COVER Magazine: Recent Episodes

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COVER is the original intermediary publication in the South African & African insurance markets, we provide Quality editorial content by industry experts which allows readers to stay at the forefront of developments in the industry.

Retirement is about far more than accumulating enough money. In this conversation, Tony van Niekerk speaks with Meeta Gosai, Head of Income Solutions at Momentum Corporate, about the realities of creating sustainable retirement income in an increasingly uncertain world. They explore the financial and emotional challenges retirees face, including longevity, inflation, market volatility and sequencing risk, while highlighting the critical role advisers play in helping clients make confident decisions. Meeta explains why retirement planning should move beyond the traditional choice between growth and security, introducing the concept of a balanced retirement income strategy through with-profit annuities. The discussion also examines how guaranteed lifetime income, smoothing mechanisms and inflation-conscious solutions can provide retirees with greater confidence and peace of mind. This practical conversation offers valuable insights for financial advisers looking to improve retirement outcomes and support clients throughout one of life's biggest transitions.

How well protected are South Africans really? According to Old Mutual's latest claims experience and the findings of the ASISA Protection Gap Study, the answer is: not nearly enough.

In this conversation, Tony van Niekerk sits down with Arno Jansen van Vuuren, Head of Product: Retail Marketing, Old Mutual, to unpack the realities behind South Africa's widening insurance protection gap. Using real claims data alongside industry research, Arno explains why severe illness claims continue to rise, why cancer remains the leading driver across multiple benefit categories, and why underinsurance affects even affluent consumers.

The discussion explores why affordability alone cannot explain the protection gap. Instead, many consumers underestimate both their personal risk and the long-term financial consequences of illness or disability, while overestimating the protection they already have in place.

For advisers, the conversation offers practical guidance on identifying these gaps through better education, more meaningful client conversations and regular financial reviews that evolve alongside changing life stages. Arno also discusses how product flexibility and solutions designed around customer outcomes, rather than products alone, can help advisers deliver more relevant protection throughout a client's lifetime.

Whether you're an adviser, insurer or financial planner, this discussion provides valuable insight into today's claims trends, changing customer needs and the important role advice plays in helping South Africans build greater financial resilience.

Unlocking the Power of Data: A Year in Review with BarnOwl Data Solutions!
Join Angus Black and Tony as they discuss how 2025 marked a pivotal year where data transformed from a mere compliance obligation to a powerful competitive advantage. Discover how BarnOwl Data Solutions helped insurers streamline operations, improve data accuracy, and set new standards in the industry. Dive into their insights and learn how they're shaping the future of data processing.

Exciting insights into the future of Specialist Lines and Independent Brokers! 📈 Join Tony in conversation with Austin Mpandawana from Renasa as they delve into trends in the specialist lines environment, the role of independent brokers, and innovative solutions for the motor space. Discover what sets successful brokers apart in today's dynamic insurance landscape. Listen to the full interview now!

🚚 What does it take to thrive in the South African transport sector? Join us as we chat with Tyler Botha from VAPs HCV about the road to success, the role of brokers, and innovative solutions to industry challenges. Gain valuable insights and tips from a leader in the field

🎙️ Tune in to our latest interview with Izak Smit, Group CEO of PPS where we explore the incredible journey of PPS in the evolving financial landscape. From the power of AI to the potential of new international markets, Izak shares what makes South African markets recognized as a hub for global financial innovation. Listen in for valuable insights on how mutual models are thriving and what's shaping the future!

Curious about the role of automation in data solutions? Tune in to my conversation with Angus Black, Director at BarnOwl Data Solutions. We unpack the challenges and successes of integrating data into workflows, using real-world examples from underwriting to claims management, and discuss the key to balancing automation with human oversight. Learn how to measure success and adapt to a constantly changing environment.

Dive into our latest conversation with Thomas Kieck, Business Development Director at Tial Technologies, where we explore the philosophical side of insurance and technology. Discover how innovation is not just about keeping up with legislation but also about leading the charge in client adaptability. A must-listen for anyone keen on leveraging tech trends!

Dive into our insightful discussion with Thomas Kieck, Business Development Director at Tial Technologies, as we explore the evolving landscape of tailored insurance applications. Discover how Tial is shaping the industry by fostering long-term partnerships and staying ahead of market trends.

Behind the Wheel of Success 🚗✨ Excited to share a captivating conversation with Grant Cross, Founder and Director of Motor Acceptances. We delve into the evolution of the motor insurance industry over 26 years and the strategies that have kept Motor Acceptances at the forefront. Discover more about the unique challenges and innovations that define success in this ever-changing landscape.

Exciting conversation alert! 🚨 Tony had a fantastic chat with Allan Juma, the lead cybersecurity engineer at ESET, discussing all things multi-cloud and cybersecurity. Allan shared invaluable insights on how organizations can safeguard their data in today’s complex digital landscape. Whether you're in banking, insurance, or any data-heavy industry, this conversation is a must-listen for understanding multi-cloud architecture and vendor risk management.

Tony interviews Hemlata Karooa, Head of Client Management and Business Development at Ellgeo Re, about evolving leadership to unlock Gen Z performance in insurance and reinsurance. Hemlata shares how early responsibility at home and exposure to both unfair and supportive leaders shaped her belief that leadership is accountability, fairness, and empowerment, not title or pressure. She argues industry transformation (AI, automation, analytics) is outpacing the human side, driving disengagement and talent loss, citing research that direct leaders heavily shape job experience. Hemlata says Gen Z is misunderstood: they value purpose, transparency, feedback, and emotional safety, and reject burnout and micromanagement. She calls for shifting from control to trust, micromanagement to ownership, secrecy to clarity, and authority to example; expanding diversity into real inclusion and intergenerational collaboration; addressing ego-driven and toxic leadership; and building merit-based promotion systems, including Ellgeo Re’s career competency framework. She closes by urging young professionals to learn and bridge generations, and CEOs to lead with trust, empathy, and emotional maturity.

Tony interviews Ayouba Seydou, OLEA's Director Group placement and Reinsurance, about Africa’s insurance market from 2025 into 2026. Ayouba says 2025 saw strong foreign investment across Africa, increased regulatory changes in reinsurance such as higher local retentions, controls on cessions leaving Africa, and local content rules, alongside many election cycles. He frames these shifts as opportunities for brokers to advise clients by leveraging on-the-ground proximity to regulators, educating both regulators and international partners, and helping clients treat new rules as competitive advantages. He highlights reinsurance’s importance given low local capacity and lender demand for rated security, noting Africa Re and Allianz Re as rated options. The discussion also covers professionalism through technical training, soft skills, and mentoring, and OLEA's “territories, technology, talent” approach and pan-African focus.

In this episode of the Mind Shift podcast, host Tony from Cover magazine interviews Johan Minnie, the newly appointed CEO Designate of Consult. Johan shares his professional journey, the reasons for taking up his new role, and his vision for the future of financial planning in South Africa. He talks about the growth potential of Consult in the South African market, the importance of providing professional financial advice, and his personal background. Johan also discusses his approach to leadership, balancing stress, and the importance of making business enjoyable. Don't miss this insightful conversation about the next steps for Consult and the evolving financial planning environment.

Leadership Insights from Elite Risk Managing Director and co-founder Tarina Vlok | COVER Leadership Edition 2026 Join Tony from COVER as he engages in an enlightening conversation with Tarina Vlok, CEO of Elite Risk. In this special Leadership Edition episode, Tarina shares her thoughts on what makes an effective leader in the insurance industry. She emphasizes the importance of people-focused leadership, empathy, integrity, and trust-building. Tarina also addresses the challenges and priorities for future leaders, the role of technology and AI, and discusses the industry's impact on socio-economic issues in South Africa. Don't miss this insightful discussion about leadership, resilience, and the future of the insurance industry.

In this interview, Tony speaks with Nick Smit, a product development actuary at Bidvest Life, about the upcoming FPI convention and its theme 'Bring It Home.' They discuss the challenges in the advisor-client relationship, especially the skepticism towards life insurance and affordability issues. Nick elaborates on the complexities of insurance products and how Bidvest Life addresses these challenges through innovative product features like the commutation option and life income benefits. The conversation also highlights the significance of fast claims processing, the role of advisors in managing claims, and the importance of personal relationships in the financial planning industry.

In this interview, Tony from COVER speaks with Ellen Gower, the CFO of Fulcrum, about the critical importance of financial literacy for individuals and businesses. Ellen defines financial literacy as understanding how numbers work in various facets of life and emphasizes its significance in decision-making, budgeting, and investment. She calls for better financial education in South Africa's schools and discusses how financial literacy leads to better personal and business outcomes. They explore misconceptions about financial literacy, the benefits of challenging oneself to improve financial understanding, and how Fulcrum simplifies financial processes for the insurance industry. Ellen highlights Fulcrum's commitment to education, mentorship, and leveraging new technologies like AI to drive industry innovation and efficiency.

In this episode, Tony from Cover interviews Mike Adsetts, Global Chief Investment Officer at Momentum Investments, about the implementation and effects of the two-part system one year post-launch. Mike discusses the operational success, the behavior patterns of fund members, and the system's impact on lower to mid-income earners who are often most distressed financially. They also explore global comparisons, fund management strategies, and the potential long-term benefits and challenges of the two-part system within the context of economic growth and employment creation. Tune in for a deep dive into the intricacies of retirement fund management and policy impacts.

Join Tony from Cover as he interviews Thabo Twalo, Chief Underwriting Officer for Sanlam Broker Solutions, about the intricacies of risk management in the commercial underwriting process. Thabo discusses the four primary aspects of risk management: risk selection, risk sharing, risk management expectations, and risk capacity allocation. He delves into the implementation of these strategies, focusing on surveys, housekeeping, and technological requirements like tracking devices. Thabo also emphasizes the importance of broker training and client participation in managing risks effectively and shares insights on industry skill shortages and the evolving role of brokers in the insurance market.

In this insightful interview, Tony from Cover speaks with Riaan van Reenen, CEO of Discovery Life, about the crucial role of life expectancy in life insurance. They discuss global life expectancy trends, the impact of lifestyle choices on health and longevity, and how Discovery Life's Vitality program incentivizes healthy living. The discussion extends to the benefits for policyholders, the insurance company, and society, emphasizing the importance of personalized health journeys powered by AI. This episode is a must-watch for anyone interested in the intersection of health, insurance, and innovation.

Join Tony from Cover as he interviews Herman Scheepers, CEO of Renasa Insurance, about the critical challenges leaders face in a rapidly changing world. Amidst economic uncertainties and technological advancements, Herman discusses the importance of staying relevant, integrating new technologies, and addressing cybersecurity threats. He delves into strategies for motivating staff, recognizing their contributions, and upskilling to keep pace with innovation. Learn how Renasa benefits from being part of the TIH group, leveraging broader talent pools and sharing ideas to navigate the evolving insurance landscape effectively.

In this episode, Tony speaks with Khanyi Nzukuma, CEO of Glacier by Sanlam, about the Great Wealth Transfer—a major global trend involving the shift of trillions of dollars from Baby Boomers to younger generations. They discuss the significant challenges and opportunities this transition presents for financial advisors, particularly in engaging with tech-savvy millennials. The conversation also covers the unique situation in South Africa where wealth is distributed across various jurisdictions, necessitating complex estate planning and robust financial structures. Learn how Glacier by Sanlam is helping advisors navigate these complexities with specialized solutions and products.

In this episode, Tony from Cover interviews Theoniel McDonald, Head of Financial Planning and Wealth Manager at Wealth Associates. They discuss Theoniel's journey from owning a computer business to becoming a top financial planner, his passion for financial planning, and his recent achievement of becoming a finalist in the Financial Planner of the Year competition. Theoniel shares insights on the evolution of the financial planning industry, the importance of regulations, the role of technology, and his commitment to education. He also talks about the challenges and rewards of his profession, the significance of building lasting client relationships, and his vision for the future.

In this episode, Tony from Cover speaks with Michele Jennings, the Chief Executive at glu, about her inspiring journey in leadership. Michele shares her experiences, challenges, and the pivotal moments that shaped her career. She emphasizes the importance of mentorship, shared value in business, and her approach to fostering a supportive and inclusive work culture. Michele also discusses the unique challenges women face in leadership roles and offers advice for aspiring female leaders. Tune in to learn about Michele's thoughts on innovation, particularly the role of AI in future business growth.

Join Tony as he converses with Gideon Bochedi, the CEO of Credit Guarantee Insurance Corporation (CGIC). They delve into the intricacies of credit guarantee insurance, covering its purpose, market conditions, challenges faced by underwriters, and the significance of data in predicting economic outcomes. Gideon also explains the role of brokers and the specialized skills required in the credit insurance sector, along with CGIC's contribution to supporting business liquidity and growth in uncertain economic times. An insightful discussion for anyone interested in the financial and insurance industries.

In this in-depth conversation, Tony from Cover speaks with Elna van Wyk, Chief Operating Officer at Hollard Group, about the recent concussion workshop held with the South African Rugby Union (SARU) and MyPlayers. They discuss the importance of understanding concussion, the role of insurers in sports, and the initiatives taken to ensure player safety and premium sustainability. Elna shares valuable insights on injury prevention, the acceptance of new technologies like the intermental mouth guard, and the income protection cover provided by Hollard to professional rugby players. This episode highlights the collaborative efforts among medical professionals, insurers, and sports organizations to enhance the management of high-risk sports like rugby.

In this episode, Tony from Cover engages in a detailed discussion with Thomas Kieck, Business Development Director at Tial Technologies. They explore the rapidly evolving landscape of short-term insurance administration, focusing on the integration of AI, machine learning, and omni-channel sales platforms to add value for brokers and end customers alike. Thomas reflects on the industry's changes over the past 25 years, discusses the challenges and opportunities of operating in different markets like South Africa and Mauritius, and emphasizes the importance of data integrity, client training, and hyper-personalization. He also shares insights on the future potential of AI and technology in transforming the insurance sector.

Tony at Cover speaks with Daniel Moeti, the Executive Head of Business Development at Hollard Group Risk. Dan shares his extensive career journey from a small town in the Free State, through various educational achievements, to becoming a prominent figure in the insurance industry. He provides insights into his leadership style, the importance of group risk insurance, and advice for young professionals. Dan emphasizes the value of continuous learning, understanding the market, and the collaborative nature of effective leadership.

Join Tony from Cover as he sits down with Danny Collins, the founder and CEO of X'S Sure. Danny shares the origin story of X'S Sure, from its inception in 2004 to its growth over the past two decades. They discuss the innovative solutions X'S Sure offers to cover gaps in traditional policies, such as excess cover, tire insurance, and more. Danny also touches on the challenges of maintaining relevance in a competitive market, the importance of strong broker relationships, and hints at exciting future developments for the company. Don't miss this insightful conversation packed with valuable industry insights and entrepreneurial wisdom.

Join Tony from Cover as he interviews Yvonne Perumal, Head of Legal at IAM, a division of Standard Bank Group. In this engaging discussion, Yvonne shares her career journey, emphasizing the importance of curiosity, confidence, and mentorship. She talks about transitioning from legal roles to business development in Africa, the value of strategic networks, and balancing high-profile work with personal well-being. Yvonne also offers insightful advice for women in the early stages of their careers and highlights her commitment to mentor future legal talents. Don't miss her tips on leadership, growth, and making an impact in the financial and legal sectors.

Join Tony from Cover as he speaks with Kgolagano Zaza Leola, the Head of Collections at Credit Guarantee Insurance Corporation. In this insightful conversation, Kgolagano shares her experiences and expertise, discussing the economy's current pulse, the challenges SMEs face, and the essential skills needed in the credit insurance industry. Kgolagano also provides a personal glimpse into her career journey, her passion for helping businesses navigate difficult times, and future aspirations for both her and the company. Learn about the misconceptions around credit guarantee insurance and the impactful role this corporation plays in supporting businesses across South Africa.

Join Tony from Cover as he interviews Nicola, a 2025 Certified FPI Financial Planner of the Year & Wealth Manager at Private Client Holdings. Nicola shares her excitement about the recognition, her motivation for entering the contest, the rigorous process involved, and her journey in financial planning. They discuss the importance of continuous learning, holistic financial planning, and the profession’s evolving nature. Nicola also reveals her passion for education and how her diverse background has enriched her career. Tune in for valuable insights into the standards and challenges faced by today's top financial planners.

Tony from Cover Magazine interviews Vincent Gaudel from LexisNexis Risk Solutions about the rising importance of sanctions lists on businesses. The discussion covers key findings from a recent report on major sanctions lists, especially in light of the war in Ukraine, trends in sanctions actions, and the implications for financial services. Vincent shares insights on the complexity of compliance, the significance of US secondary sanctions, and the state of financial services in South Africa in relation to the gray list. This conversation sheds light on the critical need for effective compliance processes to maintain financial integrity globally.

In this insightful episode, Tony from Cover Magazine sits down with Dr. Marion Morkel, Chief Medical Officer at Sanlam, to discuss the latest trends in health and insurance claims statistics. They delve into key observations such as the rise in cardiovascular and cancer claims, the impact of diseases of lifestyle, and the concerning increase in younger people making claims. Dr. Morkel also highlights the important role of early diagnosis and lifestyle management, especially in the context of a growing awareness among the younger population. This conversation sheds light on how these trends affect the insurance industry and offers valuable lessons for both health professionals and the general public.

Inside the Excitement of IUM Golf Day: Planning, Prizes, and PartnershipsIn this episode, we delve into the intricacies behind IUM Golf Day, an event meticulously planned and executed by an in-house marketing team. Learn about the unique allure of multiple chances to win luxury cars, the extensive planning involved, and how the event fosters industry relationships. Discover insights on insurance practices and the integration of advanced technology to support brokers and clients alike. Join us as we explore how face-to-face interactions and strong partnerships set this company apart in the competitive landscape.

In this episode of the Cover Mindshift Series, Tony interviews Omar Gemei, the head of Global Placement and Bowing at Marsh for India, Middle East, and Africa. Omar discusses the recent 4% decline in commercial insurance market rates as reported in the Q2 Marsh Global Insurance Index, attributing the decline to increased competition and higher market capacity. He highlights the specific trends in the South African market, noting even greater rate reductions for large, risk-managed clients due to competition between local and London wholesale markets. Additionally, Omar touches on the resilience of the EA region's casualty market compared to the US. He also explains the growing role of alternative risk financing through self-insurance and captive insurance, particularly among sophisticated, multinational companies. The discussion extends to the dynamic cyber insurance market, where increased competition and better understanding of risks have led to declining rates in South Africa. Omar addresses concerns about the industry's capacity to underwrite cyber risks, emphasizing the significant learning and experience gained over recent years.

n this interview, Tony from Cover speaks with Elke Brink, a wealth advisor at PSG Consult. Elke discusses her unexpected path to a career in finance, her educational journey, and the impact of earning her CFP designation. She shares insights on building client trust, particularly as a young female advisor, and the importance of continuous learning in the ever-changing financial landscape. Elke emphasizes the significance of starting early to build a client book and maintaining a holistic understanding of financial planning. The discussion also touches on the benefits of working with a reputable brand like PSG Wealth.

In this episode of the Mind Shift series, Tony interviews Jan-Hendrik, head of underwriting at Western National Insurance, about the challenges and importance of agricultural insurance. They discuss the current state of insurance penetration in the farming community, the evolving risks due to operational changes like diversification into processing and manufacturing, and the significance of full disclosure. The conversation emphasizes the crucial role of brokers in helping farmers understand and mitigate risks, ensuring comprehensive coverage and compliance with regulations. Specific issues such as non-disclosure, joint ventures, and the integration of new infrastructure like solar panels and cold storage are also covered.

Join Tony from Cover as he engages in a comprehensive discussion with Gavin Horne, a seasoned senior underwriter at R&SA, about the importance of risk surveys in the insurance industry. Throughout their conversation, Gavin sheds light on the intricacies of conducting risk surveys, the critical role they play in assessing and pricing insurance, and the responsibilities of insurers, brokers, and clients in this process. Gain valuable insights into how thorough risk assessments lead to better-informed underwriting decisions, improved insurance terms, and enhanced client relationships. Don't miss this in-depth exploration of one of the most vital aspects of modern insurance.

In this episode, Tony from Cover interviews Jeanette Marais, Group CEO of Momentum, discussing the company's exceptional financial results and strategic initiatives. Jeanette highlights the diversified success of Momentum's nine businesses, with notable achievements despite minor setbacks in Africa. The conversation touches on the company's impact strategy, emphasis on collaboration across business units, and efforts to grow its advice footprint. Jeanette also talks about the turnaround in the short-term insurance segment and shares insights into the future of the industry amid economic and political uncertainties. The interview underscores the importance of financial advice and Momentum's commitment to client-focused strategies.

In this discussion, Tony from Cover interviews Daniel Stoch, Head of Research and Development at Discovery, focusing on the growing significance of income continuation benefits in the insurance industry. Daniel emphasizes the essential role of income protection, particularly for younger individuals, by outlining that future income is a significant financial asset that should be safeguarded. He discusses industry trends and claim statistics, revealing that Discovery paid out substantial amounts in income protection claims and holds significant reserves for ongoing claims. They also touch on the types of common claims, such as musculoskeletal issues and cancer, and the impact of these claims on different age groups. The conversation highlights the importance of holistic financial planning, combining life cover, disability cover, severe illness cover, and income protection. Additionally, the positive impact of Discovery’s Vitality program on reducing claim risks and promoting healthier behaviors is discussed.

In this conversation, Tony from Cover interviews Steve Piper, head of underwritten intermediary sales at Hollard Life Solutions, about their new product, Hollard Estate Solutions. The innovation aims to simplify estate planning for financial advisors and clients by providing a comprehensive, digital, and user-friendly platform. This platform not only creates a will but also calculates the cost of death and the impact on the family, helping advisors offer better, more informed advice. The discussion delves into the market needs, the challenges of estate planning, and the alarming statistics of South Africans without valid wills. The platform is designed to reduce administrative burdens on advisors, offering optionality in executorship, and ensuring an ongoing review of clients' estate plans to adapt to changes in their lives.

In this episode, Brent sits down with Kali Bagary, VP for Business Development – Africa and Nordics, at Sapiens, to discuss significant breakthroughs in AI-driven data migration for insurers. They delve into how AI is reducing risks, costs, and time for complex legacy data migrations, particularly in long-term insurance policies. The discussion covers the benefits of clean, accurate data for operational efficiency, cross-selling, and customer experience. They also explore the challenges of integrating legacy systems with digital portals and the new skills required to leverage these opportunities, with a look at exciting developments Sapiens is working on, including a fully automated digital platform and innovative underwriting solutions.

In this episode, Tony interviews Daniel van Andel, Head of Platform and Advisor Proposition at Allan Gray, to discuss the current challenges and opportunities facing financial advisors in South Africa. They explore findings from a recent industry barometer report, touching on topics such as compliance, succession planning, fee structures, business growth, technology adoption, and the evolving role of behavioral coaching in financial advice. Daniel shares insights on how advisors are adapting to regulatory changes, leveraging technology, and focusing on their core value to clients. The conversation provides a comprehensive look at the trends shaping the advisor landscape and offers practical perspectives for professionals navigating this dynamic industry.

In this episode of "Mind Shift Series," host Tony from Cover interviews Darryl Grater, Chief Growth Officer at Discovery Insurer and Vitality Drive International. They discuss the evolving landscape of insurance distribution in South Africa, highlighting the central role of brokers, the impact of technology and data-driven solutions, and the increasing regulatory and compliance challenges facing the industry. Darryl emphasizes the importance of strategic partnerships between insurers and brokers, the need for specialized and client-centric approaches, and the growing focus on risk management and advisory services. The conversation also explores how both large and small brokers are adapting to digital transformation and the ongoing shift in client expectations.

In this episode, Tony interviews Leo Holesgrove, Guidewire’s South Africa lead, about the evolving role of brokers in the insurance industry and how Guidewire’s technology is shaping their future. They discuss the increasing demand for digital, seamless insurance experiences, and how Guidewire’s platforms help brokers streamline workflows, improve efficiency, and enhance client relationships. Leo shares real-world case studies from Canada, Argentina, and the UK, illustrating how Guidewire’s solutions have driven broker engagement and satisfaction globally. The conversation also explores future trends such as automation, AI, and omnichannel engagement, emphasizing the importance of robust, flexible platforms for brokers to remain competitive and deliver value in a rapidly changing environment.

Gary Tessendorf, regional director at Sapiens, shares how artificial intelligence is revolutionising the insurance industry across South Africa and Sub-Saharan Africa. Drawing from real-world deployments, the interview highlights:

Embedded AI Across the value chain: AI is no longer an add-on - it’s integrated into core systems like underwriting, claims, and policy administration
Real-Time underwriting & personalisation: Tools now offer brokers a 360-degree customer view, enabling tailored pricing and faster decisions
Data migration breakthroughs: AI is de-risking complex legacy data migrations, with South African insurers leading global examples
Local market dynamics: Insurers are pursuing both large-scale transformations and agile, modular experiments to test and scale AI capabilities
Ethical & responsible AI use: Focus is on optimisation, not downsizing, with embedded guardrails ensuring safe deployment
Solving real problems: From fraud detection to dynamic pricing, AI is being applied to high-impact use cases with measurable results
Closing the skills gap: Demand for AI talent is growing, and Sapiens is helping bridge the gap with global expertise
AIE’s Role in Innovation: The African Insurance Exchange fosters meaningful dialogue, partnerships, and strategic planning

Conclusion: AI is not a future concept -it’s a present-day differentiator. Sapiens is helping insurers unlock its full potential with the right tools and guidance.

In this insightful conversation, Graham Harvey, CEO of Cardinal, shares how the company is navigating the complex realities of insurance technology. From compliance pressures to double data capture, Cardinal’s tools aim to simplify and streamline broker workflows. Graham unpacks how their Super User Forum ensures client-driven innovation, and how new acquisitions in claims, self-service, and surveying enhance broker value. While AI is still in its “show me the money” phase, real traction is happening in digital transformation and robotic automation. Execution, not just innovation, is where Cardinal believes true value lies.

In this episode, Tony sits down with Mark Barrow, Executive Head for South Africa and National Marketing Manager at Mirabilis, to unpack the shifting terrain of construction and engineering insurance. From an oversupply of capacity in small to medium projects, to ESG pressures, treaty reinsurance constraints, and the impact of global disruptions, Mark offers a grounded yet optimistic view of the market. He also shares insight into government infrastructure projects, the role of PPPs, and growth opportunities in mining and across Africa. If you’re in insurance, underwriting or infrastructure development, this is essential listening.

Understanding Cloud, Data Analytics, and Insurance with Claudia SassJoin Tony from Cover in this Mind Shift podcast as he interviews Claudia Sass, Business Development Manager at Sapiens, about her extensive background in the IT industry, cloud computing, and data analytics. Claudia shares insights on the critical role of cloud in managing big data, the evolution of data analytics, and the impact of cloud adoption on the insurance industry. Discover how companies can leverage cloud services and data analytics to drive business innovation and sustainability. Don't miss this insightful conversation about the future of data, technology, and insurance.

n this episode, Tony from Cover talks with Lindiwe Gumede, the Chief Marketing Officer of Metropolitan, about the shifting consumer needs in the insurance industry over the past five years, particularly in light of the COVID-19 pandemic. They discuss the importance of transparency in insurance policies, the role of digital tools, and Metropolitan's initiatives like the Metropolitan Collective Shapers program and financial literacy programs aimed at empowering communities. The conversation also covers how the company has adapted its communication strategies to ensure clients receive reliable and digestible information.

Join Tony from Cover as he catches up with Peter Tshiguvho, CEO of Metropolitan, to discuss the evolving landscape of the insurance industry. They delve into the main challenges like geopolitical issues, economic conditions, and the role of digitalization and AI. Peter emphasizes the need for re-skilling, staying agile amidst change, and maintaining team alignment. They also explore the importance of building a strong foundation and staying adaptable to remain competitive. This conversation provides valuable insights into managing change, attracting talent, and strategizing for the future.

In this episode, Tony speaks with Luke Sutton, Head of Transactional Risk Insurance at Marsh, about the evolving landscape of transactional risk insurance, particularly in Africa. They unpack what this form of insurance entails, its growing relevance in M&A deals, and how the product has become more accessible and proportionate over time. Luke also shares insights from Marsh’s latest Transactional Risk Insurance Report, touching on claims trends, sectoral growth, and how early engagement and broker support can help facilitate smoother, lower-risk transactions for both buyers and sellers across the continent.

Veritas Global Protection has launched in South Africa, bringing with it a new approach to vehicle warranty products. In this conversation with Tony, Country Manager Petrus Potgieter and Operations Manager Lorenzo Farelo share insights into the local and global warranty landscape, growing market demand, and Veritas’s mission to provide true peace of mind. With unique offerings like market value-based payouts on mechanical breakdowns, they’re changing the rules in a space often plagued by fine print and mistrust. Learn how Veritas aims to bridge the trust gap and create real value for South African motorists, brokers, and dealers.

In this episode, Tony reconnects with Angus to explore how real-time data, IoT, wearables, and AI are shaping the future of insurance. They unpack the transformative impact of technology on risk management, pricing, customer engagement, and fraud prevention. Angus discusses the need for strong data security, compliance with POPIA, and balancing innovation with regulatory obligations. He also explores how smaller insurers can tap into affordable tools like Power BI to stay competitive. From predictive insights to climate change response, this episode provides a forward-looking perspective on how data is driving strategic decision-making across the industry.

In this insightful conversation, Tony from COVER Magazine speaks with Angus Black of BarnOwl Just Data Solutions about the growing importance of data in the insurance industry. They explore how data is moving from a reactive to a proactive tool for risk management, the value of predictive analytics, and how silos, legacy systems, and a skills gap present ongoing challenges. Angus emphasizes the need for unified data platforms and discusses how data can help insurers stay competitive and innovative. This is a must-listen for anyone interested in how data is transforming the way risk is understood and managed in insurance.

In this insightful episode, Tony speaks with Louis van Vuren, the CEO of the Fiduciary Institute of South Africa (FISA). Louis shares critical updates on FISA's recent activities, including changes in legislative compliance concerning trust management, issues with the Master's Office, and the significance of enduring powers of attorney. Additionally, Louis discusses the upcoming 15th Annual FISA Conference, its exciting lineup of speakers, and the key themes to be addressed, such as fiduciary opportunities in today’s complex world. Join us for an essential conversation for anyone involved in fiduciary services and the financial industry.

Cross Country has spent 24 years developing a niche insurance offering that goes beyond traditional motor cover. Specialising in 4x4 vehicles, classic cars, and adventure-driven policies, the company stands out for its deep understanding of client passions. Whether covering rare vintage vehicles or supporting adventurous off-roaders, Cross Country ensures seamless protection, including repatriation, emergency medical assistance, and tailored risk solutions. By working closely with brokers and exclusive clubs, they’ve built a reputation for delivering personalised, value-driven cover. Their approach isn’t just about insuring assets—it’s about safeguarding the entire lifestyle that comes with them.

Join Tony from COVER as he speaks with Austin Mpandawana, the Manager for Specialist Lines at Renasa. In this insightful conversation, Austin discusses the evolving role of brokers in the commercial motor insurance space, the growth of specialist lines, and the vital partnership between Renasa and its brokers. They explore how brokers are adapting to new challenges, such as fleet management and risk mitigation, and how Renasa is supporting them with specialised products and tools. Tune in for valuable insights into the future of commercial motor insurance and the evolving landscape for brokers.

In this thought-provoking discussion, Tony van Niekerk chats with Mike Mgodeli, Managing Director of RTUSA, about the transformation of South Africa’s public transport and e-hailing sectors. They explore how mobility is evolving through co-creation between taxis, e-hailing platforms, and fleet operators—offering new opportunities and challenges for insurers and brokers. Mike shares fresh insights into vehicle access, risk management, and the need for more flexible insurance products. If you're in insurance, tech, or transport, this is a must-listen conversation about how innovation is reshaping how South Africans move.

In this discussion, we explore how INSRAP, part of Admin Plus, is revolutionising insurance claims fulfillment. Cameron Clark (Business Executive) and Alan Kinloch (General Manager) join us to discuss how their tech-driven approach is cutting claim costs by up to 33% while reducing processing times to under 24 hours.

They explain how real-time pricing, automated updates, and a national supply network are transforming the way brokers and insurers handle claims. If you’re in the insurance industry and want to learn how claims fulfillment is being streamlined for speed and savings, this is a must-listen!

In this insightful conversation, Tony from COVER Magazine chats with Fergus McNamara, Director at FDM Engineering Underwriters, about the complexities of plant insurance and the challenges faced by the construction industry. They explore the key differences between plant insurance and motor vehicle policies, the risks of absconding, and how FDM’s policy offers unique features like fixed depreciation and market value protection. With practical tips on risk management and insights into the current construction market, this discussion is a must-listen for brokers, insurers, and anyone involved in construction insurance.

Join Hilmar von Mansberg, Managing Director at Ownsurance, as he shares the journey of building one of South Africa's largest independent heavy commercial vehicle (HCV) insurance brokerages. From humble beginnings as a one-man brokerage to becoming a leader in the HCV sector, Hilmar discusses the importance of specialization, building partnerships, and the evolving transport market. Gain valuable insights into the growing HCV insurance landscape, how brokers can benefit from partnerships, and the dynamic role Renasa has played in his business growth. Tune in to hear about the evolution of Ownsurance and the future of HCV insurance.

In this episode, MJ Givens Kgasi, analyst at global brokerage firm Octa, joins Tony to unpack the evolving world of trading and broking. From the shift to mobile-first platforms and the role of liquidity providers to the importance of regulation and rapid execution, MJ gives listeners a grounded look into what it really takes to trade successfully in today’s volatile markets. He also highlights Octa’s mission to democratise access to trading, especially in emerging markets like South Africa, while addressing the growing need for financial education and infrastructure to combat scams and empower users.

In this insightful podcast, Tony speaks with Harry Joffe, Head of Legal at Discovery Life, about the increasingly popular Dollar Life Plan. Designed to meet the needs of globally mobile South Africans, the product allows policyholders to take out and pay for life cover in US dollars.

Harry Joffe unpacks the practicalities of premium payments, estate planning advantages, and innovative uses of foreign trusts and offshore payments.

This conversation provides valuable insight for financial advisors and clients navigating cross-border financial needs, estate duty implications, and long-term financial security.

Key Points from the discussion:

Dollar-denominated life cover addresses offshore estate planning needs.
Clients can pay via SDA or directly from offshore funds.
Premiums are affordable, starting at $50/month.
Policy is issued from Guernsey and pays to offshore bank accounts only, making it exempt from South African estate duty.
Offshore structures like trusts, companies, and foundations can own the policy.
Discovery offers a “short-form trust” for simplified, cost-effective estate planning.
Practical for covering offshore estate taxes (e.g., UK or US situs tax).
Used increasingly by middle-class families, not just high-net-worth clients.
Vitality members can receive a 50% discount on premiums based on the exchange rate.

In a fast-moving world, businesses face increasing risks from misinformation, geopolitical instability, and climate change. In this discussion, Spiros Fatouros, CEO of Marsh McLennan Africa, provides insights into the evolving risk landscape. He highlights key findings from the latest Global Risk Report, emphasizing the impact of AI-driven misinformation, business interruption, and environmental threats. From supply chain disruptions to long-term climate planning, organisations must take a proactive approach to risk management. This conversation explores how businesses can better navigate uncertainty and ensure resilience in the face of growing global challenges.

South Africa’s GDP growth remains sluggish, but can the right reforms drive a turnaround? In this discussion, Tony speaks with Reza Hendricks, Portfolio Manager at PPS Investments, about the key factors influencing the country’s economic outlook.

They discuss the role of infrastructure, logistics, and policy efficiency in unlocking growth, as well as the impact of global tariff wars. Reza shares insights on how PPS Investments is navigating uncertainty, balancing risk, and positioning for future opportunities.

Tune in to gain expert perspectives on the South African investment landscape.

Healthcare costs continue to rise, leaving many South Africans exposed to significant financial risks. Martin Rimmer, CEO of Sirago Underwriting Managers, shares his insights on the evolving role of medical gap cover, its impact on affordability, and the importance of consumer education. He explores how regulatory changes, industry challenges, and innovation are shaping the sector. In this discussion, we unpack why gap cover remains a crucial financial tool in an uncertain healthcare environment and how providers can enhance their offerings. Join us for a deep dive into the opportunities and obstacles that define the future of healthcare funding.

Data is the new gold, but only if you can use it wisely. In this insightful interview, Tony from COVER chats with Angus Black of BarnOwl Data Solutions to unpack the explosion of data in the insurance sector—its growing volumes, evolving quality demands, and the pressure on insurers to extract real value. Angus shares practical insights into working with legacy systems, defining and measuring data quality, and how regulatory pressure is reshaping priorities. If you're in insurance, this is a must-listen for understanding how data is becoming your most important asset.

In this discussion, Tony chats with Yaniv Kleitman, Director in the Corporate and Commercial practice at Cliffe Dekker Hofmeyr, about a crucial but often overlooked area of corporate governance—the Social and Ethics Committee. Yaniv unpacks the Companies Act requirements, the impact of recent Companies Tribunal rulings, and the growing legal and reputational significance of ethics in business. From the role of non-executive directors to the consequences of non-compliance, this discussion is a must-listen for directors, legal advisors, and governance professionals navigating the evolving expectations of corporate citizenship in South Africa.

Wildfires are an increasing threat to homes, businesses, and communities—yet risk management remains an overlooked area in South Africa. In this discussion we speak with Patrick Ryan, wildfire practitioner and innovator at Vulcan Wildfire Management, about the urgent need for better preparedness. Patrick discusses the lessons from the Knysna fires, the role of insurance in driving behavioural change, and how technology and smarter planning can help mitigate disaster.

Whether you're an insurer, broker, or homeowner, this episode provides essential insights into protecting properties from the growing threat of wildfires.

In this discussion we sit down with Sid Beaton, Divisional Transport Manager, and Nico Venter, Commercial Manager at ONE Insurance Underwriting Managers.

They share how ONE Insurance has become a leader in transport and commercial risk solutions, leveraging technology, telematics, and a 24/7 Incident Management Centre to protect businesses against evolving risks.

We discuss the differences between long-haul and short-haul transport insurance, the role of brokers, and how proactive risk management is reshaping the industry. Tune in to learn how ONE Insurance is setting new standards in commercial vehicle and goods-in-transit coverage.

Jerry Anthonyrajah, Chief Commercial Officer and Acting CIO at Old Mutual Insure, offers a forward-looking perspective on the insurance industry in 2025. Highlighting themes of resilience and adaptation, he discusses how insurers have consolidated to navigate challenges like climate change and supply chain inflation. Jerry underscores the importance of technology adoption, advanced analytics, and cybersecurity in ensuring future sustainability. He sees growth opportunities in health insurance and cyber insurance, emphasising the vital role brokers play in addressing these needs. Jerry also stresses the need for brokers to evolve through digitisation, specialisation, and customer-centric strategies to thrive in a rapidly changing landscape.

In this conversation, Tony from COVER speaks with Michele Jennings, CEO of glu, the newest division of PPS designed to expand mutuality beyond graduate professionals. glu is a tech-driven, profit-sharing financial services brand targeting digitally savvy individuals aged 25-55. Michele shares how glu’s vibrant identity, cutting-edge technology, and innovative profit-sharing model differentiate it from traditional offerings. Learn how glu makes financial security more accessible and why its unique approach is reshaping the industry. Don’t miss this deep dive into how glu is bringing mutuality back to more South Africans. 🎧 Tune in now!

Join Kresantha Pillay, Chief Specialist for Risk Products at Liberty, as she delves into the emotional and financial challenges surrounding critical illness, especially cancer. Discover how Liberty’s innovative products, like the Cancer Claim Booster and Critical Illness Booster, offer much-needed financial relief during these life-altering events. Kresantha highlights the importance of proactive planning, comprehensive risk cover, and the value of professional financial advice. Learn how Liberty is redefining critical illness cover to provide peace of mind and empower clients to focus on recovery.

In a conversation with Cover Magazine, Jaco Mostert, Group CEO of Workers Life, discussed the challenges and opportunities in the insurance industry for 2024 and beyond. He highlighted the global gap in insurance, driven by inflation, distribution issues, and lack of access to coverage. Jaco emphasized the importance of making insurance products accessible and affordable for middle to lower-income populations. He outlined Workers Life's strategy to leverage technology, invest in marketing, and expand distribution capabilities. He also stressed the need for financial literacy and overcoming barriers for individuals in underserved markets.

In this discussion, we sit down with Ian Georgeson, CEO of Cross Country Insurance, to explore the company’s role in South Africa’s specialist insurance market. Ian shares the journey of building a 27-year legacy in marine and 4x4 insurance, catering to adventurers and outdoor enthusiasts. From tackling unique challenges like underinsurance and equipment failures to fostering community through events like the Sodwana Fishing Competition, Ian provides valuable insights into the business of leisure lifestyle insurance. Tune in for expert advice, fascinating anecdotes, and a closer look at how Cross Country keeps its clients covered on land and water.

In this conversation, Martin Muller, Business Development Consultant at Medihelp, emphasises the importance of financial advice in healthcare funding. He explains the critical differences between medical aid and insurance, noting that while medical aid covers a vast array of conditions without limits, insurance policies often have caps. Muller also discusses Medihelp's efforts to create affordable medical aid options, particularly for students, and highlights the growing challenge of providing quality healthcare in an economically strained environment. Financial advisors, he stresses, are vital in ensuring clients make informed decisions regarding their health cover.

Shaun Ruiters, CEO of PPS Investments, shares insights on his first year leading the company and how PPS focuses on empowering South Africa’s graduate professionals.

Ruiters highlights the evolving role of multi-management, shifting towards more tailored solutions for different client needs. With rising interest in passive investments, both globally and locally, PPS has embraced innovation while staying true to its purpose-driven approach.

He also touches on the increased complexity in the financial advisory space and how PPS supports advisors in staying relevant and providing bespoke client solutions.

AI is a hot topic in insurance, but real digital transformation goes far beyond just implementing AI tools. Graham Harvey, CEO of Cardinal, emphasises that insurers must start with business needs—such as fraud prevention and process automation—before determining if AI is the right solution. Legacy systems remain the backbone of insurance operations, and integrating AI requires collaboration with system providers. Additionally, challenges like cybersecurity, regulatory compliance, and workforce reskilling must be addressed. Ultimately, successful digital transformation is about rethinking business processes strategically rather than blindly adopting new technology.

The funeral insurance industry is evolving, but challenges in compliance, fraud prevention, and innovation remain. In this insightful discussion, Marius Brits, CIO and Co-founder of 360 Administration Systems, unpacks the key pain points and solutions shaping the industry. From the role of technology in policy administration to the need for greater education and transparency, this conversation sets the stage for the upcoming SAFIS Summit. Whether you're a broker, insurer, or funeral parlour owner, this episode provides valuable insights into the sector’s pressing issues and future opportunities.

KEU, a leading UMA in South Africa’s entertainment insurance sector, celebrates 24 years of innovation and personal connections. Founded by Denise Hattingh, KEU emerged during a pivotal shift in the insurance market, becoming a trusted name for event and film risk coverage. As Denise explains, “Each risk is unique, whether it’s aerial artists or liability claims.” Marketing lead Iola Edmayr highlights the importance of balancing digital tools, like broker portals, with personal touchpoints. The upcoming rebranding and website refresh, launching in early 2025, signals KEU’s commitment to staying relevant while fostering meaningful broker relationships.

Sachin Govender, Managing Director at Fulcrum Premium Finance, unpacks the concept of premium financing, a solution that offers structured payment methods for annual insurance premiums. He explains its wide-ranging benefits for policyholders, brokers, underwriters, and insurers, such as improved cash flow, reduced administrative burdens, and faster premium collection. Govender highlights the growing demand in sectors like heavy commercial vehicles, where high premiums necessitate financing options. He emphasises Fulcrum’s quick approval process, with quotes delivered in under a day, and a customer-focused approach, enabling clients to optimise their cash flow while brokers enhance their value proposition through flexible payment options.

In this episode, FNB Insure’s Product Portfolio Lead, Balesh Raniga, delves into the importance of affordable health insurance for South Africans. He explains FNB’s innovative approach, from the Health Cash Plan to Gap Cover, designed to provide essential financial support during health events.

Balesh also shares insights on FNB’s goal to move beyond the “grudge purchase” mindset by making insurance accessible and meaningful. Tune in to learn how FNB Insure is addressing the unique challenges of South Africa’s insurance landscape and bridging the gaps in health funding, even for those who aren’t traditional medical scheme members.

Momentum Insure has undergone a significant transformation since its acquisition of Alexander Forbes Insurance in 2019/2020. In this discussion with Momentum Insure’s CEO Brant Pretorius, he fills us in Momentum Insure’s journey and transformation since this acquisition.

Despite industry challenges such as climate change, inflation, and failing infrastructure, Momentum Insure has successfully realigned its strategy. With a focus on claims ratio improvement, cost reduction, and digitalisation, the company has achieved remarkable growth and profitability.

Pretorius highlights the importance of intermediaries in this journey, emphasising their evolving role in providing advice and leveraging technology. Looking ahead, he says that the company remains committed to maintaining profitability, driving growth, and fostering strong partnerships with intermediaries.

Jade Jensen, MD of Fulcrum Group South Africa, and Dave Stevens, CTO, explore Fulcrum’s new Air Collect model. They discuss the complexities of premium finance and how Air Collect is transforming the collection process for brokers and insurers.

Jade and Dave explain the technical and operational advantages of Air Collect, which consolidates collections and streamlines payment distributions. This innovative solution minimises risks, reduces administrative burdens, and simplifies monthly reconciliations for brokers.

If you're in the insurance industry, this podcast provides valuable insights into how Fulcrum’s solutions can enhance efficiency and mitigate financial risks.

Nic Smit, from Bidvest Life, shares key insights from their annual claims report, offering a generational perspective on insurance needs. Millennials are 55 times more likely to claim for income protection than death benefits, highlighting a critical gap in awareness and coverage. Smit emphasises the need for financial advisers to adapt their approaches to reach younger clients and discusses innovative solutions, such as combining critical illness benefits with income protection for improved claims experiences. Additionally, he highlights their impressive claims payout ratios and quick turnaround times, showcasing Bidvest Life’s commitment to supporting policyholders in times of need.

Jephita Gwatipedza, COO of Zep Re, highlights the evolving reinsurance landscape across Southern Africa. Despite challenges like economic constraints and localised regulatory shifts, opportunities are emerging in micro-insurance, agriculture insurance, and parametric solutions. Zep Re’s initiatives include World Bank-backed agricultural insurance projects and innovative products like collateral replacement indemnities to enhance insurance accessibility. Skills development remains a priority, with the RI Academy training over 22,000 professionals in five years. Jephita underscores the need for local expertise and international collaboration to unlock the region's growth potential while addressing critical risks such as flooding and emerging threats like cyber risks.

Join Tony from COVER as he chats with Gary Stieger, CEO of My Glass, about their recent award win and the drivers behind their success. Gary shares insights into how My Glass delivers exceptional service through passionate teams, robust systems, and a culture of continuous improvement. Learn how My Glass balances the needs of insurers, brokers, and clients while maintaining a 98-99% customer satisfaction rating. With a strong network of service providers and innovative systems, My Glass is redefining service standards in the fitment industry.

In this engaging discussion, Patty K. Martin, CEO and President of the African Insurance Organisation (AIO), explores the current state and future opportunities in the reinsurance sector. She highlights how reinsurance serves as a barometer for the African insurance industry's health and resilience. Key topics include emerging risks like cyberattacks, climate change, and geopolitical challenges, as well as the rising demand for innovative products such as parametric insurance. Patty also emphasises the importance of addressing skills gaps, fostering collaboration, and leveraging technology to meet Africa’s evolving insurance needs. Her insights offer a compelling vision for the industry's future.

Jane March, CEO of Guy Carpenter South Africa, discusses the current state and outlook of the Southern African reinsurance market. After three challenging years marked by COVID-19, natural disasters, and economic constraints, the market shows signs of stabilisation. Jane highlights key opportunities, including parametric solutions and capacity growth in catastrophe insurance. Despite economic pressures, innovation, knowledge sharing, and skills development are reshaping the industry. With improved underwriting discipline and international collaboration, Jane forecasts a cautiously optimistic outlook for 2025. Her insights underscore the resilience of the industry and its role in supporting local insurers through tailored solutions and expertise.

Adrian Mincher, Director at Earnix, delves into how data analytics and AI are reshaping underwriting in insurance. Traditional approaches relying on experience are giving way to data-driven decisions that enhance risk assessment and pricing strategies. By integrating advanced technologies, insurers gain granular insights into exposure trends, enabling more informed decisions, improved loss ratios, and greater efficiency. Mincher also highlights the implications of global pricing regulations, such as “price walking,” and how they may influence the South African market. As the industry evolves, leveraging data and analytics is critical for insurers to remain competitive, efficient, and responsive to regulatory changes.

Marcus Looft, Strategy Director at Earnix, talks about the findings of Earnix's 2024 Insurance Trends Report.

Marcus explores the industry's biggest challenges, including legacy system modernisation, AI adoption, and the growing urgency for innovation.

He shares insights into how insurers are leveraging data-driven technologies to enhance decision-making and collaboration while navigating regulatory pressures and emerging risks like cybersecurity.

Discover how these advancements are reshaping the competitive landscape and why modernisation is no longer optional but essential.

Graham Harvey, CEO of Cardinal, talks about the evolving role of business intelligence (BI) in the insurance industry. Graham discusses how technology has moved from the back office to the forefront of strategic decision-making.

Cardinal's investment in BI solutions, including partnerships with tools like Power BI and QlikSense, has enabled insurers to better analyze data and make more informed decisions. Tune in to learn how BI is revolutionising insurance operations and why building an ecosystem of best-of-breed technology partners is key to staying competitive in the industry.

oin us as we explore the game-changing world of embedded insurance with Charlotte Koep, CEO of Root shares insight into the game-changing world of embedded insurance.

She explains how embedded insurance integrates seamlessly into everyday transactions, providing immediate protection for consumers and businesses alike.

Charlotte delves into how Root's technology enables insurers to digitise their operations and collaborate with non-insurance brands to offer risk coverage at the point of purchase.

Learn how embedded insurance is helping close the protection gap, especially in underserved markets across Africa.

In a recent discussion, Angus Black, Director at BDS BarnOwn Data Services, emphasised the transformative power of data in the insurance industry. Highlighting its evolution over 16 years, he noted that the use of data has expanded beyond regulatory compliance to include underwriting, actuarial analysis, and claims management. Angus explained that a solid data standard allows for automation, enhancing data quality and streamlining processes. He underscored the importance of integrating various data sources to support brokers and insurers, enabling more informed decision-making and fostering stronger relationships within the industry.

In a conversation with COVER Magazine, Angus Black, Director at BarnOwl Data Services, discussed the critical role of data standards in the insurance industry. He emphasised that data standards consist of three main elements: defining data fields, identifying essential data elements, and setting clear rules for data collection. Angus explained that while regulations provide a framework for data uniformity, flexibility and repeatability are key to ensuring accurate and shareable data across platforms. Automation plays a vital role in managing large volumes of data, but human oversight is necessary to ensure accuracy and handle unique cases.

Natasja Norvall Hart of Evolution Wealth, the 2010 Financial Planner of the Year, reflects on her two-decade journey in the financial planning industry. She emphasises the critical role financial planners play in clients’ lives, particularly during significant life events. Natasja highlights the importance of holistic financial planning and maintaining lasting client relationships. She praises the evolution of the industry, noting how product providers are transitioning from transactional to partnership models. Additionally, Natasja discusses the value of the CFP designation and the significance of continuous professional development and ethics in navigating potential conflicts of interest.

In a conversation with Tony from Cover, Hester van der Merwe of Ultima Financial Planning reflects on her journey in the financial planning industry. Winning the Financial Planner of the Year award in 2020 transformed her perception of the profession, which she describes as evolving from sales-driven to client-centered advice. Hester emphasizes the importance of authentic relationships with clients and encourages the next generation to enter the profession, highlighting the role of paraplanning as a valuable entry point. She advocates for a coaching approach, urging advisors to listen and understand their clients’ unique life situations.

Wouter Fourie of ASCO Independent Wealth Managers and past FPI Financial Planner of the Year, reflects on the firm’s 20-year journey in providing holistic financial planning. Wouter discusses how the industry has evolved from sales-driven practices to a professional, client-focused service. He highlights the importance of mentoring the next generation, educating clients, and integrating technology, particularly AI, into financial planning. Wouter shares his passion for the technical side of the business and emphasizes that education, both for clients and financial planners, is essential for navigating South Africa’s complex economic challenges.

In a discussion with Tony at COVER, Alec Riddle, Financial Planner of the Year winner, shares his expertise on retirement planning. Alec highlights the dangers of high drawdown rates and suggests a blend of living and life annuities to create sustainable income for retirees. He emphasizes the need for planners to put clients first, focus on longevity, and adapt to changes in the industry. Alec also stresses the importance of annual reviews and addressing the mindset shift needed for successful retirement. He encourages financial planners to link up with larger organisations to navigate increasing compliance and technology costs.

Bruce Fleming, an experienced financial planner with nearly three decades of industry experience, discusses his journey from legal advisor to lifestyle financial planner. In this candid conversation, he highlights the importance of putting the client first, how legislative changes have shaped the industry, and the vital role trust plays in client relationships. Bruce's commitment to providing tailored financial solutions and fostering long-term partnerships with clients stands at the heart of his approach. For those entering the financial planning industry, his insights offer valuable lessons on building trust, navigating industry changes, and ensuring client-centric service.

Barry O'Mahony, founder of Veritas Wealth Management, shares his journey from cold-calling in South Africa to becoming one of the country's top financial planners. In this interview, Barry opens up about the significance of Veritas, which means "truth" in Latin, and how his approach to lifestyle financial planning has transformed the lives of his clients. Winning Financial Planner of the Year was a game-changer, not just for his public image but in reinforcing trust with his existing clients. Barry also touches on the complex challenges facing financial planners today, including navigating uncertain markets and helping clients through major life transitions.

Lara Warburton, Director at Integral Wealth and Financial Planner of the Year, has spent over two decades shaping the financial planning profession. Initially starting in a different field, Lara’s career journey led her to Investec, where she discovered her passion for financial advice. Now, a Certified Financial Planner® (CFP), she values the trust her clients place in her, emphasising transparency, honesty, and client-centric advice. Lara believes financial planning is about helping clients navigate both the good and difficult times. Her key advice for aspiring planners? Know your limits, stay transparent, and always prioritise your clients' needs.

Debbie Netto, founder of Netto Invest, has transformed the financial planning industry with her holistic and client-centered approach. Beginning her career as a nurse, Debbie's passion for helping people shifted from healthcare to financial wellness, driven by a desire to guide clients through life’s pivotal moments. With over three decades of experience, she pioneered fee-based financial planning, moving away from commission-driven models. Debbie’s leadership has empowered her team to deliver consistent, needs-based advice to clients, combining technology with a deeply personal understanding of their financial challenges and goals. Integrity and education remain the foundation of her lasting impact.

Peter Hewett, founder of Hewett Wealth, reflects on over 30 years in the financial planning industry. Starting in fiduciary services before moving into asset management and finally building his own advisory firm, Hewett Wealth has grown significantly, with branches in Johannesburg, Pretoria, and Cape Town. Peter emphasises the importance of client relationships, ongoing education, and the shift from commission-based to fee-based financial planning. He advocates for sustainable business practices, transparent fee structures, and integrating technology to navigate regulatory changes. His approach centers on delivering real value to clients through tailored, transparent advice, contributing to the industry's professionalisation.

Ryan McCaughey, a financial advisor at Hewett Wealth and 2021 Financial Planner of the Year, combines over 14 years of investment experience with a passion for people. Based in Cape Town, Ryan’s approach focuses on educating clients through each step of the financial planning process. His background in portfolio management and equity analysis equips him with deep market insights, which he uses to create tailored financial plans. Ryan emphasises the role of technology in scaling advisory practices and highlights the importance of building long-lasting relationships with clients, ensuring that they receive personalised, transparent financial advice for a secure future.

Janet Hugo, founder of Sterling Wealth, approaches financial planning with empathy and personalised care. Inspired by her family’s experience with poor financial advice, Janet was driven to offer bespoke solutions that focus on understanding each client’s unique needs. With a deep commitment to client well-being, she often goes beyond financial strategies, encouraging her clients to enjoy their wealth. Janet fosters close relationships, carefully navigating personal and financial dynamics, from family disputes to estate planning. Her client-centered approach, combined with her belief in using technology to enhance advisory services, has helped her establish a trusted and successful financial planning practice.

Craig Kiggen, Managing Director of Consolidated Wealth Group and past winner of the Financial Planner of the Year award, shares insights from his journey in financial planning and business leadership. Consolidated Wealth offers a comprehensive financial service that ensures clients' peace of mind and long-term security. Over the years, Craig's focus has expanded to mentoring junior planners and leading Consolidated through global growth and technological innovation. His philosophy emphasises balancing sustainable profits with fair client outcomes, fostering long-term relationships, and creating a collaborative environment that nurtures the next generation of financial planners.

Warren Ingram, co-founder of Galileo Capital and winner of the Financial Planner of the Year award, has dedicated his career to revolutionising financial advice by putting ethics and client-centered service at the forefront. Starting in 1996, Warren’s journey took him from corporate environments that prioritized profit over people to launching Galileo Capital, where he pioneered a fee-based, no-commission financial planning model. Through his leadership, Warren has helped countless clients achieve financial freedom by focusing on long-term strategies and building trust. He also advocates for professional certification and mentoring younger financial planners to ensure the continued growth of the profession.

In an engaging discussion with Tony, Rudolph Geldenhuys, Financial Planner of the Year 2024, shares his journey and insights into financial planning. At just 33, Rudolph emphasises the importance of balancing the technical and human sides of money management. His goal is to help clients align their financial decisions with their personal purpose. Rudolph also touches on overcoming personal insecurities, the value of community, and the vital role of technology and teamwork in supporting his passion for client interaction. His message to young financial planners? Find your "why" and connect deeply with clients to make lasting impacts.

Spiros Fatouros, CEO of Marsh Africa, unpacks the evolving landscape of cyber risk and insurance. Spiros discusses key insights from the Marsh McLennan and Zurich report, which highlights that 99% of economic loss from cyber incidents remains uninsured.

With cyberattacks becoming more frequent and costly, Spiros explains the importance of addressing this protection gap and outlines the growing interest in cyber insurance in South Africa.

He also emphasises the need for public-private partnerships to tackle systemic risks. Listen to the podcast to explore the future of cyber risk management in Africa and beyond.

Maria Makhabane, Chief Growth Officer at Discovery Health, shares her insights on expanding access to affordable healthcare in South Africa. In this interview, she explains Discovery Health's initiatives, such as FlexiCare, a prepaid healthcare product that provides essential medical services to underserved communities. Maria emphasises the importance of creating long-term healthcare solutions for those outside the traditional medical scheme environment, focusing on quality, affordability, and accessibility. She also discusses how these initiatives align with the broader national goal of universal healthcare, contributing to the ongoing development of the National Health Insurance (NHI) framework.

Nonhlanhla (Noni) Nxele, CFP®, founder of Esteemed Financial Solutions, has been a trailblazer in the financial services industry for over 16 years. Starting her career as a financial advisor at Liberty, she earned multiple awards before moving into investments and later returning to Liberty’s head office. In 2021, she achieved the prestigious CFP® designation, motivated by her passion for educating and empowering communities. Noni was recently honored with the It Starts With Me award, recognising her dedication to pro bono work and upholding high ethical standards. As a leader, she’s committed to inspiring the next generation of financial advisors.

The Allianz Cybersecurity Resilience Report 2024 highlights key trends in cyber risk, with ransomware continuing to dominate large claims over €1 million. Data breaches and class action suits are also on the rise, particularly in the U.S. and Europe. Allianz Cyber Specialist Santho Mohapeloa emphasises that cybercriminals are increasingly shifting from encryption-based ransomware to data theft, making breaches more costly for victims. Best practices for risk mitigation include employee training, multi-factor authentication (MFA), and comprehensive disaster recovery plans. The report serves as an essential tool for brokers and risk managers to stay informed and prepared for future cyber threats.

The insurance landscape for heavy commercial vehicles (HCV) and goods in transit (GRT) is rapidly evolving, driven by trends in risk management and technological advancements. Fleet owners are increasingly adopting strategies such as telematics and surveillance cameras to enhance safety and efficiency. This shift necessitates a more in-depth underwriting process, where insurers assess how well fleet owners manage their vehicles and drivers. Brokers play a vital role, bridging the gap between insurers and clients by educating them on risk mitigation options. As the industry grows, opportunities for brokers and fleet owners to innovate and improve safety are abundant.

Nondumiso Mabece, head of brand and Santam Insurance fills us in on Santam's brand refresh which centers on the powerful new slogan, “This is Freedom. Live in the moment, not in the worry," encouraging clients to embrace living in the moment, free from the worry of potential risks. While maintaining their well-known commitment to providing "Insurance good and proper," Santam shifts focus toward empowering customers by emphasising the freedom that insurance offers. With risk management at its core, Santam seeks to simplify insurance processes, save clients time, and help them secure their assets. This transformation speaks to a broader vision of enabling both individuals and businesses to thrive without the burden of constantly worrying about unexpected events.

In this engaging interview with the leadership team from Elevate, we explore how the company is revolutionising the insurance industry through data-driven solutions and technological innovation.

With insights from Judith Ndaba, Matan Abraham, and Zane Heyl, we discuss the challenges of integrating healthcare data, improving underwriting efficiency, and creating real-time pricing strategies.

The conversation highlights the team's commitment to continuous refinement and the importance of embedding their journey into the lives of both clients and advisors. Elevate’s vision is clear: to deliver seamless insurance experiences that benefit customers and streamline operational processes.

There is a lot of good information on the topic of marketing out there but it's not always focused on the insurance industry.

Having helped many small and large companies in the insurance industry with their brand building for more than 36 years, the COVER team decided that it would be helpful to create a podcast series that distills brand and digital marketing frameworks and concepts into actionable steps. The focus is on helping insurance professionals, from brokers through to advisers and SMEs across the financial services industry, drive growth in their business.

By blending our knowledge of Financial Services and marketing with our unique media approach and our insight into the South African and broader African markets, we make core marketing concepts understandable, actionable, and measurable to directly improve revenue and brand growth.

COVER's Growing Brands series will provide resources and regular conversations with marketing professionals, bringing you better practice examples that can move the needle on growth. Pair that with an annual 'Marketing playbook' that can help guide you for the year ahead.

Firedart Claims Team—Shelly-Ann Whittaker, Claims Manager; Tlotlego Teffo, Claims Specialist; and Kami Joas Marima, Claims Specialist shed light on the evolving landscape of engineering claims, the complexities involved, and how they stay ahead in an ever-changing industry.

Engineering claims have grown increasingly complex in recent years, driven by factors such as the slow recovery of the construction sector post-COVID-19 and financial strain on contractors. Disputes have risen, with coverage gaps and contested settlements adding to the challenge. Insurers must focus on both technical expertise and dispute resolution to manage these complexities effectively. Proactively understanding contractors’ challenges, combined with early intervention, is crucial in navigating the claims process. Leveraging technology, such as claims modules and predictive analytics, also offers opportunities to streamline claims management and ensure a smoother experience for all stakeholders involved.

Offshore investments are becoming an increasingly vital component of wealth management for South Africans. Rex Cowley, co-founder of Overseas Trust and Pensions, highlights the importance of understanding the different customer segments in this space, from South Africans working abroad to those seeking to protect and preserve their wealth. Proper tax planning, regulatory considerations, and the potential complexities of international laws are key. Cowley emphasizes that working with regulated financial advisors is crucial to navigating the nuances of cross-border wealth management and ensuring that assets are protected and efficiently managed across multiple jurisdictions.

In a conversation at the IISA conference, Colin Greenhill, CEO of SSP Worldwide, emphasised the evolving role of technology in insurance. He highlighted that SSP's goal is to make their technology "invisible" to customers, ensuring seamless and reliable service. Greenhill shared insights on the industry's shift from a technology-centric focus to prioritising customer experiences. He noted that while SSP supports innovation, the end goal is to empower insurers and brokers to deliver excellent customer service. This approach enables insurance providers to focus on their core mission of protecting and reassuring clients.

In this conversation with Judith Ndaba from Elevate, we explored how their innovative customer portal enhances life insurance by integrating wellbeing data. The portal collects and consolidates clients' medical, financial, and fitness information, providing a holistic view of their health. By offering up to 35% premium refunds based on data engagement, it encourages regular updates and proactive health management. Judith highlighted surprising trends, noting that older clients are highly engaged, leveraging the portal’s comprehensive integration of wearables and other health data to improve their wellbeing and manage their insurance risk more effectively.

In an insightful interview with Tony Van Niekerk from Cover Magazine, Vincent Gaudel of LexisNexis Risk Solutions discusses the increasing significance of sanctions in the global landscape. Gaudel highlights the continued impact of sanctions following the Ukraine war, with key findings from their 2023 report showing ongoing extensive use and frequent updates to sanctions lists. He also addresses the challenges international businesses face in complying with far-reaching U.S. sanctions and provides a detailed perspective on South Africa's grey listing and its implications for financial services firms. Gaudel emphasises the importance of robust compliance processes and risk assessments in navigating this complex environment.

In a recent conversation, Ayanda Seboni, Group Executive for Mutuality at PPS, shared her insights on effective leadership in today’s fast-paced world. She emphasised the importance of adaptability, authenticity, and empathy as key traits for successful leaders.

Seboni discussed how mutuals, like PPS, uniquely align client needs with business goals by eliminating conflicts between shareholders and clients. She also highlighted how advisors can benefit from adopting a client-centric approach, being flexible, and fostering trust through empathy.

Her insights offer valuable guidance for navigating leadership and client relationships in the modern landscape.

Tony from COVER Magazine interviews Pascal Siphugu, Managing Director at LandBank Insurance, at the AIE conference. Pascal highlights LandBank Insurance’s focus on agri-insurance, specifically crop insurance, and its social mandate to support both commercial and small-scale farmers. He details plans to develop affordable, bespoke solutions like index insurance to aid small-scale farmers, a need currently unmet in South Africa. Pascal also mentions efforts to improve distribution by training black brokers and collaborating with commodity bodies. The discussion touches on government support, partnerships with reinsurers, and the importance of learning from other African countries’ experiences.

At AIE 2024’s 50th conference, Tony from COVER spoke with Kershen Pillay from GIFS. Kershen discussed GIFS’s unique approach to upskilling through programs like the Youth Accelerator and IIG Academic Program, which aim to professionalise the industry by transforming unemployed youth into insurance professionals. He also highlighted the importance of community-based consumer education to reduce risks and improve claim management. Kershen emphasized that consumer education is legislated under TCF principles, and engaging community leaders could enhance outreach. Reflecting on the conference, Kershen appreciated the timely discussions on democracy and the role of the financial services sector in global economics.

At AIE 2024, Tony from COVER Magazine interviewed Gary Tessendorf, Sapiens' Country Manager for Africa. Gary reflected on Sapiens' remarkable growth over the past eight years, expanding to serve 600 insurance customers across Africa. He highlighted the increasing adoption of new technology within the insurance industry, driven by market pressures and advancements like AI. Gary emphasised the strong partnerships Sapiens has formed with customers, as well as the transfer of international knowledge to local markets. With their expanding presence in Africa, Gary expressed excitement about the future, noting that the possibilities with AI are just beginning.

Tony at COVER Magazine spoke with Gareth Beaver, CEO of Santam Specialist Insurance, at AIE 2024. During the conversation Gareth highlighted the value of networking at such events and the importance of Santam’s platinum sponsorship. He discussed Santam's strategy of consolidating specialist insurance brands under one umbrella, emphasising the efficiency and strength of a unified brand. Gareth also outlined the company's expansion goals, particularly in Africa and beyond, leveraging Santam’s strong reputation. The conversation underscored Santam's commitment to supporting brokers and adapting to a more professional and formalised regulatory environment across the insurance industry.

Tony from COVER Magazine caught up with Clinton Da Costa Brown of SSP at the insurance conference. Clinton highlighted the impressive conference atmosphere and discussed the current landscape of technology in Africa. He emphasised that while AI and automation are key trends, insurers often face pitfalls by focusing too early on technology without a clear strategic plan. Clinton stressed the importance of understanding core functionalities and the need for a solid vision before engaging with vendors. He also noted the challenges of working with providers whose ownership might change, affecting long-term stability. Clinton remains optimistic about Africa's evolving insurance market.

In an insightful conversation at AIE 2024, Cliff De Wit, CTO of Netstar, shared with Tony of COVER the expansive role Netstar plays beyond vehicle recovery. Cliff highlighted the company's focus on leveraging high-quality data from telematics to help insurers make informed decisions. He also discussed the integration of video-based data and AI to enhance risk management, allowing insurers to offer more personalised, competitive products. Cliff emphasised the transformative potential of AI, comparing it to historical innovations like electricity, and how it's set to revolutionise the way we interact with technology.

At the Insurance Institute conference at Sun City, Philani Mbatha, Executive Head of African Region at Mirabilis, discussed the company's extensive experience in engineering insurance across Africa. With over 15 years in the market, Mirabilis operates continent-wide, responding to infrastructure projects as they emerge. Mbatha highlighted the growing infrastructure needs in Africa, from roads to ports, and emphasized the importance of understanding local regulations. He advised reinsurance brokers to work with knowledgeable partners like Mirabilis to navigate the complexities of the African market, respect local rules, and contribute to the region's economic growth.

At a recent conference, Robert Attwell, CEO of Discovery Insure, discussed the evolving risk landscape, emphasising the need for insurers to adapt to "the era of the never normal." He highlighted the impacts of extreme weather and power stability on risk management. Attwell underscored the importance of working closely with advisors to understand client needs and maintain industry sustainability. He expressed optimism about South Africa's economic environment, noting improvements in inflation and political stability. The conference provided a valuable platform for industry professionals to discuss future trends and foster essential relationships.

At the AIE 2024, Donald Dinnie, Director at Norton Rose Fulbright, discussed the evolution of conflict resolution within the insurance industry. He highlighted the shift from primitive conflict handling to modern alternative dispute resolution (ADR) methods. The insurance sector has seen a significant increase in using mediation and arbitration, driven by the inefficiencies and delays in the court system. Dinnie emphasized the importance of proper documentation and early witness statements to ensure a smooth dispute resolution process. The introduction of new ombud rules has enhanced the industry's accountability, benefiting both insurers and insured parties.

At the AIE 2024 conference in Sun City, Dawn Miller, Chief Commercial Officer of Lloyd's, discussed the critical issues facing the insurance industry, particularly in South Africa. She highlighted the increasing relevance of climate change, pointing out that urbanization and shifting populations are exacerbating risks. Miller emphasised the importance of collaboration and innovation, especially in risk management and addressing new technologies. Lloyd's, through initiatives like the Lloyd’s Lab, is fostering a space for the insurance market to innovate and tackle complex risks, from cyber threats to climate-related incidents.

In a conversation at the IISA conference, Colin Greenhill, CEO of SSP Worldwide, emphasized the evolving role of technology in insurance. He highlighted that SSP's goal is to make their technology "invisible" to customers, ensuring seamless and reliable service. Greenhill shared insights on the industry's shift from a technology-centric focus to prioritizing customer experiences. He noted that while SSP supports innovation, the end goal is to empower insurers and brokers to deliver excellent customer service. This approach enables insurance providers to focus on their core mission of protecting and reassuring clients.

Tony from Cover Magazine interviews Betty Masemula, Managing Director at Workerslife. Workerslife, a wholly black-owned insurance company established in 1996, offers both life and non-life insurance products. The company serves core markets, including pop crew members, and is expanding to reach broader audiences. Betty highlights their innovative products, such as a life insurance plan that provides monthly income without medical underwriting. Workerslife uses a multi-channel distribution approach, including face-to-face, online, and call centers. They are attending the AIE 50th celebration to enhance brand visibility and seek collaborations. Betty emphasizes their mission to provide accessible insurance solutions.

Tony from Cover Magazine interviews Abbot Pfukwa, CEO of Octomate Education, at AIE 2024. Abbot explains that Octomate, founded in 2009, specialises in education, training, and skills development, focusing on the financial services industry.

They offer programs such as learnerships, internships, and regulatory exam preparation, and have developed the RE5 Made Easy app.

Octomate also provides CPD programs and e-learning options. The company extends its offerings beyond insurance and banking, including business analysis and compliance courses. At the conference, Abbot appreciates insights on leadership and collaboration shared by esteemed speakers.

A chat with Damien Goodrum, Business Analyst at My Glass

In a COVER Magazine interview, Tony discusses data sharing in the insurance industry with Sharon Patterson, CEO of Infinity Insurance, and Angus Black, Director at Barn Owl Data Solutions.

Sharon explains the regulatory and business imperatives for insurers to obtain daily data dumps and maintain full access to client information. She emphasizes that accurate data is crucial for managing claims, especially in weather-related catastrophes, and for regulatory compliance.

Angus outlines the technical complexities of receiving data in various formats from different broker systems and the importance of data standardization and cleansing. He shares that Barn Owl Data Solutions has developed relationships with numerous insurance management systems to streamline this process, ensuring high-quality data for reporting and analysis.

Both Sharon and Angus highlight the benefits of effective data management. For brokers, accurate data reporting provides insights into client claims history, rate benchmarking, and regional comparisons. These improvements help brokers serve their clients better and maintain competitive pricing.

They also discuss the challenges, such as load shedding, which can disrupt data collection, and the importance of ongoing technical innovation to mitigate these issues. Overall, the interview underscores the critical role of data in enhancing the efficiency and effectiveness of the insurance industry.

Cassim Hansa, a seasoned technical underwriter at Firedart Engineering Underwriters, highlighted the critical role of engineering insurance in Africa’s infrastructure development. He emphasised the dynamic nature of underwriting, where projects are often insured from the ground up. Collaboration is key, as no single insurer can manage the risks of large-scale projects alone. Hansa is particularly excited about opportunities in East Africa and Malawi, where ambitious projects like the Lake Malawi water initiative are poised to drive significant economic growth across the continent.

In an insightful conversation, Jason Lane Sellers, Director of Fraud and Identity at LexisNexis Risk Solutions, discusses the growing challenges of digital fraud in financial and retail e-commerce sectors with Tony from Cover Magazine. Highlighting findings from their latest report, Jason explains how digitization has increased fraud incidents, with 52% now originating from digital channels. He emphasizes the broader costs of fraud beyond financial losses, including customer dissatisfaction and regulatory penalties. Jason also touches on the evolving nature of fraud, particularly in the insurance industry, and suggests advanced solutions like behavioral intelligence to balance security and customer experience.

In an insightful interview, Alex Zukerman, Chief Strategy Officer at Sapiens, discusses the transformative role of AI in the insurance industry. He explains the evolution from traditional AI, which enhances data analysis and predictions, to generative AI, which understands human interactions and provides nuanced responses. Highlighting a strategic partnership with Microsoft, Zukerman underscores the potential of AI to revolutionize claims management, underwriting, and customer service, enhancing efficiency and accuracy. He emphasizes the importance of adaptable and innovative AI solutions, ensuring they meet current needs while being poised for future advancements.

In a conversation with Tony, Matan Abraham, CEO of Elevate Life, discusses the need for innovation in the life insurance industry, focusing on distribution and wellness rewards. Elevate Life aims to modernize archaic offerings, emphasizing comprehensive coverages and leveraging technology for streamlined onboarding. By integrating wellness data through the "Elevate me" application, they incentivize healthy behaviors, aligning insurer and client interests. Matan highlights the importance of intermediaries and how Elevate Life simplifies their role, enabling them to provide better service to clients. Elevate Life’s approach promises to revolutionize the industry, offering a fresh and efficient alternative to traditional life insurance.

In an insightful interview, Fergus Mc Namara, Managing Director at FDM Engineering UM, shares the journey of their 20-year-old company and the growth opportunities within the engineering insurance space

Highlighting the importance of focusing on this sector, Mc Namara points out the substantial potential for brokers, especially with government investments in infrastructure.

He notes a significant annual growth rate of around 15%, driven largely by smaller brokers serving SMEs.

Emphasizing the need for technical expertise and experience in underwriting, Mc Namara stresses the importance of collaboration between brokers and underwriters to navigate the complexities of engineering insurance.

In this discussion, Tony from Cover Magazine interviews Thokozile Mahlangu, CEO of IISA. Thokozile shares highlights from the first half of the year, including financial growth and the Youth Accelerator Program.

They discuss IISA’s renewal of its CII affiliation, emphasizing its importance for maintaining high professional standards.

The conversation concludes with an exciting preview of the upcoming 50th AIE Conference, which promises to be a landmark event for the insurance industry. Key topics include IISA's achievements, youth initiatives, global collaborations, and the much-anticipated AIE Conference.

In this discussion, Tony from Cover Magazine interviews Sheldon Friedericksen, General Manager of Group Benefits at FedGroup. They explore the challenges in the group benefits space, such as outdated benefit packages and the impact of the post-COVID cost of living crisis.

Sheldon emphasizes the need for practical steps to enhance retirement preparedness, including building trust, simplifying financial products, and supporting financial literacy.

They discuss leveraging technology and innovative approaches to provide personalized financial advice and ensure financial security in retirement.

The conversation highlights the importance of adapting group benefits to meet the evolving needs of a global and mobile workforce.

In this insightful interview, Tony from Cover Magazine speaks with Louis van Vuren, CEO of the Fiduciary Institute of South Africa (FISA). They delve into the intricacies of powers of attorney within South African law, distinguishing between general and specific types.

Louis explains the limitations of the enduring power of attorney in South Africa and discusses alternative legal measures for managing the affairs of individuals who lose mental capacity.

The conversation also highlights proactive steps, like setting up trusts, to safeguard financial interests against future incapacity. This discussion is essential for anyone seeking to understand fiduciary responsibilities and legal protections in South Africa.

In this enlightening interview, Paul Counihan, Chief Wealth Advisor at Fedgroup, delves into the intricacies of generational wealth and its significance in financial planning.

Counihan defines generational wealth as the passing on of wealth from one generation to another, emphasizing its role in providing future generations with the flexibility to pursue their aspirations without financial constraints.

He discusses various assets, including businesses, education, real estate, and investments, as vehicles for building generational wealth. Counihan highlights the importance of proactive planning and professional advice in preserving wealth across generations. Additionally, he sheds light on fixed endowments as a strategic tool for securing and transferring wealth to future heirs.

Throughout the conversation, Counihan underscores the necessity for families to prioritize generational wealth planning, irrespective of their socioeconomic status, and emphasizes the pivotal role of financial advisors in guiding clients through this intricate process.

In an insightful interview with Cover Magazine’s Tony, Dane Richards, CEO of JMR, delves into the concept of business agility, particularly within the insurance industry.

Richards emphasizes the importance of adapting quickly to ever-changing environments by leveraging comprehensive data insights. He discusses how agility involves making rapid decisions based on accurate information, crucial for both traditional and innovative insurance models.

Richards also highlights the significance of regulatory compliance and data management in achieving agility.

Tristan Marot, an associate at Norton Rose Fulbright, delves into the intersection of technological innovation and regulatory compliance.

Tristan shares insights into the increasing demand for legal advice in the FinTech and InsurTech sectors, particularly regarding artificial intelligence solutions and automated decision making.

He discusses the challenges of keeping up with rapid technological advancements and emphasizes the importance of a holistic approach to regulation that understands underlying technologies.

The conversation highlights the need for open communication channels with regulators and the significance of fostering innovation while protecting consumers.

Leslie Muthen, Territory Head for Africa at SSP, discusses the critical role of agility in the insurance industry. Highlighting the rapid pace of technological advancements and shifting market demands, Muthen emphasizes the need for insurers to adapt swiftly.

SSP’s approach includes continuous innovation, customer-focused solutions, and a culture of responsiveness. Muthen outlines how embracing agile technologies can enhance operations, improve customer experiences, and maintain competitiveness.

With insights on future challenges and opportunities, Muthen underscores the importance of agility in navigating the evolving landscape of the insurance sector.

In an insightful interview, Paul Donnelly from Fineos discusses the challenges insurers face with legacy systems and the imperative for agility in the ever-evolving tech landscape.

He emphasizes the need for a strategic approach to system replacement, advocating for modular solutions that enable phased transitions. Donnelly highlights the importance of aligning long-term vision with short-term pressures, underscoring the role of C-suite leadership in guiding organizational strategy.

Additionally, he explores the role of technology providers in offering both independent advice and adaptable solutions to drive innovation in the insurance sector.

In the interview, Arthur Kamp discusses the utilization of the GFECRA account, emphasizing the importance of balancing liabilities and assets. He scrutinizes the impact of budgetary decisions on the state's balance sheet, cautioning against weakening it further.

Kamp highlights concerns over increased consumption spending and reduced capital investment, stressing the need for economic growth to alleviate fiscal pressures. He acknowledges the Treasury's efforts but underscores the imperative of implementing economic reforms to sustain long-term stability.

Kamp also addresses the significance of foreign investment and legislative reforms in stimulating economic development, emphasizing the need for practical implementation.

In an insightful interview with COVER magazine, key members of the My Glass team discuss the decentralized fitment centres revolutionizing the industry. Pieter Lindeque from Pretoria, Muhammed Moosa from Lenasia, and Raulisa Kutuma from Boksburg share their entrepreneurial journeys.

They highlight the unique aspect of operating within a larger framework while maintaining autonomy. My Glass's technological advancements streamline operations, enhancing efficiency and customer service.

Despite economic challenges, the interviewees express optimism, attributing their success to strategic partnerships and a growing client base.

In a revealing interview with Gary Stieger, CEO of My Glass, the importance of automotive glass in vehicle safety and insurance is underscored.

Stieger emphasizes the criticality of quality windscreen fitment alongside accredited glass brands to meet international safety standards. With a rigorous standard operating procedure, My Glass ensures consistent excellence in their products and services.

Stieger highlights the role of brokers in guaranteeing proper fitment, backed by comprehensive SLAs and auditing processes.

In a dynamic interview with Jonel Matthee-Ferreira from Cogence, the CEO sheds light on the challenges faced by financial advisors in today's market.

She highlights the overwhelming administrative burden and the necessity for advisors to shift focus towards providing comprehensive advice.

Cogence steps in as a solution, offering collaboration intelligence by partnering with industry giants like BlackRock and RisCura. Their platform enables seamless client onboarding and paperless processes, while also providing personalized investment solutions.

Through a strategic blend of technology and expertise, Cogence aims to empower advisors and enhance client outcomes in an ever-evolving financial landscape.

In a revealing interview, Tony of COVER engages with Tania Joffe, CEO of UNU Health, probing the intricate landscape of healthcare funding and delivery in South Africa.

Tania sheds light on the stark disparities between private and government-funded healthcare sectors, emphasizing the need for patient empowerment and innovative solutions.

UNU Health's mission emerges as a beacon of hope, leveraging technology to democratize access to quality healthcare. With a focus on affordability and convenience, UNU Health's initiatives, including a pay-as-you-go healthcare service, aim to bridge the gap for millions unable to afford traditional medical aid.

Marcia Le Roux, Business Relations and Marketing Manager for Africa at SSP, discusses the evolving relationship between technology and human touch in the insurance industry.

She emphasizes the importance of maintaining empathy and communication despite the increasing digitalization of processes. Marcia highlights the need for a balance between technological advancements and personalized customer experiences, stressing that the human element remains essential in sensitive situations.

Marcia sheds light on strategies for bridging the gap between technology-driven efficiency and the human connection necessary for fostering trust and satisfaction among customers.

In the interview, Tony from Cover Magazine speaks with Alan Levy, the founder of News GPT, about the revolutionary impact of AI in journalism.

Alan explains the concept behind News GPT, the world's first live 24/7 AI news station. He delves into the intricacies of artificial intelligence, emphasizing its ability to mimic human intelligence and generate unbiased news content.

Alan highlights the challenges of bias in news reporting and the role of AI in mitigating it. He envisions a future where AI complements human journalists, providing a more comprehensive and unbiased view of global events.

Christelle Colman, CEO of AMI, and Nic Esterhuysen, co-founder of insdi, discuss the transformative power of digital documentation in the insurance industry.

Christelle reveals how AMI's proactive approach addresses brokers' challenges, enhancing client experiences with prepopulated forms. Nic highlights insdi's role in streamlining processes, enabling rapid adaptation and client engagement.

They emphasize the significance of cost-effective, accessible digital solutions, revolutionizing insurance practices industry-wide.

Kenny Rabson, CEO of Discovery Invest, discusses the company's strategy of outsourcing asset management while providing clients with investment products. He highlights partnerships with firms like 91 and BlackRock, emphasizing their expertise and global reach.

Rabson underscores Discovery's focus on encouraging responsible investing behaviors, leading to long-term financial security for clients. He reflects on the challenges posed by evolving market dynamics, such as inflation and geopolitical shifts.

Rabson emphasizes the importance of consistency in asset management performance and the role of financial advisors in guiding clients through complex investment environments.

The interview with Martiens Barnard and Franzo Friedrich from Momentum Investments delves into the complexities of retirement planning and the variety of products available. They discuss the popularity of retirement annuities, tax-free savings, and pension funds, emphasizing the need for personalized financial advice. The conversation also explores the shift towards guaranteed income products and the innovative combination of traditional and flexible solutions. The role of technology in aiding advisors and educating clients is highlighted, showcasing how digital tools can simplify complex concepts. Ultimately, the interview offers insights into evolving retirement products and the importance of informed decision-making.

Discover how Liberty's Lifestyle Protector (LP20) revolutionizes insurance solutions with its adaptability and tailored approach. In an interview with seasoned financial advisors Heleshia Wales and Subash Chatrooghoon, delve into LP20's versatility, navigating complexity with simplicity, and real-life success stories showcasing its impact. Learn how LP20 prioritizes client needs, adapts to changing circumstances, and contributes to long-term client retention. Explore the holistic approach to financial planning and the role LP20 plays in providing comprehensive coverage that evolves with clients' lives.

In an exclusive interview, Riaan van Dyk, Chief Executive Officer of Sanlam Fintech discusses Sanlam's groundbreaking Fintech Cluster, poised to revolutionize financial inclusion across Africa. He reveals how the cluster aligns with Sanlam's forward-thinking strategy, leveraging digital innovation to future-proof the business. Riaan emphasizes the importance of democratizing financial advice and highlights the cluster's dual mandate: building a future business model while safeguarding the traditional one. With insights into partnerships with industry giants like MTN and the potential of digital payments, Riaan offers a glimpse into Sanlam's bold vision for the future of finance.

In this interview, Tony of COVER engages Tumelo Moea, a Metropolitan Regional Manager, to discuss the financial implications of retirement for professional athletes, focusing specifically on Springbok rugby players. Moea highlights the short career span of athletes, typically ending between 27 and 32 years old, and the need for early retirement planning. He emphasizes the importance of saving for retirement as early as possible and offers insights into retirement annuities and other financial products tailored to athletes. The interview underscores the significance of seeking financial advice early in one's sports career to ensure a comfortable retirement transition.

In this insightful interview, Paul Henderson, Head Client Delivery at migrateFINIUM, unveils the genesis and significance of migrateFINIUM, a solution designed to tackle the challenges organizations encounter with legacy systems and data quality issues.

Paul emphasizes the role of migrateFINIUM in centralizing and transforming data, showcasing its integration with various systems. He highlights the critical balance between technology, processes, and people in ensuring successful data migrations.

Furthermore, Paul sheds light on the key risks associated with data migration, emphasizing data quality and compliance concerns. His expertise provides a comprehensive understanding of how migrateFINIUM not only addresses these challenges but also leverages migration as an opportunity to enhance data quality for future use.

Muzi Dladla, Executive for Stakeholder Management at Sasria, sheds light on the evolving role of stakeholders in insurance. He emphasizes the criticality of brokers in providing holistic risk management services.

Reflecting on the 2021 riots in South Africa, Dladla discusses Sasria's response and lessons learned. He underscores the importance of scenario planning and understanding the psychology of protests.

Dladla also highlights Sasria's role in influencing crisis management and policing strategies, emphasizing the need for data-driven approaches.

Grant Cross, director of Motor Acceptances, discusses the company's journey since its establishment in 2000, highlighting its growth and success in the motor fleet industry.

He reflects on the persistent challenges faced in fleet insurance, particularly regarding theft/hijacks of vehicles.

Grant emphasizes the importance of collaborative risk management efforts between Motor Acceptances, brokers, and clients to address these challenges effectively.

Jonny Bell, Director of Financial Crown Compliance and Payments at LexisNexis Risk Solutions, delves into the challenges and trends in financial crime compliance.

Bell highlights the growing complexity and cost of compliance, driven by geopolitical events and evolving regulations. He emphasized the importance of balancing regulatory obligations with delivering seamless customer experiences.

The interview underscored the necessity for financial institutions to adapt to a rapidly changing global environment while maintaining compliance standards and enhancing customer satisfaction.

In this insightful interview with Cover Magazine, P.UMA executives Cameron Clark, Chanelle Fischer, and Mitchell Cousins shed light on the dynamic landscape of pet insurance. From its historical evolution to the challenges of designing tailored coverage for diverse pet breeds, the discussion delves into key industry nuances. The role of brokers emerges as pivotal in educating consumers and driving sales, emphasizing the importance of informed decision-making. With a focus on collaboration and innovation, P.UMA demonstrates its commitment to empowering brokers and expanding the reach of pet insurance, both domestically and internationally.

Join Tony from Cover Magazine in an exclusive interview with the team behind P.UMA (Puma Pet UMA), the innovative pet insurance provider. Tony speaks with Cameron, Chanelle, and Mitchell, delving into P.UMA's establishment in 2012, their unique approach to designing insurance products, and their focus on high-cost unforeseeable events. Learn how P.UMA's collaborative philosophy with insurers ensures comprehensive coverage for pets, backed by scientific underwriting and data-driven decision-making. Explore their dedication to customer experience, quick claims processing, and the crucial role of brokers in the pet insurance industry.

In this insightful interview, Vis Govender, Co-founder of Everything.Insure and Group CEO of FirstEquity Group, shares the evolution and purpose behind Everything.Insure within the context of the digital transformation in the insurance industry.

The interview with Tobie van Heerden, CEO of 10x Investments, sheds light on South Africa's retirement crisis. He highlights a stark reality: only 6% of retirees can maintain their quality of life post-retirement.

Explore the intricate web of global risks unfolding over the next decade in this compelling interview with Spiros Fatouros, CEO of Marsh McLennan, South Africa.

Tony van Niekerk of COVER engages in a captivating dialogue with Mike Mgodeli, the Managing Director at RTUSA, exploring the nuances of the taxi and e-hailing insurance realm.

Renasa's Head of Motor and Non-Motor Claims, Francis Nyaungwa, shares insights into the transformative impact of the TIH deal on their motor insurance processes.

Austin Mpandawana, Manager of Specialist Classes at Renasa Insurance Company, sheds light on the Inception Value Policy (IVP), a crucial component of specialized insurance.

In an engaging interview, Munya Shumba, a Financial Advisor at Discovery, shares valuable insights with Tony about safeguarding high-value purchases through innovative insurance solutions.

Mumtaz Moola, My Glass Director, discusses the small business empowerment model that propelled My Glass into success, focusing on transforming and empowering entrepreneurs in the glass industry.

Explore the dynamic investment landscape of 2024 in an insightful interview with Reza Hendrickse, Portfolio Manager at PPS Investments

In an insightful discussion with Soul Abraham, Chief Executive for Retail Insurance at Old Mutual Insure, we delved into the pressing issue of the rise in insurance fraud and the challenges it poses for the industry.

The conversation revolved around the definition of insurance fraud, the reasons behind its surge, its impact on the insurance industry, and the strategies employed to counteract this growing threat.

Insurance #InsuranceFraud #KnowledgeShared

Carina Thompson, Manager Complex Claims. MUA provide some tips that brokers can share with their clients to manage their risk over this period.

Sustainability in the financial advisor space depends on adaptability and embracing new models, says Barry Shrosbree, Senior Manager at 1Life Insurance Direct Sales.

A recent roadshow targeted independent financial advisors, highlighting technology's role in bridging the protection gap and fostering growth.

As the holiday season nears, Carina Thompson, Manager Complex Claims at MUA, shares insights on managing risks. Vigilance is crucial amid increased criminal activity. She provide some tips that brokers can share with their clients to manage their risk at home and on the road for a safer festive season.

In this interview, Tony from Cover Magazine speaks with Zahed Rassool, the CTO of My Glass, delving into the technology and processes that power the company. My Glass, a glass repair and replacement service, has leveraged technology to streamline its operations, from claim submission to client installation. They've developed an in-house solution that not only manages claims efficiently but also focuses on security and fraud prevention.

In this interview Zahed highlights how My Glass has eliminated paperwork entirely by digitizing their processes. Mobile devices are used for pre-inspections, ensuring the correct stock and materials are on hand for installations. He emphasizes the importance of understanding diverse stakeholder needs and running a user-centric approach. Zahed explains how they iteratively develop and release updates to adapt to the ever-changing industry landscape.

The interview also touches on the challenge of training diverse users, with My Glass prioritizing intuitive design and continuous communication to guide users effectively.

In this interview with Marike Van Niekerk, Manager at MUA Insurance, the focus was on the strategic advantages of specializing in the high-net-worth demographic. Historically recognized for specialist motor insurance, MUA has adapted to market shifts while maintaining a niche focus. Specializing allows MUA to tailor products, ensuring client satisfaction and loyalty. Marike highlights the benefits of niche markets, including addressing specific audience preferences and reduced competition. This approach extends to brokers, enhancing resource allocation and customer relationships. In a high-net-worth market, MUA leverages historical knowledge for accurate underwriting, demonstrating the power of specialization in building strong client relationships, fostering innovation, and thriving in competitive markets despite economic challenges.

Kashmira Naran, Insurance Partner at KPMG and co-editor of the 2023 Insurance Survey, gives a look into the dynamic changes shaping the South African insurance landscape with insights from the 2023 KPMG Insurance Survey.

As economic pressures and geopolitical uncertainties impact the industry, learn how insurers are resiliently adapting. The survey's central theme, "the power of human," highlights the industry's shift toward customer-centricity. Discover key challenges, including economic pressures, natural catastrophe events, and political uncertainties, and explore opportunities driven by technology and ESG initiatives. From embracing generative AI to transitioning from risk transfer to risk management through IoT technology, South African insurers are innovating. Despite fierce competition, the sector remains crucial to the country's economy, prioritizing relationships and customer-centric approaches for long-term success amidst a rapidly evolving landscape.

Lawrence Nazare, CEO of Continental Re, discusses the profound impact of climate change on the insurance and reinsurance sectors. Urges collaboration, proactive risk management, and evolving insurance models to navigate climate challenges.

In a recent interview, Marike Van Niekerk, Manager at MUA Insurance, highlights the pivotal role of client communication and education in fostering sustainability and affordability within the insurance industry. Emphasizing the importance of clear and transparent communication, Marike stresses its significance in meeting client expectations, managing risks, and enhancing the overall insurance ecosystem. The interview underscores the challenges posed by knowledge gaps among clients regarding risks and insurance products and the crucial role education plays in addressing these gaps. Marike also discusses how behavioral change, influenced by client education, can positively impact insurance premiums. Brokers, acting as intermediaries, play a vital role in effective communication, ensuring clients understand their rights and options. From a marketing perspective, Marike notes that effective client communication is not only a legal requirement but also a powerful tool for capturing audience attention and building brand loyalty, ultimately benefiting the entire insurance ecosystem.

Farzana Botha, Segment Solutions Manager at Sanlam, emphasizes the pivotal role of financial advisors in coaching clients through economic challenges.

In a discussion with Kali Bagary, the CEO of The Data Company, we delved into the ever-evolving world of data management and its pivotal role in modern business.

They discuss the large scale attendance of this years event ,the Mauritius insurance market, the need for and value of insurance events such as the annual OESAI conference, as well as EllGeo Re’s expansion into Kenya

Marees Bostander, Head: Brand Strategy and Sponsorships at Liberty Group, talks about Liberty Learn and their quest to make learners more successful in Maths, Science and English.

Renasa, after the successful acquisition by TIH Insurance Group, announces an exciting leadership change, ushering in the next phase of its long-term strategy to grow the intermediated insurance market.

For insurance, financial advisory, and risk management professionals in search of the most comprehensive news, research, and skills development platform, be sure to visit our website: https://cover.co.za/

KnowledgeShared #Insurance #GrowYourCareer #LevelUpYourProfession

Explaining the drivers behind an increase in co-insurance in the market.

In a series of five conversation between Tony and Tavio Roxo, CEO of Owls Software. TechFest 2023 kicked off with an overview of these fundamentals as the basis for an insurance digitisation journey. We now explore each in more detail.

Tony and Dane Richards, CEO of JMR Software, discusses the 2023 TechFest.

Unpacking the fundamentals of insurance in relation to technology Episode 1 in a series of five conversations between Tony and Tavio Roxo, CEO of OWLS™ Software discussing the Insurance digitisation journey.

Insurance #Technology #KnowledgeShared #DigitisationJourney

Dan Hugo, CEO, PSG Distribution shares his thoughts on the future of the broker in light of current socio-political and economic challenges we face.

Leo Holesgrove, Guidewire's Southern Africa representative shares his approach to find the best approach.

Tony chats to Fabiana Fedeli · Chief Investment Officer, Equities and Multi Asset at M&G Investments

COVER talks to Price Forbes CEO, Andre Brooks about their commitment to the Africa COVERed initiative that COVER and the IIWC will embark on later this year.

Price Forbes have come onboard as a Gold sponsor.

School of Financial Services tackles much needed skills gaps. I speak to David Venter, the Head of School: Strategy, Operations and Student Experience.

Wayne Toms, CEO of Ghostdraft

Tony Van Niekerk asked Craig Olivier and André Symes, Co CEOs of Genasys Technologies how they manage navigating these challenging.

Renasa intends doing just that after the TIH deal. This will be a big boost for the intermediary segment. A big boost for the intermediated insurance segment

Market Planning Manager, Fraud & Identity at LexisNexis Risk Solutions

Tony chats to Wayne Toms, CEO, GhostDraft

Stuck for ideas? Fantastic business opportunities for brokers in the vibrant film and events industry. A podcast series with

Denise Hattingh, Managing Director and Iola Edmayer, Executive Director at KEU.

Stuck for ideas? Fantastic business opportunities for brokers in the vibrant film and events industry. A podcast series with

Denise Hattingh, Managing Director and Iola Edmayer, Executive Director at KEU.

Jurie Erwee talks to us about their 40 years in business, the amazing success of the partnership model in 30 countries and his excitement for the future of broking.

David Hurford, CEO, Fairheads Benefit Services unpacks the differences between umbrella trust and free-standing trusts.

Xolani Ngxanga: Guardrisk

Finding the forgotten graduate.

Speed To Market refers to the business priority of accelerating the opening of new growth channels – new products, markets, ways to access those markets – and reducing the red tape to unleash this growth.

Wayne Toms, CEO of Ghostdraft, talks to us about why Speed to Market is getting so much attention, the challenges faced by insurers today and how we can improve speed to market.

Tech #Insurance #GhostDraft #CCM

Kevin Dixon Managing Director, Distribution at The Unlimited and Sean Wright Head of Distribution (Sales) at The Unlimited to discuss insurance distribution, inclusivity, barriers to growing the emerging market uptake of insurance as well as The Unlimited's specific distribution models.

Tony talks to Lettie-Basani Phume: Group human capital executive, Momentum Metropolitan Holdings

Tony caught up with Christelle Colman, CEO of AMI Underwriting Managers, at the #AIE2022 Conference.

Tony caught up with Ryan Engel, Senior Business Development manager, at the #AIE2022 Conference. They talk tech in Financial Services, specifically integrations and Host-To-Host banking.

Tony caught up with Martin Greenberg, Reinsurance Product Manager, Sapiens, at the #AIE2022 conference. They discuss how Reinsurance technology can assist with claims leakage

Tony caught up with Gary Tessendorf, Regional Director of Sapiens at the #AIE2022 Conference

We have another great session of "Talking Tech with Tavio and Tony", the four T's.

In this months session Tavio Roxo, the CEO of OWLS Software and Tony van Niekerk, Editor of COVER Publication, take a look at extracting real value from your data.

CEO of medical scheme Profmed, Craig Comrie explains how skills shortages in the healthcare environment are impacting healthcare cost and medical aid premiums.

Tony van Niekerk Editor of Cover Magazine interviews Chief Marketing Officer at Momentum Corporate, Qhawekazi Mdikane around their new website to demystify the complex and technical world of Employee Benefits .

Lizl Budhram, Head of Advice, Old Mutual, shares some practical steps for advisers to get their clients closer to retirement success.

Listen to Lizl Budhram, Head of Advice at Old Mutual Personal Finance.

Herman Scheepers the General Manager for Risk and Technology at Renasa takes us through the role technology has played in the broker environment over the past two years and expands on the lasting benefits of the technology evolution.

With the fourth wave of COVID Still hanging over us, we spent some time with Jonathan Rosenberg, the CEO of Renasa Insurance, looking back at 2021 with its economic challenges and social unrest, and asked him for his perspectives and his thoughts for the future.

Traditionally, UMAs are specialists in one area. However CIB seem to have broken the mould by doing business across broad lines, a couple of specialist lines as well as general lines.

We caught up with Jon-Jon Smit, Executive Head Sales and Marketing at CIB and take a look back at the amazing history of CIB. From broker to administrator to one of the largest underwriting managers in the country.

David Chow, IIWC President shares highlights from the IIWC journey through lockdown and their strategy to add value to their members and the industry over the next 12 months.

Inspirational Speaker | Unique Mental Health Engagement speaking on the topic: " Lived Experience of Mental Health

Tony Van Niekerk spoke to Mark Barrow, National Marketing Manager: Mirabilis. Mark tells Tony about the newly launched Mirabilis Online platform, and shares some insight around the last 18 months and how Mirabilis managed to weather the storm.

A big question nowadays, with technology being such a major driver of our industry, is whether you put the big bucks in and build a new system, or whether you just modernise what you’ve got. Gary Tessendorf, Regional Director at Sapiens Sub Saharan Africa answers this question, and more in an interview with Tony Van Niekerk.

COVER chatted with Kobus van Niekerk, senior underwriter at Consort Technical underwriting to get an overview of Consort Technical Underwriters and to find out where it fits into the Short Term environment.

Engineering and construction insurance is very much a specialist insurance product which Consort has a strong focus on. Kobus fills us in on this specialised field and tells us about the future opportunities regarding renewable energy and the challenges.

CONSORT TECHNICAL UNDERWRITING MANAGERS (PTY) LTD (REG NO 1999/003909/07) IS AN AUTHORISED FINANCIAL SERVICES PROVIDER (FSP NO 2273), IS FAIS COMPLAINT AND IS UNDERWRITTEN BY LOMBARD INSURANCE COMPANY LIMITED, AN AUTHORISED FINANCIAL SERVICES PROVIDER (FSP 1596) AND INSURER CONDUCTING NON-LIFE INSURANCE BUSINESS.

We speak to Jay Naidoo, Head of Agency Franchise at Old Mutual South Africa.

In the run up to our Insurtech 21 conference, taking place 27 & 28 July, we speak Tavio Roxo of Owls Software.

COVER spoke to Javesh Ramcharan, Senior Underwriter – D&O/Crime/FI at AIG South Africa.

COVER speaks with Gail Carver, Director at Commercial Crime Concepts, about the trends in commercial crime that she has seen over the last few years.

Tony van Niekerk, Editor-in-chief: COVER and James Ingram, Senior Director at Moody’s Analytics discuss IFRS 17. The current adoption in Africa, readiness of insurers in the region, and challenges faced with the implementation. This is a must-listen podcast if you are yet to embark on the IFRS 17 journey.

From a data perspective, now more than ever, the impacts of Artificial Intelligence (AI) and machine learning are prevalent and have completely changed the way the insurance eco-systems operate. For the first time, you’re able to control and automate different functions across the ownership journey in a centralised way without running the risk of human error across the value chain. We recently caught up with Tavio Roxo of Owls Software and asked him to tell us how he sees this new technology eco-system and how the different players, the reinsurer the underwriter and the broker, can start taking advantage of these new developments. Read the article below to find out what he had to say.

Bertie Nel, Head of Financial Planning and Advice at Momentum Distribution shares some positive thoughts on the 2021 Budget.

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John Kamau, Corporate Accounts Manager; Africa at SSP , gives us an update on the technology landscape across Africa.

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Kali Bagary, Founder/CEO The Data Company talks about the untapped data opportunities in the intermediary space

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In conversation with Doug Laburn, talking about advice, partnerships and specialist classes.

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Florbela Yates, head of Momentum Investment Consulting talks about being agile enough to embrace the unknown and try new things. Uplifting conversation.

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Martin Pieterse, MD Ellipsys Consulting explains what is driving changes to "work from home" policies.

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Satrix Chief Investment Officer, Kingsley Williams shares key insights on the 2021 investment landscape.

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COVER recently caught up with Jane March, Managing Director, placements at Marsh Africa. We chatted to Jane about Marsh's recently win at the iTOO Expert Broker of the Year Awards.

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Social Media is a great tool in the right hands. Richard Hood, Director at APIO Broking explains.

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I speak to Tony Webster, Division Head at AON about winning the iTOO Business at the Top, Party at the Bottom Award

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Econorisk is the iToo Expert Brokerage of the Year. COVER spoke to Matthew van den Heuvel about the award.

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The IOT and data. Hemant Harie of Gabsten Technologies talks to us about the risks.

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Barry Scott - Managing Director, Fulcrum Collections talks to us about Fulcrum AirCollect™ their innovative premium collections solutions. Truly revolutionary.

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Cameron Cupido, CEO, Reinsurance Solutions Intermediary Services, talks about the complexities in reinsurance renewal negotiations and the value of professional reinsurance intermediary services on the back of a difficult 2020.

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Deon Lategan, Fedhealth Fund Manager, talks to us about their innovative new option regarding medical aid savings and assisting clients who want to manage their contributions personally?

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Jocelyn Manda, Fiduciary Specialist at PPS shares some thoughts on the upcoming Wills Week and opportunities for IFA's from that.

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Nersan Naidoo, CEO, Sanlam Investments takes us through the value of Sustainable Investment for greater society and how we can achieve sustainable investment goals.

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AI-driven car, home and contents insurance provider, Naked, has announced that it has paid around R250,000 in cash to six South African non-profit organisations (NPOs) under the Naked Difference programme. Sumarie Greybe, co-founder of Naked, speaks to Tony about it.

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Jackie Palframan, CFP, Senior Lecturer Business Management at Nelson Mandela University chats to me about Professionalism in the Financial Planning Industry and the role of formal qualifications.

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Almo Lubowski, well known financial planner, financial advice “activist” and advisor coach gives us a heads up on his upcoming FPI Virtual Convention talk.

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Warren Ingram, Executive Director at Galileo Capital and salted financial professional, gives a heads up on his upcoming presentation at the FPI Virtual Convention

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Financial advice during lockdown and the future. Schalk Malan, CEO of Brightrock shares their experience and outlook.

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Lee Callakoppen, Bonitas Medical Fund Principal Officer, discuss their low contribution increases.

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Ricardo Coetzee, Head of Auto & General Insurance tells us about their innovative approach to keep themselves accountable to broker service delivery. A fine for not performing.

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Robyn Clay, Chief Relationship Officer at Linktank discusses the exciting world of financial advisor technology and how to make the shift for a practice.

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Neo Masigo, Chief Creative Officer for the M&C Saatchi Group South Africa and Pride Maunatlala, director at SheSays Cape Town discusses fascinating results from the recently launched SheSays Gender Representation Survey.

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Dan Hugo, Chief Executive Distribution at PSG Konsult takes us through the challenges facing wealth managers at the moment and sets out what it takes to be a professional wealth advisor?

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Hemant Harie, MD at Gabsten Technologies, chats about the interdependencies between digital, cloud and security and how all these techs work hand-in-hand to ensure effective operations in the current environment.

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In a fascinating discussion, Mike Townsend, Fund Manager at Foord Fund Managers, explains the massive impact oil and gas have on investors.

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Technology and the IFA. Kobus Wentzel, Executive Head, Sales and Distribution at 1Life talks about their experience during the lockdown.

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Caitlin Japhet, Innovation & Bus Dev Manager At Lombard Partner discusses broker opportunities with their newly launch Lombard Connect training initiative.

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Cover spoke to Jason Bernic, Executive Life Coach in the financial planning and wealth management space about prospecting and the free webinars he has launched.

Free Insane Prospecting Webinar: https://www.successcoaching.co.za/insane-prospecting

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Andre' Symes, CGO of Genasys UK unpacks Software as a Service (SaaS) and reflects on the digitisation energy generated by COVID-19.

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Software as a Service allows smaller business to punch above their weight. Tony talks to Andrè Symes, (Genasys) and Ed Halsey, UK based Insurtech Consultant, about the pros and cons.

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Graham Charlton, Financial Director, Consort Technical Underwriters and Doug Laburn, Head of Lombard Partnerships, share the thinking behind Lombard's new Intermediary Management Solutions platform.

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Hayley Brown, PPS Investments discusses their newly created Family Benefits opportunities.

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Training in the legal space with comic books? Yes, Norton Rose Fulbright just made it possible. Donald Dinnie reveals all.

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Laurence Hillman, CEO of 1Life takes us through their innovative tech development that provides benefits while you sleep.

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Effective Customer engagement is essential at the moment. Antonia Oakes, Head of Old Mutual Insure Customer Experience shares some thoughts.

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Tavio Roxo shares interesting insights around technology and the ways disruption is speeding up.

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We’ve reached the final installment of our mini insurance podcast series in partnership with life insurer FMI.

In this 5th Episode in the series we discuss Life insurance & get some advice & tips from FMI.

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Hannes van den Berg, Chief Executive Officer of Momentum Consult lists a few steps financial advisers should take with clients based on current challenges

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Andrew Ratcliffe, CEO of Private Client Holding chats about being recognized as a top 100 global wealth manager and provides some insight into what it takes to be a professional wealth manager.

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COVER will, over a number of episodes, be chatting about certain aspects of Life Insurance as part of a Life Insurance Podcast series in partnership with FMI.

In this fourth Episode in the series we will be talking about how non-disclosure can lead to insurance fraud & unpaid claims. Music By: https://www.bensound.com/

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Schalk Malan, CEO of Brightrock shares insights on Income Protection Insurance, where it fits into a client portfolio and when it should take priority.

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COVER will, over a number of episodes, be chatting about certain aspects of Life Insurance as part of a Life Insurance Podcast series in partnership with FMI.

In this third Episode in the series we will be talking about the different life stages and how your insurance needs change as you move through life and as your responsibilities and priorities change. Music By: https://www.bensound.com/

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Ayanda Mazwi, Senior Assistant Ombudsman at OSTI gives us insight into what are the main short-term insurance challenges that consumers face during lockdown.

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COVER will, over a number of episodes, be chatting about certain aspects of Life Insurance as part of a Life Insurance Podcast series in partnership with FMI.

In this 2nd episode we’ll be looking at the notion of protecting your income first.

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Brand Pretorius, CEO of Momentum Short Term Insurance shares some thoughts on the drivers of change in our industry and how we could succeed despite these challenges.

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COVER will, over a number of episodes, be chatting about certain aspects of Life Insurance as part of a Life Insurance Podcast series in partnership with FMI. We will be discussing among other things: * Why Life Insurance is important? * What products are out there? * The role of advisers in making sure the clients get the cover they need.

In this first episode of the series, COVER's Tony van Niekerk chatted with Mapalo Makhu, author, award-winning personal finance coach, speaker and founder of the Woman & Finance platform and Brad Toerien, former CEO of life insurer FMI.

In summary: many South Africans are under-insured, for various reasons. But before we try and educate customers, the industry has a huge job to do to rebuild the knowledge gap between advisers, the industry and the consumer – and an important part of that is for advisers to provide personal, tailored advice to their customers, instead of just selling them products.

In the next episode we’ll be looking at the notion of protecting your income first.

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Kim Rassou, Portfolio Manager, Old Mutual Wealth, Tailored Fund Portfolios explains where international property fits into an investment portfolio.

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Izak Smith, Group CEO, PPS talks to Tony at the release of the groups annual results and shares some insights.

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Lukas van der Merwe, Specialist Sales Executive: Security at T-Systems SA discusses the importance of protecting your data – at rest and in flight.

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Garth Napier, Old Mutual Insure CEO, talks about the move to remote work and how OM Insure is assisting clients and suppliers to weather the COVID-19 storm.

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Sanisha Packirisamy, Economist at Momentum Investments, discusses the twin impacts of COVID-19 and the Moody's downgrade.

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Makosha Maja- Rasethaba (MK) Partner, Head of Strategy at M&C Saatchi Abel shares thoughts on women in the advertising industry and the great strides that have been made.

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Donald Dinnie, Norton Rose Fulbright Director, unpacks the impact of COVID-19 on the insurance industry.

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In Another exciting episode in the insurtech2020 podcast series, Anthony Miller, CEO of Simply, discuss how removing pain points for clients can be a major competitive advantage.

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Amazing insights on Geospatial innovations in financial services from Sean Cullen at Esri. A must listen episode in our Insurtech series. Catch Sean at our Insurtech Conference 2020!

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Donald Dinnie, Director at Norton Rose Fulbright explains why it is important to evaluate the “reasonable precautions” clause at underwriting stage. Catch Donald at our Insurtech Conference 2020!

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Dane Richards, JMR Software CTO explains what the fundamentals are that we have to get right if we want to optimize innovation in insurance. Catch Dane at our Insurtech Conference 2020!

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In episode 3 of our Insurtech2020 series, Tavio Roxo, ceo & co-founder of Owls Software, provides some thoughts on innovation in the SA insurance industry. Catch Tavio at our Insurtech Conference 2020!

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In Episode 2 of COVER's #insurtech series we talk to well known UX and Design Thinking thought leader, Wimpie Van Der Merwe, Founder and CEO of Global Choices. Catch Wimpie at our Insurtech Conference 2020!

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In Episode 1 of COVER's #insurtech series we talk to Simon Colman, Executive Head of Digital Distributions at SHA who currently Drives insurtech at SA's largest specialist underwriting agency. Catch Simon at our Insurtech Conference 2020!

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Mark Allewell, Sensor Networks, discusses the Internet of Things and where innovations in the insurance space are going.

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Mimi Pienaar, Head, Practice Management, Masthead, Discusses client retention as a key business driver for IFA's

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Mimi Pienaar, Head, Practice Management, Masthead, explains the importance of Risk Management and Business Operations.

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Mimi Pienaar, Head, Practice Management, Masthead, talks to Tony about five key drivers that can make or break a practice.

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Mimi Pienaar, Head, Practice Management, Masthead, discusses the biggest challenges facing Independent Financial Advisors.

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PPR Deadline January 2020. Jakes Solomon, JMR Software. takes us through these essential requirements. There is a responsibility on both brokers and insurers to ensure compliance by January 2020.

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Tavio Roxo, Founder of Owls Software chats to us about the latest innovations in platform development.

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Nigel Willmott, well know financial planning professional and Momentum Consult Principal, shares his thoughts on financial education.

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Jonathan Rosenberg, CEO of Renasa shares thoughts on Renasa's great achievements in the FIA Intermediary Experience Awards over the past three years.

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Jacques Du Bruyn from Flume, takes us through some of the challenges in the digital marketing landscape and adds some advice to new guys starting out in this space.

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Malcolm Padayachee, Managing Executive Liability at SHA speaks on the growing risks and cost around professional indemnity.

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David Kop, FPI Director, talks about the role of financial planners in broadening access to professional financial advice.

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Edem Foli, Programme Manager for the national uYilo e-Mobility Programme talks about the State of the Electric Vehicle.

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Lizelle van der Merwe, the CEO of the FIA, takes us through her plans for 2020.

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