Insurance Economics, Klaus-Jürgen Heitmann launched his career at a management consulting firm in 1996. In 2003, he started working at HUK-COBURG Insurance Group and was appointed a member of the Board of Directors in the following year.

Klaus-Jürgen Heitmann is involved in association work both on a national and on an international level. Apart from his membership in the ICMIF board, he is a board member of AMICE (Association of Mutual Insurers and Insurance Cooperatives in Europe). On a national level, Klaus-Jürgen Heitmann is a board member of ARGE, the national association of mutual insurance companies, and a member of several panels of the German Insurance Association GDV e. V.


Shuichi Uchikoshi, President, Kokumin Kyosai Co-op (Japan)

Mr Shuichi Uchikoshi is President and Chairman of the Board of Directors of Kokumin Kyosai Co-op (National Federation of Workers and Consumers Kyosai Cooperatives, formerly known as Zenrosai until 1 June 2019). Based on the cooperative principle, Kokumin Kyosai Co-op provides mutual aid services using insurance system called “Kyosai” in Japanese for its members. It was established in 1957 and has mainly been run by trade union members as a part of the workers’ welfare movement: however, its service expands to non-unionized workers and consumers in the community today.

Mr Uchikoshi joined Hitachi, Ltd., one of the leading electronics companies in Japan. Soon he also started to serve in the trade union and held senior positions in its group unions throughout his career. He joined Kokumin Kyosai Co-op as Head Director of Ibaraki prefectural office in 2013, and then became Head Director of Eastern Regional Office in 2021. In August 2023, he was elected as President of the federation by the General Assembly.


Mr. Kim Intae, President & CEO, NongHyup Life Insurance (Republic of Korea)


Jan Kamp Justesen, CEO, LB Group (Denmark)

Jan Kamp Justesen is the CEO of LB Forsikring A/S and has been part of the organization since 2007. Prior to his current position Jan was CVO (Chief Value Officer) and CFO (2014-2022). Before these roles Jan held the position as manager of Claims and Reinsurance (2007 – 2010) and the Chief Risk Officer (2010-2014). Before joining LB Forsikring Jan was Execute Director at Willis Towers Watson within Reinsurance broking in the Nordic region. Jan is on the board of Nærsikring (workers’ compensation) and Insurance & Pension Denmark. He holds a MSc in economics from Aarhus University and an Associateship of the Chartered Insurance Institute in London.


P.A. Kiriwandeniya, Chairman, SANASA Insurance Company (Sri Lanka)

Dr Kiri (as he is affectionately known) is a visionary who started SANASA from depleted thrift and credit societies and grew it to become a gigantic people’s movement with entities that compete with the giants of the private sector in Sri Lanka. His efforts have made SANASA a brand name which is considered a landmark in the local business world, and as a successful cooperative enterprise among the world’s cooperative bodies. Dr Kiri is a man whose commitment to the cooperative movement is legendary within Sri Lanka.

He began his professional career as a teacher after having obtained a Social Science Degree from Vidyodaya University and later PhD degree from Ruhuna University, he subsequently worked as the Director of Education at Sarvodaya Movement and Deputy Director of the National Heritage Programme. He is a renowned professional and holds several key positions including the Chairman of Asian Confederation of Credit Unions (ACCU); Vice Chairman of the ICMIF Asia and Oceania Association (AOA); Director, People’s Bank, Regional Development Bank (Sri Lanka); President, National Institute of Cooperative Management and National Cooperative Council of Sri Lanka; and also Chairman of the Sanasa Development Bank & People’s Bank (Sri Lanka). He is also a Council Member of the University of Sri Jayawardenapura (Sri Lanka).

He facilitates a connection between the people of Sri Lanka and the international cooperative movement. He is a perceptive observer of trends in international development circles and is able to comprehend when those trends can be honestly accommodated within the longstanding objectives of the SANASA movement. Over the years, he has earned an unsullied reputation as a spokesperson for the full range of Sri Lankan society.

Dr Kiri has been continuously engaged in community development over the last five decades. He is keen to facilitate people’s innovations, participatory research and the mobilisation of manpower by providing charity and welfare donations to help people further their own development.


Christoph Lamby, Member of the Board of Management, R+V Versicherung AG (Germany)

Dr. Christoph Lamby began his professional career at Gerling, Cologne, in 1989. From 1997 to 2000 he worked for Gerling Global Re in New York. After joining R+V Re in 2002 he became a Member of the Board of Management of R+V Versicherung AG in 2004, with responsibility for the Reinsurance Business Unit.

Dr. Lamby received his PhD at the Faculty of Economics of the University of Cologne in 1993.


Pascal Michard, Chairman, Aema Groupe (France)

Pascal Michard is the Chairman and member of the Board of Directors of Aema Groupe, France’s 5th largest insurance company since its creation in January 2021. Born from the combination of Macif, Aesio and Abeille Assurances (former Aviva France), Aema Groupe has 11 million customers and 18,000 employees. Pascal Michard joined Macif’s Board of Directors in 2011, and became Vice-President in charge of finance & savings in 2014. He was elected as Macif’s Chairman in May 2019. He is also a member of the management board of Euresa, a network of 15 mutual and cooperative insurance companies. He holds a PhD in Medicine (MD) from Paris VII University. He began his career as an ophthalmologist and surgeon. He is married and has four children.


Patrick Nyaga, Group Chief Executive Officer, CIC (Kenya)

Mr. Patrick Nyaga, aged 52 is the Group Chief Executive Officer. He holds a master of Business Administration from Strathmore Business School and a Bachelor of Commerce Degree in Accounting. He is a Certified Public Accountant (K) and a member of ICPAK. Mr. Nyaga has over 29 years working experience mainly banking and auditing. He has worked in various senior positions in banking.

Prior to joining CIC Group Ltd he was the Group Finance and Strategy Director-at Cooperative Bank of Kenya Limited. He previously worked at Barclays Banknow (ABSA) as the Regional Head of Assurance and at KPMG (EA), with the main focus being audit of financial institutions in Kenya and the region.He is a member of the Institute of Directors of Kenya and has undertaken training in several Corporate Governance courses including in Insurance Business.


Robert Otto, Member of the Executive Board, Achmea (Netherlands)

Robert Otto joined the Executive Board of Achmea in August 2015. Mr Otto completed his law degree at Leiden University. After his study, Mr Otto began his career at ING in 1992. At ING Mr Otto had an international career including country board roles in Asia and Eastern Europe. In his last position at the bancassurance group, he was responsible for ING Insurance and Postbank Insurance. After a two-year period as CEO of OHRA, Robert Otto became general director of Delta Lloyd’s commercial division in 2010. In mid-2013, Mr Otto joined Achmea as Chairman of the Non-Life & Income Protection division.

His core responsibilities within the Executive Board until 1 September 2019 include the Centraal Beheer, Interpolis and Non-Life & Income Protection divisions, division International and Market Strategy and Corporate Relations. Starting from September 2019, Mr Otto will be responsible for Pension & Life, Achmea Bank, HR, InShared and Achmea’s companies in Australia, Canada, Greece, Turkey and Slovakia. In addition to his role at Achmea, Robert Otto is, among others, a member of the Board at Thuiswinkel.org, member of the Board at AMICE, Chairman of board of Non-Life Insurance at the Dutch Association of Insurers and Chairman of the Supervisory Boards of Hagelunie and InShared.


Daysi Rosales, General Manager, Seguros Futuro (El Salvador)

Daysi has 25 years of experience and contribution to the cooperative sector in El Salvador, through the different positions in the FEDECACES Corporation – the Federation of Credit Unions of El Salvador, which is comprised of a group of credit unions. She has a Degree in Public Accounting from the University of El Salvador. From 1990 to 1996 she was a Technical Advisor, contributing to the development of the first FEDECACES technical support department. In 1997, she became Head of Administration and Human Resources, and External Audit, responsible for FEDECACES human talent and administrative policies, and the External Audit Department for credit unions.

In 2001 she was appointed Manager of Seguros Futuro, the first insurance cooperative in El Salvador, and then was Manager of FEDECACES from 2003 to 2006. Since 2007, she has served as General Manager of Seguros Futuro. She is also a speaker at various national and international events related to topics on cooperatives, financial matters, insurance and microinsurance, quality systems, reinsurance and others.


Alejandro Sultani, President, El Progreso Seguros S.A. (Argentina)

Since 1993, Alejandro has been linked to the insurance activity, having occupied several managerial and director positions of insurance companies, initially in the area of claims and legal and then assuming the General Manager function of an Insurance Company up to the present day.

He is currently President of El Progreso Seguros S.A., La Territorial Vida y Salud Compañía de Seguros S.A. and San Patricio Seguros S.A. He is also a member of the Board of Directors of El Progreso Agrícola de Pigüé, Cooperativa Limitada de Vivienda, Crédito y Otros Servicios, Primera Cooperativa Argentina, founded on October 1, 1898, a solidarity entity that preceded the current insurance company until 2001. He frequently collaborates in the writing of articles and commentaries related to the insurance market, in the different media of the sector.

Alejandro has participated in numerous Conferences, Seminars, National and International Congresses related to Insurance Law and the Insurance market in general. He is a graduate of the School of Law and Social Sciences (University Buenos Aires) and in addition to his directorship with the AACMS he is also a member of various insurance associations. Alejandro is married with two children.


Nick Turner, Group Chief Executive, NFU Mutual (UK)

Nick was appointed Group Chief Executive of NFU Mutual in April 2021 after eight years on the board as Sales & Agency Director, and is responsible for managing the business of the UK’s leading rural insurer.  

Nick first joined the NFU Mutual board in 2013 and for eight years, managed the Group’s Agency network across the UK, as well as Distribution and Sales for General Insurance and Financial Services . 

Nick has a long association with the Chartered Insurance Institute and was President in 2019/20. 

In 2016/17, he was President of the CII’s Personal Finance Society, the professional body for financial advisers across the UK. Prior to becoming president, Nick was member Director for five years bringing both strategic and practical expertise to the Personal Finance Society board.    

Before joining NFU Mutual, Nick spent 27 years at AXA in a wide variety of roles in Sales and Business Development as well as Marketing and Strategy across Life, General Insurance and Global Partnerships. 

Nick enjoys playing guitar, drawing graphic novels and rural walking with his partner Dee, and their bearded collie, Habibi.  


Andrew Yeo, Chief Executive Officer, Income (Singapore)

Andrew is the Chief Executive Officer (CEO) of NTUC Income (Income), the only insurance co-operative in Singapore established in 1970 to make essential insurance accessible to workers in Singapore. Today, Income serves more than two million policyholders and is Singapore’s leading multi-channel composite insurer. The co-operative’s agility to cope with disruptive innovations was given due recognition when Income topped an inaugural insurance innovation and digital benchmark in 2018 by the Applied Innovation Institute, which ranked the innovation and digitalisation efforts of 25 insurers in Singapore.

As a thriving social enterprise, Income is committed to keeping insurance accessible and sustainable for everyone, bringing value and making a positive impact to the lives of the people it serves. Prior to his appointment as CEO on 1 June 2019, Andrew was the General Manager of Life & Health Insurance at Income.

Under his stewardship, the life and health business enjoyed renewed vigour and expanded its distribution reach to offer greater customer accessibility via organic and digitalisation initiatives, enabling Income to better cater to the evolving demands of customers in the digital age at different stages of their lives. Andrew’s successful career in the insurance industry extends regionally and spans over more than 20 years, during which he held key leadership roles in different companies and countries. His business experience cuts across diverse disciplines which range from distribution and business development to operations and information technology. Andrew holds a Bachelor of Engineering (First Class Honours) from the University of Glasgow. He is currently a member of the Management Committees of the Life Insurance Association Singapore and the General Insurance Association of Singapore and council member of IBF.

Andrew is married with two young children.


Fumio Yanai, Chair, AOA and President of the Board of Directors, Zenkyoren (Japan)

Mr. Fumio Yanai has been President of Zenkyoren since July 2017. Zenkyoren (National Mutual Insurance Federation of Agricultural Cooperatives) has a business scale of JPY 57.7 trillion (USD 514.8 billion) in total assets and JPY 5.9 trillion (USD 53.1 billion) in premium and other insurance income.

Mr. Yanai joined Zenkyoren in April 1979. Since then he has held a number of various position at the organisation, including responsibility for the project of integrating Zenkyoren’s 47 prefectural federations with the national federation. Previously, he was General Manager of the Accounting Department, Corporate Administration Department and Human Resources Department. After a period as Senior Managing Director in charge of Corporate Administration,

Mr. Yanai was appointed President and is now leading Zenkyoren’s efforts to promote more community-rooted businesses and efficient operations in order to achieve Zenkyoren’s mission to provide a wide range of security to its members/policyholders and support further development of local communities. At ICMIF, he serves as Chair of the Asia and Oceania Association (AOA), Member of the Executive Committee and Member of the Board of Directors.

He believes in “having courage to change what should be changed, but also having strength to preserve what cannot be changed”, to fulfil cooperative responsibilities in these changing business environments. Mr. Yanai lives with his wife, and has an adult son. He likes to ride a road bike.

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