Loading...
News Updates:



Opinions - Columnists

 

Opinions / Columnists / 18-03-26 / Kwanele Sibanda

Regulation and Risk: who carries accountability in a Cell Captive?

"Several South African fintech and digital distribution businesses have entered the insurance space via cell captives rather than applying for full insurance licences. By partnering with insurers, they gained speed to market while managing capital…

Opinions / Columnists / 04-03-26 / Kwanele Sibanda

How Cell Captives operate – structure, capital and profit mechanics: Article 2

A significant advantage of cell captives is access to reinsurance markets through the licensed insurer’s existing treaties and relationships. This enables cells to manage catastrophe exposure, cap large losses, and stabilise earnings volatility.…

Opinions / Columnists / 25-02-26 / Kwanele Sibanda

Understanding 'Cell Captives' in SA – a strategic insurance vehicle

South Africa is widely recognised as one of the most developed cell captive markets globally, with established players such as Guardrisk, Centriq Insurance Company and Hollard Insurance Company offering cell facilities to third parties. In this…

Opinions / Columnists / 18-02-26 / Naseema Ephraim

Naseema Ephraim | Bonuses, pay increases and the two pot question

"Bonuses are being paid, salary increases are reflected, and for a brief moment, there's a sense of possibility. But this window is also an opportunity to make decisions that will shape your financial well-being for years to come, especially…

Opinions / Columnists / 26-11-25 / Taurai Craig Museka

Taurai Museka | What Sanlam’s exit in Zimbabwe really mean for Masawara

"SanlamAllianz’s divestment of its 40% stake in Masawara Investments has sparked widespread discussion in insurance circles, particularly in Zimbabwe. But beyond the transactional headline lies a more important story about resilience, regional…

Opinions / Columnists / 26-11-25 / John Anderson

John Anderson | The retirement dragon: why now is a good time to slay it

"Retirement fund members nearing retirement want one thing above all: income that lasts for life. Yet, the path has many obstacles – much like a dragon guarding your hard-earned treasure," says John Anderson, Managing Executive at Sanlam Corporate:…

Opinions / Columnists / 19-11-25 / Jayson Theron

Jayson Theron | Real issue isn’t talent shortage, but leaders unwilling to change hiring processes

"As an executive headhunter with over two decades of experience working across local and global markets, I’ve sat in on hundreds of hiring strategy meetings. I’ve heard the same complaints, seen the same job specs regurgitated year after year,…

Opinions / Columnists / 12-11-25 / Pamela Ramagaga

Pamela Ramagaga | Why localised flooding is SA's hidden road safety crisis

"Since 2020, non-life insurers have processed at least 7,000 weather-related motor claims each year, with total payouts exceeding R1.6 billion between 2020 and 2024. The peak was in 2021, with over 14,000 claims linked to extreme weather. This…

Opinions / Columnists / 28-08-25 / Sean Hanlon

Sean Hanlon | What’s driving higher female representation in finance?

"A quiet revolution is underway for South Africa's financial services sector as more women are entering the sector in growing numbers, and also assuming more prominent roles in financial planning, risk management, underwriting, and executive…

Opinions / Columnists / 06-08-25 / Mthokozisi Ncube,CFP®,CHBP

Mthokozisi Ncube | SA’s retirement landscape and the informal worker gap

"By learning from peers, tailoring solutions to local needs, and rallying public and private stakeholders, South Africa can implement a micro pension scheme that promotes inclusion, resilience, and dignity," writes Mthokozisi Ncube, CFP®, CHBP.

Opinions / Columnists / 16-07-25 / Lindiwe Gumede

Lindiwe Gumede | Breathing life into the business of death

"The topic of death is taboo in many cultures. It is an unspoken subject, even though funerals are an important event for us. It is as much about the living as it is about those who have passed, and I see every day the great sensitivity that…

Opinions / Columnists / 11-06-25 / Dr. Christoph Nieuwoudt

Dr. Christoph Nieuwoudt | The age of Agentic AI

"At FNB we have made significant strides in building a data platform that collects data from close to 400 source systems, containing over 99% of what we deem to be key data, covering over ten million customers, billions of payments and receipts,…

Opinions / Columnists / 04-06-25 / Clement Chinaka

Clement Chinaka | How finance and insurance can power Africa's economy

"Conversations in Abidjan were not mere academic debates and blue-sky contemplations. They were urgent and real at this quarter century, where strategy sessions for Africa must be grounded in terms that are sustainable, relevant, and impactful,"…

Opinions / Columnists / 25-04-25 / Paul Menge

Paul Menge | How to plan for looking after elderly parents

It’s an economic reality in South Africa that many people have to look after both their parents and their children, writes Paul Menge, Actuarial Team Lead at Momentum Savings, in the wake of Family Day.

 12345