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Our Team

"Together we're better."

Knowledge is an Intellectual Capital and to provide the best service, requires knowledge. The better a company exploits this capital, the more efficient it is. We, at AFCO Insurance Broker, believe in the power of boundless energy of people and their ability to create value in an increasingly complex business environment. The workforce is the AFCO Insurance Broker’s most valuable asset. The 'talent pool' at AFCO, comprising of people from a diverse mix of professional backgrounds and good support staff drawn from various functional areas to aid our back office and accounting operations, contributes to make AFCO what it is today!

Atul Oza

The prime promoter of the AFCO Group, Atul Oza brings with him 25 years of experience to the rich history of the AFCO Group. Having completed his M.Com and MBA – Fin, Atul Oza has played a key role of investment consultant to various Co-operative Banks, Provident Funds, Gratuity and Super Annuation Fund Trusts, Charitable Institutions and High Net-worth Individuals. Having started his career as Investment Merchant Banker (CAT-I),

Atul gradually gained expertise in the field of resource mobilization, debt syndication and equity placements. AFCO Insurance Broker has benefited from his immense experience and established business contacts.

Atul is assisted by a team of finance professionals and has been the driving force in the success of AFCO Insurance Broker.


A Veteran in the insurance industry V.V.Pai bring with him 40 strong year of experience in general and life insurance. A genius in the areas of under writing claims, Technical, Marketing administration and HR Departments. V.V.Pai has served the giant names in the insurance industry. The training and Experience coming from V.V.Pai is of immense value to AFCO Insurance Brokers.

V.V.Pai is a qualified M.A., Fellowship(Life Branch), L.L.B., F.I.I.I. He also has a swift course under his belt.