Shows
COVER MagazineUnlocking the Potential of Embedded Insurance in Everyday Transactionsoin 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.
2024-11-2510 min
COVER MagazineUnlocking the Power of Data: Insights from Angus Black - Part 2In 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.
2024-11-2513 min
COVER MagazineUnderstanding Data Standards in the Insurance Industry - Part 1In 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.
2024-11-2524 min
COVER MagazineMentoring the Next Generation of Financial PlannersWouter 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.
2024-11-2215 min
COVER MagazineNavigating the Retirement LandscapeIn 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.
2024-11-2219 min
COVER MagazineClient-Centric Financial Planning: Bruce Fleming's PerspectiveBruce 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.
2024-11-2222 min
COVER MagazineIn Pursuit of Truth: Barry O'Mahony's Journey in Financial PlanningBarry 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...2024-11-2115 min
COVER MagazineHow Trust and Transparency Define Financial SuccessLara 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.
2024-11-2113 min
COVER MagazineBuilding a Legacy of IntegrityDebbie 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 impa...2024-11-2116 min
COVER MagazineBuilding a Sustainable Financial PracticePeter 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.
2024-11-2014 min
COVER MagazineBridging Expertise and RelationshipsRyan 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.
2024-11-2016 min
COVER MagazineClient-Centered Financial PlanningJanet 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 plan...2024-11-2017 min
COVER MagazineBuilding Sustainable WealthCraig 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.
2024-11-1915 min
COVER MagazineEthics, Growth, and Client-Centered ServiceWarren 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.
2024-11-1922 min
COVER MagazineBridging the Human and Technical Sides of FinanceIn 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.
2024-11-1918 min
COVER MagazineHow Cyber Risk Is Redefining Business InsuranceSpiros 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.
2024-11-0816 min
COVER MagazineExpanding Access to Affordable HealthcareMaria 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.
2024-11-0824 min
Inner Athlete PodcastEp. 100: Inner Athlete Podcast: Milestone Moments from 100 EpisodesIn this special milestone episode, Trent and Dave recap their key learning lessons over the last 2 years and 100 episodes of the Inner Athlete Podcast. They discuss the origins and conception of the podcast, what the early topics involved, contribution of special guests and key learnings from significant episodes. They conclude with their future plans for the podcast going forward. A special thank you to all the listeners, guests and staff involved in the success of the Inner Athlete PodcastIn this special milestone episode, Trent and Dave recap their key learning lessons over the last 2 years an...2024-10-3136 min
COVER MagazineA Trailblazer in Financial ServicesNonhlanhla (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.
2024-10-3013 min
COVER MagazineThe Rising Threat of Data ExfiltrationThe 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.
2024-10-3008 min
COVER MagazineUnderstanding the Evolving Landscape of HCV and GRT InsuranceCurtis Davey, Divisional Director at Natsure Underwriting Managers discusses navigating the complex world of HCV and GIT.
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...2024-10-3013 min
COVER MagazineEyes on the Ground”: A Return to Traditional Risk InspectionsCindy Butler, Renasa’s Regional Manager for KZN and Coastal, discusses the importance of risk management in the insurance industry, focusing on KZN's challenges over the past five years, including storms, riots, and fires.
Renasa’s approach combines advanced data analysis with an “Eyes on the Ground” initiative, where risks are physically inspected. Cindy emphasises the importance of broker relationships, using both technology and personal engagement to manage risks prudently.
She highlights the need for collaboration between insurers, brokers, and clients, with a focus on making KZN insurable again, despite ongoing service delivery and weather-related challenges. 2024-10-3017 min
COVER MagazineLiving in the MomentNondumiso 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 vi...2024-10-3015 min
COVER MagazineBreaking the Mold: Redefining Insurance with Data and TechnologyIn 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.
2024-10-2125 min
COVER MagazineGrowing brands podcast series - Marketing Session with Elliot SchwartzThere 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 blen...2024-10-2141 min
COVER MagazineEvolving Complexity in Engineering ClaimsFiredart 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, combin...2024-10-2126 min
COVER MagazineNavigating Offshore Investments for South AfricansOffshore 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.
2024-10-1422 min
COVER MagazineBalancing Innovation and Empathy in InsuranceIn 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.
2024-10-0813 min
COVER MagazineRevolutionising Life Insurance with Wellbeing DataIn 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.
2024-09-1210 min
COVER MagazineVincent Gaudel - Navigating Compliance Strategies for Financial ServicesIn 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...2024-09-1215 min
COVER MagazineLeadership in a Rapidly Evolving WorldIn 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.
2024-09-1211 min
COVER MagazineOvercoming Distribution Challenges in Agri-InsuranceTony 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.
2024-09-0513 min
COVER MagazineFrom Youth to Professionals: GIFS's Pathways for SuccessAt 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 econ...2024-09-0510 min
COVER MagazineDriving Digital Transformation in InsuranceAt 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.
2024-09-0510 min
COVER MagazineExpanding Horizons: Santam Specialist Insurance’s Strategy for GrowthTony 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.
2024-09-0510 min
COVER MagazineNavigating Tech Trends in Africa’s Insurance SectorTony 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...2024-09-0515 min
COVER MagazineTransforming Insurance with AI and DataIn 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.
2024-09-0516 min
COVER MagazineNavigating Africa's Engineering Insurance LandscapeAt 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.
2024-09-0506 min
COVER MagazineAdapting to a Changing Risk Landscape in South AfricaAt 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.
2024-09-0505 min
COVER MagazineEvolving Conflict Resolution in the Insurance IndustryAt 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.
2024-09-0509 min
COVER MagazineAdapting to Climate ChangeAt 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.
2024-09-0517 min
COVER MagazineBalancing Innovation and Empathy in InsuranceIn 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.
2024-09-0514 min
COVER MagazineWorkerslife's Role in South Africa's Insurance LandscapeTony 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.
2024-09-0507 min
COVER MagazineUpskilling the Financial SectorTony 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.
2024-09-0506 min
COVER MagazineA holistic approach to customer experience in the glass businessA chat with Damien Goodrum, Business Analyst at My Glass
2024-09-0312 min
COVER MagazineThe Role and Responsibilities of Insurers in Data SharingIn a COVER Magazine interview, Tony discusses data sharing in the insurance industry with Sharon Paterson, CEO of Infiniti 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 emphasises 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 standardisation and cleansing. He shares that Barn...2024-09-0217 min
COVER MagazineEngineering Insurance in Africa: Building from the Ground UpCassim 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.
2024-08-2812 min
COVER MagazineThe Hidden Costs of Fraud: Beyond Financial LossesIn 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.
2024-08-2823 min
COVER MagazineInnovation in Insurance: Cardinal's Integrated ApproachIn this insightful discussion, Tony van Niekerk of COVER, engages in a comprehensive conversation with Graham Harvey, CEO of Cardinal, a leading insurance technology provider. With over 25 years in the industry, Graham shares the journey of Cardinal’s flagship platform, C360, detailing how it stands out in an increasingly competitive market.
Tune in to learn how Cardinal is shaping the future of insurance technology by staying ahead of the curve and continuously adapting to the evolving needs of the industry.
2024-08-2821 min
COVER MagazineHarnessing AI in Insurance: Insights from Sapiens' Alex ZukermanIn 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.
2024-08-0615 min
COVER MagazineRevolutionizing Life Insurance Distribution: A Fresh Approach by Elevate LifeIn 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 li...2024-08-0621 min
The PEMF Podcast34. The 100 Year Old Who Has Used PEMF For The Last Decade - Longevity, Diet & PEMFThis week, 100-year-old Dorothy Smith shares her experience using PEMF. She talks about her diet, longevity, how she uses PEMF, and how it makes her feel. Additionally, she discusses the changes she has seen over the years, the importance of staying active, and her advice for the younger generation on living a long life like she has.
Shop PEMF: NewMed LTD
https://www.newmedltd.co.uk/
The PEMF Podcast Socials & Audio Podcast:
https://linktr.ee/thepemfpodcast2024-07-2423 min
COVER MagazineEngineering Insurance in the SME LandscapeIn 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...2024-07-0918 min
COVER MagazineCelebrating Milestones: What to Expect at the 50th AIE ConferenceIn 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.
2024-07-0416 min
COVER MagazineCurrent Challenges in the Group Benefits SpaceIn 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...2024-07-0216 min
COVER MagazineUnderstanding the Power of Attorney in South AfricaIn 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...2024-06-1915 min
COVER MagazineUnlocking Generational Wealth: Insights from a Chief Wealth AdvisorIn 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...2024-06-1218 min
COVER MagazineDriving Innovation: Agility and Data in the Modern Insurance IndustryIn 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.
2024-06-1214 min
COVER MagazineBalancing Innovation and ComplianceTristan 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.
2024-06-1209 min
COVER MagazineDriving Agility in Insurance: Insights from SSP’s Leslie MuthenLeslie 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.
2024-06-0508 min
COVER MagazineThe Role of Technology Providers in Driving InnovationIn 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.
2024-06-0528 min
COVER MagazineChallenges and Opportunities in South Africa's Economic Growth OutlookIn 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...2024-05-0916 min
COVER MagazineBreaking Glass Ceilings: Entrepreneurial Journeys with My GlassIn 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.
2024-05-0920 min
COVER MagazineThe Unsung Hero: Understanding the Vital Role of Windscreens in Vehicle Safety and InsuranceIn 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.
2024-05-0911 min
COVER MagazineCogence: Redefining Financial Advisory for Advisor EmpowermentIn 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...2024-05-0914 min
COVER MagazineInnovations in Health Tech: UNU's Mission to Bridge Healthcare GapsIn 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.
2024-05-0917 min
COVER MagazineNavigating the Intersection: Human Touch in a Digital EraMarcia 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.
2024-05-0911 min
COVER MagazineAI in Journalism: A Deep Dive into News GPTIn 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.
2024-04-1725 min
COVER MagazineBeyond Paperwork_ Enhancing Broker Efficiency Through Digital DocumentationChristelle 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.
2024-04-1717 min
COVER MagazineA Journey in Outsourced Asset ManagementKenny 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.
2024-04-1713 min
COVER MagazineUnderstanding Traditional Retirement ProductsThe 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.
2024-04-1116 min
COVER MagazineNavigating Complexity with SimplicityDiscover 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.
2024-04-1112 min
Ngọc Dung Radio'Cha đẻ' của karaoke qua đời ở tuổi 100'Cha đẻ' của karaoke qua đời ở tuổi 100
#ngocdungradio2024-03-1610 min
Korda - The Thinking Tackle Podcast#100 - Danny Fairbrass, Tom Dove, Damian Clarke & Neil SpoonerThe Thinking Tackle Podcast celebrates its 100th episode with a special line-up of guests, Danny Fairbrass, Tom Dove, Damian Clarke & Neil Spooner! In this episode of the podcast, we answered YOUR questions! The group also shared a variety of amusing angling anecdotes, while they also looked back on some personal favourites and old clips from the show's first 100 episodes.2024-03-111h 55
Manx NewscastSouthern 100 marshal fundraising for medical privacy screensEfforts are underway to raise money to buy privacy screens that can be used at motorsport events to give people who crash more dignity.
A fundraising campaign has been started by a Southern 100 marshal who witnessed a fatal crash at the event last week.
Racer Alan Connor, from Ireland, and marshal Liam Clarke – who was from Wigan - were killed in the incident on the Castletown Bypass.
Another rider and spectator were also injured - they're said to be recovering well in UK hospitals.
Debbie Harris told Manx Radio what happened, on...2023-07-2106 min
ケイシャのしゃべり場#100 【100回記念アンケートで見えてきた⁉︎】KOO-KIの雑談がリスナーに楽しまれているワケ【内容】100回記念アンケート結果発表！／エピソードランキングを紹介／江口カン監督出演回は全てTOP10入り！／拠点が違うスタッフへ中途社員の紹介に役立った？／どんなトークテーマが面白かった？／社員の家族が仕事内容を理解するのに役立つ？／学生にとって自分に合った企業を判断するリトマス試験紙になる／今後どんなトークテーマが聴きたい？／音声媒体は｢思想やこだわり｣を伝えるのに向いている／雑談話しても大丈夫みたいよ／聴いてみたい企画・アイディア沢山⤴️／改善点・アドバイスもいただきました！／Podcast媒体のあり方について／ケイシャは社外に対してポジティブなPRになれてる？／ケイシャは社内外のコミュニケーションに役立ってる？
【出演】
山内 香里／KOO-KI ディレクター
泥谷 清美／KOO-KI 広報
原山 大輝／KOO-KI アシスタントディレクター
▼面白かったエピソードTOP10▼
１位：#42 仕事は全部つながっていくもの。だからひとつも手が抜けない。／BIGBOSS＆D.江口 カン
２位：#43 映像に対して真摯な気持ちでいたい。映像に対する恩返し。／BIGBOSS＆D.江口 カン
２位：#44 ｢めんどくさい｣に本当の｢オモシロイ｣が隠されてる／BIGBOSS＆D.江口 カン
２位：#73【KOO-KI 25周年】クリエイター集団が描く、会社の未来とは／D.木綿 達史、D.白川 東一、P.窪田 善仁
２位：#93 皆さまに支えられて…江口カン監督作品SP２／P.河原 幸治、PM.本田 真梨恵
２位：#94 ｢めんたいぴりり｣はパンク⁉︎江口カン監督作品SP３／D.江口カン、P.河原 幸治、PM.本田 真梨恵
２位：#95 ｢サンクチュアリ｣はリアルドキュメンタリーだった⁉︎江口カン監督作品SP4／D.江口カン、P.河原 幸治、PM.本田 真梨恵
８位：#19 ディレクターが語る良い職場環境とは？オフィスで一緒に働く意味。／D.白川 東一＆D.上原 桂
８位：#92 江口カン監督作品 公開ラッシュSP／P.河原 幸治、PM.本田 真梨恵
10位：#5 映像プロデューサーの仕事とは？／P.嶋村 雅己＆P.河原 幸治
10位：#6 プロデューサーが語る現場エピソード／P.嶋村 雅己＆P.河原 幸治
10位：#18 学生時代から刺激し合い高め合う二人／D.白川 東一＆D.上原 桂
10位：#20 仕事と家庭のバランス問題〜作品への影響について／D.白川 東一＆D.上原 桂
10位：#31 オモシロイは｢カオス｣から生まれる！？／代表＆D.木綿達史
10位：#45 辛さの単位統一とは⁉︎江口さんの底しれぬ好奇心！／BIGBOSS＆D.江口 カン
10位：#58 CG歴14年のニューカマー登場！／CG.大窪 真悟
10位：#72【KOO-KI 25周年】スケシャル企画第3弾は東京・福岡・大阪のBOSSが大集合！／D.木綿 達史、D.白川 東一、P.窪田 善仁
10位：2023-07-1437 min
bEDU MindMap 玩美心智圖EP 100 如何用心智圖做好會議紀錄?心智圖除了大家熟知的資料整理功能外，還能拿來做什麼用? 這一集是玩美心智圖頻道開播第100集，想來和你們聊如何用心智圖做好會議紀錄? 歡迎你一起來，藉由輕鬆的方式重新認識心智圖，玩樂心智圖，以及畫出你心中最美的心智圖。 新的AYOA動態心智圖節目單已經建立，歡迎你回頭複習S1各單集內容。 #AYOA動態心智圖節目單 (請以電腦版網頁開啟或下載APP使用) Podcast S1 (EP 1~EP 54) ；Podcast S2 (EP 55~ ) [Podcast參考] EP 19~ 25 筆記術系列 EP 33~ 34 心智圖的使用情境 EP 55~ 67 六頂思考帽 系列 [臉書貼文參考] -超級老人的秘訣 https://www.facebook.com/bedutaiwan/posts/709410601195624 -心智圖筆記術 https://www.facebook.com/bedutaiwan/posts/690009376469080 -由粗到細 https://www.facebook.com/bedutaiwan/posts/679534754183209 -思考的角色扮演 https://www.facebook.com/bedutaiwan/posts/674391064697578 [玩.美.資.源.] #官方網站 #臉書粉專 #LINE社群 #約課聯繫 service@bedutw.com # AYOA加好友 coachhc@gmail.com [關鍵字] #心智圖法 #手繪心智圖 #心智圖軟體 #會議記錄 #bEDU玩美心智圖 小額贊助支持本節目： https://open.firstory.me/user/ckpm4dylja5g60852zhoqanbk 留言告訴我你對這一集的想法： https://open.firstory.me/user/ckpm4dylja5g60852zhoqanbk/comments Powered by Firstory Hosting2023-06-0345 min
Museum 100Museum 100 22 November 2022The Museum 100 podcast - a century of our national collections highlighting life and culture on the Island.
In this episode find out how it all began . . . 2022-11-2202 min
The Essential Property PodcastEP. 29 - 100% Occupancy in Crewe & Why You Should Be Investing with Paul & AmandaIn Episode 29, Paul Samuda & Amanda Woodward talk about the very busy Crewe HMO market and why you should be in investing there.
Paul and Amanda talk about the impact of Article 4 in Crewe which has reduced supply and therefore increased rents with potential renters having less choice in the market.
Occupancy levels at Essential Management are between 95-100% and Crewe remains a strong location for both UK and international investors.
Download the episode today!
Essential Property Options
Property Investment & Development
www.essentialpropertyoptions.co.uk ...2022-10-3128 min