Introducing the team

Our team has an outstanding reputation throughout the insurance industry – and most importantly, with our clients. We are passionate about delivering a professional service to our clients and serving the community that we live and work in.

Uttam P Kripalani | Chairman

Fellow of the Chartered Insurance Institute, UK (FCII)

Contact Uttam

Uttam Kripalani has over 57 years of experience in the insurance industry, holding executive positions in the United Kingdom, India and Singapore.

Mr Kripalani has built long-lasting relationships with the National Council of Social Service (NCSS), the Singapore Indian Chamber of Commerce & Industry (SICCI) and the Singapore International Chamber of Commerce (SICC). These relationships have led to the formation of several special group schemes, including Group Hospitalisation programmes, special Workmen’s Compensation and Association Liability policies.


Mr Kripalani has a deep understanding of Social Service Organisations (SSOrgs), based on his experience in the following roles:

  • Deputy Chairman of the Singapore International Chamber; including Chairman of the SME and Investment Committees.
  • Founding member and Vice President of the Crohn’s & Colitis Society of Singapore.
  • An active Rotarian in the Rotary Club of Singapore for more than 35 years.
  • Creation of the Galaxy Education Trust Fund under the aegis of the Singapore Indian Education Trust.

Sunil K. Chugani | CEO

Member of the Insurance and Financial Practitioners Association of Singapore (IFPAS)

Contact Sunil

Sunil Chugani joined Galaxy in 2006. He was tasked with building the company’s Life Insurance and International Medical Insurance offerings. As CEO, Sunil is responsible for expanding the business through enhanced service offerings, and key international partnerships.


A hands-on practitioner, Sunil has deep knowledge of a range of insurance markets, products and services. His expertise in evaluating non-traditional medical cases with high risk assessments is well regarded by clients and industry peers alike.

Josephine Ng Lay Beng | General Manager

Senior Associate member of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF)

Contact Josephine

Josephine Ng Lay Beng has been with Galaxy Insurance since 1988. As General Manager, she is responsible for the firm’s day-to-day operations. Josephine provides services for individual clients, corporate organisations and SSOrgs in the areas of General Insurance and Group Employee Benefits programmes.


She is an active Grassroots and Singapore Insurance Brokers Association (SIBA) council member.