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The Business unit underwrites business across the African region. It is autonomous and executes marketing, underwriting, administration and claims settlement of inwards and outwards facultative business. Underwriting decisions are fully decentralised with individual underwriters maintaining full responsibility to negotiate terms with clients and make decisions. Claims efficiency is key for the department as we pay legitimate claims religiously much to the delight of our customers. We also avail tailor made training to suit the needs and requirements of our clients. Underwriting is guided by sound insurance principles and the individual circumstances of each and every cedant. The department fully utilises the optional nature of facultative business to tailor mutual solutions as per the client’s needs. Products on offer include both arrangements on a proportional and non-proportional basis with the main classes given below;

Life & Health

Main Class of Business


Individual Life Business

Whole Life, Endowment, Term assurance, Disability and accident benefit
Placement: Original Terms or Risk Premium Methods

Group Life  Business

Group Life assurance, disability, funeral and other riders  e.g. ill-health

Credit Life

Term assurance, Mortgage Protection and any other riders Placement: Group or Individual basis

Medical Reinsurance

Covered Perils: Hospitalisation, Outpatient, Hospital Cash Back
Placement: Excess of Loss, Stop Loss, Quota Share

Impaired Lives Pool

Specially designed for those clients who would normally not qualify for some life covers and other life risk products


Properties and casualties

Main Class



Growing Crops, Livestock, Agricultural Equipment, Farm Buildings and General Aviation.


Construction, Customs, Credit and Court Bonds


Civil Engineering Risks, Contractors All risks, Machinery Breakdown (including the consequential loss thereof),
Erection All Risks and Plant All Risks.


Commercial, Industrial and Domestic including business interruption


Hull, Cargo and Liabilities.


Commercial, fleets, Private Motor and Motor liabilities


Products, General, Professional Indemnity, Employers, Directors and Officers and Umbrella Liabilities.

Miscellaneous Accident

Personal Accident, Burglary, Fidelity Guarantee, and Transit Cover