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1. Drink a glass of water when you wake up

Drinking water first thing in the morning is important to your body. It is a good way to hydrate and flush out toxins from your body after a night fast. Importantly, your body needs more water than you realise. So, you need to give your body enough of it!

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2. Don’t sit for too long

Sitting is good as long as you don’t sit for too long because it can make you tired, increases your insulin levels and may also slow down your metabolism. If you like to watch television, or sit in front of a computer all day, try not to sit there for hours while doing so. Try to stand and move around from time to time.

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3. Take a walk

Even in small spaces, walking around or walking on the spot, can help you remain active. If you have a call, stand or walk around your home while you speak, instead of sitting down. If you decide to go outside to walk or exercise, be sure to maintain at least a 1-meter distance from other people.

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4. Do some stretching everyday

Stretching is one of the most underrated exercises that improves the mood. It releases muscle tension, prevents muscle cramps, improves blood flow and also keeps your digestion working well. Even if it’s just for a couple of minutes, stretch a little in the morning and a little more at night before bed, will make you feel better and healthier. It is wise to have some life protection policies as you engage in your daily physical activities. You can check some out here .

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5. Get Enough Sleep

Adequate sleep is just as important as food. It’s the time of the day when your body resets itself, detoxifies and allows you to conquer the next day ahead. If you deprive yourself of sleep, it may lead to depression, weight gain, stress and even food cravings. As much as you can, don’t judge yourself by how much sleep you need, instead, get enough until you wake up without the need for an alarm clock.

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6. Eat Your B vitamins

Daily vitamins are a must for anyone, especially your B vitamins. It reduces stress in the brain, promotes energy, and enhances focus. If you eat a plant-based diet, you can easily get enough of your B vitamins. Some of the best sources of B vitamins include: nuts, seeds, leafy greens, avocados, root vegetables, coconut, bananas, pumpkin, berries, legumes, and whole grains.

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7. Take vitamin D3 if you don’t get much sun exposure

Sunlight is a great source of vitamin D. Since there is limited or no movement this period, it means most people don’t get enough sun exposure. If you’re unable to get adequate sun exposure, vitamin D supplements are a good alternative. Their benefits include improved bone health, increased strength, reduced symptoms of depression, and a lower risk of cancer. Vitamin D may also help you live longer. You can check here for a protection plan that lasts a lifetime.

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8. Get up every hour and get out at least once a day

It can be easy to get stuck in your seat, especially since you feel comfortable in your space. Set a timer or use an app to remind you to get up and stretch once every hour, and make sure to get outside, even just to walk around the block and get some sunshine and fresh air.

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9. Set a comfortable work schedule and stick to it

It can be tempting to wake up late and work at odd hours, but you will benefit your mental health and the quality of your work by setting a schedule as if you were going into the office. Then: Stick to those hours. Remember to keep your workplace comfortable by having the right work furniture and keeping other distracting gadgets like TV and computer games away. You may consider getting a home protection cover for your home, especially during this period when you are actively in your home.

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10. Maintain a healthy work-life balance

Keep track of your work hours and be accountable. Don’t let work spill into your personal time, or vice versa. Avoid working on weekends if you can, and keep an eye on how much time you’re spending on work every day while at home.

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11. Stock your kitchen with healthy snacks and meals only.

Keep temptation away by buying healthy foods and keeping the candy and junk food out of sight. Fresh and healthy foods are commonly known to be costly if you live in the cities, but you can commit a portion of your earnings monthly to living a healthy life. Learn how here.

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12. Don’t drink sugar calories

Sugary drinks are among the most fattening items you can consume. This is because your brain doesn’t measure calories from liquid sugar the same way it does for solid food. Therefore, when you drink soda, you end up eating more total calories. Sugary drinks are strongly associated with obesity, type 2 diabetes, heart disease, and many other health problems. Keep in mind that certain fruit juices may be almost as bad as soda in this regard, as they sometimes contain just as much sugar.

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13. Drink coffee

Coffee is very healthy. It’s high in antioxidants, and studies have linked coffee intake to longevity and a reduced risk of type 2 diabetes, Parkinson’s and Alzheimer’s diseases, and numerous other illnesses. Recall that your health is your wealth and deserves all the protection it can get. Check here for some protection policies.

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14. Avoid bright lights before sleep

When you’re exposed to bright lights in the evening, it may disrupt your production of the sleep hormone melatonin. One strategy is to use a pair of amber-tinted glasses that block blue light from entering your eyes in the evening. This allows melatonin to be produced as if it were completely dark, helping you sleep better.

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15. Eat vegetables and fruits

Vegetables and fruits are loaded with prebiotic fiber, vitamins, minerals, and many antioxidants, some of which have potent biological effects. Studies show that people who eat the most vegetables and fruits live longer and have a lower risk of heart disease, type 2 diabetes, obesity, and other illnesses.

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16. Don’t smoke or do drugs, and only drink in moderation.

If you smoke or abuse drugs, tackle those problems first. Diet and exercise can wait. If you drink alcohol, do so in moderation and consider avoiding it completely if you tend to drink too much. You can motivate yourself to cut down on these unhealthy habits by keeping aside every money saved for each time you do not purchase them. Learn how here

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18. Don’t go on a diet

Diets are notoriously ineffective and rarely work well in the long term. In fact, dieting is one of the strongest predictors for future weight gain. Instead of going on a diet, try adopting a healthier lifestyle. Focus on nourishing your body instead of depriving it. Weight loss should follow as you transition to whole, nutritious foods.

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19. Eat eggs, yolk and all

Whole eggs are so nutritious that they’re often termed “nature’s multivitamin.” It’s a myth that eggs are bad for you because of their cholesterol content. Studies show that they have no effect on blood cholesterol in the majority of people. Eggs are one of the planet’s most nutritious foods. Notably, the yolk contains almost all of the healthy compounds.

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20. Strengthen your muscle

Lifting weights is one of the best things you can do to strengthen your muscles and improve your body composition. It also leads to massive improvements in metabolic health, including improved insulin sensitivity The best approach is to lift weights, but doing bodyweight exercises can be just as effective. But be sure to give yourself sufficient protection while engaging in risky activities.

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21. Schedule workouts

When you create your schedule, use the flexibility to your advantage. Schedule your workouts in the same way as you do meetings -- but pencil them in before you begin working, during lunch or after hours.

Below are 9 simple but effective workouts you can do at home without the need for any equipment:


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Adeyinka Adekoya - Managing Director/Chief Executive Officer

Mrs. Adekoya started her professional career with Lambert Willis & Associate (Insurance Brokers). She spent 23 years at Law Union and Rock where she rose through the ranks gathering experience in the technical department. Prior to joining Wapic, Mrs. Adekoya was the Head Institutional Business Development Division at Cornerstone Insurance. She was appointed Managing Director of Wapic Insurance Plc on November 1, 2015. Mrs. Adekoya has a Bachelor of Science and Masters of Business Administration both from the University of Lagos. She is a Fellow of the Chartered Insurance Institute of Nigeria and an Associate of the Chartered Insurance Institute, London.

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Peter Ehimhen - Executive Director

Mr. Peter Ehimhen joined Wapic Insurance Plc on September 2012 and until this appointment as Executive Director Technical, he was the Chief Risk Officer of the Company. He has a Bachelor of Science (B.Sc.) in Insurance from Enugu State University of Science and Technology, and a Master’s in Business Administration (MBA) from the University of Nigeria, Nsukka. Mr. Ehimhen also has a Masters’ of Science (M.Sc.) in Risk Management, from the Glasgow Caledonian University, UK, and has over 24 years’ post-qualification experience, of which over 12 years has been in the insurance industry. Mr. Peter Ehimhen is an Associate of the Chartered Insurance Institute of Nigeria and a Member of the Institute of Risk Management. His appointment was approved by NAICOM on December 5, 2017.

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Adewale Koko - Managing Director, Coronation Life Assurance Ltd

Adewale Koko holds a Higher National Diploma (HND) in Insurance, a Post Graduate Diploma in Management from the University of Calabar and a Master’s in Business Administration degree from the University of Calabar. He has many years of experience in insurance underwriting and is an Associate of the Chartered Insurance Institute of Nigeria. He has attended several courses and seminars both locally and internationally. Prior to his appointment with Wapic, Adewale was the Group Head, Oil and Gas with Standard Alliance Insurance where he managed several International Oil Companies (IOCs) and marginal field players in Nigeria.

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Adeyinka Adekoya - Managing Director/Chief Executive Officer

Mrs. Adekoya started her professional career with Lambert Willis & Associate (Insurance Brokers). She spent 23 years at Law Union and Rock where she rose through the ranks gathering experience in the technical department. Prior to joining Wapic, Mrs. Adekoya was the Head Institutional Business Development Division at Cornerstone Insurance. She was appointed Managing Director of Wapic Insurance Plc on November 1, 2015. Mrs. Adekoya has a Bachelor of Science and Masters of Business Administration both from the University of Lagos. She is a Fellow of the Chartered Insurance Institute of Nigeria and an Associate of the Chartered Insurance Institute, London.

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Peter Ehimhen - Executive Director

Mr. Peter Ehimhen joined Wapic Insurance Plc on September 2012 and until this appointment as Executive Director Technical, he was the Chief Risk Officer of the Company. He has a Bachelor of Science (B.Sc.) in Insurance from Enugu State University of Science and Technology, and a Master’s in Business Administration (MBA) from the University of Nigeria, Nsukka. Mr. Ehimhen also has a Masters’ of Science (M.Sc.) in Risk Management, from the Glasgow Caledonian University, UK, and has over 24 years’ post-qualification experience, of which over 12 years has been in the insurance industry. Mr. Peter Ehimhen is an Associate of the Chartered Insurance Institute of Nigeria and a Member of the Institute of Risk Management. His appointment was approved by NAICOM on December 5, 2017.

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Adewale Koko - Managing Director, Coronation Life Assurance Ltd

Adewale Koko holds a Higher National Diploma (HND) in Insurance, a Post Graduate Diploma in Management from the University of Calabar and a Master’s in Business Administration degree from the University of Calabar. He has many years of experience in insurance underwriting and is an Associate of the Chartered Insurance Institute of Nigeria. He has attended several courses and seminars both locally and internationally. Prior to his appointment with Wapic, Adewale was the Group Head, Oil and Gas with Standard Alliance Insurance where he managed several International Oil Companies (IOCs) and marginal field players in Nigeria.

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Adedayo Arowojolu - Managing Director, Wapic Insurance (Ghana) Ltd

Adedayo Arowojolu has several years’ experience in insurance with expertise in sales, and is knowledgeable in underwriting, claims administration and reinsurance. Adedayo has Bachelors and Masters degrees from the University of Ibadan. He also holds a Masters in Business Administration. Adedayo worked at Royal Exchange Insurance for over 14 years before he joined the corporate sales team of Wapic Insurance in 2013.

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Aina Akintonde - Head, Customer Solutions Division

Aina Akintonde is the Divisional Head of Customer Solutions in Wapic Insurance. Aina has over 23years experience in Financial Services in various functions including Corporate Sales, Foreign Funds Transfer, Contact Center, Operations and Products & Segments management. She was strategic to service delivery and the transformation of the contact center at Access Bank Plc. She spent 12years at MBC International Bank, which later became part of the First Bank Group. She graduated from Reading University, United Kingdom with a B.A in International Relations & Economics. She also holds a Masters in Business Administration (MBA) from Obafemi Awolowo University Ile- Ife. She has several Professional development certificates from prestigious institutions such as Harvard Business School, INSEAD and the Wharton Business School.

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Patrick Osadebe - Group Head, Commercial Sales and Distribution - South

Patrick Osadebe heads the Commercial Sales and Distribution Business for South Nigeria at Wapic Insurance. He has over 2 decade working experience in the financial services sector. Before joining Wapic Insurance, he was at various times Group Head, Business Banking Division – South and Head, Business Development and Planning – Subsidiaries at Access Bank Plc. Patrick is a graduate of Computer Science and holds an MBA Degree from the University of Benin.

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Nelson Madu – Head, Information Technology and Operations

Nelson Madu has over 2 decade working experience in the Technology and Financial services industry. Before joining Wapic Insurance, he was at various times Group Head, Information Technology, International Subsidiaries; Group Head, Technology Shared Services; Head, Technology Services Management at Access Bank Plc. Prior to Access bank, he was the Chief Technology Officer (CTO) at UBASouth Bank of UBA Group Plc, overseeing the technology function of South Bank. He holds a Bachelor of Engineering (B.Eng) degree in Computer Science and Engineering from Enugu State University of Science and Technology, Enugu, a Masters of Science(MSc.) degree in Systems Engineering (Artificial Intelligence) from the University of Lagos and many other technology professional certifications. He is an Associate Fellow of Institute for Operations Research of Nigeria (INFORN) and a member of Nigeria Society of Engineers (NSE) and COREN.

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Mary Agha - Company Secretary/Legal Adviser

Mary Agha is a Law graduate of the University of Ibadan. She has worked as company secretary for organizations such as Lead Capital Plc. and Intercontinental Bank Plc. She worked in the Company Secretariat and Subsidiaries legal services department of Access Bank, before joining Wapic Insurance.

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Muyiwa Oke - Chief Compliance Officer

Muyiwa Oke heads the Compliance and Internal control function at Wapic Insurance. He has over a decade’s working experience in the financial services sector with Citibank Nigeria Limited and Access Bank. His extensive experience cuts across various Banking operations departments like Customer Service, Quality Assurance, Business Process Review and Improvement. Muyiwa is a graduate of Engineering from the Federal University of Technology Akure.

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Sunny Ogbemudia - Chief Internal Auditor

Sunny Ogbemudia supervises the audit function of WAPIC Insurance Group covering all subsidiaries. He also supervises and coordinates the outsourced activities of WAPIC’s external audit firms. Sunny is an Accountancy graduate of the University of Maiduguri, he holds a Masters in Business Administration degree from the University of Benin. Sunny has worked with Akintola Willaims Deloitte (Chartered Accountants), Wema Bank, Ecobank and Access Bank Plc.

Wapic Insurance Plc is fully committed to implementing best practice standards in Corporate Governance. The Company recognizes that Corporate Governance and Practices must balance two goals of protecting the interest of Shareholders and providing for the duty of the Board and Management to direct and manage the affairs of the Company.

In line with our group framework, we have strengthened the corporate governance arrangements of the Company by increasing the Board Committees from four (4) to five (5), namely:

Board Audit and Compliance Committee

  • Purpose - The Committee assists the Board in fulfilling its oversight responsibility relating to the integrity of the Company’s financial statements and the financial reporting process; the independence and performance of the Company’s internal and external auditors; and the Company's system of internal control and mechanism for receiving complaints regarding the Company’s accounting and operating procedures
  • Membership – Three (3) Non-Executive Directors
  • Frequency of meetings – At least once every quarter

Board Enterprise Risk Management and Governance Committee

  • Purpose – The Committee assists the Board in fulfilling its oversight responsibility relating to establishment of policies, standards and guidelines for risk management, governance and compliance with legal and regulatory requirements in the Company
  • Membership – Seven (7) members comprising of Five (5) Non-Executive Directors and Two (2) Executive Directors
  • Frequency of meetings – At least once every quarter

Board Finance, Investment and General Purpose Committee

  • Purpose – The Committee assists the Board in fulfilling its oversight responsibility relating to management of the Company’s exposure to financial risk; management of the Company’s business plan, cash plan, balance sheet and capital structure; the Company’s capital allocation strategy, including the cost of capital; the quality of the Company’s investment portfolio and the trends affecting the portfolio; the effectiveness and administration of investment related policies including compliance with legal investment limits and the Company’s in-house investment restrictions; and providing oversight and guidance to the Company regarding all aspects of implementing the NAICOM Guidelines and compliance with other regulatory Risk based supervision framework.
  • Membership – Eight (8) members comprising of Five (5) Non-Executive Directors and Three (3) Executive Directors
  • Frequency of meetings – At least once every quarter

Board Establishment and Remuneration Committee

  • Purpose – To advise the Board on its oversight responsibilities in relation to remuneration, other human resource matters affecting the Directors and employees of the Company and all other general matters. Specifically, the Committee is responsible for determining and executing the processes for board appointments, removal of non-performing directors and recommending appropriate remuneration for directors (both executive and non-executive) and approving remuneration for all other staff
  • Membership – Four (4) Non-Executive Directors
  • Frequency of meetings – At least once every quarter

Board Information Technology Committee

  • Purpose – To assist the Board in fulfilling its governance and oversight responsibilities relating to development, periodic review and implementation of the Company’s Information Technology strategy; monitoring the Company’s investments and operations in relation to technology and information systems; and ensuring that the Company’s technology initiatives are consistent with the Company’s overall corporate strategy
  • Membership – Four (4) members comprising of Three (3) Non-Executive Directors and One (1) Executive Director
  • Frequency of meetings – At least once every quarter

The over-arching goal is to ensure better strategic oversight by the Board and a more in-depth approach to Corporate Governance in the Company. Members of the Board of Directors attend regular trainings on Corporate Governance and related issues both at local and international levels. In addition, the Company Secretary provides advice to the Board on Corporate Governance best practices from time to time.

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