FACTOR AFFECTING SALE OF LIFE INSURANCE POLICIES IN KENYA A CASE OF SELECTED INSURANCE COMPANIES IN NYERI COUNTY

The main objective of the study was to determine the factors affecting the sales of life insurance policies. The study interviewed sales managers, unit managers, and sales representatives of the three leading insurance companies in Nyeri town. This target group was chosen because it would offer vital and immediate information and easier to access. This study was undertaken from June to November 2017.A cross-sectional survey design was adopted in this research. The target population was 120 employees of the three insurance Companies out of which 30% representing 36 respondents was sampled out as a sample size. The study used simple random sampling design because the design allows and gives equal chances to all individuals in a population to be selected. A questionnaire was used as main data collection instrument. To assess the validity of the questionnaires, a pilot study was conducted at Britam, Sanlam and Jubilee Insurance companies where 10 questionnaires was used to test whether they are able to give the required information related to the problem under study. Data collected was analyzed using quantitative and qualitative methods then presented using various statistical tools such as tables, graphs, pie chart and in percentages. This study showed that, through public awareness, disposable income and clients’ attitude affect life insurance sale. As seen from the study, majority of the respondents indicated that the awareness and income of buyers and the attitude of employees in the insurance industry are the greatest effects on the uptake of life insurance. Again, a wellmanaged sales process helps in assuring high sales. For this reason, the study would urge players in the sector to undertake training for their staff in more significant way. At the same time, the companies must fund the sales process adequately if life insurance policy sales are to be increased

Prevalence and correlates of bacterial vaginosis in different sub-populations of women in Sub-Saharan Africa: a cross-sectional study

Background: Clinical development of vaginally applied products aimed at reducing the transmission of HIV and other sexually transmitted infections, has highlighted the need for a better characterisation of the vaginal environment. We set out to characterise the vaginal environment in women in different settings in sub-Saharan Africa. Methods: A longitudinal study was conducted in Kenya, Rwanda and South-Africa. Women were recruited into pre-defined study groups including adult, non-pregnant, HIV-negative women; pregnant women; adolescent girls; HIV-negative women engaging in vaginal practices; female sex workers; and HIV-positive women. Consenting women were interviewed and underwent a pelvic exam. Samples of vaginal fluid and a blood sample were taken and tested for bacterial vaginosis (BV), HIV and other reproductive tract infections (RTIs). This paper presents the cross-sectional analyses of BV Nugent scores and RTI prevalence and correlates at the screening and the enrolment visit. Results: At the screening visit 38% of women had BV defined as a Nugent score of 7-10, and 64% had more than one RTI (N. gonorrhoea, C. trachomatis, T. vaginalis, syphilis) and/or Candida. At screening the likelihood of BV was lower in women using progestin-only contraception and higher in women with more than one RTI. At enrolment, BV scores were significantly associated with the presence of prostate specific antigen (PSA) in the vaginal fluid and with being a self-acknowledged sex worker. Further, sex workers were more likely to have incident BV by Nugent score at enrolment. Conclusions: Our study confirmed some of the correlates of BV that have been previously reported but the most salient finding was the association between BV and the presence of PSA in the vaginal fluid which is suggestive of recent unprotected sexual intercourse

Neonatal mortality in Kenyan hospitals: a multisite, retrospective, cohort study

Background Most of the deaths among neonates in low-income and middle-income countries (LMICs) can be prevented through universal access to basic high-quality health services including essential facility-based inpatient care. However, poor routine data undermines data-informed efforts to monitor and promote improvements in the quality of newborn care across hospitals.Methods Continuously collected routine patients’ data from structured paper record forms for all admissions to newborn units (NBUs) from 16 purposively selected Kenyan public hospitals that are part of a clinical information network were analysed together with data from all paediatric admissions ages 0–13 years from 14 of these hospitals. Data are used to show the proportion of all admissions and deaths in the neonatal age group and examine morbidity and mortality patterns, stratified by birth weight, and their variation across hospitals.Findings During the 354 hospital months study period, 90 222 patients were admitted to the 14 hospitals contributing NBU and general paediatric ward data. 46% of all the admissions were neonates (aged 0–28 days), but they accounted for 66% of the deaths in the age group 0–13 years. 41 657 inborn neonates were admitted in the NBUs across the 16 hospitals during the study period. 4266/41 657 died giving a crude mortality rate of 10.2% (95% CI 9.97% to 10.55%), with 60% of these deaths occurring on the first-day of admission. Intrapartum-related complications was the single most common diagnosis among the neonates with birth weight of 2000 g or more who died. A threefold variation in mortality across hospitals was observed for birth weight categories 1000–1499 g and 1500–1999 g.Interpretation The high proportion of neonatal deaths in hospitals may reflect changing patterns of childhood mortality. Majority of newborns died of preventable causes (>95%). Despite availability of high-impact low-cost interventions, hospitals have high and very variable mortality proportions after stratification by birth weight