I like competition... Better for Kenya but the firms should be:

1) Well capitalized for the business they write. Smaller firms write less business [but can be more efficient in processing claims & rooting out fraud]
2) Well regulated [timely audits, etc]
3) Vetted management - No scam artists should be allowed to own/run these firms. The directors should be 'clean'. They should be jointly investigated by the CID, NSIS, IRA & CBK. If listed then add CMA & NSE as well.